milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-08-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: After being on the IBR repayment plan for nearly 5 years, the REPAYE repayment plan looked like an even better option for myself and my wife. Both of us have Subsidized and Unsubsidized Consolidation Loans with FedLoan Servicing, and both of us are XXXX pursuing Public Service Loan Forgiveness. We applied for REPAYE XX/XX/XXXX, got approved on XX/XX/XXXX, but since then nothing has changed. Our payments remained the same, except that we just got notice that now we have to pay nearly double our payments. Mine went from XXXX to XXXX, and my wife 's went from XXXX to XXXX. This is a total increase from XXXX to XXXX ( up XXXX or a 65 % increase ). Both of us have emailed twice ( XX/XX/XXXX, and XX/XX/XXXX ), and neither of us got a response the first time, and the second time I got a response simply stating to keep making my payments and it all should work out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I decided to switch income-based repayment plans after consolidating my loans, as the new REPAYE plan would mean a lower payment. My student loans are from XXXX - XXXX University - and XXXX - University XXXX XXXX XXXX. The application asks if the borrower 's loans are in forbearance, and I answered " no. '' This is because, when I applied, my loans were not in forbearance. 
As part of the application to switch income-based repayment plans, however, borrowers may request a one-month forbearance. The reason is that borrowers in an income-based repayment plan must be in standard repayment for at least one month before switching plans, and they may not be able to afford a standard repayment plan payment for that one month. 
I requested the one-month special forbearance. 
FedLoan Servicing, my loan servicer, denied my request for a new repayment plan because I answered " no. '' They approved my special forbearance first, and then because my loans were in forbearance when they processed the new income-based repayment application, they denied the request for answering wrong on that question. 
When I called, the customer service specialist said this was a common issue, and I had to submit a new application answering " yes '' on that question. 
I think this is misleading and unfair to borrowers. When they answer the question, they are answering correctly when they say " no, '' as the loans are not in forbearance at that time. To deny for that reason alone, automatically, and to force reapplication is unduly burdensome.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Student loan (Non-federal student loan) with Genesis Lending (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX XXXX XXXX CA. 
I believe I have a Genesis loans from XXXX colleges and would like to know if I was included in the CFPB settlement. 
My Story below!! 
I have a loan with Genesis XXXX. My loan was part of the closing of XXXX college. 
I was one of the many student 's with XXXX college of XXXX Ca when they closed their doors and filed bankruptcy. 
Leaving all of us stranded with with no where to go. I was taking classes XXXX and was suppose to graduate next year so I though. Now my mom and I are left owing Genesis Lending money without me even being able to get my education. I personally feel we should not be liable for the mistakes and fradulent loans that was given out XXXX. 
We where unaware of what was going on. XXXX got the loan not us. I just wanted to get an education so I can better my future but unfortunatly that will not be happening. Could you please assist me with getting this loan adjusted on XXXX my accounts along with my mom who is the co borrow. Thank You

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: During the month of XX/XX/2018, I submitted a request for a Goodwill Adjustment to my credit file and the following response is being submitted as my request was unreasonably denied based on the circumstances surrounding my request : Made several attempts to return phone calls to the company. On each occasion received voice mail message. Left messages for a return call. Never received the same. In any event, my request was for a simple deletion of 1 late payment of 30 days. My unforeseen circumstance was presented with documents verifying the same. The death of one 's spouse is a very devastating event and this was the sole reason for the missed payment as the account is now satisfied and paid in full. Not asking for the entire record of the account be deleted, just the one 30 days late reported. This action would not be unlawful in any event. I still think the company is being unreasonable based on the circumstances surrounding my request for said Goodwill adjustment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have a XXXX account in collections that i continue to pay on and been making small payments twice a month but in the month of XX/XX/XXXX i made payment on XX/XX/XXXX then next payment that i made was XX/XX/XXXX within 30 days.on XX/XX/XXXX th to XX/XX/XXXX my account was reported to the credit bureau with the balance of {$420.00} which was minus pymt on XX/XX/XXXX.i called to see why it was reported before 30 days and the representative was very rude about it and i asked for a manager n it took a while for him to agree to get me one.when manager came on board she adviced me its their discretion when to report my account even though i made a payment 3 days before.she was as rude about it as her representative.Im trying to fix my credit and was not happy to see it in my report which affected my score n making it harder for anything been approved, this is my debt and i have not refused to pay it as i was doing it i just want it to be removed from my credit report and have better representatives who are not as rude at ICSYSTEMS

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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of 2016 my wife and I entered into a mortgage agreement with Chase. In fact there were two mortgages the first was approximately {$220000.00} and the second was {$55000.00}. What we did not realize at the time is that the {$55000.00} dollar figure included a balloon of {$50000.00} due in ten years. I suppose the idea was that after a short time we would refinance the house once it appreciates and pay off the second. Of course that did not happen and now after never missing a payment on either we have paid over {$59000.00} on the second ( which obviously exceeds the initial loan amount ) and still owe over {$50000.00}. I am not blaming anyone for this situation. However, my question is this : Am I to continue to pay on this loan to my detriment even though the house is worth far less than the two mortgages? Chase is simply continuing to collect payments on a loan where of the monthly payment of {$490.00}, only {$65.00} goes towards the principal and refuses to allow any form of refinancing or restructure.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Mortgage (Conventional home mortgage) with Fay Servicing, LLC (WI).
Issue: Struggling to pay mortgage

Complaint: I lost my job several months ago, and have not been able to pay my mortgage for most of 2017. My account is with Fay servicing in XXXX. I asked My account manager for options And she was able to work up a modification plan but the problem with the modification plan is it requires over {$4000.00} as a good faith payment upfront. In the past they have waived the good faith payment and are refusing to waive it now. I then asked for a deed in Leiu Of foreclosure, basically a cash for keys which in my first conversation with my account manager she stated I would be eligible for at least {$3000.00} but will try to get me more. She then moved forward getting the modification but never worked on the cash for keys, asked her to check on it she put me on hold and five minutes later came back and said her VP said no cash for keys but they would take the keys and the deed. I said I cant come up with the {$4000.00} I once again asked for something for the deed, she began to argue with me. I can not tell you how many times Ive had to deal with Fay Servicing, they have put me in to other modifications which I told them were too expensive for me to handle I just want to be done with the house but I would need some sort of cash amount in an effort to be able to get a security deposit and first months rent with an apartment. I think it has been their goal all along to try to push me out of the house. The investors that own The mortgage have modified several times before without a good-faith payment, they have also offered me cash for keys in the past which I did not take because at the time I wanted to keep the house. Fay Servicing is  extremely dishonest and they treat people that are having financial struggles horribly. I have read other situations which they push forward with foreclosure which is what they did when they first got my loan a few years ago. I was under a forbearance agreement with my former mortgage servicer, and once they purchased it they immediately put my house back into foreclosure. This is a tactic they use, the only reason I still have the house is because I fought it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint: On XX/XX/XXXX, I wrote a check to XXXX XXXX in the amount of {$1000.00}. The check was deposited into his Bank of America account that day. 

On XX/XX/XXXX, this person found the check and scanned it thru the Bank of America app and they withdrew the money from my account again. 

Almost a year later, and the same exact check was paid. 

You can see it in the attachment. I need my {$1000.00} back today.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with fraud alerts or security freezes

Complaint: In light of the Equifax hack, I feel I should be able to freeze or otherwise restrict access to my credit report at all reporting companies completely for free, and at my own discretion, now and forevermore. Paying even a nominal fee for this service is unconscionable in light of the gross misuse of my data.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Collection is being reported that was paid to the original creditor. I have had no contact with the collection agency prior to the debt being paid to the creditor. They refuse to remove it from my credit report.

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 03/30/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan modification,collection,foreclosure

Complaint: I have been denied a Modification due to the Servicing Company 's admitted error and slow processing time.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (FL).
Issue: Adding money

Complaint: RushCard ... Need I say more? No, not really, but I will. For 6 weeks now I have been told the same thing, that a system update is causing problems. No one has offered a credit per my inconvenience. And now I 'm being informed that the escalation department handling these inconveniences may or may not even exist. Rushcard has an escalation department but they will not be responding or calling customers about an expected resolution date. That was per a customer service reps own scripts. On the website, they still boast that with Rushcard, you get your money up to two days earlier. It 's been six weeks since the early direct deposit was last available to me, personally, so I feel it is false advertisement for Rushcard to still boast they can give new customers an early direct deposit when existing customers are not getting that paid for feature. I was even told that instead of offering overtime for the outsourced employees dealing with this fiasco, Rushcard is hiring new employees to help deal with the high call volume. So it was easier to hire new people to take calls than it was to hire professionals to fix or update said system issues. As I type this, I speak and proofread XXXX ( name changed to protect the identity of the now employed ). XXXX says that in the XXXX where she is located they do n't even offer Rushcards. So the employees hired to handle the situation dont even understand why it 's frustrating. I have had to change my online password several times since I keep getting locked out due to said system update. All in all after a year with RushCard, I do feel it 's been a bit of rushcard roulette.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2016 about Credit card () with BARCLAYS BANK DELAWARE (AL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My name is XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with Barclays in my name. In accordance with section XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( XXXX XXXX, I am requesting Barclay 's provide me copies of all business records relating to the account. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within XXXX XXXX XXXX XXXX days of their receipt of this request. I am submitting this through the XXXX so it is on record as when I sent then, that Barclay 's received it and are aware of what I requested. 

