milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/14/2018 about Student loan (Private student loan) with NELNET, INC. (DC).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: At the end of XXXX, my XXXX XXXX XXXX, a loan I had since XX/XX/XXXX, with a fixed rate of 4.25 %, was bought by XXXX XXXX to administer. 

I did n't notice it at first but several months ago I realized my interest rate was changed to variable and now sits at 5 %. 

Furthermore, I could no longer access my XXXX account, which, having signed up for paperless accounts, meant I could no longer access my monthly statements. I have auto-debit, so I often would n't check statements, hence why I did not notice my rate change and the following. 

Shortly after I signed onto the XXXX XXXX website I say my amount due and thought, that my account balanced seemed higher than what it had been in the last year at XXXX. I requested all the information XXXX had on my old XXXX XXXX XXXX data and I finally got it. After painstakingly transferring the data into XXXX and performing all the necessary calculations ( which I can only thank my XXXX in XXXX, to be able to even go this far ) I have discovered my hunch was right. 

I have, in essence, have had one full year of payments removed from my balance ( as if, I 'm paying from the start of XXXX again ). While my loan is not large compared to others the amount is still enough to make me angry at the banking institution for their clear negligence and makes me all the more concerned for my fellow borrower who nationally carries a larger debt than I. The amount difference in question here is {$1200.00}. That is still the equivalence of one full year of payments. The current balance is {$12000.00} while the real value, using the ending balance at XXXX and what I paid to XXXX, actually is {$11000.00}. 

To be clear, in my calculations, I added the unpaid, accrued interest before my first payment six months after XX/XX/XXXX, which includes the first disbursement at XX/XX/XXXX and the second at XX/XX/XXXX. 

I have paid a total of {$11000.00} of which {$5100.00} went towards principle and {$6200.00} went towards interest. Of the total paid, {$1100.00} was above the minimum due and was selected to pay off principle ( mostly done during the first couple of years - to help reduce the loan quicker ).

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 EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: XXXX XXXX shows on experian. I sent in proof to other credit reporting companies as well and the debt was removed from all but experian. The debt was not mine. I have lived at this address for XXXX years. The account is supposedly XXXX XXXX, which I 've learned is a gas company out of west Virginia. I have not lived in Wv nor have I had any utility services for somewhere I did not live. The next is XXXX XXXX for XXXX XXXX. XXXX  and XXXX as well as XXXX XXXX removed the account from my reports. It is still showing on experian. XXXX XXXX did not respond.

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 09-10-2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I sent a letter to all XXXX credit bureaus and called the State tax office as well. I was only in XXXX from XXXX and did not work during that time, or own property. I was never in XXXX in XXXX when the lien was filed and this error has affected my credit and only recently was I made aware this lien ever existed.All XXXX credit bureaus are reporting this misinformation. 
Source : XXXXDate Reported : XXXX/XXXX/XXXXDocket # XXXXCourt Type Recorder of DeedsRecord Type State Tax LienECOA JAmount $ XXXXThis information is also false. I was very ill and on XXXX during this time.and evidenced in XXXX hearing in XXXX of XXXXSource XXXXDate Reported XXXX/XXXX/XXXXDocket # XXXXCourt Type : XXXX XXXX Type Civil JudgementECOA IAmount $ XXXXPlaintiff/Attorney MedicalXXXXofXXXXXXXX/XXXX/XXXX claimed to be verified XXXX/XXXX/XXXXDIV ADJ SERVBalance $ XXXXMedical

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On all 3 credit bureaus a 120 day late report is on there last reported XX/XX/XXXXthrough XXXX. One bureau said last reported XX/XX/XXXX. The acct number only reveals ***XXXX. I was given number to XXXX  and through all departments they do not have any information associated with my social security number.

I am unsure if this is an old account or if its fraud but i am unfamiliar with any accounts through XXXX.

Please help!

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 04/16/2018 about Debt collection (Credit card debt) with McCarthy, Burgess & Wolff, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The female employee of this debt agency called my phone was very hostile to myself and she even threatened me with excessive calls. I was told to not answer anymore calls from the person. She was very unprofessional to the point that we had to block the phone number

