milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-07-2017 about Student loan (Private student loan) with HEARTLAND PAYMENT SYSTEMS INC (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: This is just a continued general complaint about the company that services my loan, XXXX XXXX. Accomplishing anything with them is always a process. 

I am taking class through my employer and it put my loans in deferment. I called to ask to just continue to pay anyway. They could n't do that over the phone. They led me online where I should have been able to do it. Their new website is awful, and not user friendly. I could not find what I needed to check even after being given step by step instructions. Eventually, they did it for me over the phone, but why was n't that just offered upfront since we had gone through all the security clearances. I am afraid its an attempt to keep the balance higher to recoup the most interest money possible. Very shady. 

Today, I got an e-mail about getting my tax documents delivered electronically. This is ideas, so I went to sign the form online. It would not work, so I talked to customer service. I told them I did n't know my student ID as I have been out of school now for a few years, but I had filled in the SS #. Apparently the form would n't let me submit without. I was told they could not access it ( but how are you using it as a check then? ).  The they said I should be able to see it on my promissory note. One problem, remember that awful website? It would let me access. They say it 's because of an ad blocker but I disabled it AND tried a different web browser. THEN, I realize I am already in electronic delivery. They were in my account, but no one was like oh you already do that, so you 're good. 

Overall, I think this company is awful and not serving the best interests of student, and should be looked into. All I am trying to do is pay my loans on time, and they keep making it more difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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: On XX/XX/XXXX, I contacted XXXX about an unauthorized inquiry that was pulled on my account on XX/XX/XXXX, I received a response back stating that they will contact all the credit bureaus and have the unauthorized inquire removed, to this date it has not been removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Vehicle loan or lease (Loan) with CITIZENS FINANCIAL GROUP, INC. (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: My Boat loan is through Citizens Bank of XXXX XXXX and had extensive damage during hurricane Irma. My insurance company immediately issued a check for the repairs on XX/XX/XXXX for  {$22000.00} dollars. Because of the lien on the boat I sent it directly to the Citizens bank of XXXX XXXX explaining the status of the boat and how important it was for immediate repair and requested that the check be be returned to me as soon as possible. I followed up on the the status of the check a week later and was told that they could not tell me the status even though I provided the USPS tracking number. I called again numerous times and was never given the status. Finally, after 6 phone calls on XX/XX/XXXX I reached a loan officer that told me I would not know when the check would be returned until the bank chairmen 's meeting. The bank has now had the insurance companies check since XX/XX/XXXX  The supervisor could not tell me when the meeting would be and not to call the bank again .... the bank would call me. Meanwhile I have a boat in XXXX XXXX that has only temporary repairs and could be severely damaged and possibly lost with even a moderate storm.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Checking or savings account (Checking account) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: I started a gym membership with  XXXX   XXXX . I was detailed out of town fo r 60-days, and since the gym membership was {$140.00} per month, I tried to cancel my membership. The manager said that I could not cancel my membership in person, and could only do so by sending a certified letter with 30-day notice. I did thi s in  XXXX . I also asked my bank to stop payment. In early  XXXX  the bank stopped the payment, but  XXXX  used a different company nam e ( a vari ation ) to withdraw the payment. I filed a claim with the bank, but they said there is nothing I can do. I called the manager at  XXXX  and demanded they stop, and they said that I would have to send another certified letter. I filed a fraudulent claim with the bank, but the bank reports there is nothing they can do if  XXXX  uses a different name.     I am not authorizing them to withdraw money from my account. They must stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Problem with fraud alerts or security freezes

Complaint: Prior to XXXX XXXX announcement, TransUnion had a link to freeze their credit easily. After XXXX/XXXX/XXXX, they change the link and now are trying to hide the link behind their " monitoring system. '' This is disgusting that they are taking advantage of people trying to freeze their credit. This is a service that should be provided for free, after all THEY are the one who messed up.

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 07/21/2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: this not my account

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 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: Old information reappears or never goes away

Complaint: Today, XX/XX/XXXX I received an email from XXXX XXXX that a collection account had been placed on my Equifax Credit file. The company name is XXXX XXXX. I disputed this account because I did n't have a contract with this company and I never did business with them. The collection account was removed from my file and now Equifax has allowed them to place this account back onto my file without by law notifying me within 5 days. This account needs to be removed and this company needs to be sanction for improperly places accounts onto consumers files. Please investigate Equifax and make them aware of these are unlawful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Closing/Cancelling account

