milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/31/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My student loan is over 25 years old. I defaulted in XXXX and resumed payments in XXXX. I have made over {$37000.00} in payments. My contention is that I no longer owe the Federal government any money because the amount they paid to the loan originator, as the guarantor, was about {$19000.00} - I believe I have paid what I owed plus a lot more. The government does not agree with me. In XXXX I was told that what I owed was {$24000.00} ; they did not include a breakdown of the amount, i.e. what was the actual loan amount, capitalized interest, and, what I have subsequently learned, was additional fees and costs that they could collect. I also had a wage garnishment in XXXX so I decided to start paying. I did have deferments which capitalized more interest and now my debt to them is over {$28000.00}. Also, when I started repaying the loan in XXXX, the government could have just charged me the 3 % interest rate that was in effect - instead, they went for the full 8.25 % that was the top rate. I guess they felt they were doing me a favor b/c my original rate was 9 %. WHEN does this end? I have contacted a student loan ombudsman and was told that I should just continue with the PSLF program I am now in. I want to ask the servicer to verify the loan and that I owe anymore money to them. The XXXX agreement also ddi NOT include the wage garnishment so I have no idea if that was actually credited to the payments I made in the XXXX. I recognize I did not act responsibly when the loan was originally due but now feel as though I am being punished by being made to pay way more than what the government paid as guarantor for the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (AL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been trying to cancel my option home warranty of {$39.00} for several months. According to the home warranty company, the product was finally cancelled on XXXX/XXXX/2015. However, Nationstar mortgage is still billing me for this product, and they can not remove the charge. I have been given the typical run-around, e.g. hangups, endless transfers, no supervisor available. I was told today by Nationstar to just subtract the amount from my payment and it will go away. Since I highly doubt that is good advice, I do n't know what to do to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: Dear, My name is XXXX XXXX XXXX, I had XXXX USD master credit card transaction with the XXXX on XXXX/XXXX/2016, which is an unlicensed binary option brokers. 
XXXX XXXX who is from XXXX contacted to trade for XXXX. I lost everything. 
So, I had opened the dispute for the charge back from the XXXXCredit XXXX ( Capitalone ) against the XXXX. 
The reason is that merchant is failed to performance service described according to master card charge back code XXXX. 
I provided all of XXXX Chat Script and the script are showed how I lost my money. But XXXX said the chat script can not be used the evidence, and they closed my dispute. 
I would like to reopen the dispute and get the money back from the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Debt collection (Other debt) with AFNI INC. (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Not reporting correct date with credit grantor should be showing XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Consumer Loan (Vehicle loan) with TIDEWATER FINANCE COMPANY, INC. (TN).
Issue: Problems when you are unable to pay

Complaint: I was XXXX payments behind on my car payments, I called the office of XXXX XXXX to try and working something out. I told them that I can make XXXX payments in XXXX, if they can help me with the XXXX, then in XXXX I can set up a monthly draft and have payments come out that way. I was told that they will would do the assistance once I made those payments. Once I did they told that they would not be helping with the third payment. In XXXX the transmission was going out on my car, I emailed XXXX told them that I could n't make the payments and save for a new transmission. They told me that if Imake the payment that they have XXXX more option that will help me with that time. Once again I made the payment and they are going back on there word and what they told me

Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There are XXXX judgments on my credit report that do not belong to me and I have disputed them directly with the credit bureaus and the court house and no one has seemed to provide me with 100 % legal validation that they are mine and I owe the money. There are no original creditors accounts on my credit report for these judgments and they are causing grave injury to my credit report and score. The judgments are as follows : XXXX County Special - XXXX XXXX County Special - XXXX XXXX County Special - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-06-2016 about Consumer Loan (Vehicle loan) with TMX Finance LLC (FL).
Issue: Taking out the loan or lease

