milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-01-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I had submitted my request to renew my XXXX plan back in XXXX ( XXXX XXXX ish ) of this year. I had figured that my XXXX would be re-certified and everything would be okay. I received a phone call on XXXX XXXX when my payment is due on XXXX XXXX to alert me that now I owe {$1500.00} for XXXX and XXXX upcoming payment. My XXXX had been denied and they apparently sent me an email notification on XXXX XXXX. I checked my online account with them after the phone call and did see the message but no reason stating why it was denied just that " my '' request to deny the lower payments had been processed. Lol give me a break ... 

I had submitted my proof of income with my renewal ( a pay stub with frequency listed on it ) but apparently because I checked, No My Income Did Not Change they absolutely ABSOLUTELY needed a tax return from XXXX ... seriously? It 's almost XXXX Tax Season my Paystub is n't enough for you to use in the calculation? So it was denied because I sent in a Pay Stub instead of a Tax Return and they are just now calling on XXXX XXXX to tell my I am past due and in the hole of {$1500.00}. 

The absolute worst part of the call .... Having to agree to an Administrative Forbearance, have my interest capitalized and be penalized after literally 3+ years of following procedures and not having any issues. They could 've even offer me some type of hold for me to get the paper work in that did n't capitalize interest. So ... now I am RE Submitting my renewal with the XXXX XXXX tax return from XXXX. 

Student Loans are literally a death trap for recent graduates. Who can afford {$730.00} a month and still live comfortably? Seriously ... this whole thing sucks. I am about ready to stop paying all together and just let them go into default, drag out my forbearance time and then use up my deferment time. That way when I finally run out of holds I 'll be in my XXXX and wo n't give a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX I applied for a Kays credit card. The manager & regular sales associate told me that it would only be a soft inquiry on my credit, after I expressed my concern of the inquiry. I had not built any credit at that point, so I figured why not build my credit with a small amount on a Kays card. I talked to the manager at Kays & she told me to either go online or call the number on the back of my card. I emailed Sterling Jewelers on Saturday, XX/XX/XXXX to make them aware of the situation. Today, XX/XX/XXXX I received an email informing me that I needed to contact the CFPB, since they are unable to modify information being reported to the credit bureau.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/24/2016 about Consumer Loan (Vehicle loan) with BAM Financial, LLC (IN).
Issue: Taking out the loan or lease

Complaint: XX/XX/XXXX, I brought a vehicle. I have to make payments of {$460.00} a month. However when I brought the car, the dealer BAAM Finance Company, told me that I would be paying the amount of {$460.00} for a minimum of 2 years and then I would be able to trade. After the 2 year mark, I was trying to trade my car and learned that I would be paying the amount of {$460.00} instead of two, but five years totaling the car to {$26000.00}. The car is a red Toyota Corolla 2008 & when I purchased it, it had over XXXX miles on it and is 8 years old. I feel like this is a fraudulent sale. I am paying 10x what the car is worth and is unable to trade it. When I purchased the vehicle, the dealer handed me a pink sheet of paper stating that I would be paying a total of {$14000.00}. 
BAAM Finance number is XXXX. BAAM Finance is located XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX. I feel like I am being grossly overcharged for a used 2008 vehicle.

Company response to consumer: Untimely response
Consumer complaint received 04-03-2015 about Credit card () with JPMORGAN CHASE & CO. (OH).
Issue: Billing disputes

Complaint: A dispute was filed on my Chase Visa card in XXXX XX/XX/XXXX and I was notified in writing from the Chase Bank, XXXX XXXX, Ohio branch on XXXX XXXX XX/XX/XXXX that the dispute was complete, NO credits could be reversed, and I could return the item purchased to the company that the dispute was filed against, XXXX XXXX XXXX XXXX. The merchandise was returned to XXXX XXXX, XXXX on XXXX XXXX, XX/XX/XXXX via XXXX and a signature was required to receive the product - thus guaranteeing that the company received the returned merchandise. Thus, I no longer have the original product that the dispute was filed against. Then on XXXX XXXX XX/XX/XXXX, I received a letter that stated Chase Card Services needed additional information regarding the dispute and then on XXXX XXXX XX/XX/XXXX I received a call from Chase Card Services that they were reapplying the charges to my Visa card. These notifications were a direct breech of the original statement and finalization of the dispute made by Chase on XXXX XXXX, XX/XX/XXXX. Currently, my Chase Freedom card has been re-billed with the outstanding balance of {$1300.00} from the dispute that was allegedly completed on XXXX XXXX, XX/XX/XXXX, even though I currently no longer have the product in my possession as it has been received and signed for by XXXX XXXX XXXX XXXX. I have contacted Chase Card Services regarding this matter as well as my local Chase bank and staff, and all parties have mixed stories, have not helped me resolve this issue, and have recommended that I take action to further the alleged completed dispute as a " re-dispute '' even though I was notified on XXXX XXXXXX/XX/XXXX by Chase that the dispute was made FINAL and gave me instructions to return the disputed product.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: There is a tax lien that was paid and canceled with the state of Georgia in 2013. I have the letters from XXXX County Georgia Department of Revenue stating that the lien was canceled. I contacted the credit reporting companies and only one would remove the canceled lien. This lien is keeping my wife and I form buying a house and I have tried everything to get us here.