Complaint: I opened a secured credit card account with capital one with {$3000.00} of which they pulled from my checking account. They used XXXX Bank as an automatic clearinghouse. They open and closed the account numerous times for what they considered fraudulent activity. I myself along with a representative from the IRS numerous times faxed over and validated all the information they needed, they then would reopen the account let me use it for another three months and then close it again. I continually pay my bill over and over again to the cost of over {$18000.00} in just six months. They then close the account permanently even though I had overpaid the account by an additional {$800.00} owing me at that {$3800.00}. The supervisors told my bank that they would have this money back to me and apologize for any inconvenience that they have caused. I have yet to see anything and when I called to follow up they said I would have to wait and they 're going to take it up there Board of Supervisors and get back to me. My checking account is ironically with capital one 360. Which used to be ING direct the capital one has purchased and I guess is rolling over into just Capital One Bank eventually. This will be a sad day the Capital One is able to conduct even more business on any bank in level. I am also able to obtain affidavits from XXXX Bank as well as Capital One 360.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NAVY FEDERAL CREDIT UNION (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I communicated with them and explained my inability to pay. After I explained I could not pay, my accounts were frozen. They would not allow me to change my direct deposit ultimately allowing them to liquidate my account to satisfy my loan payments. I finally was able to change my direct deposit and once they did not have access to funds they began calling me for collection. I further explained my inability to pay the amounts they asked for. I began getting back to back calls. Once I blocked the XXXX number they were calling from, I began getting calls from a local XXXX XXXX XXXX area code number. They also got data from a 3rd party source because they began contacting my mother. She was not listed on my loan, she did not co-sign for it, nor was she listed on any of my accounts as a verified contact. She got calls on her cell and at work. I sent a letter asking for them to cease communication with all of her numbers ( work, work extension, and cell ) along with mine. The calls continued for another 3 months until they charged of the 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 07/28/2016 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (NM).
Issue: Problems when you are unable to pay

Complaint: I financed a car from Prestige Financial approximately nine years ago. The car was repossessed about five years ago. I had a balance after the car was sold and Prestige was going to garnish my husband 's wages. I settled with Prestige for approximately {$2000.00}. After about one year Prestige started contacting my family telling we needed to contact them. When I contacted Prestige they said I had left a balance of {$200.00}, and because of interest they would settle for {$1000.00}. I told them I was not going to give them any more money because I believe they were a predatory lender. I started a new job and I got a notice Pestige was going to garnish my wages. The payroll department stated Prestige was going to garnish my wages until I paid {$3000.00} back. I feel this company is being extremely unfair at this rate. I will never get them paid back. The money they taking from me is making it extremely difficult to make a living.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Debt collection (Medical debt) with Emerald AR Systems, LLC (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I contacted emerald Ar Systems inc around  XXXX  regarding the balance of  XXXX . I asked them to negotiate this amount based on a affordable settlement offer. This collection agency failed to renotify me of this debt and also failed to come up with a settlement offer based on the fact i do have a pre existing condition that needs further treatment for the rest of my life based on a accident i had back in the year of  XXXX . No one contacted me by mail or by phone regarding this account. I did my part by contacting them and trying to negotiate this matter so it was affordable and paid in full.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Closing/Cancelling account

Complaint: On XXXX XXXX 2016 I was incarcerated ( I will attach documentation from XXXX XXXX Jail ) for a period of 4 months. My children were left in the care of XXXX friends of mine as my parents are deceased. I left them with over five thousand in cash to take care of my children and bills for this period of time. None of my household bills were paid, luckily I had paid my mortgage for a year ahead in payments. During this time they rifled through my room, stole my parents wedding bands, children 's savings bonds and some tools. They also located several credit cards. They proceeded to max all of these cards out and the ones they did not use ( store charge accounts without a master/visa logo ) were closed due to the damage caused to my credit score, which fell from a XXXX to a XXXX. Upon my release I took the appropriate action of filing police reports, disputes and fraud complaints. A few were resolved quickly and in a positive manner, though there was little I could do about the closed charge accounts. However after providing all the reports a few of the cards have given me problems, now 2 months after my release I am taking further action to try and obtain satisfactory results. I 've had enough after spending countless hours on the phone and dealing with collection calls for charges I did not make and that did not go to the care my children! I worked hard to build my credit and have done my best in the last 3 years to make my payments on time. This whole situation has been sickening. 
As a result of the a fore mentioned actions I had several store charge accounts that were closed, even though they had either a zero balance or a small balance. The reason given was inactivity ( due to my incarceration ) and a change in credit score due to the fraud that was committed. These accounts were backed by Synchrony bank. The only account that was resolved through them ( Synchrony ) was my Wal-mart card ( which did have a payment made on it and then the people who committed the fraud asked for a credit line increase ) and the card credit line was restored. However my XXXX XXXX Tj Maxx XXXX XXXX XXXX, Toys R Us XXXX XXXX XXXX were all closed. While incarcerated I had a small remaining balance on my XXXX and had some late charges, I paid this off in full XXXX and they still refused to open my credit line and stated I would have to reapply which would only hurt my credit score more. Since they restored my Walmart card I have used it and made my payments on time as I did before my incarceration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Consumer Loan (Vehicle loan) with U.S. BANCORP (CA).
Issue: Managing the loan or lease