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: In XXXX XXXX had a total loss on a car that I purchased in XXXX the other company that was at fault XXXX auto pay them with the car was worth however Santander USA still says I owe over {$10000.00} at an interest rate of 17 % and they still charge me interest rate a daily interest rate as well a monthly payment of XXXX which I think is well over the federal law interest rate in Florida I tried to offer settlement because I can not still pay on the car do not have and at the time I was not working because of the car accident injuries they denied a settlement offer and it still charge me a daily interest rate FL from what I have paid and what the USA or have paid them in the car as well pay for. I was also infected by hurricane Irma, still consumer financial will not accept settlement and or no payment relief.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Someone had stole my checks and used them. This was reported and the person arrested.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2016 about Bank account or service (Other bank product/service) with WEBSTER BANK, NATIONAL ASSOCIATION (TX).
Issue: Account opening, closing, or management

Complaint: At an old job, I was signed up for an HSA account with HSA Bank out of XXXX, WI. After leaving that job, I spend the HSA down and then attempted to close the account in XX/XX/2016. I contacted them and exchanged closing documents in XX/XX/2016. In XX/XX/2016, they charged me a fee for no remaining balance. I contacted them and told them I 'd closed the account. They apologized and said it had n't been closed due to a fake oversight, and said they would close it. XX/XX/2016, I get another statement. I call them and they claim they will " expedite '' the closure. 

At this point, it feels like HSA Bank is refusing to close my account even though I have sent in all the paperwork so that they can continue to assess fees forever and it is impacting my credit. They are not a legitimate enterprise with these practices, and neither you nor your company should bank with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/22/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (FL).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I aply for Discovers Credit card and they send me by email they more information and I call they Check process after about 30 minutes they say My Credit is very short to aproved I have on this time over 660 for me ist about because XXXX XXXX XXXX and This is racism

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient is unable to provide fair payment plans I have been charged as high 15 % interest rates on my private loans. 
I have paid XXXX in interest and my principal has gone up each year now exceeding over XXXX I would like the same fair repayment plans as the federal government or at least the opportunity to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (IA).
Issue: Unauthorized transactions or other transaction problem

Complaint: Over a year ago I signed up for an online legal documents service. For a {$15.00} per month from my paypal account I could access legal forms in their library. This could be terminated at any time with no contract term. Part way through XXXX I requested to terminate the account with the service provider. I did not notice until XXXX XXXX that the service provider had continued to charge me {$15.00} per month to my paypal. I contacted Paypal to dispute the charge but they would only allow me to dispute the most recent charge, which I did on XXXX XXXX, XXXX. Paypal contacted the service provider who apparently told Paypal they were pre-authorized to charge my account. Paypal ignored my information noting I had cancelled the service ( thus no longer pre-authorized ) and decided the charge was valid. I appealed and Paypal denied my request with no further explanation or proof of authorization. Paypal offers a purchase guarantee plus also a money back for unauthorized charges, however, they failed to act appropriately in this instance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/30/2015 about Consumer Loan (Vehicle loan) with DriveTime (AL).
Issue: Problems when you are unable to pay

Complaint: I am a co-signer on a car from several years ago for my brother, he is behind on payments by 2 weeks until he get paid on Friday. They call twice a day and I even spoke to them, to let them know I had no money to give them because of my own student loans. I also informed them as soon as my brother he is paid, he will make a payment. Until then, please direct calls to him and that I had already left a message for him myself about drive time calling. This was at XXXX XXXX today and then at about XXXX XXXX, XXXX, called back that very same day. When I called the company back to let them know I am getting several calls in the same day, not just one or two but sometimes it will be three or four if I am at work and can not answer like I did today. I got nothing from them but I understand you being annoyed, the operator could n't even set to where it would not call several times a day. She pointed me to her website to set up a time they could call, I proceed to the website and there is no such place to set up times they can call you. Drive calls 3 to 4 times a day, 7 days a week. I have to make sure my phone is on silent on church because they always call in the middle of service. It is harassment, one call would be fine, but when you call twice a day AND you talked to the person already that day. IT serious stalking mode, when he is probably not that far behind on payments. If he was that far behind, why has n't the car been repossessed. The fact is I do not received the bill and since I am very cautious of companies, I refuse to pay anything if I had it to someone over the phone. They will be calling me tomorrow several times and I will fill out another complaint if needed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (LA).
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint: I DONT HAVE ACCOUNT WHEN I PURCHASE MY VEHICLE THE CAR SALEMAN DIDNT TELL ME HE WAS RUNNING MY CREDIT TO SEVERAL AUTO LOAN FINANCE COMPANY THAT WHY I HAVE TRIED ON SEVERAL OCCASION TO RESOLVE THIS MATTER NO LUCK

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 02-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: failing me at every stage of repayment improperly applied payments to accounts lack of guidance to repayments did not disclose information needed to lower payments did not disclose information about releasing co signer from loans

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Credit reporting () with Innovis (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A credit was ran on me through a credit union on XXXX2017 I have neither gave permission nor did I apply for any loan.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Debt collection (Medical debt) with PMAB,LLC (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX accounts for {$160.00}, {$88.00}, and {$140.00} and date of service was XXXX. Accounts were written off due to billing insurance company beyond billings limits on XXXX. All XXXX accounts were referred back to original creditor from collection agency on XXXX/XXXX/XXXX. I contacted collection agency but they refuse to close account and remove from my credit report to reflect the correct reporting. I would like accounts deleted asap because I do n't owe and this account been closed out since XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: An account from XXXX from 2006 that was included in a bankruptcy filing is still showing as a delinquent/late paying account in my Equifax file. 
I have submitted the dispute to all XXXX credit reporting agencies. XXXX and XXXX have deleted the account from their records. Equifax has yet to do so. I need your help in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: While client and husband were married, husband took out a mortgage loan in XXXX from National City Mortgage ( n/k/a PNC Bank ). The loan is evidenced by a Note signed by the husband and deed of trust signed by my client and her then husband on the home which they owned as tenants by the entirety. My client and her husband were divorced in XXXX XXXX. As part of the divorce decree, my client was awarded the home. But the divorce decree also requires her to assume the mortgage loan. My client has tried to find out the status of the loan but PNC will not talk with her even though she has sent them copies of the divorce decree and is now the sole owner of the property. She has been making mortgage payments since XXXX XXXX, XXXX but has no idea whether PNC has been applying her payments to the loan because PNC wo n't talk to her or send her bank statements. Recently, she heard from a third party that PNC has been returning all of her payments to her ex husband. She can not confirm whether this is true because PNC wo n't tell her anything about the loan and her ex husband wo n't tell her. She is reluctant to send in another monthly payment if PNC is simply going to send it to her ex husband. At the same time, she fears that if she does n't send the payment, PNC may declare a default. My client needs complete information about the application of her payments and a borrower response package so that she can apply for a contemporaneous loan assumption and modification.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with WELLS FARGO & COMPANY (OH).
Issue: Closing on a mortgage

Complaint: Wells Fargo opened a HELOC without my signature and without my consent. I was told by the local window company ( XXXX XXXX ) that they would send my credit score info to XXXX to see if I would qualify for financing. The very next day I went into my Wells Fargo account to check on my mortgage payment, and there was a line of credit opened ( {$13000.00} ) with a " Next payment due date XX/XX/17 '' I pursued financing for my windows from my credit union ( XXXX ) but have had to contact Wells Fargo twice attempting to close the account they opened WITHOUT MY SIGNATURE OR CONSENT! The account appears on my credit report and still appears on my Wells Fargo Mortgage website. 

Clearly, Wells Fargo has n't been fined enough for doing this XXXX to consumers!

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 06/20/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have repeatedly disputed an account listed on my credit report as not being my account. After submitting numerous requests to XXXX for validation of the debt without response, I disputed the account with Experian. Experian supposedly investigated it and came back and said that proper validation was provided to them. I asked to see said documentation containing my signature since I would have had to sign a lease ( this is a collection account for an apartment complex ). I was provided a XXXX page accounting with the name " XXXX XXXX '' and the address of the apartment complex on it. I again asked for proof this was my account because I did not enter into any lease agreement with that apartment complex. XXXX will not provide it to me and Experian will not say anything other than the account was properly validated. HOW CAN IT BE VALIDATED IF YOU HAVE NO DOCUMENTATION CONTAINING MY SIGNATURE?? Experian will not remove this account even though it has not been able to properly validate it as being my debt. I have repeatedly asked to see the documentation proving it is my debt. Neither Experian nor XXXX has been able to provide any such document. THIS NEEDS TO BE REMOVED FROM MY CREDIT IMMEDIATELY!! Thank you.

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 06/23/2016 about Debt collection (I do not know) with LTD Financial Services, LP (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Company contacted my employer about alleged debt, as well as numerous members of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Complaint was filed with Consumer Financial Protection Bureau on XX/XX/2017. XXXX could not be sent complaint, turned over to goverment agency. XXXX XXXX responded that they are ceasing collection activity on this account. 
CFPB Complaint # 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 06-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (KS).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: There is a collection company called Enhanced Recovery that put me in collections for a debt that i have already paid. Enhanced Recovery is committing fraud against me by trying to collect this debt. The collection i paid and this wrong collection is the same account but a different amount to try and scam me. My lawyer and I are proceeding with a law suit due to the harm this has caused me. It has prevented me from purchasing a home and has been ruining my credit score for months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation