milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2015 about Debt collection (Federal student loan) with ConServe (AL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Conserve has been calling my number since XXXX stating that I owed a student loan for {$3900.00}. They indicated that I could be placed in a repayment plan and after XXXX months, another provider would take over and I would be out of default status. At that time, I started paying {$150.00} per month. They still called constantly requesting financial info such as pay stubs, XXXX and XXXX form. They called once and stated that I needed to start paying {$1600.00} per month on this loan. I told them that I could not afford this. They continued to call and call. They then stated that I needed to pay {$900.00} per month which I stated that I could not afford. All the while, they were drafting {$150.00} per month. At XX/XX/XXXX, their XXXX XXXX indicated that I was never really in a repayment program, when I asked why they drafted my bank account monthly if I was not. She started lying at that time about how I needed to pay more. Then XXXX XXXX started calling me and stated that I need to submit more financial documentation and that my payment would be $ XXXX monthly which I agreed to. The XXXX payment due XX/XX/XXXX. On XX/XX/XXXX, I received my pay check and that Conserve had my check garnished. I called XXXX and she asked like she knew nothing of this and stated that she needed to speak to her manager. She came back and stated that if I made payments along with the garnishment, that after a XXXX months, they would stop the garnishment. I told her that was ridiculous because my check was garnished {$450.00}. I stated that the loan was only {$3000.00}. She stated that I now owed {$5400.00} which is ridiculous. She then stated that they would offer me a XXXX settlement of {$4200.00}. This company has lied, took money illegally and was deceitful. Conserve has unfair collection practices. I called the Dept of Ed about this and they stated that any actions taken was not by them nor order by them but it was done by Conserve only. They did n't know where the increase came from and had no knowledge of how Conserve was handling the accounts for them, They redirected me to Conserve which is a waste of time since they violate all of the Fair Consumer Act. Conserve needs to made to answer for all of their collection practices. The New York XXXX has numerous complaints regarding this company. Please help the consumers who are being harassed and deceived daily by Conserve. When I questioned XXXX XXXX why I was not notified about the garnishment by them, she stated that they mail a letter to me on XX/XX/XXXX regarding this. I asked what address was it sent to and she then gave my current address. I told her that she was lying about this because I purchased a new home in XX/XX/XXXX which is the address that she stated. I was not living at this address in XX/XX/XXXX. When I stated this she became belligerent and wanted to argue with me at which time I discontinued the call.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with GOLDMAN SACHS BANK USA (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Recently the Federal Gov't fined Goldman Sachs {$5.00} XXXX. How do consumers file claims to get reparations.

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 11/17/2015 about Mortgage (Other mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Application, originator, mortgage broker

Complaint: Mortgage loan process with SunTrust Mortgage began on XXXX XXXX, 2015. Contract specified 60 days to close. Due to numerous delays, as provided in the attached documentation, closing was delayed by 14 days. Additional expenses were incurred as a result of inefficient communications between me as the consumer and within the SunTrust mortgage organization, a two week time frame in which the application just sat on the desk of the both the loan processor and the underwriter, submission of blurred copies of vital XXXX forms when clear copies were originally submitted with the loan application ; submission of appraisal documents that were not in compliance with XXXX requirements when the correct documents were available, and a completely disjointed closing process that resulted in further delays. These expenses are detailed in the attached letter and supporting documentation. While the XXXX program is designed to help those who need 100 % financing to secure decent, affordable housing, the process SunTrust employs to evaluate these loan applications could be considered discriminatory against those who are economically and educationally disadvantaged in our area.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (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: Claims is for a total of {$420.00} from two different merchants. 

I stated to bank that I had people confirming the package was not received and they did not care and stated that it could not be used.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been trying to contact Equifax and the companies involved about these inquiries on my credit report but im not getting anywhere.When someone open an account in my name it was Equifax, XXXX or XXXX job to see the red flags. I have 40 inquires with Equifax and I 've called over and over to have them remove but lately because of their breach. I cant seem to get anyone on the line. Anyways I 'm writing again to let someone know that the following inquiries were not made by me ... 

XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXXInquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX   Inquiry from XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have an auto loan with a company that i have never been late on and they are showing a 30 day late pay on my credit report. I paid the amount that was due over the phone and they assured me that it was on time and not late and would not report as a 30 day late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Equifax has been deleting inquiries off my report due to errors and then reinserting these inquiries without legal notifying me of what they have done. I called their customer service number to have all these inquiries removed via section 611 of FCRA about having to be notified within 5 days of any changes to my report but they would not listen to me even though I was telling them I was a victim of their inquiry issue. I want all these inquiries removed. These are the inquiries and dates below. 1 XXXX XXXX XXXX/XXXX/XXXX 2 XXXX XXXX/XXXX/XXXX 3. XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5.  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 6XXXX XXXX XXXX XXXX/XXXX/XXXX 7. XXXX XXXX XXXX 8. XXXX XXXX XXXX/XXXX/XXXX 9. XXXX XXXX/XXXX/XXXX 10. XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (VA).
Issue: Problems when you are unable to pay

Complaint: American General Finance of America , Inc. formerly CREDITTHRIFT OF AMERICA INC and formerly XXXX XXXX XXXX NO. XXXX ( Employer ( Tax ) Identification Numbers : XXXX | XXXX | XXXX | XXXX ) intentionally altered account numbers and filed numerous lawsuits in the Commonwealth of Virginia by using third-party debt collection agency or law firm, when it never had the right to bring forward a lawsuit when it used its former entity name on the lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Other debt) with Franklin Collection Service, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: This is a formal complaint about inaccurate information being reported on my credit report. Under the law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - FRANKLIN COLL . - Account type- COLLECTIONS. **I am disputing this account for inaccurate information. I had sent letters on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX to FRANKLIN COLL, did not hear back from them on both occasions. XXXX is reporting negatively on my Credit files and they all need to remove them immediately. FRANKLIN COLL information is fraudulent and inaccurate and that they need to remove FRANKLIN COLL IMMEDIATELY FROM all MY CREDIT FILES, I have not heard back from XXXX or FRANKLIN COLL. As of XXXX/XXXX/XXXX, FRANKLIN COLL is still reporting negatively on my all three credit files. I want this deleted immediately from XXXX credit files Now. I am getting no answers. The last report date of the account was XXXX/XXXX/XXXX so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Student loan (Federal student loan servicing) with NELNET, INC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: After graduating from XXXX XXXX 2013, I was accepted at XXXX XXXX University with XXXX GPA. One year and a half later, due to family medical issues, my parents had to remove me from XXXX XXXX University. I tried to into a community college, but due to our debts at XXXX XXXX, they would not release my transcripts. My Dad saw an ad from the XXXX XXXX XXXX, stating if a student enlists in this service, their loans will be paid, and they will receive a bonus after completing XXXX and XXXX XXXX. This turn out to be an outright lie. Now over two years in the XXXX XXXX XXXX, proper training for XXXX, have not been granted to me. The recruiter officer, advised me and my parents, I will get $XXXX per month for XXXX XXXX, my bonus of $XXXX  after XXXX, and payment for my student loans, which never happen. So far it took one year for the XXXX XXXX XXXX to pay $XXXX, with most taken out in taxes. Six months ago, I sign up for XXXX XXXX XXXX in the XXXX and still waiting for my release papers. According to Nelnet, I have a student loan balance over $16,000.00.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I submitted disputes on my credit report with XXXX, XXXX and Experian onXX/XX/XXXX. I  included all required information to prove my identity including my driver 's license and a current electric bill. All 3 companies sent me letters stating that they needed more proof of my identity before they could do anything. On XX/XX/XXXX I sent all 3 companies a copy of my driver 's license, a copy of my social security card and a copy of a letter from the post office showing my change of address along with my disputes. Once again they have sent me letters requesting the same information from me that I have already supplied them with such as, ID, Social Security Card and proof of address. My letters were very clear and I believe this to be a stall tactic on their part to allow the creditors that I am disputing to have more time and keep these items on my credit report.which is a clear violation of my rights as a consumer. This is keeping me from getting a mortgage because they are n't doing their job properly. Please look into this because this is hindering me from doing a lot.

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 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: my XXXX XXXX account ending in XXXX has no delinquency ( must not have any ), i have disputed this with the creditor and they have fixed this problem and removed the error, therefore the bureaus must remove this as soon as possible, i need have this removed as soon as possible and they are giving me a very hard time, XXXX XXXX letter ( attached ) specifically mentioned this error, i need your help to have the bureaus remove this inaccuracy 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 09-04-2015 about Bank account or service (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (AZ).
Issue: Account opening, closing, or management

Complaint: I want to create a situation to safely pass along my account to my daughter and nobody will comment on how to do it. They say I need 3rd party legal advice and 3rd party legal advice only knows so much. I want to know risk and terms regarding the ending of my account when I pass away and nobody answers those simple questions. I want to know if a debt holder could find out about my giving my account to my daughter who has unpaid debts, but nobody will answer that simple question as to what the bank will show in any availability to debt holders. 

