milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/22/2015 about Credit card () with DISCOVER BANK (TX).
Issue: Transaction issue

Complaint: When I was late with payment to Discover, a representative called and got me to schedule a payment on my next regular payment date. Still underemployed, I ca n't afford to make the payment this month. The Discover web site says " Payments made online or by phone must be edited or canceled by XXXX XXXX on the payment posting date for changes to take effect. ". Since I arranged this payment by phone, I assumed I would be able to cancel the scheduled payment on the payment posting date, but the representative claimed she could not cancel it. Now I 'll have to pay my bank {$35.00} to stop payment. The information from my bank details this payment as " Phone Pay '' The following is transcript of chat with representative : XXXX : at XXXXXXXXWe submit the payments electronically to your bank on the date the payment is scheduled for. Once submitted, your bank takes over the payment and depending on how they process the payment will determine when the payment will hit the account. We do not have control over this. 
you : at XXXXXXXXThe web site says " Payments made online or by phone must be edited or canceled by XXXX XXXX on the payment posting date for changes to take effect. '' I find it hard to believe this payment ca n't be edited or cancelled also, since today is the payment posting date. 
XXXX : at XXXXXXXXYour payment was scheduled by a representative, not through the website. 
you : at XXXXXXXXThat does n't explain why you, a repersentative, ca n't cancel it. 
XXXX : at XXXXXXXXThe payment has already been processed. Once processed, they can not be canceled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-01-2017 about Debt collection (Other debt) with ERC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I discovered this account on my account. I have never received a notice for the right to dispute. I have no knowledge of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Spoke with XXXX customer service XXXX XXXX, XXXX XXXX, and XXXX XXXX pertaining to the fact that the balanced owed to XXXX is XXXX and XXXX is reporting on my cbr that I still owe them. XXXX was paid XXXX XXXX, XXXX ... Please see attached acknowledment for XXXX that loans were paid. 

Loan opened XXXX/XXXX/XXXX in the amount of {$5500.00} XXXX Current balance {$5900.00} Loan opened XXXX/XXXX/XXXX in the amount of {$3500.00} XXXX Current balance {$3700.00} Loan opened XXXX/XXXX/XXXX in the amount of {$1500.00} XXXX Current balance {$1700.00} XXXX currently are reporting that I owe {$180000.00} in loans - inaccurate ... 
XXXX currently are reporting the balance owed as {$170000.00} - correct amount ... 

XXXX wants to continue to state that it 's the cbr agencies fault and the reporting agencies refer me back to XXXX when I call. I am needing for this to be corrected immediately ... To date XXXX/XXXX/XXXX the above mentioned loans are still reporting as owed to XXXX in addition to these loans have been now ALL consolidated with XXXX my other student loan servicer. Meaning the loans are being reported twice. My debt ratio has increased unnecessarily an additonal XXXX plus. 

I moved the loans simply because XXXX has handled my accounts poorly since XXXX and do not take any ownership when they make mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Student loan (Non-federal student loan) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XXXX XXXX, 2015 I was told i could get my loan deferred upon summitting my military orders. I received notification that my deferment request was received. Apparently during that time i was still being billed to the wrong address, so i never received anything notification regarding making payment. On XXXX XXXX, 2015 I was told they sent out multiple letters for additional information regarding my deferment but i was never called. Now my credit score has decreased significantly because it shows that I am now delinquent and past due on payments which should have been deferred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/27/2017 about Debt collection (Credit card debt) with CAVALRY INVESTMENTS, LLC (MI).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Contacted the company on XXXX/XXXX/XXXX to dispute no contract signed with company, this company is not licensed to collect debt in Michigan. I need this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Debt collection (I do not know) with Convergent Resources, Inc. (VA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I am on the DO NOT CALL REGISTRY yet I received a call from " Convergent Outsourcing '' regarding debt collection, but my credit history is excellent. The number they asked me to call is XXXX. After looking on the internet, I see a lot of people have complained about this number as well. Please do something about this organization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Was not notified before going this was submitted to go to court, nor do I know what the collection is referenced to. The court order allowed this law firm to get payment directly from my bank account and had in fact depleted my son 's savings account to which I have not a clue as to how they were able to get his account number.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Hello I attended XXXX in XXXX Florida for XXXX XXXX years. While attending school I received student loans and a few pell grants. I was told that as long as I was attending school my loans were not due and no interest would be added. After graduation and trying to find a job in my field I started getting letters stating I was behind in my payments. I tried on numerous occasions to call and get help with this matter. I asked could they defer my payments and I was told yes only later to find out that did n't happen and the interest was getting higher. I have called and called over the last few years to only get told there 's nothing to be done. This is not right and I will continue to call and seek justice because I have did all I know to do to try and fix this issue. I wil continue sending in complaints and calling until this matter is resolved. I asked about income based repayment and was denied because I did n't qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I requested a Security Freeze from Equifax twice because I was a victim of ID Theft. I am also a senior citizen. They have failed to place a security freeze and send me a pin. I sent in XXXX 2015 and XXXX 2015 and when I call they just try to sell me monitoring or try to make me pay for the security freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (MI).
Issue: Loan servicing, payments, escrow account

