milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (VT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Earlier this year I applied for a consolidation loan through Fedloan Servicing. The amount of the loan that they show is incorrect. I have tried numerous times to get them to correct their mistake, and have made no progress. Here is a copy of the text of the email that I just sent them that describes the dispute. I have uploaded copies of the statements of account and bank statements. Thank you for helping me resolve this matter. 

XXXX : account # xx xxxx xxx xx. 

To Whom it may concern : Earlier this year, I applied for a consolidation loan. Before the loan went through, I obtained other financing and paid off most of the loans myself. I did not realize that the consolidation loan would go through no matter what. Unfortunately, the consolidation loan amount you show is not correct, and does not match the payments that Fedloan Servicing actually made to my accounts. I have called numerous times to get this settled, and have made no progress to get you to correct your error. I have obtained statements of my account of my previous loans that show my payments, as well as yours, and have attached them. I have also included printouts of my bank account that shows the payments I made. 

XXXX loans were consolidated. Details follow : XXXX loan # xxxxxxx. Paid in full by me with check # XXXX for {$530.00} XXXX. NYS XXXX case XXX-XX-xxxx Balance of XXXX. {$50000.00} paid by me on XX/XX/2016. {$2.00} paid by Fedloan Servicing on XX/XX/2016. 

XXXX. XXXX loan account # xxxxxx. {$10000.00} paid by me on XX/XX/2016 with check # XXXX. {$1700.00} paid by Fedloan Servicing on XX/XX/2016. 

It is easy to see from the statements of accounts that Fedloan Servicing paid {$2.00} plus {$1700.00} for a total of {$1700.00}. Please adjust this amount, and figure interest owed to the date of my first contact with you. As soon as I receive a correct bill, I will pay it in full. 

Because this has taken so long, despite numerous calls, I am filing a complaint with the Consumer Financial Protection Bureau as well. 

I look forward to resolving this matter now. 

Sincerely, xxxxxxx xxxx XXXX is worth living.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/22/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Credit card protection / Debt protection

Complaint: I had an LLC Capital One credit card ( I was the primary signor ) that was improperly used by my partners wife to pay a her personal insurance policy premium. On numerous occasions, I explained this to Capital One, and they finally placed ALL correspondence to XXXX XXXX ( my LLC partner ), making him the responsible party for collection. 

My credit report continues to show this debt, therefore destroying my credit. Every time my credit report is reviewed, I have to go through the long process of explanation. I just need this removed. Please

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-01-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: Hello, yesterday I changed my quickpay  with chase and had my sister send it to my second bank account with chase .My sister sent an {$100.00} quickpay to chase, and the default account did not change .I went to  the bank and they can see it had been changed on my end in their system, but when I call the  XXXX  number they ca n't see that change and the second account I had with them is in the Negative so I could not just transfer the money .They said it is nothing they could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (RI).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Today, XXXX XXXX, XXXX was the second time in a month I telephoned Macys to review my credit card account and request a decrease in interest as the interest on the account keeps going up. On both occasions, I have spoken with the basic customer service representatives who have both told me that Macys is not reducing interest rates at this time. Both times I have asked to speak with a customer service representative. I am put on hold for an unusual amount of time, the " supervisor '' answers the phone, states they will not be reducing interest and then hangs up on me. This has occurred twice. 

I am unable to speak with anyone at the credit card company who can possible assist me with a review of my account. I have been a loyal customer for many years and do not believe my account should be handled in such a way that when I make a request, I am automatically hung up on.

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 08/22/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: the was received on X/XX/2017.
I am disputing this amount in FULL.
remove my name and alleged debt from your files. it was already addressed and resolved in previous years. thank you. XXXX XXXX XXXX attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Payday loan, title loan, or personal loan (Installment loan) with BlueChip Financial (MI).
Issue: Charged fees or interest you didn't expect

Complaint: On XXXX XXXX of XXXX I took out a {$800.00} loan from XXXX. In the past I have always paid these loans pack in 1-2 payments, so I never understood how the long-term payoff process went. I started making payments of roughly {$140.00} every other week and had been paying this for all of XXXX, XXXX and into XXXX. On XXXX XXXX I e-mailed XXXX after realizing the principle balance on the loan had not gone down. After doing research I found out that XXXX is not licensed and does not have to abide by state/federal interest guidelines, and that the interest on my loan was at least 400 %, if not more. They claim to be licensed by their tribe in North Dakota. I asked to be able to pay off the remaining balance of the loan principle ( {$93.00} ). They refused. I have requested this multiple times since XXXX, they still refuse. They have blocked my account online so the only information I get about the status of my loan is from one loan officer named XXXX XXXX He is now refusing to answer my e-mails regarding the situation and stated he will not e-mail me further regarding a resolution. Any report to my credit or other agencies will be disputed under the fact that tribal law and regulation is " being upheld '' off of tribal land through manipulation, etc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My wife 's debt is in collection, but they call me ( husband ). XXXX time they called I asked for a letter of verfication of debt. The person started explaining about how credit will affect buying a car or a house. I insisted on them sending me a verification of debt letter. They have our mailing address, but continue calling me. We have not received anything from them " Portfolio Recovery Associates ''

