milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/26/2017 about Student loan (Federal student loan servicing) with GC Services Limited Partnership (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have received letters from GC Services Limited Partnership -- - XXXX, MI XXXX and XXXX, TN XXXX -- - dated XX/XX/XXXX and XX/XX/XXXX demanding payment for defaulted student loan ( s ). 
They say they have tried to call me but, if they did, no messages were ever left. 
I have read numerous online reviews by other people who were contacted by this company. The reviews reveal many very serious allegations : Among the problems : > payments that were made to GC Services could not be and were not validated or confirmed -- - one victim was told that her " {$3000.00} was never paid '' ; > constant telephone harassment ( 3x per day ) for 6+ weeks ; > claims that the paperwork they sent was not received by GC Services ; etc. 

I am on a fixed income ; food stamps ; and living in a small, subsidized residence. 
I never expected to be in this situation but based on the many other reviews and my own gut instincts, I do not trust these people and suspect only the worst. 

Please send GC Services a " cease and desist '' notification of some sort. 
Thank you for your attention and consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2016 about Payday loan () with Enova International, Inc. (MD).
Issue: Charged fees or interest I didn't expect

Complaint: Cashnet.com.slowly charges you for both the loan and the fees are not written that each time you draw out money you are charged.but it is not a one charge it also becomes part of the loan which can hike a {$200.00}. loan to XXXX.after you draw out the XXXX.i think that is wrong.and i want out of cashnet. com.had this acct since XXXX.and untillXXXX.i paid for a {$400.00} loan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Shellpoint Mortage, XXXX SC increased my monthly mortgage payment without notifying me in writing or by email. The increase was for the impound account. Dates were XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX late payment are reflected on my credit report. However, my typical monthly payment was deducted from my account on XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Once I understood that increase I paid all the back amount due. My report should not reflect their incompetence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2016 about Mortgage (Other mortgage) with Specialized Loan Servicing LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I received, yet again, a letter XXXX/XXXX/XXXX from Specialized Loan Servicing requesting proof of insurance ( which they already had on file ). I went to the expense to fax and send certified mail on XXXX/XXXX/XXXX the discharge of my first mortgage - since they already had both proofs of insurance. I received another letter from SLS on XXXX/XXXX/XXXX requesting proof of insurance ( which they already had on file ). I, again, went to the expense of faxing and sending certified mail on XXXX/XXXX/XXXX. I then received a letter from SLS stating that they purchased insurance on my behalf and were charging my account {$950.00} and another {$140.00} for insurance that they had no right to purchase in the first place as they already had copies of both insurance policies on file since XXXX XXXX. I have been harassed by this company every year for proof of insurance which they 've had on file. XXXX and XXXX always send copies of dec pages to mortgage holders. Every year they try to purchase insurance on my behalf and charge me an outrageous amount. In New Jersey, it is illegal to force a consumer to purchase more insurance than necessary.

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 02-07-2018 about Debt collection (Credit card debt) with Altisource Portfolio Solutions, S.à r.l. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of identity theft due to 2 breaches ofc my information one in XX/XX/XXXX and the next XX/XX/XXXX. XXXX cards were taken out in my name 2 of them. I reported this to XXXX and XXXX XXXX the credit card company. XXXX found it was fraud on both cards in XX/XX/XXXX I believe it was settled. XXXX told me that the bills XXXX kept billing me would stop it didnt they are still sending these bills. I have now been put into collections. I had provided XXXX with the police report and ft c report. They ignored synchrony findings

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 10/27/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I paid my Macys credit card bill in full on XX/XX/XXXX. I did not personally make any charges, either online or in person, between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received a statement in the mail from Macys showing and outstanding balance due of {$1100.00}. These charges were made in XX/XX/XXXX, in XXXX XXXX XXXX and XXXX, NJ. Both of those locations are 3 + hours away from my home. Neither my husband nor I were in XXXX or XXXX, NJ on the dates that these charges were made, nor did we make ANY charges to our Macys account in XX/XX/XXXX. I have the actual, physical credit card still in my possession, so someone stole the NUMBER and not the CARD itself. On XX/XX/XXXX, I called Macys and CANCELLED THE ACCOUNT and requested a Statement of Fraud affidavit, which they said they would send via email. I then learned that additional fraudulent charges had been made between the statement closing date of XX/XX/XXXX and XX/XX/XXXX. The total amount of fraudulent charges made against my account before I closed it was : {$2100.00}. I have made a report to the New York State Police, and also filed a fraud / identity theft affidavit with the Federal Trade Commission. I am writing to the card issuer, XXXX XXXX XXXX XXXX, to dispute the charges as well.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information, which puts me and thousands of other people at risk. I also mentioned I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

