milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I work with FedLoan Servicing for repayment of my loans. They send me e-mails every month reminding me that I have to make my payment. However, I 've noticed they 're very sneaky when it comes to re-certifying my income based repayments and PSLF status. They sent one single reminder in XX/XX/2016, three months before I was due to re-certify my IBR plan. They did n't remind me at all to re-certify my PSLF plan. I believe these are deceptive and intentional practices made in an effort to A, cause me to lose my IBR payment plan, thereby causing me to have to make a substantial payment or else use forebearance, and B, to keep me from having my PSLF loans dispersed. Otherwise, why give me only one brief notice 3 months prior to a due date and not give any notice at all for my PSLF plan 's expiration? As I said, every month they remind me I need to pay. But when it comes to limiting my payments or alleviating the expense of my payments they are quiet. To me this is a deceptive practice. I should receive monthly reminders up until my plans expire, just as I receive reminders that a payment is due. Because I missed the IBR re-certifying deadline they wanted me to make a payment that was 3 times what my income-based payment plan would have been. Had I not taken my own initiative to re-certify my PSLF plan, my loans would be delayed in being dispersed.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Bank account or service (Checking account) with SCOTTRADE BANK (CT).
Issue: Deposits and withdrawals

Complaint: On XX/XX/2017 I tried to deposit a check for {$13000.00} to my Scottrade checking account with F.D.O. ( For Deposit Only ) on the back of the check. They rejected the check. They said it had to be signed with my signature. F.D.O. is perfectly legal.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax has deleted closed trade lines that would be considered positive, well before the 7-year and/or 10-year reporting time frame. By comparison, Equifax continues to report closed trade lines that would be considered negative. The other credit reporting agencies have continued to report these trade lines despite the fact that Equifax has removed them, without reason, and without being consistent with their other reporting methods. I would ask that Equifax investigate and re-add these missing trade lines to my credit report, since they are younger than the 10-year reporting threshold.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Account opening, closing, or management

Complaint: Bank of America has close my account that I had open since XX/XX/XXXX saying thatMy report from XXXX reads as such : XXXX Il XXXX XXXX XX/XX/XXXX $ -no amount showing or what your report states Transacting or attempting to transact, with a check in a fraudulent Manner, including but not limited to the passing or depositing of Forged, altered, closed account, stolen, counterfeit check, or Non-negotiable item ; the kiting of checks, drawing against insufficient Or uncollected funds, empty envelope ATM deposits, or keying errors.

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 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a Gm XXXX that was recalled because of an EPA lawsuit. When we turned int the vehicle we were told by XXXX not to make anymore payments and that they would make the payment before the due date since they were paying off the loan. We got notice 30 days later that there was a 30 day late payment put on our credit reports. I 've tried to have it removed with the company and the credit reports but no one has removed it. XXXX refuses to fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (VA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: This year I 've been scammed by two different XXXX insurance  companies. The policy numbers exist only within those companies to bill me. There is no actual insurance that can be used. XXXX XXXX and XXXX XXXX. I have pleaded with Wells Fargo and they have ignored my story. Last charge to my debit card was for XXXX dollars. I initiated a dispute and Wells Fargo closed it immediately. They stated that I did not cooperate. They ambushed me at the branch on the phone in an unprofessional and completely inappropriate way that prevented me from handling the situation. Both of these companies are real, yet neither providing a usable policy. Wels Fargo claims that my purchases are protected from fraud and clearly that 's a lie and false advertising.

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 monetary relief
Consumer complaint received 04/20/2017 about Student loan (Non-federal student loan) with DISCOVER BANK (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I Have a loan with  discover student loa ns, when I left college to obtain a job I did not know how much the monthly payment would be, I turned out to be  XXXX  dollars like other recent grads I was astounded by the monthly amount. I asked for lower payments and they allowed me to file a payment relief but soon denied me without even sending me a letter stating why. It 's very disheartening to have over half of your monthly income taken by student loans. I am now almost 120 days late on my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (TN).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: In XX/XX/XXXX, I settled a debt with XXXX XXXX. The debt was initially sold to XXXX XXXX XXXX, XXXX. I have received threatening phone calls regarding unpaid debt, and as it stands, this is the only account in collection ; a violation of FDCPA. I am to believe this debt collector has outsourced their call center from numbers not associated with the debt collector. Not only that, the debt has been re-aged and appears to have gone into collection in XX/XX/XXXX instead of XX/XX/XXXX. I am requesting the item be immediately removed as a result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: For the last 9 months charges ranging from {$1.00} to {$21.00} were taken from my account! I talked to people from the call center floor all the way to th e CEO 's office  to redeem these charges! They refused to recover the charges! I am filing this report to let you know how they treat their  XXXX  customers! I am a  XXXX    XXXX   patient that is hospitalized quite frequently! Chase Bank decided to tell me that this is not their fault! I should have paid more attention to my bank statement! I am trying to recover overThousands of dollars that was taken from me that  Chase refuses  to refund to me due to their 60 day policy! I only get, {$960.00} a month! There are to many charges to list in this case!