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with LENDER LIVE (MO).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company is LenderLive. On XXXX/XXXX/2015 they withdrew 2 payments from my escrow account for home insurance and Property Taxes. It has been 3 weeks now but neither the county nor the insurance company has received the payments. Also, they withdrew almost {$350.00} more than the actual tax bill. I am trying to get my loan transferred to another lender but I ca n't as they require the payments to be made before they can transfer the loan. Every time I call Lender Live, they tell me that they payments have been made and I have to talk to a new person to explain them all over again. I read the reviews about this company and it seems that other people also have had issues with them paying out the bills from escrow. Please help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I filing a complaint against XXXX XXXX XXXX and XXXX XXXX XXXX. They are reporting an outstanding amount owed to XXXX XXXX XXXX for {$520.00}. This amount has been satisfied back in 2009. I have called both companies and neither XXXX of them are willing to removing this information even though it is incorrect. I have attached all the supporting documents showing that this account has been satisfied and needs to be removed from my credit report. If you have any questions feel free to contact me at XXXX or at XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: on  XXXX   XXXX   Capital one  received a ceritifed letter from me requesting validation on this debt for the amount of  XXXX  that shows charged off. As of today i have not received any notification of any sort regarding this validation of debt showing my signature. In looking at my credit report today,  XXXX  does not show this marked disputed ( in violation of law ),   XXXX   says resolved by grantor ( my dispute was never answered ). How did they resolve it?  XXXX  s hows notes resolved by subscriber ( my dispute was never answered ), which has never been resolved. The information Capital one has given the CB (   XXXX   XXXX   XXXX   ) are false, as this has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: X/XX/18 XXXX XXXX XXXX XXXX XXXX-I responded and was hung up on XXXX XXXX No message was left however I received these calls all within one day. I understand that there is financial responsibility however 6 calls completely unnecessary. These calls took place during hours of work and have cause disciplinary action on my employers behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Consumer Loan (Vehicle loan) with BARCLAYS BANK DELAWARE (NY).
Issue: Managing the loan or lease

Complaint: While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiry was initiated by XXXX BANK on XXXX. I did not authorize any employee of XXXX BANK to review my records for any reason at any time. I had also requested XXXX BANK to provide me with documentation for my verification within 5 business days and they have failed to do so, in clear violation of my FRCA and Privacy Rights. I have continued to suffer irreparable economic injuries as a direct result of this negligence on the part of the BANK, including but not limited to inability to secure meaningful employment, housing and obtain new credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: * My complaint is with XXXX XXXX XXXX for filing a negative post to my credit report and never letting me know that they had purchased this dispute. I have filed a dispute with Experian on XX/XX/XXXX. Complaint about negative posting on Experian Credit report from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MI XXXX. Phone XXXX. See copy of credit report below. This negative posting was opened XX/XX/XXXX according to the information of the credit report with a Balance of {$220.00} on XX/XX/XXXX. The credit report notes that this is On record until XX/XX/XXXX I  received no prior notice via US mail or phone call or voice mail from XXXX XXXX XXXX before this was placed on my credit report. This dispute started in XX/XX/XXXX due to incorrect medical insurance coding on the part of XXXX XXXX XXXX XXXX XXXX my insurance provider at the time. I was advised me not pay any invoices until the coding was corrected. The next billing statement from XXXX was in XX/XX/XXXX and still incorrect. See copy of letter dated XX/XX/XXXX. The XX/XX/XXXX bill was still incorrect and I called XXXX and XXXX billing on XX/XX/XXXX. See copy of invoice and notes of call. XXXX told me I did not owe anything on this account with XXXX and that their insurance coding was still incorrect.