Complaint: I took out a title loan with Titlemax. they told me there interest was 8 %. I all I wanted was {$2500.00}. By the time they got through with me I walkout with {$5100.00}. I gave them back {$2400.00}. My math and there math do n't add up. I will be paying back right at {$10.00} only pennies goes to the principal. I all attach a summery of my payment. This is raping me. I am a XXXX income family. I can not continue to just give money to this company. I have paid them a little over {$7000.00}. It does not have a end. They want me to drive 2 hour to make a payment at times and almost refuse to take a payment over the phone. In those situation they make me make a double payment. That does not seem right. Can you help me. I am XXXX years old and work for a living but I also have medical issue that need to be taken care of. It is almost impossible to do with this issue hang over me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX 2010 Due to my closing my Trucking business due to economy not producing enough income to cover overhead. I could no longer afford my house payments. I went from XXXX a month to XXXX K in one month time frame. Thus the house was unaffordable. we called XXXX and explained it. XXXX took it over and there was very little communication with us via mail and some harassment over the phone. We submitted paper works with XXXX several times because they would n't be able to find the paper work that was faxed and mailed to them. We talked to several people in the collections department and never went to loss mitigation with them. They did file Notice of Default with the XXXX XXXX courts in 2010 and even had a sale date that we never notified of. But the continual excuses and dragging the issue around when we asked multiple times in writing for a modification did nothing but leave a huge amount because the original loan was never paid and interest and late charges were mounting. We requested a reduction in principal which many homeowners in XXXX XXXX XXXX received but they finally made a loan mod agreement and never mention that there would be a new servicer for the loan and not XXXX. The servicing company Select Portfolio Services. This company has a track record that goes back to before they were SPS. They have been involved in many foreclosures and illegal property sales at pennies on the dollar without notification. No Original note ever being presented. Why when other people in XXXX XXXX county received principal reductions di my mortgages increase to where I have a XXXX balloon payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Balance of  XXXX  public record was included in bankruptcy and should have never been reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (IL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have a carecredit card for my XXXX XXXX at dentist. I was told to open up this account to help me pay my bill for 12 months with no interest. I had the XXXX the end of XX/XX/XXXX. I made my first payment to them XX/XX/XXXX when the payment was not even due yet. I did not know when my next payment was due. Also since I had no interest until 12 months I figured as long as I pay on it each month. I logged into my account today XX/XX/XXXX it said I had a late charge of {$27.00} and my bill was due XX/XX/XXXX. I called them because I paid the payment of {$48.00} as indicated on the statement. Then I called them because I did not want this reported on my credit report for being one day late and I did not know my bill was due. He said according to the law they have to report it even though its a day late. My other major credit cards charge you a late fee and only report it after you have reached the grace period. I think this is ripping people off because I only got it for a medical emergency of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am very disappointed since I have a good credit report. I am upset and stressed because of this and the person on the phone did not seem to care or assist in possibly considering what I was saying.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I opened an credit card with XXXX XXXX XXXX, and purchase furniture with the credit card. I have always paid on the account by due date which occurs the third week of each month. I recently began paying on the account the first of second week of the month because my pay cycle changed from biweekly to monthly. Approximately on the second month after starting my new payment preference, I began receiving alert email messages from company. I called the company to make an inquiry about the email messages. I was informed that my monthly payments were overdue and my name was reported to XXXX XXXX XXXX Collections Department. I expressed my disagreement with what the financial company was reporting, and had the company to view my account for payment history. The company pulled down my payment history and reviewed the payment history with me via telephone. What they had documented reflected that I had made the payments before or on the due date. When I asked why was I receiving alert emails messages, I was told they penalize customers for paying on their accounts if the date of payment exceeds 7 days prior to the due date. I requested my call be transferred to the company manager or supervisor in an attempt to have the resolve the matter. I spoke with XXXX XXXX, manager for Synchrony Collections Department. XXXX XXXX informed me that Synchrony Financial only accept payments 7 days prior to due date and that Synchrony had charged me late fees. XXXX XXXX also informed me that I would be charged late fees each month that I do not comply with their policy. I asked XXXX XXXX to direct me to the location in the written and signed contractual agreement where this policy is stated. XXXX XXXX agreed that this policy is not stated in the contract but it is Synchrony 's policy. I requested for all late fees be removed from my account and was informed that late fees would remain on my account. Since my conversation with XXXX XXXX XXXX, I have paid one of my accounts in full and closed that account out. I have two additional XXXX XXXX accounts remaining with Synchrony Financial. After this incident, I have reviewed all other accounts and discovered that account balances does not appear to reflect correct closing balances. I did not select XXXX XXXX XXXX as my preferred lending company. This company was selected by vendors. I do not liky Synchrony 's business practice and strongly believe this company need to be investigated for fraudulent practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have attempted numerous times to dispute   XXXX   items off of my credit report.   XXXX   XXXX   XXXX   on my TransUnion report and  XXXX  on my   XXXX   report. I have attempted numerous times to dispute these   XXXX   items  XXXX  with the credit bureaus and directly with the creditors. I have spoken with  XXXX  companies numerous times and all they do is send me generic letters, more like an invoice with the amount stating that it is my debt. They refuse to send me proof and have claimed that I am outside of my time period allowed to request proof. I never have been contacted by either company. Reviewing my reports I noticed them and reached out to inquire what this was. All they do is direct me to an insurance provider I do not have. The insurance provider claims to have no record of me. The hospitals claim to have no balances owed by me. My last conversation with both companies wa s  XX/XX/17  a nd I informed them of all of this. I informed them that I have the legal right to request proof or removal. They said I do not have that right. They said they do not have to provide proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Consumer Loan (Vehicle loan) with United PanAm Financial Corp. (NY).
Issue: Taking out the loan or lease

