milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/22/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am so frustrated with this student loans system and all the red tape. Last year I switched my student loans to Fedloans since they are apparently the only company that deals with " Public Forgiveness '' Loans. I have been working as a teacher for the last 12 years and have never been able to make full payments because my income is so low it never reaches the level for normal repayment. So basically I have been on the IBR system all these years. Before Fedloans I had Navient and several other servicers before that because they sell the accounts to each other I guess. I have always had trouble with sending my salary information because my paychecks show what I make during 10 months out of the year. It does not show that I do not get paid for the time I do not work in the summer. My yearly adjusted income hovers between the XXXX and XXXX mark on my tax returns but my paystubs show a gross of someone making XXXX per year. I always have to argue this with the loan servicer. There are several complaints I have and it takes more than XXXX words to unravel all the issues and complaints I have. I will try to create a list. 
1. They " lost '' or do n't have evidence of all the " eligible payments '' I have made over the past twelve years or at least since the law changed in 2007 for the loan forgiveness. When they switched over my account from XXXX they did not switch my payment history. 
2. They have sent me a request for documents and an application for IBR three times in the last year. Every time I send them the information they botch my application and cause my account to default and show " late payments, '' destroying my credit score every time. I sent them my application XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again XX/XX/XXXX and most recently now XX/XX/XXXX. They are still processing " the application. '' 3. Every time I call I get the run-around. I get responses like " the application is being processed. '' Then I call to follow up later and they tell me they " did n't receive my application. '' So how is that possible? Then I call back to try to speak to someone else and they tell me the application is " missing my signature. '' Meanwhile my loan is showing XXXX plus days late on my credit bureau for mistakes they are making. My previous payment was XXXX/ month and now it 's XX/XX/XXXX/month. That 's greater than my mortgage. 
4. I called again this last Thursday and I was told to file for consolidation online because " I qualify '' according to their customer service rep. So I did that and not 48 hours later I get a notice that the " application has been cancelled '' because I " do not qualify. '' I 'm at my wits end. Please help. Than you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (CT).
Issue: Problems caused by my funds being low

Complaint: I opened a checking account with Suntrust Bank on XX/XX/XXXX with an opening deposit of ( I think ) {$100.00}. I never received a debit card. About 1 month later I received a letter apologizing for not sending a debit card and stating that an extra {$25.00} would be deposited to my account as a courtesy. I never received a debit card, never received more information from Suntrust, and could not open an online account without the card. 

XX/XX/XXXX I received a notice from Suntrust stating my account was overdrawn and that I owed {$7.00}. I had been charged a monthly fee of {$12.00} for 11 months. 

I called in on XX/XX/XXXX and was told that my account was now {$19.00} in arrears and that they could n't cancel the account unless I flew to a state with a physical branch and cancelled in person after paying what I owed. Finally they granted me credits for {$24.00} and said I needed to call again to have my account cancelled. 

I called on XX/XX/XXXX and spoke with a Supervisor named XXXX. XXXX stated that she could credit me an additional {$48.00} but that the system would n't allow her to credit me the full amount of my opening deposit. She said she would close my account the next day and I would receive a check for {$53.00} shortly. 

On XX/XX/XXXX I received a statement ( my first ) from Suntrust showing I was again assessed a {$12.00} fee on XX/XX/XXXX. 

On XX/XX/XXXX I called Suntrust again and was told my account was closed on XX/XX/XXXX after the fee was again assessed. There was no explanation for the processing delay.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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 sent 3 written request through certified mail requesting verification with my signature for the following accounts XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have yet to receive anything with my signature and they also sent me with my dispute results at they will not investigate these accounts again. I sent these request starting from last year and my most recent request was XXXX of this year. These accounts are hurting my ability to be able to get back in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Account opening, closing, or management

Complaint: I bought a vehicle and got an auto loan through fifth third bank. I put insurance on the vehicle the day that I bought it and had the proof of insurance faxed to fifth third bank. A month or two later I started getting calls that I owed over XXXX in insurance that fifth third put on our vehicle. They claimed that they never recieved our proof of insurance and needed it sent again. So i complied and sent it again. I made my regular vehicle payment as i always do. A week later I started getting about 12 calls a day from all different collection centers for fifth third. They said that we owed XXXX dollars because my payments had doubled and I had only made my normal payment. The payments which were exactly double now were because of their added insurance. I asked why and they said they still had not recieved my proof of insurance so I asked how I could get it to them and have my payments back to normal. They said I could fax it again and they promised to personally call me back. I made the mistake of believing them and never got a call back. The insurance never got taken off and I was back to square one. I stopped by my local branch and they said there was nothing to do. So i went to my insurance agent and she helped me fax it over again and keep an insurance service center on the phone so we could hear them verbally say when it came through the fax machine. The employee claimed that all would be normal since they had recieve proof. But I continued to get calls to my work and my cell phone. So I got a fifth third supervisor on the phone after holding for 30 minutes. She says it will be resolved but I am now skeptical as you can imagine. I have cried multiple times over this matter. I have spent countless hours on the phone. My credit is damaged. And for what? I have done nothing wrong. It has been the most stressful month of my life and it feels like I am being harassed. I am writing this as a final hope. I have done everything I 'm supposed to and I 'm being punished for it.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2016 about Credit card () with WELLS FARGO & COMPANY (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I received a credit card I had not applied for and a bill for purchases on that card that I did not make.

