milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Mary Mae Financial, LLC (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am an XXXX veteran and was induced by XXXX to take out a private loan from Mary Mae while they waited for my GI bill funds to come in. I was pressured and given no other options, and I was never refunded anything from the school once the GI bill funds did come in. The loan has an incredibly high interest rate of 14.99 %. I have always made my payments, but I was defrauded and stolen from, likely by the school but potentially by Mary Mae as well, it is unclear. Mary Mae 's website changes all of the time, and I am not able to get in contact with anyone to discuss the loan or its terms. I continue to make {$170.00} payments a month, with {$1300.00} left on the loan, but it would relieve a great burden on my family to stop making these payments or see some other resolution of this issue. I can not afford what it would cost to attempt to take legal action on my own. I want this amount forgiven, or at least the loan payments reduced substantially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am disputing the validity of the bankruptcy record your organization has included with my credit report. I have disputed in the past. Additionally, I am unable to properly dispute via your website.

I request that you provide the method of verification bankruptcy record youve listed on my credit record, please include the following : ( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; ( e ) the documentation used to verify ; This is my right under the Fair Credit Reporting Act : FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available I request that you comply with the law and furnish me with the information I've asked for within a period of 15 business days or deleted the bankruptcy from my record

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 09-01-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Using a debit or ATM card

Complaint: On XXXX XXXX/XXXX/2015 a duplicate charge was posted to my account by vendor XXXX. My complaint is against Chase Bank debit card services. They were notified the day of the disputed charge by monitored phone call and in writing. The vendor XXXX had issued a credit on Monday XXXX XXXX, 2015. Chase was with holding our funds. Chase stated on Tuesday XXXX there was no credit coming into the account and the vendor did not send a credit to our account when XXXX had already contacted Chase Bank and notified that there had been an issued credit on Monday. I spoke with XXXX corporate department. The duplicate charge was for {$220.00}. Chase refused to put a stop payment on the duplicate charge even though it was a pending charge and I was willing to pay for a stop payment to release some of our partial funds. Even if our credit to our account is resolved at some point I would like an inquiry into Chase business practices with emphasis on ATM/Debit transactions. Our account number is XXXX under the name XXXX and XXXX XXXX. 
XXXX XXXX Phone : XXXX at XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 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: Their investigation did not fix an error on your report

Complaint: I cant remember the dates exactly but i disputed, sent letters 3 different times this year about removing unauthorized inquiries to XXXX, Experian, and XXXX. The inquires were Auto Financing companies.and other companies XXXX XXXXXXXX auto financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NM).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: On X/XX/2017 it was time for my first re-certification of the XXXX plan I had been granted XXXX months earlier under FedLoan. I submitted a completed application along with a comprehensive statement of income and proof of income sources, XXXX per source, current within XXXX days. 

On XXXX, I was informed that my XXXX re-certification was rejected. The reason cited for the rejection was that I had not supplied adequate documentation for my spouse 's income. I informed customer service that my spouse 's source of income was from investments XXXX checking account with interest ). The first round of talking with customer service resulted in " There 's nothing we can do for you. '' The second round resulted in an escalation for another review. 

On XXXX, I called back to see how this second review had progressed. Customer service again informed me that it had been rejected, again citing the lack of proper documentation for employer based income when I had indicated that my spouse had taxable income. Representatives from FedLoans even went so far as to tell me that I should n't have reported the interest income as taxable income. That I should have just left the interest income off ... Say what? Seriously, asking me to certify a false document? XXXX ( sorry, but they really go me worked up XXXX, the law is the law. Taxable income is taxable income. 

I ca n't explain it any other way, but I think because I had checked the box indicating my spouse had taxable income, they thought it could have only come from employer income despite it clearly stating in Section 5 that Taxable Income includes " dividend income, investment income ''. They were looking for a pay stub, when I did n't have one to give them. She does n't have a job. The taxable income did n't come from a job! 

As of today, X/XX/2017, FedLoans now says they 're going to process for the next billing cycle, and I hope that after XXXX months of this drama, they finally have their heads on straight. I 'm not surprised to find that the XXXX in Massachusetts is suing FedLoans. They 're very difficult to work with at times.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Other

Complaint: My credit card number was used fraudulently in XXXX 2015. Capitol One notified me of the charges and I identified all XXXX of them. I was given a new credit card with a different account number. But Capitol One incorrectly noted the charges as " adjustments, '' so they have shown up on my bill as " purchase adjustments '' instead of " fraudulent charges/credits. '' I have spoken to them XXXX times about correcting the error, which now has been duplicated several times. There is a cycle of incorrect " charges '' and " credits. '' The issue has been with Capitol One 's fraud department for several months, but it is still not resolved. My statements are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (NC).
Issue: Managing, opening, or closing account

Complaint: Direct Deposit unavailable. Customer Service is also unavailable so I ca n't find out any information regarding funds or when they will be available. Several other customers are posting information about not receiving their funds as well since XXXX/XXXX/2015. Reading posts from other customers and XXXX information regarding this issue is the only way I have been able to access any information. The company itself is not through the XXXX number or e-mail either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: OnXX/XX/XXXX I received a letter from XXXX XXXX saying I owe XXXX XXXX XXXX. I informed them that I do not owe this and that the account does n't belong to me. The rep yelled at me saying that it does and I needed to pay and used foul language. The debt was posted to my credit and I disputed it woth the credit bureaus and XXXX XXXX and it was removed.Now i have received another letter today XX/XX/XXXX dated XX/XX/XXXX from a different company XXXX XXXX which is a completly different cpmpany saying I pwe this debt of XXXX. I informed them it was disputed before and removed but theu say i owe please help me with this.

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 11/17/2016 about Debt collection (Medical) with Synerprise Consulting Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have not received any information about this debt from any creditor nor the debt collector. I only became aware of this debt through XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (OK).
Issue: Managing the loan or lease

Complaint: I purchased a vehicle through XXXX in XXXX in XXXX. From the get go the deal has not been good. The dealership lied to me, and would not take off gap insurance that we asked to be taken off a day or so after the loan. Now, the dealership did not inform me that the customer service for the financial institution is all outsourced to XXXX or the XXXX. I can never get anyone who speaks XXXX at Ally Financial, and now, today, I learned that they have taken almost {$600.00} too much out of my account. My payment was supposed to have been {$290.00} and they took over {$790.00} out. I have a corporate contact at Ally due to some of the other issues we 've had and even she argued with me saying that it appears I initiated the payment to go through. I did imitate XXXX payments, XXXX for {$150.00} and XXXX for {$290.00}, but for whatever reason they charged what they did. I have had to go to my bank to dispute the incorrect portion. 

Ally Financial is a joke! They are hideous and they do not help. I also have reason to believe I was hacked when the car deal went through as I have had to change banks, phone numbers, and even email addresses since purchasing this car. We may have been hacked prior to the car deal, but we have had nothing but trouble and my credit score has dropped significantly since all of this happened. The issues I 've had are well documented, and I eventually had to email their investor relations just to get someone who spoke XXXX to call me. 

Today is the last straw. They will not help me with the incorrect amount they charged out of my bank account and I have to file a dispute with my bank now. I am so upset about all of this. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Mortgage (Reverse mortgage) with CIT BANK, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: My father ( deceased ) had a reverse mortgage on my childhood home. After he died the mortgage company ( Financial Freedom ) said that I, as legal heir, would be allowed to purchase my father 's home for 95 % of its fair market value. They sent an appraiser who took a photo of the front and rear of the house and added a {$450.00} appraisal fee to my father 's account with Financial Freedom. The appraiser never even came inside ( my family and I were living in the home at the time of appraisal and were in fact living with my father before he died ). The appraisal came in at $ XXXX. The $ XXXX was very near the assessed value posted by the board of assessors. I suspect that some percentage of the assessed value was used in lieu of a real inspection and appraisal. This phony appraisal meant {$120000.00} to me using the 95 % figure. I told Financial Freedom that the property was not worth {$120000.00}. This was confirmed by a real estate agent, and friend, who lived next door. I told Financial Freedom that I wanted to get my own appraisal and they said only their appraiser could be used. In XXXX 2015, my father 's property was sold for $ XXXX to a total stranger. I feel completely cheated by this dishonest appraiser, Financial Freedom and XXXX XXXX ( the buyer at auction ). My real estate neighbor predicted that they would be very lucky to get $ XXXX for the house. How right she was. My husband is a veteran and has access to a VA Loan. We would have gladly purchased my father 's property for the $ XXXX ( real fair market value ) but were never even notified that they would sell it for $ XXXX less than they originally told us. Completely unfair and immoral and criminal in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (FL).
Issue: Account opening, closing, or management

Complaint: I am a salesman for a local roofing and construction company out of XXXX Florida. We are also our own financial company. A customer of mine entered the suntrust bank on XXXX XXXX, in XXXX Florida to get a copy of their bank statement to show proof of income for our financing. The manager ( I did not get her name, but she is a XXXX woman in her XXXX ) refused to give them their statement, insinuated that we were a fraudulent company directly to me and my customers, then attempted to steal my deal by suggesting that they should n't finance with us, and to have her write the loan. I find this extremely unethical. Not only did she kill my deal, she did so to benifit herself. A lot of people depend on us to be able to do business unhindered by outside parties with ill intent. These jobs feed the families of our employees, and her actions have made it harder for us to accomplish that end.