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 10-02-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: I have a problem with Wells Fargo. Upon trying to transfer funds in excess of {$5000.00} to another bank via their bank-bank transfer ( ACH transfer ), I discovered that they do not permit more than {$5000.00} in XXXX day nor more than {$6000.00} in 30 days. I have looked thoroughly through all their customer account agreements and have found no such restriction. It is my money and if I wrote a paper check against the account they would have no choice but to honor it. So why the ACH limit? Can they do that? 

This is just XXXX more example of why the arbitration clause should not be permitted in consumer agreements. 

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 07/22/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (OH).
Issue: Managing the loan or lease

Complaint: I financed a car from Santander XXXX : XX/XX/XXXX Chevy Cobalt in XX/XX/XXXX for $ XXXX 19 %. I currently owe $ XXXX two years later. XXXX late payment. The car is worth {$4000.00} can not trade in too much negative equity. I have request an adjustment in loan and they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Payday loan () with Enova International, Inc. (AL).
Issue: Charged bank acct wrong day or amt

Complaint: I am XXXX and have recently gotten into a financial bind. I have been using payday loans to the point to where it had to stop. I am going to use " Legal Advocates for XXXX and People with XXXX ''. They told me to stop payment on the payday loans and as soon as I could give them the 1st of 4 payments of {$62.00} totaling {$250.00} they would get started working with me. I went to my bank XXXX and had them to stop payment to CASHNETUSA, XXXX and XXXX. The money was still taken out of my account yesterday. I receive XXXX benefits of {$XXXX} every XXXX Wednesday of the month. XXXX sent an email stating that the amount they would take out was {$350.00} but actually took out {$330.00}. CASHNETUSA sent an email saying they were taking out {$740.00} for a line of credit of {$2000.00}. I told them I could not afford that so they changed it to {$240.00}. Well guess what!! They took out the {$740.00}. That left me with {$150.00} to last until I get my next XXXX check on XX/XX/2017. The bank refunded the charges for stopping payment but they said the reason the money came out any way was because the amounts were different than what the loan company told me. What is the world am I going to do now. I have bills to pay and ca n't pay them. Not being able to buy XXXX either. My Mom is XXXX and I ca n't even give her a gift. I called XXXX and explained the problem and they looked it up and told me to tell my bank to reject the money from being taken out and XXXX said they ca n't do that.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: my identity was stolen and there are several fraudulent accounts on my credit reports.

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 11/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (IA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: My XXXX year old son has been receiving credit card offers from Capital One for the past four months. I called in XX/XX/XXXXto report it when it first happened and was told that his information would be deleted from their database. 

I then received, yet another one in XX/XX/XXXX. I commented about it on their XXXX page that my son kept being solicited, despite them assuring me that they would be removing his personal information from their database. 

Then it happened, yet again, at the end of XX/XX/XXXX. I contacted them, yet again, on social media. They wanted a photo of it and I sent it, again. They told me, again, that the information would be removed. 

Today, XX/XX/XXXX, he received another credit card offer. I made another negative comment about it on social media and received another stupid response via XXXX asking if it was for a car loan?! 

EVERY SINGLE ONE OF THE CUSTOMER SERVICE REPS STATED THAT THEY " REMOVED HIS INFORMATION '' BUT ( CLEARLY ) THEY WERE ALL WAS A LYING. 

I honestly do n't even know how they got my minor child 's personal information but I want it deleted, NOW. What else am I supposed to do to have them stop sending him credit card solicitations? The kid is XXXX!! 

How did they even get his information??!! And why ca n't they remove it since he is a minor and I am requesting it over and over and over and over again?

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Identity theft I am a victim of stolen identity and fraudulent accounts open in my name XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX dealer svcs XXXX Stolen amount 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 03-11-2017 about Debt collection (I do not know) with Security Credit Services, LLC (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Security credit services is reporting to all XXXX credit bureaus XXXX erroneous accounts that have not been verified

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: my name IS XXXX XXXX ( XXXX ) XXXX born XX/XX/XXXX MY SOCIAL SECURITY NUMBER XXXX I HAVE ONLY LIVE IN XXXX XXXX FLORIDA SINCE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA THEN IN XX/XX/XXXX XXXX TO ( XXXX XXXX XXXX XXXX WHICH WAS CHANGOD TO XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX I HAVE ( NEVER ) LIVED IN XXXX FLORIDA MY NAME XXXX XXXX ( XXXX ) XXXX -- -- -- NOT -- -- - ( XXXX ) see my XXXX XXXX XXXXXXXX XXXX RECORDS BIRTH IN XXXX. SOUT CAROLINA THANK YOU XXXX XXXX XXXX ON XX/XX/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 08-11-2016 about Debt collection (Medical) with Professional Medical Management, Inc. (NJ).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: XXXX Hospital sent my account to Financial Recoveries, a collections agency after I had been paying consistently on my account for 2-3 years, never missed a payment, and was never late. After many attempts to straighten this out, especially when they started reporting erroneous information to the credit bureaus, they are still reporting ( Financial Recoveries ) erroneous information. I sent documentation and proof of my payments to XXXX, XXXX, and XXXX. XXXX XXXX and XXXX took care of the issue, but XXXX is still letting this company report this information and it is wreaking havoc with my excellent credit history. I told Financial Recoveries that the information they are sending to XXXX is falsely accusing me of being " late '', they argued that that is not what it says, I told them I was looking at my credit report and that is indeed what is being reported, and still nothing is being done about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NV).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: My rewards account, consisting of over XXXX points has been locked by American Express with no communication since XX/XX/XXXX. American Express Membership Rewards Customer Service XXXX XXXX stated on XX/XX/XXXX that this lock is indefinite with no resolution time frame. He submitted a ticket to get resolution, but I was told it could take an additional 4 weeks ( by one of their supervisors ) to respond to the ticket.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/28/2016 about Credit card () with SYNCHRONY FINANCIAL (CT).
Issue: Credit card protection / Debt protection

Complaint: Synchrony Bank has been charging me a " card security fee '' for payment protection services on my Lowes Card. They have apparently been charging me this fee for months and it totals hundreds of dollars. I know better than to sign up for payment protection - it 's almost always useless. I did not and do not consent to this. I spoke to a man on the phone who told me they can look into refunding me and that it might take one to two billing cycles. This is not acceptable. ALL CHARGES placed on my account for payment protection should be removed immediately.

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 monetary relief
Consumer complaint received 01/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Prior to enrolling into XXXX my biggest request was scholarships. I was advise since I was from the XXXX XXXX vs being a resident of the state of Florida I do not qualified. I learned from another XXXX XXXX XXXX citizen this simply is n't true as they received assistance through scholarships. Being from the XXXX makes me a United States Citizen. I went to several XXXX reps who advised there is nothing they can do, and being a minority I owe what I owe. The school I enrolled and graduated from is XXXX in XXXX XXXX it has been closed down. Those employees no longer work for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I would like this charge removed from my credit reports because it has been changed over from XXXX XXXX to XXXX to XXXX XXXX XXXX. This is hurting my credit report as I am trying to purchase a home. 

I am currently paying the same account with XXXX XXXX XXXX. I would like to have XXXX XXXX / XXXX removed from my credit reports from XXXX, XXXX, TransUnion and XXXX. 
I would like to have XXXX removed from all reporting agencies : XXXX, XXXX, Transunion and XXXX. 
I would like to have XXXX removed from all reporting agencies ; XXXX, XXXX, Transunion and 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 11/21/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This morning, XXXX XXXX XXXX, I received a notice that my credit was lowered due to an outstanding debt. That was strange because I have been diligently paying all bills. 

On XXXX, I see this erroneous debt of {$200.00} being collected by " DIVERSIFIED CONSULTANT XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX '' dating on to XXXX XXXX, XXXX on behalf of XXXX XXXX 

However, all of my bills for XXXX have been paid on time and in full. I contacted XXXX XXXX XXXX to make sure I have no late payment. I have 0 $ balance, my account is in good standing. I checked my XXXX billing statement and I have a payment confirmation for XXXX See attached document. Needless to say I was never contacted by " DIVERSIFIED CONSULTANT '' by phone or mail regarding this debt. 

I am currently applying for a US Gov't Clearance. This report will negatively effect my Clearance and employment status. I will pursue criminal charges against " DIVERSIFIED CONSULTANT '' to the fullest extent of the law. 

There are many matching complaints online from others victimized by this company. 

Thank you for removing this false claim immediately. 
Best regards, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Since it has gone well past the 30 day time frame and the company can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to, " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (GA).
Issue: Struggling to pay mortgage

Complaint: my home was last transferred to Bayview. the last company was XXXX, and was in the process a loan mod. i sent them my documents and they still transferred my loan. i lost my job, business, and had nervous break down. i am now trying to work on a loan mod to save my home. i am better and have means of paying an affordable payment with the rightful for party

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Pursuant to FCRA Section 605B I have made strong efforts throughout the year of 2017 to notify XXXX  and Experian of my identity theft and the accounts that are fraudulent. I have requested that these accounts be removed pursuant FCRA section 605B. I sent a copy of my identity theft report via certified mail and it is being handled as a traditional dispute letter as reflected on my credit reports. I have also disputed items via their websites and dispute letters and have not received communication honoring the law. 

The fraudulent accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance.

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