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (Other debt) with Altisource Portfolio Solutions, S.à r.l. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had an account with XXXX XXXX XXXX XXXX XXXX. They were billing me on a monthly basis. I was not satisfied with t he service and attempted to cancel the service. They continued to draw money out of my account. I cancelled the credit card and that was being billed. Three months later they called me to try and collect for a past due amount. I told them at that time that I wanted to cancel and then they told me that I was in a contract and could not cancel. I had never agreed to that. I told them that I did not owe them and that I wanted to cancel. 

I received a call last week from a collection agency called XXXX XXXX XXXX trying to collect on this debt. I explained to them the problem and they stated that they will continue to try and collect. I have now received a letter from the requesting payment. m This debt is not valid and I want them to remove it from my credit report and also stop all forms of communication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Other

Complaint: Dear Consumer Representative : Capital One Bank is sending me pre-approved application for a credit card. I 'm getting the mailings on a weekly bassis, mean while everytime I 'm being denied a credit card. Also, the director is mailing me a personal letter and never approve. I would like to know what is going on and get approved. 

Sincerely, XXXX XXXX XXXX/XXXX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Debt collection (I do not know) with D2 Management LLC (MD).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: The company called my number today, XXXX XXXX, 2017, through one of their different trunk numbers and did not leave a message. Someone then called my husband 's telephone ( my husband is not listed on any of my bills except household ). They told him that they were not calling in reference to a debt and that it was for another issue. I called back the same number that called us and the woman who answered the phone stated that they " litigate '' for different companies. When I XXXX the company, they are listed as a company that buys debts from payday loans, etc. then tries to collect. 

I spoke to someone from this company some time ago and requested that they present me with documentation from the debt I supposedly owed, to which the girl stated that she had all of my information in front of her and would not provide anything in writing to verify the outstanding debt. She continued to press me to set a payment arrangement, to which I continued to ask for written proof of the debt. 

This is my second report on this company. 

They also would not give an address where written documentation can be sent.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I have a home loan with Caliber Home Loans. It is for my home in XXXX XXXX, LA. I currently live in XXXX, NC and was not able to sell my XXXX XXXX home for 11 months but then was able to rent it. 
I lost my job on XXXX. I contacted Caliber on XXXX XXXX. 

1. After receiving their Loan Modification package in the mail, emailed the entire package to them on on XXXX XXXX. 
2. I received a request for more documentation and submitted it on XXXX XXXX. 
3. I received a request for more documentation and submitted it on XXXX XXXX. 
4. I received a request for more documentation and submitted it on XXXX XXXX. 
5. I received a request for more documentation and submitted it on XXXX XXXX. 
6. I received a request for more documentation and submitted it on XXXX XXXX. 
7. I received a request for more documentation and submitted it on XXXX XXXX. 
8. I received a request for more documentation and submitted it on XXXX XXXX. They have 30 days for their underwriters to review the package. This request was about 27 days into the review. Their request was for the mortgage statement for my other home. 

The multiple submittals noted above have truly appeared to be a stall tactic on their part. I have also called their offices no less than 24 times, trying to get information. 

The last status I obtained was on XXXX XXXX, telling me that my application had been denied. I am still unemployed and actively looking for a new job. 

I would be happy to share all of the details, which I have maintained. 

As a side note, the other mortgage that I have with XXXX, had the loan modification completed on XXXX XXXX. They requested two submittals in total. I had contacted them the same day I contacted Caliber.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (NM).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had a few collections on my credit report and after I looked into them, to find out what they were about, (  XXXX   XXXX  ) I found out the address they had was an address I was at for a very short period of time. I never knew I owed money and after calling the original creditor (   XXXX   XXXX   ) I found out they indeed did not have my correct address and she also mentioned they had the wrong number for me at the time. I was told they would remove the collection from my credit report if I paid the collection agency ( Around  XXXX   XXXX  ). I called the collection agency  ( Transworld Systems ) and told then  what I was told by  XXXX    XXXX   billing dept and they sad " sure if they (   XXXX   ) agreed to remove it we can ''. On  XXXX   XXXX  I paid Transworld for both of the collections  ( One  for {$70.00} and the other for {$230.00 } ).  I, after this filed a dispute with the credit bureaus because the collections show as paid but not removed. I received the dispute results from   XXXX   the collection company is still not removing it. They show it was paid but did not remove it even though I was told it would be removed since the address was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I noticed unauthorized charges of over {$4000.00} taken out on my checking acct after returning from a 4 day stay in XXXX, NV. i reported them quickly to XXXX XXXX. 
I filed claims and was checking on the status daily for close to XXXX weeks. Several times i was told by superiors that the following day my funds would be credited back in my account. I dont believe that the bank would even allow that amount to be taken out of my acct.in one evening. I had to get authorization from them to once withdraw {$400.00} in one day at an atm. But yet they allowed over {$4000.00} to be taken. 
What happened to exceeding the daily limit to protect me. This is clearly an error on their part. But B of A is denying my claim. They have never reached out to me. I know this from getting updates from calling them, daily. They XXXX XXXX my pin and XXXX werent stolen, im responsible because the chip was used at every transaction. I explained how the card and pin were left in my vehicles glove dept. I valet parked at least 6 times that evening. 
I took out a car title loan to help us through our hard times. Now i have no electricity for over 10 days now. All my food spoiled. My water is getting shut off today, all because i cant pay my bills because my funds were taken. No credit was ever issued back to my acct. I did not take that money from my acct and regret ever depositing it. XXXX are my rights. I know im being taken advantage of. 
Sincerely, XXXX XXXX https : XXXX I filed two complaints on the XXXX & XXXX of 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 monetary relief
Consumer complaint received 11/30/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: My Ocwen Loan Service Company is playing games with my home and wants me to pay for it after my husbands death ( XXXX 2015 ) and will not do a refinance, so I can keep my home and continue to make payments by remodifing the home loan. It has been in the works for since XXXX 2015 for the loan modification, which they keep staling to do so I could keep my home. please help me to get this cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (Medical debt) with Kinum, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: This debt is a MEDICAL DEBT COLLECTION.  This should be removed from my credit report immediately.XXXX XXXX XXXX - XX/XX/2017 - age: 5 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (TX).
Issue: Trouble during payment process

Complaint: I have a 20 year conventional mortgage that is being serviced by PNC Mortgage. I wanted to make an extra, principal-only payment on my mortgage, of {$30000.00}. I logged in to my PNC Mortgage account, and found an option to make a payment. But, there was no option to make a principal-only payment. In the small print, it says " How is the Payment Amount applied to my mortgage? ". When I click on it, it says, " Funds received will be applied to principal, interest and escrow ( if applicable ), satisfying as many full monthly payments as possible. Additional funds received will be applied to outstanding fees and then to additional principal if your loan is current. '' I think this is completely wrong, that they do not give you an option to make a principal only payment, and that they automatically just make as many monthly payments as they are able to with the extra funds. This benefits the bank, and costs the consumer, because the consumer ends up paying much more in interest than they otherwise would. 

I suspect that most consumers do not realize the difference that making an extra payment, to PRINCIPAL ONLY, can make to their equity and how it reduces the interest over the life of the loan. 

I called PNC Mortgage to see if there was a way to make a principal only payment online, and I was told that there is not a way to do that. So, I ended up mailing a check, and wrote all over the check " PRINCIPAL ONLY '', so hopefully it is applied properly. It has not cleared yet.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (VA).
Issue: Application, originator, mortgage broker

Complaint: I have been harassed, threatened and charged fraudulent fees by a company ( OCWEN Mortgage ) that I do n't even have a mortgage with currently they are demanding that I pay them for insurance they supposedly purchased because I refused to make them loss payee on my homeowners policy. This all stems from this company acquiring my personal data from a paid off mortgage ( HELOC ) that I had previously with XXXX Bank. XXXX sold my mortgage when they went out of business to XXXX XXXX. I did n't want to do buisness with XXXX so I paid ( overpaid actually ) off XXXX XXXX Apparently, XXXX was in the process of selling off HELOCS to OCWEN and that is how they got my info. They assumed a credit balance of {$75.00} which was an over payment to XXXX Before I ever heard from them at all I began receiving robo calls from them demanding that I immediately remit " Zero dollars and zero cents '' immediately. That went on for weeks until I found the CEO of OCWEN MORTGAGE 's home phone number and began calling him. I have contacted them repeatedly for the first year and told them that I did not have an account with them and never would do business with them for any reason. I also demanded that they refund the credit balance that I overpaid to XXXX XXXX. The next year they began threatening to " purchase insurance to protect my loan '' ( which did n't exist ) and that it would " cost more than if I purchased it myself ''. By then I had stopped even opening the XXXX or XXXX documents then sent me every month for the past 3+ years. The lien on my deed has never been removed even though there is no balance remaining from the paid off, always pays as agreed status of that loan. This company is nothing but a criminal enterprise. At a minimum I want the deed to my property cleared. Jail time for the criminals that run that scam would be nice, and I would cooperate in anyway I can but that would be a bonus.

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 Experian Information Solutions Inc. (VA).
Issue: Problem with fraud alerts or security freezes

Complaint: I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or XXXX in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing an unacceptably lax job in the first place. Thank you for taking time to read my complaint.

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 08-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The cable account closed from XXXX is wrong, I moved out from that apartment since 2007, did they use the cable account in the next tenant or something like that?, please investigate. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Recently Equifax reported that its system was hacked affecting millions of Americans. The company, whose investors made millions, is offering only a minuscule compensation that too which costs it nothing - free credit monitoring. I believe that it 's is really a slap on consumers face since we do n't have a choice as to who monitors my personal financial information. They must pay $ $ $ in compensation. They must be fined by the agency as th solution does not fit the crime.

Company response to consumer: Closed with explanation