Complaint: i went to XXXX XXXX dealership and purchased a used car. i was approved by united auto credit co. immediately i had a problem with the brakes and i went back to the dealership and they corrected this problem shortly there after with in XXXX days of purchase the car engine blew. i immediately called the finance company and spoke with someone from the legal dept. that sent me over documents to sign off and back out of the loan completely due in part to not having received the title. subsequently i recently pulled my credit report and i see that its showing on there as delinquent and charged off

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Original Creditor received my dispute and removed disputed account from my consumer report. Upon disputing other items XXXX XXXX XXXX opened a collection account naming XXXX as the Original Credit on my XXXX report less than 12 months ago. 

Upon disputing the derogatory account XXXX XXXX opened using my personal information without notice, consent and/or authorization. I disputed the item, my credit file was updated back dated to XX/XX/2015. I do not owe XXXX XXXX {$340.00}. 

Upon disputing this same item with CFPB prior to this complaint ; XXXX XXXX XXXX began reporting that same account on my Equifax report. XXXX XXXX XXXX adversely affected my credit score, credit file, and does not demonstrate fair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I submitted a request to Transunion Credit bureau on XXXX/XXXX/XXXX to remove an item that was far too old to still be reported on my credit report. This was the second request for the same issue. I adhered to the payment contract for XXXX XXXX and the account had a zero balance. This information has been reported on my account for over XXXX years. The most recent investigation from Transunion has said that according to their investigation the account is active and current and will continue to remain on my credit report. This is not legal and does not adhere the fair debt collection act. I want this credit bureau to stop breaking the law and remove this from my credit report. This has been reported shortly before XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Credit card () with DISCOVER BANK (CA).
Issue: Billing disputes

Complaint: I opened a dispute with Discovery Credit Card against the XXXX this Merchant charged me {$270.00} when They towed My car and they did it improperly damaging the rear differential on my XXXX, Discovery Credit Card Dispute department denied to assist me to clear up this charge saying the Charge is valid, Their department when I spoke today with a representative with the name of XXXX said to me the charge is valid if I want to dispute it I have to do it directly with the merchant, I told him I 'd dispute with the merchant If I would had paid directly with my personal Check or Cash money, This is not the case I believe using Discovery Credit Card I have some rights under FAIR CREDIT BILLING ACT. 
Using the same card agreement Statement I have with Discovery They do n't want to honor it as it says : 3. Special Rule for Credit Card Purchases If you have a problem with the quality of goods or services that you purchased with a credit card, and you tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the goods or services. There are two limitations on this right : ( a ) you must have made the purchase in your home state or, if not within your home state, within XXXX miles of your current mailing address ; and ( b ) the purchase price must have been more than {$50.00}. 
I believe I meet the criteria above the same one I found : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have submitted complaints however I have n't gotten a response. I checked my Credit and found many many errors. It 's scary how these creditors can report debt that does n't actually belong to you and then go further to demand you to pay a debt you do n't owe.   XXXX   is reporting   XXXX   on my Credit Report and even sent me an email. I have no knowledge of either of these loans. When I inquired I found out these loans are Student loans. I in fact worked very hard to put myself through college so I would not have student loans and here I am still owing debt that I did not obtain. There Also is A   XXXX   XXXX  . This is not my debt either. I have been harassed by these individuals attempting to take money from me that I do n't owe. I have no knowledge of these accounts and I pray you can help me to resolve this problem. There is one account on my report that should not be reporting because it is too old. The   XXXX   XXXX   XXXX   XXXX   was closed in 2008. Please Remove this from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have desperately tried to get help with this account but this company they are continuing to report information on my credit wrong XXXX XXXX Account Number XXXX this item is reporting incomplete the account status is missing and inaccurate the balance is higher than the high balance, XXXX XXXX XXXX XXXX XXXX Account Number XXXX this account is reporting inaccurate the balance is higher than the high balance, XXXX XXXX XXXX Account Number XXXX this item is reporting incomplete the account status is missing and inaccurate the balance is higher than the high balance,

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXXI ordered my free Transunion credit report from XXXX. I checked my credit report again on XXXX/XXXX/XXXX and I noticed a hard credit pull from Transunion made on XX/XX/XXXX. I ordered another Transunion report to be sure that a hard inquiry was made by Transunion. I contacted Transunion via phone and 2 representatives stated that there was no " hard '' pull made by Transunion and that the inquiry was a " review '' of my account. They also stated that their system is does n't show a hard inquiry pull made by Transunion. I have uploaded my full Transunion credit report that 's shows this hard inquiry. To expedite time I uploaded the inquiry page first.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation