milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-02-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have student federal loans that are handled by the XXXX XXXX program. In XXXX XXXX, I started work with a nonprofit company that qualifies for the public loan forgiveness program. Therefore, in XXXX XXXX, I called the XXXX XXXX program to consolidate all my loans ( totaling {$330000.00} ) under them so that I could qualify my loans in the public service loan forgiveness program. I specifically talked with the loan counselor to help me enroll in a qualifying repayment plan. I was assured by their counselor that the plan to which I was consolidating qualified for the public service loan forgiveness program. The counselor enrolled me in the graduated repayment plan. I have paid every single monthly payment on time, totaling just under {$46000.00} in all. 

In XXXX XXXX, I submitted an employment re-certification form, and only then was I notified that the plan I had been paying to each month did not qualify for public service loan forgiveness and that I would have to start all over again. Therefore, at least 23 payments of about {$2000.00} each month would not count toward loan forgiveness. They stated I had no recourse, but to reapply for the right program.

This is absolutely and inarguably unfair. I would have qualified for private loans that have a much lower interest rate than what I have been paying ( 6.625 % ), but staying in the public service loan forgiveness program made more financial sense at the time. 

Last month, I did apply for the income-based repayment program, which they state qualifies for the public service loan forgiveness program, but I very much believe that the previous 23 months should be counted as well.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Consumer Loan (Vehicle loan) with UNITED AUTO ACCEPTANCE (GA).
Issue: Managing the loan or lease

Complaint: THIS COMPANY IS REPORTING THAT I CURRENTLY HAVE A CAR LOAN WITH THEM AND A VEHICLE THAT IS PASSED DUE FOR THE LAST 5 YEARS. IVE CALLED AND VISITED THIS LOAN COMPANY TO GET THIS MAJOR INACCURACY RESOLVED BUT THEY ARE GIVING ME THE RUN AROUND WHILE STILL SEVERELY AND ILLEGALLY DAMAGING MY CREDIT. NOW NO ONE IS RETURNING MY CALLS. I DO NOT HAVE A CAR OR LOAN FROM THIS COMPANY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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 received my credit report from Equifax on  XXXX / XXXX / 2017  confirmation #  XXXX  after filling disputes regarding items on account. The updated Reinvestigation report received showe d SEVERAL it ems that had been deleted from my credit file. Then I received another report from Equifax dated  XXXX   XXXX ,  2017 , confirmation #  XXXX  that showed the items that had been updated and deleted back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In 2015 I decided to pay off all debt. I contacted each collection agency. I made payments to RPM in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX, I received a letter from another agency attempting to collect the same debt at the original amount. I told them I paid XXXX already. I was told to contact the collection agency that I paid. I did. I disputed the amount they told the other agency. After 30 mins. I was told they never processed my payments and that the 3 checks were mailed backed to me and the fourth one he would return to me once they got it. That was almost 3 month ago. I have not received a dime back. I 'm out of my money and I 'm at risk of suffering damages as I must pay to have the money sent back to me or pay a daily fee after a year if the money order is not cashed. The new company does n't care the information is inaccurate they just want the payment. I have called many times. They leave me on hold for 10-15 mins and then never come back to the phone. 

I feel this company should have processed my payments because they did not close my account until XX/XX/XXXX ( they already received 3 payments ). They never mailed my last payment back. If it was given to another company the correct amount should have been credited. My credit report was affected as it shows the wrong amount. 

This is defamation of my financial history and failure to report my disputed amount and the correct amount. Please help. I want my bills paid off but I 'm out of money and still owe the incorrect debt at no error of my own. 

Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: We represent a XXXX senior of limited financial means. On his behalf, we sent a letter to this creditor requesting no further contact of any kind. The creditor has continued to send monthly statements and demand letters to our client at his home address. By continuing to communicate with our client directly rather than through us and after receiving his request for no further communication, the creditor is violating Section 805 ( a ) ( 2 ) and Section 805 ( c ) of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Bay View loan bought my loan From XXXX on XXXX 2015. 
I had automatic payment. Bay view services includes an extra charge of {$300.00} every month ( no reason ) they told me screw for taxes and insurance. I provided with all the insurances policies posibles ( I pay extra XXXX year for it ) my taxes ( those were included on the mortgage. 

They are scan..stealing my money.. I do n't know what to do. 

XXXX XXXX XXXX XXXXprorperty address:XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Bank account or service (Other bank product/service) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Using a debit or ATM card

Complaint: On XX/XX/2017 shortly after XXXX I checked my citizens bank checking account. I noticed a charge in the amount of {$1200.00} as pending. Because I did not authorize such a transaction I called the Citizens Bank customer service which informed me that there was a debit card transaction for the said amount processed at XXXX on Monday XX/XX/2017. I told them that I did not authorize any such payment and that this was a fraudulent transaction and if they could please stop it. Customer service told me that they will not stop this fraudulent transaction, that the charges were initiated by XXXX, and if I wanted I could call the XXXX to stop the transaction but they did not have a phone number for XXXX. I then called the fraud prevention department of the Citizens Bank. The representative told me essentially that they will not stop the fraud, and I was welcome to file a complaint with police. 
I did no given my debit card number or in any way or shape authorized XXXX to charge my account. My card was always with me. It is very likely that XXXX illegally obtained my debit card number, its expiration date and security code either by breaching the security system of the Citizens ' bank but most likely obtained these information through a corrupt employee ( s ) of Citizens Bank. By refusing to stop this fraudulent transaction as it was happening, the Citizens Bank enabled the fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX    XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , Mn  XXXX   XXXX  had  XXXX  inquiries on my credit report and all of these were not authorized by me and if they say they are can you please provide me with a copy of the signed and dated credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. and to be remove from CheckSystem Please send me written confirmation that I am not responsible for charges on this account, and a police investigation is in progress take the appropriate action and remove my information about this account from my credit file. I File A Police Report and XXXX XXXX Wont Still Remove This Account And Investigaion was Filed againts XXXX XXXX XXXX 2017 and XXXX XXXX Denied The Investigaion and Claim that Some Voice Calls Match Mines and is False Statement and they are not going to Reinvestigate this account and that the charges will remain on my checksystem report.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Equifax did not properly protect their databases and as a result my personal information was compromised. The breach was discovered in XXXX XXXX and Equifax did not notify the public until XXXX XXXX. 150+ million adults were impacted which is almost 70 % of the adult population. The credit check industry is a scam and a conflict of interests for consumers. You can not have a company offer services to protect your credit as well as be the gatekeeper to your credit information. There is no incentive to protect your credit when they make money off selling protection services.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Payday loan () with POPULAR BANK (NY).
Issue: Applied for loan/did not receive money

Complaint: sent XXXX XXXX XXXX XXXX XXXX XXXX sent XXXX XXXX XXXX XXXX XXXX XXXX in cash advance to receive a XXXX loan reinbust of XXXX total of XXXX threw XXXX wanted me to send more money of just about XXXX per pick up to receive funds on XXXX XXXX XXXX 2015

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I purchased a car in XX/XX/XXXX for approx {$12000.00}. I have a loan through my bank, XXXX XXXX XXXX XXXX, and I have been making on time payments for two years. This is not reflecting on my credit report. I have dealt with my bank for the past 6 months, at which they are telling me it is out of their hands, and has to do with the Credit Bureaus. I contacted Equifax and I was told it was my banks fault. My bank tried contacting Equifiax, and they said they are unresponsive. I have worked very hard to have this loan and build credit. I have invested a lot of my time and energy into addressing this matter, and after a year of not getting anywhere I am now seeking other methods of help to get my loan to show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a contract with XXXX XXXX XXXX. I was set up to have XXXX draft the monthly fee out of my checking account. XX/XX/XXXX I sold my home and contacted XXXX to try and cancel my contract. I spoke to a supervisor and he agreed to cancel the contract. The last payment was drafted out of my account on XXXX XXXX, XXXX. I have not received any calls or a letter from XXXX notifying me of any problems. I checked my Equifax credit report in XXXX XXXX and saw a derogatory report from XXXX saying that I have had several missed payments and the report shows payments being made through XX/XX/XXXX and then since then all my payments are past due. This is incorrect. If XXXX had not cancelled my account then why did they discontinue the monthly drafts from my checking account. I filed a dispute through Equifax but have not received a response. I looked XXXX up online and they have only a XXXX star rating and there are numerous complaints from consumers the same or similar to mine. Why is a company allowed to operate so dishonestly? It is unfair for a company to just be able to ruin someones credit!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/23/2015 about Debt collection (Auto) with Constar Financial Services, LLC (AL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: This company has contacted me when I told them not to contact me during my work hours which are XXXX XXXX to XXXX XXXX. I received a call at 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 05-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I sent this letter t o Citibank for a  dispute that a seller and I agreed upon for the service being provided but after more than 1 month of promising valued service, there were no expected results and the seller try to take off without providing service which is a fraud and a crime. So  Citibank " claims '' to  have sent me a notification to my awareness of responding to the situation, however, I  did not receive any emails ( which I normally do receive especially in response to disputes ) ab out the updated case, so they instantly closed the case expecting my response on  XXXX / XXXX /  XXXX   and reversed the transaction to the fraud seller, therefore me losing the case an  d having to pay the Citibank to a fraud seller.
So a chat representative suggested that I send Citibank a personal typed out mail which I did. I will attach the typed out mail that I sent in the attachm  ents below. I did receive their response to my letter and it was just a repetition of " Since no reply was received by this date, the dispute was closed. '' This did not help my case whatsoever with ALL   the evidence I provided to back up my case and that I was not wrong-doing in this situation. Citibank has helped a fraud seller gain and helped me lose. There was no consideration of the evidence that I provided for Citibank to reconsider. It was not my fault that I did not receive ANY emails from them for updated disputed cases.
Please allow Citibank to acknowledge the fact that they are helping frauds who do n't provide services to get away wit  h these cases which make their system very flawed.     Thank your reading.

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 04-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MRS BPO, LLC (MA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: This company is a 3rd debt collector trying to collect the same debt. That is not the problem, how ever they are calling me every other day and up to 5 times a week at different times a day and night. Every day, every week, every month since XXXX XXXX. Its a recording of the same information, " This is XXXX XXXX of MRS Assois, calling about a debt, please call XXXX '' then it hangs up. Since XXXX of this year. 

Before that, The XXXX debt collector was XXXX XXXX XXXX, XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX back on XXXX XXXX, XXXX then the debt was giving or sold to XXXX, XXXX XXXX, XXXX, XXXX XXXX which was on XXXX XXXX XXXX Then again the debt was sold or given to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX as of XXXX XXXX XXXX and now this NEW debt collector now has the debt. The debt has been sold, charge off, or given to other debt collectors for the past XXXX-3 years and i do not know who really is the REAL collector of said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (NY).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Hello I am confused. I have already spoken with multiple parties about this company and I was already updated that I do not need to have any interaction with these people. I am being told very rude and out of line things that " I do n't know what I am talking about '' and a " XXXX XXXX '' cuts me off and does not listen to anything that I am saying. I did my research and made my phone calls. I should not be receiving any phone calls from this company. I do n't know where these people graduated from but my intelligence level ca n't be low neither can the rest of the companies that I have spoken to about these people. Stop calling my phone number. I do not owe your company anything. 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 04-04-2016 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (VA).
Issue: Using a debit or ATM card

Complaint: I am submitting in regard to case number XXXX I had already filed a complaint and gotten a response. The XXXX bank done what they needed to do after investigating the initial complaint ( XXXX XXXX, atm didnt ' give money/filed all proper disputes/etc ) and they had responded saying that they had keyed in a credit thru their processor to American Express ( which is the card I had used at the atm ). Well, American Express has closed my card without my knowledge first and now I am wondering how I am supposed to get the credit that was keyed back in to my card?

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Bank account or service ((CD) Certificate of deposit) with SYNCHRONY FINANCIAL (SC).
Issue: Account opening, closing, or management

Complaint: I have XXXX savings accounts and XXXX CDs at Synchrony Bank. Interest for all accounts in credited on the XXXX of each month. My account statements also cut off on the XXXX of each month. I view my statements online at the bank 's website, Synchronybank.com. The bank has not been able to produce any statements for the month ended XXXX XXXX, 2016. The activity for individual accounts can be viewed online. The CD accounts show a credit dated XXXX XXXX with the caption " Transfer Int to Acct '' but the amount has not been added to the account balance. There are no entries for the transfer of that interest to my savings account as is the normal process. The bank blames the problem on a new system that is not working. They continue to ask for patience. I have too much money deposited at the bank to continue to be patient.

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 12/29/2016 about Student loan (Federal student loan servicing) with MOHELA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Mohela does not allow automatic payments ( i.e. of interest incurred ) during deferment stage of loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had to drop XXXX of XXXX classes at XXXX due to the death of my grandpa ( whom I took care of ). The one I did n't drop was an online class. XXXX did charged me the full amt for the XXXX classes, which I disputed but ultimately paid. Apparently Penn Credit was provided the information to attempt to collect this debt for a commission while I was in dispute proceedings with the school automatically since the debt aged and automatically was provided. I paid XXXX directly the amount owed, and I porovided proof to Penn Credit a couple years ago. However Penn Credit is now attempting to charge me for {$70.00} worth of fees, and have not been able to provide any documentation or proof of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Student loan (Non-federal student loan) with NELNET, INC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been paying on my private loans for 8 years now without ever missing a payment. According to my financial history as provided by XXXX XXXX XXXX, I graduated with {$26000.00} in private student loan debt. To this day I still owe {$25000.00} on my private student loans. According to those numbers I have only paid off less than {$1000.00} on my private loans in 8 years of on time payments. How are they calculating interest on these loans? I am having a very hard time believing that I 've only paid {$990.00} on these loans in 96 months of paying on them. This is clear fraud!!

Company response to consumer: Closed with explanation