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 03/20/2017 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Credit determination

Complaint: On XX/XX/2017 Fifth Third Bank made an unauthorized hard inquiry to my credit report ( XXXX ) of which I understand is illegal. I never signed any documentation authorizing this inquiry which is currently affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problems caused by my funds being low

Complaint: Bank of America keep charging me over extension fees on returned check that have been returned. I ask them to charge me " XXXX time '' the {$35.00} insufficient funds fee, I will gladly pay that amount for each return check, but not {$35.00} over and over again for XXXX check and then another {$35.00} for some extended fee they keep charging.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Hello i am having a problem with my mortgage company Penny Mac. I originally called Penny Mac with the intentions of looking for a pool loan instead I was talked into doing a refi with their company. Penny Mac told me my mortgage would be cheaper by about {$150.00} per month making my new payment {$1900.00}. As you could assume that was great for myself and my family. But, this amount did not last long bc I just received a letter in the mail saying my escrow account is in deficit by over {$8000.00} and rising! When I called Penny Mac their excuse was that they did a estimate for property taxes of around {$2000.00} but the taxes where over {$6000.00}. When I first spoke to them my deficit was in the {$7600.00} range and now just a few weeks later it 's more than {$8000.00}. They said the only thing they could do is up my mortgage to {$2500.00} over a duration of 4 yrs but yet my escrow deficit is still climbing. So now we were dropped by our flood insurance bc there was not money in our escrow account, and picked up by lender assigned flood insurance at a more expensive rate. Also when I called about this they added GAP insurance without my knowledge that day after speaking with them which added an extra {$600.00} or more to deficit. Please help Penny Mac has done nothing but take my Financial security away from me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Debt collection (Non-federal student loan) with Williams & Fudge, Inc (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Debt collector continues to call my family members daily even after they asked him to stop. He also disclosed private information about my debt to XXXX of my family members. And is using his name when he contacts other family members. Also calls my phone and their phones repeatedly throughout the day.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (MD).
Issue: Loan servicing, payments, escrow account

Complaint: We escrow our taxes through our mortgage company. We got a notice that our house was going to Sheriff Sale for failure to pay taxes. Freedom Mortgage claims they sent in the taxes but the county never received them. When we called to find out what was going on the customer service representative said it had to go through their tax department who can not take incoming calls! Can not take incoming calls?!?!? ITS TAX SEASON Freedom Mortgage is screwing us out of a deduction and they are telling us that they will respond by XX/XX/XXXX. A little passed our tax deadline. We then find out that they sent the payment to the wrong account number to the county. They hold the mortgage to our house and do n't even know where it is! We can not get any resolution to the problem because we ca n't speak to any one in the " tax department '' they have to " call you back ''. This is absolutely the most ridiculous thing I have ever heard! We are going to lose a tax deduction and are going to have to pay penalties for late payment and the best they can come up with is the tax department has until XX/XX/XXXX to respond? We have no where else to turn. These folks seem to think we have hours to spend on the phone trying to get answers! This is a very frustrating issue!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Mortgage (FHA mortgage) with GUILD MORTGAGE COMPANY (OR).
Issue: Loan servicing, payments, escrow account

Complaint: Being that it is XX/XX/2016, like most people, I pay my bills online through my online Guild Mortgage account. I happened to glance at the XX/XX/XXXX statement that came in the mail which I do n't normally do, since I use the online service to pay my monthly mortgage. When I noticed an amount of {$810.00} on my statement for " Fees & Charges '' with no detailed explanation I called Customer Service to find out what it was for. I was told these were late fees that had been accumulating. I was completely shocked since I have never seen any indication of a late fee when I log into my online Guild Mortgage account. I have discovered that there is absolutely no place in the entire process of paying my bill online in which this amount would be indicated. If I do n't know that I owe it, how can I pay it? It is unacceptable that Guild Mortgage offers online account access and bill payment, yet does not provide COMPLETE account information. Late fees are intended to incentivize on-time payments by monetarily penalizing the account holder. If I do n't know that I 'm being penalized, then I do n't have the same opportunity to change my payment habits to avoid these fees. I have MANY online accounts that I access and pay each month, and in every single case I am provided a full and complete detail of my account balance in my online account. Guild Mortgage is the only exception. It is my opinion that the utter lack of information in my online account is a predatory practice to accumulate exorbitant late fees before the consumer realizes what is happening. 

Additionally, when I spoke to Customer Service on Saturday, XX/XX/XXXX I asked to speak to a Supervisor. I was told that a XXXX would have to return my phone call and that I would receive a call within XXXX hours. It was not until 6 days later on Friday, XX/XX/XXXX that I finally received that call. I was unable to answer the call and the message I received from the Supervisor, XXXX XXXX he did not provide a last name nor did he provide a phone # that I could reach him at ) was that he could confirm that there were late fees, and that I could call Customer Service to verify the dates of those late fees. I was VERY clear in my initial request to speak to a Supervisor that my issue was with the online system and the failure of Guild Mortgage to provide a full and accurate account balance and detail. I waited 6 days for a Supervisor to call me back and not address my issue in any way. Unacceptable. 

I am requesting that Guild Mortgage reverse these late fees and work to update the online account and bill payment system so that their consumers are not being left in the dark. As I told the initial CS rep that I spoke to, I will be refinancing in the very near future, and at this point I will not consider keeping my mortgage with Guild based on my experience outlined above.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Consumer Loan (Installment loan) with Professional Debt Mediation, Inc. (FL).
Issue: Problems when you are unable to pay

Complaint: I was only on the lease of an apartment not the renter, and they have it on my credit report twice as the renter.

Company response to consumer: Closed with explanation