Additionally, I am writing to dispute certain information reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section XXXX ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. And I request that Barclays send me a letter documenting the actions they have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. 

Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA XXXX XXXX b ) ( XXXX ) ( XXXX ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. 

Thank You, 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 10-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have made payments to my Bank of America Visa card online monthly on the following dates : XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$2000.00} XX/XX/XXXX - {$4000.00} XX/XX/XXXX - {$1000.00} Bank of America charged me a late fee of {$27.00} on XX/XX/XXXX and told me it was because I did n't make my payment during their designated " payment period '', even though I have made a payment each month for substantially more than the minimum due. I was told that there is a disclosure on my paper statement regarding this - however my activity history would indicate that I access my account online and only make payments online. This is confusing and unfair that I am penalized because I make my payment outside of their determined narrow window of payment date. I am XXXX years old and feel Bank of America is taking advantage of me. I contacted Bank of America 's customer service and was told that it is their policy to access this charge regardless of whether I have made a payment during the month. Bank of America is benefiting from this confusion by not only charging interest on the balance but also accruing late payment penalty charges - in spite of having received a payment that satisfies the minimum due during the month.

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 05/27/2016 about Credit reporting () with Fidelity National Information Services, Inc. (FNIS) (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: ChexSystems has n't contacted the Bank nor investigated this matter as they argued on dispute XXXX. On their resolution they said " disputed information has been verified to be accurate '' If you see the dates of this complaint and the attached XXXX XXXX letters dated XX/XX/XXXX and XX/XX/XXXX, confirming the account was settled in full in XX/XX/XXXX and stating that XXXX XXXX requested ChexSystems to update the account accordingly both entities are in non compliance of the FCRA. The issues in dispute are the account terms, status, the obligation to provide accurate information, the obligation to update it on timely manner.

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 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with LEXISNEXIS (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: LexisNexis sent an historic and unverified report to my prospective employer on XX/XX/2018 The report included 71 judgments and liens almost everyone is duplicated several times on the report and all are satisfied and released and they do not report them as satisfied or released, When I request a copy they send me a different copy showing only four liens, all satisfied, This is not fair

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Delinquent account

Complaint: Re : XXXX XXXX XXXX Card ending XXXX. 
This has been my XXXX request to have this issue resolved without success, as this adverse reporting continues to cause me adverse results. 
This account was ALWAYS and ALREADY PAID in full prior to bankruptcy filing in XX/XX/XXXX when it was inadvertently included in my bankruptcy and in FACT OVERPAID per bankruptcy ledger, as none was required. Notwithstanding, this bankruptcy was XXXX on XX/XX/XXXX. PLEASE DELETE per attached. 
Notwithstanding the most recent dispute submitted via XXXX and documentary evidence submitted, as you will see on the next page, the incorrect adverse information is still being reported as of XX/XX/XXXX. Please delete /correct and advise all the major credit bureaus. 
Thank you. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Bankruptcy on my credit inquiries close account. I have a fraud alert on my file but the still is not working. I have ask for validation is never done. All I get is variation from the Credit report agencies. These is my second time reading to you guys asking for help nothing have been done I need these credit agencies to validate or remove these information thats not mine out of my personal credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (GA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: I can not use my credit card to make purchases or log into my online account to see the amount of balance I owe. Around XXXX/XXXX/XXXX, Chase says my account must be reviewed by fraud team due to potential fraud associated with the account. All the purchases have been made by me or my son ( who is an authorized user ), and they said someone from fraud department will contact me by next day or two days.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I find it surprising that CITI bank can send me a ton of pages from years ago but can not honor a request to either provide me with an IP address, or something I signed stating that this card is mine. My identity was stolen and I am just trying to figure out what debts are mine and I would make payment arrangements if only CITI would provide me with this simple information. They even sent me a screenshot of a computer screen with a lot of information but not once did they send me anything with an IP address or a signature.

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