Complaint: PHH created fraudulent loan history to force foreclosure/eviction on us, we 've proven payment for the loan of {$15000.00} PHH wanted us to sign, we paid XXXX Bank in cashiers checks, we did not owe PHH. We are missing {$35000.00} in payments, all cashed by PHH. I have proof of all of this..we were also part of the {$6.00} XXXX settlement only for PHH to foreclose/evict anyway, PHH did not follow the NJ XXXX stipulation to apply all our payments, remove fees and bring us current. PHH " somehow '' managed to evict us ... someone is on the take, payoffs, something is WRONG here, how could we pay and still get evicted???? PHH took our credit, our money, our home, our chance for retirement and our lives ... I want it back!!!!! I have many documents to prove theses statements including an offer from PHH for {$50000.00} over the redemption cost ( we were denied redemption ), and we had to sign an agreement to not sue, be part of a lawsuit or hold PHH accountable in any wrong doing. PHH evicted us while I was completing XXXX treatments ... .can you say scum of the earth? PHH needs to be held accountable for what they have done and are continuing to do to homeowners. We had trouble from the day we signed our mortgage, we were never in a modification, did n't need one..we needed PHH to apply payments they cashed. We had no problem paying our payments.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (OH).
Issue: Problems when you are unable to pay

Complaint: ally auto repos the vechile within XXXX month of being deliqent of XXXX car payments, after a month prior they agreed to put me in forbarance. The manger refused to listen to previous recorded calls unless requested by attorny.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Payday loan, title loan, or personal loan (Title loan) with Mid-Atlantic Finance Co., Inc. (MI).
Issue: Problem with the payoff process at the end of the loan

Complaint: They repossessed my suv this morning and it 's paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: AFNI has put on my credit bureau for XXXX XXXX XXXX XXXX about owing {$450.00} which was settled XX/XX/XXXX and proof of this was sent to XXXX XXXX XXXX but it hit my credit report from this company as if it was done just XX/XX/XXXX. Which is not true. Also this company has called and left automated messages that have left my account number on my family 's answering machines with no company name or phone number to call back. no phone number comes up on caller id either. I have pulled my CBR and it shows that this company is not even reporting. I have placed disputes on my credit bureau for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I was promised a credit for the XX/XX/2018 interest by multiple Walmart/XXXX XXXX reps over the last 3-4 weeks. Then when I check the site, nothing happens. I contact Synchrony and they give me a form letter and explain fees to me. I understand the fee process and I don't need the form letter. I was promised the credit for the XX/XX/2018 interest in the amount of {$100.00} and they refuse to live up to this promise! In addition, the response I was given by a XXXX XXXX XXXX, stated and I quote " We attempted to contact XXXX XXXX but were unsuccessful ''. Well, I have ZERO record of a phone message from this person and only got an automated response from her in an email saying she was looking into this. I was never contacted after that and that statement is misleading and false.

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 02/15/2018 about Debt collection (Federal student loan debt) with CL HOLDINGS LLC (DC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: reply : i'am reporting a dispute against this company as fraud this account is not my account however it's very much incorrect this info also it's has been many complaints on this company on my credit report on this date XX/XX/2016 with this amount of {$940.00} this action was taken by this company : may action be taken?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with NELNET, INC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am requesting { again } all activity regarding my loan from its inception in XXXX through today. 

I have received some information from this company, but not everything I requested. Also, the dates on the spreadsheet are completely out of sequence ie XXXX, XXXX, XXXX all mixed together. 

Please send everything IN CHRONOLOGICAL ORDER so I can unravel it. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have several XXXX XXXX XXXX accounts that were opened in XXXX and closed in XXXX. I always had a good payment history with XXXX XXXX. Recently I checked my Trans Union credit report and it showing negative reporting on my XXXX XXXX accounts. I would like this information to be updated correctly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Closing on a mortgage

Complaint: On   XXXX   XXXX   XXXX  , I was noticed of the following from the  I.R.S.  : " Per our records  XXXX   XXXX   XXXX  received {$300000.00} in cancellation of debt from SPECIALIZED LOAN SERVICING,  LLC  -  XXXX .  XXXX   XXXX   XXXX   XXXX  's cancellation date occurred   XXXX   XXXX   XXXX  . '' and " Per our records  XXXX   XXXX   XXXX  received {$300000.00} in cancellation of debt from SPECIALIZED LOAN SERVICING,  LLC  -  XXXX .  XXXX   XXXX   XXXX   XXXX  's cancellation date occurred   XXXX   XXXX   XXXX  . '' I did not execute any debt instruments in favor of Specialized Loan Servicing, LLC ( "  SLS '' ).   My husband  XXXX   XXXX   XXXX  did not execute any debt instruments in favor of Specialized Loan Servicing,  LLC. It i s an impossibility for SLS to have purchased debit instruments that comport with the debt forgiveness figures SLS reported to the I.R.S.      XXXX   XXXX   XXXX ,  XXXX  has no authority to report to the I.R.S. that it cancelled debt on   XXXX   XXXX   XXXX  , relating to my social security number, nor my husband 's social security number.     Apparently,  Specialized Loan Servicing, LLC used  my identity and my husbands identity in a fraudulent scheme to take tax deductions to which it has no right, and to harass me, my husband, and my family.