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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following were removed previous from Equifax. I previous contacted the creditor on removing the inquiry. They reported that they sent letters to remove XXXX/XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Dear Sir/Madam I had sign up with  XXXX  for electricity based on their marketing calls. They had promised me {$600.00} in gift cards for signing up. However, after several months they failed to provide the gift cards. I had called them numerous times and even filed a better business bureau complaint. Finally, I had enough and I cancelled the service after paying every penny for the electricity I had used.  XXXX  then reported my account as delinquent to the credit reporting companies. I had filed complaints with all the  XXXX  credit bureaus to no avail. Apparently  XXXX  is reporting a {$240.00} termination fee as outstanding balance. I was not aware of this bait and switch trick that  XXXX  is engaged in.   XXXX  I request that your good office help me remove this erroneous and fraudulent entry from my credit reports and take strict action against  XXXX  for their fraudulent business practice.   XXXX  Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I recently received a letter from XXXX, XXXX, XX/XX/XXXX, that my home mortgage had been transferred to Select Portfolio Services ( SPS ) and would be effective XX/XX/XXXX. In the letter from XXXX, they stated that all contract agreements about automatic payments would not change with the new service provider ( SPS ). On XX/XX/XXXX I contacted SPS ( I spoke to XXXX ) because my mortgage payment did not come out of my payment account as scheduled. SPS ( XXXX ) stated that my payment would come out on XX/XX/XXXX due to backlog on updating new accounts and another on XX/XX/XXXX to bring us online with the E-Pay contract we had with XXXX. Today ( XX/XX/XXXX//XXXX ) when I called SPS, the recording stated that this company was a " DEBT COLLECTOR ''. I have never been late with my payments to XXXX, so why a " DEBT COLLECTOR ''? I then spoke to two people ( XXXX, and his manager ( XXXX ) who told me that they did not have to honor the XXXX contract ( which was E-Z Pay, consisting of payments every other Tuesday of each month with the 3rd payment on months that have 3 Tuesdays going direct to principal ). I asked why they had not taken out my XX/XX/XXXX payment today as stated that they would and was told by XXXX that because I was ahead on my mortgage payments that they would not take any payments out until I owed. The whole purpose of the E-Z pay with XXXX was to stay ahead on payments. XXXX said SPS would honor those terms, SPS says they do n't have to, that it was not in the contract. It was optional at the time of the XX/XX/XXXX contract with XXXX to make the E-Z pay part of the contract. Once we all agreed on that option of the contract, we were led to believe that it would remain part of the contract, even if the contract was transferred. Now both XXXX and SPS are telling not only us, but other customers ( I was told this by XXXX ( 0n XX/XX/XXXX at XXXX hours ) ) that if it was an option, it is not considered binding by law. I have since in the last few hours learned from looking up customer complaints that SPS appears to be fraudulent in it 's practices. I firmly believe that once the optional agreement of a 3rd payment during the months that have a third Mon/Tue should be considered a part of a binding contract. I also want to know why XXXX was allowed to send my mortgage contract to a " DEBT COLLECTOR '' as stated clearly on SPS phone system when you call when we have not been late on our mortgage payments. That is a slap in the face to those of us who make our payment not only on time, but ahead of schedule. THIS IS FRAUD by both XXXX and SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Balance transfer

Complaint: On XX/XX/XXXX, I requested a balance transfer from Capitol One for XXXX be paid to my XXXX Store card, because it was charging me interest and the balance transfer was an interest free offer. It was never received XXXX. When I called Capitol on XX/XX/XXXX I was told they transposed the XXXX numbers on the XXXX account. I was told a stop payment was issued and a new XXXX check would be sent XXXX. And Capitol One refunded a XXXX late fee XXXX charged as a result of Capitol One's mistake. After awhile I saw that XXXX still had not received the new payment. I called Capitol one again on or around XX/XX/XXXX. This time I was told that XXXX had received payment and cashed the check but somehow had not credited my account. I called XXXX and they said Capitol One would have to prove they cashed it. So I called Capitol One again and they said I was told the wrong thing by the former rep and that neither checks were cashed! At this point I was so frustrated, I said just refund me the 2% fee and the $XXXX and I will pay off XXXX myself. I was told this could take XXXX to XXXX statement cycles. That was the XX/XX/XXXX! It's the XX/XX/XXXX and nothing has been credited back to my account. My name is XXXX. I can be reached at XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-06-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I make the payment on the due date and I still get charged a late fee.  Synchrony  insist on charging a late fee just in case my payment does n't go through. My payments always go through and I never make a payment if I do n't have money to cover, yet Synchrony assumes my payment is not good. They remove the late fee once the payment comes through, but in the mean time it downloads into my accounting software and causes me extra work to account for this phantom fee. The amount of accounting cost me much more than  XXXX  dollars yet I ca n't charge them  XXXX  penny extra for my labor they cause.     When is our government going to rescue us from this kind of abuse? This 'selling laws to the top bidder ' has to END!     EARN THE MONEY!

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 02/15/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Sallie Mae did not send my XXXX statement. They sent a letter stating that i paid {$3900.00} and {$11000.00} in eligible interest but the letter was to my co-signer and it says that the borrower has to obtain a copy of the XXXX but I the borrower was not able to log in to the website to print it because i am no longer a customer and she stated that i did not pay any interest off and that the loan was simply paid off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Problems when you are unable to pay

Complaint: Ive been a Santander account holder for a little over a year now and Ive had some hard times come and I ask the company for a payment deferment and they tell me my account is in excellent standing that I should n't have an issue being approved. So I wait the 2weeks they told me it would take for a " Manager '' to decide my approval and I never receive a call or email, so I take it upon myself and call them. They then tell me I was denied because I was not past due atleast 10 days or more. I do n't think its right to accrue late charges and interest for every day after the 10 day grace period they have, if its not easy for customers with great payment history to be approved. Not to mention the loan is way more then what the vehicle is even worth, even for it being a newer vehicle.

Company response to consumer: Closed with explanation