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 03/25/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Discover loans sent me a letter regarding a ruling that CFPB made in XXXX XXXX, XXXX regarding the illegal activities that Discover was engaged under the XXXX XXXX XXXX. The ruling clearly states that I should receive up to {$300.00} for tax preparations for XXXX and XXXX, but they chose to give me just {$75.00} credit per year. My tax preparation costs are a lot more than {$300.00} and surely more than the {$75.00}. So I want to make sure that Discover pays the {$300.00}. 

I spoke to the following people at Discover and none of them were willing to listen to the official ruling that is on your siteXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Filing this complaint against US Bank N.A. in particular XXXX XXXX XXXX Corporate Trust Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX who responded to the XX/XX/XXXX request to address the notice of rescission originally filed with them XXXX XXXX. It appears US Bank N.A. ( Bank ) is assisting XXXX XXXX XXXX , XXXX ( XXXX ) in falsely reporting US Bank as a Trustee for a trust that allegedly is in possession of a note and mortgage on my property XXXX XXXX XXXX XXXX, XXXX XXXX ( the property ). XXXX alleged account # XXXX. 
XXXX XXXX certifies that there is a note and mortgage on said property owned by the trust they represent and that XXXX is their servicer for said note/mortgage. For over 5 years numerous request were made to the Bank to verify their status and verify the status of XXXX. All requests were ignored by failing to provide any responses to our numerous legitimate inquiries. Requests were made to the Office of the Comptroller Currency ( OCC ) to assist us in this matter. They too failed to properly address my concerns. I believe without proof of ownership of an alleged note/mortgage any reference to it should be considered false and invalid. In addition the Bank failed to provide proof of the servicing rights of an alleged mortgage/note that assists XXXX in committing an illicit act and the Bank should be held culpable for their participation in a possible fraudulent action. 
I believe the Bank is falsely reporting a note/mortgage in their possession because XXXX XXXX the owner of said trust ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ) filed a notice of a XXXX with the Security and Exchange Commission ( SEC ) in XX/XX/XXXX notifying the SEC they would not be filing any further reports on the trust as of the date of notice. Additionally XXXX XXXX XXXX who brought the rights to manage the trust in XX/XX/XXXX filed a report that the trust was void of any notes/mortgages. Additionally a fraudulent notice of assignment transacted on XX/XX/XXXX was filed with the XXXX registers office. Attached copy of said assignment identifies the numerous errors that certified this document as false and invalid. 
For the reasons stated above I believe the Bank should be held culpable for assisting XXXX in committing any possible illicit actions in this matter. An additional complaint will be filed against XXXX for their newest violations of the FDCPA and the FCRA. 
Thank YouXXXX XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient is my Federal Consolidated Student Loan servicing agent. My loan was transfered to them by XXXX. I can not get a complete account history from them, they increased my monthly payment, yet I am receiving {$10.00} less off my principle every other month ... I work as a XXXX at a XXXX and I am located off campus at the XXXX. I have been paying for approx. 10 years. I have paid nearly {$48000.00}, yet have only received approx. {$9000.00} toward my principle on a {$79000.00} debt. Something is wrong ... and I can not get them to fix it. My original loan servicing agent was XXXX XXXX ( and we all know what they have done. ) They transfered the loan to XXXX ( once again not the top performer ) And, it ended up with Navient ... Even the Department of Education can not tell me or provide me with a complete account history ... showing my initial interest rate at 2 % nor what my current interest is at. 
Thank you for helping ... I really appreciate your efforts in taking on this large of a challenge! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN MORTGAGE & EQUITY CONSULTANTS, INC. (MN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX, I submitted an online application at AMEC mortgage giving permission to pull my credit for a loan. Two weeks later, AMEC pulled my dad 's credit to add him to the mortgage and accidentally pulled my credit a second time. Through several email exchanges, this is what they determined. 

The following are the emails from AMEC mortgage : XXXX we pulled your credit XX/XX/XXXX when we added your dad, XXXX pulled credit again because he did it on you and your dad. ( he really didnt need to pull yours again, but I think he forgot and pulled them as a joint account ). I have since called credit plus and they separated the 2 reports and the ones we will be using for your loan are the ones dated XX/XX/XXXX. We cant fix this but it doesnt make that much of a difference. I apologize for XXXX. 

Email from his assistant : Please dont dispute this, it will show up on as a dispute and it will affect the loan approval. Every file has a soft pull 10 days prior to closing and that is where the dispute will show up. In order to get the loan re-approved, you would need to remove the dispute. I would suggest you dispute after you close, but not before. 

Credit was pulled ( not arguing that ) but they say when it was pulled on XX/XX/XXXX and that it was a mistake. I was later told not to dispute it until after closing because it would hold up the loan process. So I waited. In the meantime, XXXX XXXX, the mortgage lender in charge here and I had a falling out due to terrible ethical practices that my realtor would love to be a witness to in court. It should be noted that XXXX owned a house on the same street that he was putting on the market shortly after my closing date. I wrote a bad review on XXXX and now XXXX XXXX is now retaliating against me by refusing to remove the accidental credit inquiry which has impacted my credit negatively. This is a hardship on my way of life and now I fear more retaliation since he has all of my personal information.. This has caused undue emotional stress and anxiety. 

I filed a dispute with the reporting company and XXXX XXXX refused to remove the mark and sent a condescending letter. I just want my credit fix that he ruined through terrible business practices.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with TekCollect Inc. (TN).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I originally calle d Tek Collect to resolve my  debt. I asked to settle the debt and was told that I could not. I then asked her if I had an offer could she go to the client and see if they will accept. She said that she could. I advised her that she had told me a fib and I would call back and talk to someone else. I then spoke with  XXXX   XXXX  I tried to explain the call I had with the previous collector but he kept interrupting me to the point I could not talk so I told him  goodbye. I th en called the client  XXXX  and  XXXX   XXXX  home and offered them a settlement and they accepted it. I went Monday,  XXXX / XXXX /  XXXX  , and paid the bill. I then called  Tek Collect b ack to let them know I had paid it and spoke again with  XXXX   XXXX . I explained to him that because he would not let me talk that I went to the client myself and made a settlement payment and he then told me that I did not hear what I wanted to and that is why I was mad. I asked to have it deleted from my credit, he then told me that he did not believe I made a payment and that I was lying. I asked for his email, he would not give it to me I asked to talk to a supervisor, he told me that we were not playing that game and he refused to transfer me. I told him that he did not verify me, mini  XXXX  or tell me the call was recorded. I asked again to transfer me to a supervisor he would not. I called back four more time and was either hung up on or transferred to him.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. ().
Issue: Unauthorized transactions or other transaction problem

Complaint: I have deposited XXXX euros into my coinbase account on XX/XX/XXXX through wire transfer and it is still nowhere to be seen. My bank has verified that the amount has already been sent. Coinbase had a guarantee that I will receive my funds within 3-5 business days, which is obviously not being fulfilled right now.I have tried contacting them through email inquiries on XX/XX/XXXXand XX/XX/XXXX, of which I was promised a reply within 24 hours, which was again not fulfilled. I finally did head back from Coinbase on XX/XX/XXXX, but the reply only included generic troubleshooting to ensure my wire transfer does not have incorrect detail, and also notice that my case was escalated to a "specialist". I have replied to this email, providing further details and proof of transfer, but have yet to hear back from Coinbase despite multiple follow-ups.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Hello, I 've read that on " XXXX '' about the limitation for loan forgiveness only extends to 120 days after the last disbursement. 
However, as a recent graduate of XXXX XXXX XXXX, XX/XX/2016, I am concerned about my current situation. 

On XX/XX/2016, all students and recent graduates received emails about the school 's immediate closure following XX/XX/XXXX. My concern is that I now have a debt approximating nearly {$40000.00}, most of which comes from my enrollment at XXXX. 

After two years spent of my life, I now have a degree. However, it amounts no more than a piece of paper, from a school now known nationally to have been discredited by the department of education, forced to close, and shall soon no longer exist. 

This worries me because of the large debt I have incurred, expected to pay, and a resume which lists a graduate from a school that is tantamount having attended no school at all. Is there any way to contest the repayment on this debt? Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Credit card () with JPMORGAN CHASE & CO. (WY).
Issue: APR or interest rate

Complaint: Why is it that banks will offer Balance Transfers at 0 % interest but wo n't lower an existing interest rate? I 'll tell you why. The financial institutions in this country are out of control again, and I " WILL NOT '' bail them out again. I, like XXXX other Americans were so XXXX the last time, I may never get to retire. Do something about the financial institutions in this country before it 's to late.

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Ic systems inc is not licensed to collect a debt in the state of Florida as i checked and they do not exist. I tried to file a complaint through the Better Business Bureau again this company does not exist. You cant get in contact with them as no one answers the phone. I do not have a contract with them nor have i received any type of communication from them about alleged debt that appeared on my ctedit reports to all XXXX credit Bureaus.
They are reporting fraudulent information and accusations concerning a debt that i have no knowledge of. This is a violation of fcra rights and laws. This is an unacceptable practice that is hurting my credit.

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 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have multiple creditors reporting inaccurate information on my credit report. I have disputed these inaccuracies with the credit bureaus for almost a year since I began in XX/XX/XXXX. The credit bureaus have eliminated some inaccuracies, but there are over 5 creditors on my report in collections and reporting accounts. These creditors have been discharged through bankruptcy court and some are just not mine. The bankruptcy has been removed from my credit report, but some creditors still remain even though they have not submitted any new information to the bureaus since XX/XX/XXXX. This information is hurting my score thus preventing me to get approved for a mortgage which is crucial at this point. I have contacted the creditors and they have stated that they removed it from their files, but the credit bureaus have to do it also on their end.

Company response to consumer: Closed with explanation