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 07/20/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Credit determination

Complaint: I contact Capital One to Report my Credit Loss the representative XXXX indicated when she put in my social security number nothing comes. Can you please tell how that so when I have credit with Capital One. Pleas review Capital One system and check for my Credit Card and make sure they working within the Federal Regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OR).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: I enrolled using my GI Bill and somehow ended up with a XXXX loan out of the deal. I did n't know much about the whole college thing when I went in and had thought I made it clear to my counselor that I did n't want to incur any debt. Now I owe on some education that never even benefited me due to a debt that I never asked for. The counselor told me the GI Bill would pay for everything. I signed some paperwork but I did n't know it was for a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: We financed our new home in XXXX 2015 with XXXX XXXX with reasonable assurance that our mortgage would n't be sold. In XXXX, JP Morgan acquired our loan and we began paying XXXX. I received notice today that XXXX XXXX Administration and Reporting will be our new servicer starting XXXX/XXXX/2015. That 's XXXX days notice and we only paid XXXX XXXX before our loan was sold. We have had bad experiences with mortgage servicers in the past who increased our mortgage payments greatly to cover escrow shortfalls through the year. It seems wrong that the owner of our mortgage can sell it every two months.

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: 1 ) When we were offered our loan modification, we were given just one day to go over the documents, sign, and return them ( I have email proof of this ). This did not give us time to seek help in understanding the terms of the agreement. Therefore, we ended up with a balloon payment not really knowing what that meant. If we did n't sign right away, we would have just made all of the trial modifications for nothing and lost the house at that point. We worked so hard for over a year trying to get this modification, we signed not really understanding what we signed. I ca n't believe that it is legal to give borrowers 24 hours to sign such important paperwork. 

2 ) When our renters were unable to make timely payments on the property, we fell behind. I contacted the mortgage company to make a repayment arrangement. I was told to fill out a complete modification package, and then received notice that I was denied. When I was finally able to speak to someone about this, I was told that I did n't really need to fill out all of that paperwork and that they had requested it by mistake.The denial letter was for a modification, which I did not request. I had requested a PAYMENT PLAN to catch up. At that time, I requested a repayment plan over the phone, was given an apx. amount and was told I would be sent paperwork. When I did not receive paperwork, I tried multiple times to reach my point of contact, but was never able to get her, or even that department. I never received an actual amount, or date, to pay.No paperwork no call, no email. I then received notice that I breached the terms of the repayment plan! I never received any terms!! How can I breach something I did n't even see, sign, or know about?? 

3 ) I am never able to get a hold of anyone in their Home Retention Department. Despite calling at their advertised open hours, I am put on hold, transferred, told that they must have left for the day, all the while never getting the information that I need. I am always told by customer service that they ca n't help me and that I need to call back. 

After all of this, I want to sell the home. But, because of the balloon payment that was not explained to us, we wo n't be able to get enough out of the home to pay off the new loan amount. I am afraid to deal with Carrington directly, as I have had nothing but issues with them, as you can see. 

We have been swindled!

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: I am writing about an issue that I faced with bank of America account. Thsi happened on XXXX XXXX, 2017. I was being scamed for XXXX dollars. I met someone on facebook who was interested in renting my apartment. So for an initial advance for {$200.00} dollars i gave them my account number. Next, i heard that she transferred me XXXX instead of XXXX and wanted her money back. I transferred her the money back as i thought that is the most ethical thing to do ( I agree that this was my fault ). Next she told me that the money I transferred bounced back and when i checked my BoFa account and yes the money was returned to me as a credit adjustement. Therefore she asked me to transfer again and i did. Next day on XX/XX/XXXX, I checked my account and there are no sign of themoney that she initially transferred. She obviously pulled it back and i knew i lost XXXX dollars. My problem started when I asked the BoFa customer personnel about the credit adjustment that I was seeing in my account which in the first place made me transfer an extra XXXX dollars to that first. Bofa customer person told me that it is from a claim that i initiated for a ATM deposit. I told them I never initiatedany such claim. So we tried to tarck who initially filed that claim. We came to know that someone impersonated me and called BoFa and filed that claim. This is a clear case of identity theft and fraud. But bank of america is not considering this as a fruad and not takinh any action to get me atleast the {$2000.00} that i only paid because i saw that credit in my account. After some more digging, I came to know that some one ( a male ) called bank of america ( though I am a female and solely hold the account ). The person was able to identify himself as me by giving my account number ( i gave for initial transfer ) and date of birth ( from my XXXX profile ). He failed multiple time to identify himself on the type of account, last deposit as well as the CVV number ( because he never had that info ). BoFa should have stopped him there and atleast had called on the cell number associated with the account to confirm the activity. They never called me but the customer agen XXXX XXXX escalated the case to her manager XXXX XXXX and she gave him what he wanted. I feel Bofa was very negligent while dealing this case and now they are not even accepting the fact that it was there mistake.

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