I am widow of retired XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Mortgage (FHA mortgage) with Selene Finance LP (CT).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I applied for mortgage assistance through our lender, Selene Finance, on XX/XX/XXXX. Our mortgage company contacted us yesterday, XX/XX/XXXX to tell us that we have been denied and that the reason for denial is that we do not make enough money to get assistance. We were told that our investor, XXXX XXXX, had made the decision to deny us ( which is untrue because it says right on the XXXX XXXX website that they are only the guarantor and do not make decisions of this caliber ). When I asked for the phone number for XXXX XXXX so I could call them, I was provided with the XXXX phone number and was told it was the HUD phone number. My husband and I have been going through some serious mortgage issues since about XX/XX/XXXX and every time we 've gotten close to having our issue resolved, our company has been seized by the government and we 've been transferred to another lender which has forced us to begin the entire process from scratch each time. We currently owe about {$240000.00} on a house that is only worth about {$150000.00} and we were looking for " HAMP '' style help to reduce our principal. My husband and I both work full time and we are both veterans. How is it possible that we do not make enough to receive assistance? If we made more money, we would not need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Making/receiving payments, sending money

Complaint: I was recently scammed and Bank of America is holding my liable for the sum of {$47000.00}. They closed my accounts and took all of my money in checkings account and savings account even after explaining to them that i was scammed. I have no money to my name and no way of paying this amoung.

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 01/29/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: During the year of 2014 from XXXX thru XXXX. I was making monthly payments to Green Tree Servicing LLC for my home mortgage. In XXXX 2014 I received notice that Green Tree was foreclosing on my home for not making payments. I was able to stop the foreclosure by signing a loan modification. Green Tree did not give me credit for the payments I made from XXXX thru XXXX even after I provided bank statements show them that the monthly payments were made. Since this problem started Green Tree changed names and now go under the name of Ditech Financial LLC. I was told by Green Tree and Ditech that those payments should be retuned, but to this date I have n't received anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I filed a CFPB complaint # XXXX against XXXX XXXX bank for an outstanding negative balance in my account. I have not heard a response from XXXX XXXX within the 15 day window allotted by the CFPB. During this time of waiting for their response to my complaint. My account was turned over to a collection agency " Credit Collection Services. '' I am filing this complaint for CCS not doing a due diligence in checking my account standing with XXXX XXXX and my current complaint status with the CFPB.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (WI).
Issue: Unauthorized transactions or other transaction problem

Complaint: On XX/XX/XXXX, I authorized a PayPal purchase from XXXX XXXX in the amount of {$86.00}. Previously learning from a PayPal representative that I must manually go into my account to switch the payment method from my checking account BACK to my preferred method of PayPal Credit, I did so, so the purchase would post to PayPal credit. When I checked my bank account, PayPal had deducted the purchase from my CHECKING. Upon calling PayPal because I knew I manually switched the payment method to the credit option, the representative confirmed that I did go in and change it, but PayPal switched it back because, basically, THEY wanted to. PayPal negated my choice and just took money out of my checking account without the authorization from me for this purchase. This is the SECOND time they have changed my payment method without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was the victim of identity theft. The credit agencies are refusing to remove or block inaccurate data as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have been working with Experian regarding a bankruptcy being reported on my credit report. I have requested how the information has been verified. This dispute was originally submitted in XX/XX/XXXX. I have spoken with multiple reps who have informed me that the information is verified via XXXX XXXX. I communicated with XXXX XXXX as recent as XX/XX/XXXX and they have confirmed they have not verified any information regarding a bankruptcy. I have also contacted the US Bankruptcy courts and they have explained they have not verified a bankruptcy under my name.

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 06-08-2017 about Payday loan, title loan, or personal loan (Payday loan) with LENDING CLUB CORP (FL).
Issue: Problem with the payoff process at the end of the loan

Complaint: I apply for a loan online and for the amount of {$1700.00} ; but i called them back and i told them i did not need the loan any more ; and then i told them to please delete my information specially my social security but they said they had to leave my information on fil e for 7yrs. I tol d them i was not happy and i ask them over and over to delete my information and they declined to do so claiming it was a policy. Nevertheless at the time of my application i did not see that policy any were, regardless now they are stating that the federal and state laws require them to keep account information. I did not proceed with the loan process therefor I should not have an account. All I did was just apply and cancel before the process was finalized. In fact I did not even send the documents required. I strongly disagree with there need to keep my information for 7 years. I need some assistance in getting this resolved.. Thank you!

Company response to consumer: Closed with explanation