Complaint: on XXXX/XXXX/16, I did bill payment from XXXX XXXX serve to U.S bank for auto loan in amount of {$370.00}. XXXX XXXX serve account show my payment was clear on XXXX/XXXX/16, However U.S bank still not received this payment according to U.S Bank. I been call the Both XXXX XXXX and U.S bank almost 2 months regarding this issue. 
Still not resolve. please help me to resolve this issue. 
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 08-10-2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I want to file a complaint against Select Portfolio Servicing Inc . The company 's mailing address is Attn : Loan Resolution Department, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. I applied for a mortgage loan modification in XXXX 2014. I have called this company each month since XXXX 2014. I am repeatedly asked for verification of salary, income tax return forms and bank statements. I have received XXXX letters from this company never specifically stating the status of my modification application. The letters received from the organization only state that correspondence was received from me. This company has numerous complaints against it on several consumer complaint web sites. My mortgage was sold to Select Portfolio Servicing Inc. by the orginal lender which was XXXX Mortgage company. Each telephone conversation I 've had with this organization resulted in vague and very cryptic conversations with representatives who never provide straight answers to straight questions. As mentioned before, I have never received correspondence indicating any status on my mortgage loan modification or what stage from beginning to end is my application in. This company provides terrible customer service. The representatives give the same information over and over again. I 've written a letter to the Board and CEO of the company with no direct response. Just correspondence vaguely stating that correspondence was received by the company from me. This entire process has been unprofessional. This company will not record " specifics '' in their correspondence to me pertaining to the modification. My goal is to successfully complete the mortgage loan modification process. I can not believe how this company does business or why it has been allowed to get away with doing business this way for so long. I am requesting assistance from your agency in this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (AZ).
Issue: Adding money

Complaint: I have not recieved my deposit from XXXX, i was supposed to get it last Friday and as if today no deposiit. I have XXXX. I can not get my medication to XXXX. I am running out of electricity, no food. And all I get from Rushcard is we are working on it. What am i going to do. I am hoping i do not end up in the hospital.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-06-2015 about Student loan (Non-federal student loan) with AES/PHEAA (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: American Education Services of XXXX, PA had been servicing my private student loan until I paid it off in full in XXXX of 2015. This loan was paid off many years ahead of schedule, I never missed a payment, nor was I ever late with a payment throughout the entire history of this loan. I know this as fact since I am in the military and my payments were made through my financial institution before the loan was paid and closed out. I have monthly bank statements to prove all of my payments were made in full and on time. After producing a payoff amount of over {$62000.00} which is over twice the amount of the original loan, I noticed the loan was never reported as paid in full to the XXXX major credit bureaus ; however, a missed payment of 30 days was showing on XXXX credit bureau files, and a 30 - 60 days past due payment was showing on the third file crippling my personal credit rating. Needless to say, the impact this has had on my credit, and my ability to obtain a mortgage has been devastating. To make matters worse, every attempt I have made to contact AES and discuss this issue with them they refuse to acknowledge the error, nor would they correct their mistake after I submitted supporting documentation. With no other alternative, I contacted all three major credit bureaus : XXXX, XXXX, and XXXX. Each bureau contacted American Education Services on my behalf and attempted to resolve this issue, none of the agencies were able to gain any cooperation from AES. Each credit reporting agency told me they were powerless unless American Education Services directed them to make a change to my credit file which AES stubbornly would not do. AES would not speak with me and the credit reporting agencies on a conference call. AES stated it was against their policy to go on the record regarding such matters. ( I have spent my entire life protecting their 's, yet they think nothing of ruining mine and my financial records due to negligence ) XXXX reported the account as late right along, ( which is false ) then after it was paid off they reported it as open and current, then AES came back to them and instructed them to change the status to closed BUT was 60 not 30 days past due! Although this information is completely false and all after the fact XXXX did exactly what AES had instructed them to do. ( probably because AES pays them a fee ) I have not been able to right this wrong through the channels I have followed thus far. The credit agencies XXXX and XXXX also refuse to change the status of this account as paid in full without delinquincies because American Education Services is calling the shots since they are the paying customer regardless of the consumer 's rights under the law. I am hoping the CFPB will work with me to cause AES, and all XXXX major credit reporting agencies XXXX, XXXX and XXXX to enforce the law and protect my rights as a consumer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Debt collection (Medical) with GLA Collection Company, Inc. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been called repeatedly for these debts. They are all for the same issue and they have n't sent just XXXX bill. When you go to this place they send XXXX different bills so its difficult to know what you 've paid and what you have n't. They also got the money from my insurance and now want more. They call repeatedly. leaving no voicemails from different numbers and I have n't been able to come to a resolution for a amount. There the main reason my credit is so messed up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: i paid my {$42.00} bill and they keep calling me about 6 times a day when i tell them im at work and can not take calls.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hi i sent letters with the past XXXX month to all three credit bureaus and have not got back any response.

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