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. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: this Account Number XXXX Account Type Installment LoanTerms67Months Date Opened XX/XX/XXXX this account was piad and was never lateXX/XX/XXXX please removed this late

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 01/13/2017 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (AK).
Issue: Loan servicing, payments, escrow account

Complaint: I pay my mortgage in 2 payments every month. The payments are made by the XXXX of the month for the next month 's payment. For example, on XX/XX/XXXX I paid {$950.00} and XX/XX/XXXX I paid {$800.00} for a mortgage of {$1000.00}. I have been communicating back and forth with usbank about fees applied to my account for late fees. Most recently on a call on XX/XX/XXXX I was advised that if I pay in partial payments, even if I pay the full amount before the due date, I am responsible if usbank does not apply the funds correctly from the suspense account. I was quoted, " that is the risk you win into when applying two payments ''. I have reviewed the policies for Usbank and it shows I can make two payments. Is it legal for usbank to hold me responsible for their errors when applying payments from their suspense accounts?

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 12-02-2015 about Debt collection (Medical) with AR Resources, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I contacted the debt collector because the debt should not been report to the credit bureau because my insurance was never billed. I contacted the reporting agency AR resources inc and spoke with a representative by the name of XXXX on XXXX/XXXX/15 at XXXX est. When we began the call XXXX explained what the debt was for. I advised her that this was the hospitals fault because they did not bill my insurance. XXXX then stated that this was not the case the insurance was billed and I was responsible fro the remaining balance. I advised her this was not true because I call the insurance and I was advised that they had never been billed for the service in which I was responsible for XXXX but they had received a bill which I was responsible for XXXX which was something completely different. I advised her with my insurance they would never make me responsible for XXXX when it was only in and out service. She then proceeded to tell me I was speak on something I knew nothing about. I tried to explain it again thinking that she maybe did not understand me but she then said I was cutting her off. I asked to speak to someone else she told me no and proceed on with what she had to say. I let her finish and after she was done advised her again I wanted to speak to someone else she said sure and she was getting me to a supervisor in which she just sent me to the supervisors voicemail I let a message and have never heard anything back in regards to my complaint. I called back again and XXXX must have know it was me from caller ID because I was repeatedly hung up on. I finally got another representative explain the same situation and she said they did try to bill the insurance in XXXX but did not get a response back so she took down my insurance information and stated that it could take 30 to 45 days to be completed. I just did not understand why XXXX could not give me the same service I have never had anyone speak to me the way she had.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX, I financed a XXXX XXXX XXXX XXXX through XXXX XXXX XXXX In XX/XX/XXXX, my car was wrecked. After my car was being repaired, I was waiting for rental car reimbursement from insurance company ; the repair shop placed a mechanic lien on the vehicle. During the time, I was waiting for reimbursement from insurance company, I was still making payments to XXXX XXXX XXXX so I did not think it was an issue. Once I received reimbursement check I went to pick up my car & was told it was picked up by dealership after mechanic lien. I called XXXX XXXX XXXX to get my car and pay for repair expense, I spoke with someone named XXXX, & was told that he did n't know exactly where my car was because it was on it 's way to an auction ; he would try to locate it & call me back. I never heard anything from anyone @ XXXX XXXX XXXX ever again. I never received anything in the mail via USPS regular mail nor certified letter notifying me of anything such as a deficiency balance letter, Notice of Sale & Right to Redeem, Reinstate Information for Repossession Agency, Notice of Seizure/Inventory List Vehicle Condition Report Proceeds or Sale documentation. Initially it was listed as a repossession on my XXXX credit report, after I disputed the information it was changed to a charge off with a balance of {$15000.00}. Transunion and XXXX are still reporting repossession. I have requested validation through all 3 credit bureaus without resolve.

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 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: FromXX/XX/XXXX To XX/XX/XXXX I wasXX/XX/XXXX in XXXX XXXX XXXX California. All charges/purchases/withdrawals/activity on my debit cards and my credit cards. Including my Kohls credit card. I did n't make my first purchase untilXX/XX/XXXX I did not spend nor authorize Anyone to have control over my cards while I was in the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Debt collection (I do not know) with Sarma (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Threatened me over the phone, and have repeatedly called and harassed my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Closing on a mortgage

Complaint: XXXX XXXX, XXXX I received a form letter that my mortgage was payed off. It is now XXXX XXXX and I am still waiting for a duly recorded satisfaction of mortgage.I have called Chase several times only to be told that there is an issue with the chain of title but after 18 months it should have been resolved. The XXXX XXXX XXXX tells me that they reject the submissions because the are not complete.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Debt collection (I do not know) with HCFS Health Care Financial Services, Inc. (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: ARS - listing debts I do not owe - asked for validation - they did not provide - these were removed from my credit reports three years ago - Now they all popped up on my reports again - I 've sent them another request to validate - they did not do so. I sent this information to XXXX - they refuse to remove the non validated item for the second time.. - They removed it the first time - once ARS fails to validate and the credit reporting agencies - ( XXXX, XXXX, XXXX ) remove the notation, because ARS failed to validate and violated the law, then how in XXXX do they put it back on my credit report again?!? Can I sue them for this?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: As of today, XXXX XXXX, XX/XX/2015 I have XXXX inquires that I " DID NOT '' initiate. The inquiries are on all XXXX credit bureaus reports. I have not applied for any credit since XX/XX/XXXX My credit reports should be free of inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 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: On XX/XX/XXXX I went on XXXX XXXX and it stated a message that I may have been effected in recent breaches and to put in my info to check and see. Once I did that it stated just by my email which I use for everything I was affected by 3 breaches which makes sense because I have been getting unknown inquiries from sources that I dont recongnize. Its really scary to know Im not protect by the 3 credit bureaus. I called back at the beginning of XX/XX/XXXX but got the generic message of inquiries being factual and no actual work was put into investigating the inquiries and ultimately removing them. My score has plummeted since then because I have over 40 inquiries and I have not authorized quite a few of them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have informed XXXX that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want XXXXXXXX XXXX to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of XXXX XXXX Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

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 explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Between
mid-XX/XX/XXXX and XX/XX/XXXX Equifax experienced a cybersecurity breach. The company discovered the hack on XX/XX/XXXX. On XX/XX/XXXX the company made it known that the intrusion may have affected around 143 million U.S. customers. Names, Social Security numbers, birth dates, addresses, driver 's license numbers, credit card numbers, and dispute documents with personal identifying information were accessed.
I learned about it the next morning, today, XX/XX/XXXX, and learned from Equifax that my personal information may have been accessed. I have finally completed steps for securing my identify after an anxious and stressful day. I hope that the steps I have taken are sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Debt collection (Other debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The company Fair collection & outsourcing has been trying to collect on a debt for an apartment that I paid to the apartment complex, I have sent several letter to Fair collection & outsourcing asking them to send me documentation showing that I owe the debt and if they are licensed to collect in my state. I looked them up on the website in they are not licensed to collect. They have failed to comply with what I was asking. They did not update my credit report showing in dispute.

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 09-07-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint: On, Thursday, XXXX XXXX, 2017, at XXXX XXXX I contacted J P Morgan Chase, regarding an excessive amounts of NSF fees resulting from items that electronically attempted to debit the account. I have a total of total of 15, but I was only disputing 12 and one Extended NFS fee. Chase charges {$34.00} per NSF fee for which they are charging me a total of {$400.00} and an additional {$15.00} for an NSF extended period. I attempted to inform JP Morgan Chase that I had emergency XXXX back in XXXX of 2017. I was unable to communicate with them or any other institution in regards to payments as I was hospitalized. I called JP Morgan Chase and explained my situation, but Customer Service was only willing to reverse three. I mention that would I take responsibility for three of fifteen they as those where authorized, however the others where unauthorized. They told me that as a courtesy they could only reverse three.
I am asking JP Morgan Chase to understand that I was hospitalized and certain events happen without intent ; their {$420.00} in fees can greatly help me pay my mortgage this month. XX/XX/XXXXwas a bad month which was unforeseen and as a result I 'm loosing money I can truly use to get back on my feet.

Company response to consumer: Closed with monetary relief