milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I 've never attempted to payback my student loan for a for profit school which is not only currently closed but I have both private and federal loans through XXXX XXXX feel I was misplead by the type of living wages were expected after school and the way in ehicvh I was forced to service a loan or ends my school.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Amsher Collection Services, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Amsher Collection services sent me a notice regarding my delinquent XXXX balance offering me a settlement. The settlement is {$32.00} off my balance if I pay before XXXX/XXXX/15. It states that to accept the offer I am to call XXXX. 

When I call this number I am greeting by a message telling me I can leave a message which is then interrupted by another message leading me through a series of prompts which leads me back to the original message creating a loop where I can never leave a message nor speak to a representative. 

I simply want to pay my bill and would like to accept the Amsher 's settlement. However the number they provided does not allow me to do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX of XXXX I paid off my balance for my new Banana Republic credit card. They did not inform me that there was as additional fee and left me with a negative balance after I specified to pay off my entire balance. A few months passed and I received a letter that I have been reported to the credit bureau for a negative balance on my account, I contacted Banana Republic and resolved the matter where they wound up apologizing, received a credit on my balance ( this was a first ), and then received check for the miscalculation of my balance. My credit score dropped in the meantime while they had to fix this error on their end, they also advised that they were not able to send a letter or do anything to remove the report to the credit bureau. Banana Republic also closed my credit card without notice.

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 09-05-2017 about Student loan (Private student loan) with SLM CORPORATION (WA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I am writing to request the income based repayment option that Sallie Mae assured would be possible when I originally took out these loans. I graduated in XX/XX/XXXX and have obtained a job making XXXX a year, which does not afford me the ability to make the full payment without an income based payment plan. Since graduation, I have attempted to work with Sallie Mae without success. Since I can not afford to pay my whole paycheck, I utilized the rest of my forbearance in hopes of a better option. I also contacted Sallie Mae to discuss whether there were any options left to me, since when I took out the loans, I understood that there would be repayment options like income-based repayments, that would allow me to pay on principal and interest at a lesser amount. 

I have now been told that this is not the case. In XX/XX/XXXX, a Sallie Mae representative spelled it out like this on the phone, I was only given the following repayment options : 1. Take the last of my forbearance option to stall payment during that month of hardship 2. Go to a third part institution and try to refinance my loan 3. Default and hope that once the loan is in debt collection, there might be other payment plans offered to me And that was it. Sallie Mae 's tactic, find a way to pay the balance, refinance through a different company or go to collections to see what repayment options are left to me. None of these ideas are remotely close to the repay back options I was told would exist when signing up. 

Instead, I am left with horrible options that risk my credit and livelihood. Due to questionable business practices on your end, I am carrying the burden of more student debt then I should ever had been issued. I would pay the amount back, if I ever could touch principal balance and start paying my debt. Instead youve made it impossible to succeed in payments, inflated the amount of debt I owe with added fees and regulations and have pretty much guaranteed my failure at repayment. 

These are questionable practices in trying times and I thought that you should know about it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I pay my mortgage via autopay every month on the XXXX. XXXX XXXX XXXX showed that it was paid on XXXX/XXXX/15. Caliber did not credit my account until XXXX/XXXX/15. Late charge is accessed in addition to continual harassment of calls and letters demanding payment they already got.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-05-2016 about Student loan (Non-federal student loan) with HEARTLAND PAYMENT SYSTEMS INC (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: the company Campus Partners services private student loans for a number of universities, including XXXX University. They arbitrarily instituted a {$0.00} fee on all payments made with checking accounts directly ( as opposed to autopay ). Because no warning was given, all payments made this month are subject to a fee ( unless the payment is mailed in ). They acknowledge they gave no advance notification either. By this method they are blatantly taking thousands of extra dollars of expense unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Transaction issue

Complaint: I have a unauthorized charged on my macys American express card1.XX/XX/XXXX macys at XXXX XXXX in amount of $ XXXX.XX/XX/XXXX macys at XXXX in amount of $ XXXX.XX/XX/XXXX macys at XXXX in amount of $ XXXXtotal amount of XXXX un authorized charge

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: On XX/XX/2015 I requested my annual credit report ( Equifax ) via the automated phone ( XXXX ). My request was accepted. By XX/XX/2015 I had received nothing. 
I repeated my request via the automated phone system and again it was accepted. 
In a few days received letter from Equifax stating I had received a credit report within the last 12 months ( not true ). There is no customer service number for Equifax , so I am stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent a letter requesting validation of several times to both the creditors and the credit report agencies of incomplete or incorrect information being reported. The CRA came back with an answers that they have " verified the accounts belong to me ''. To date, these accounts have not been verified by the creditor and the CRA was informed of the notice after a 30-day period. These items still remain on my credit file, do not belong to me, are incorrect, incomplete information and harming my ability to obtain additional credit and my overall credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I recently submitted a dispute to Experian based on inaccurate information on my credit report. There is a collection listed for XXXX XXXX, and showing XXXX as the Original Creditors. I contacted Experian to let them know that this information should be removed and that I paid XXXX XXXX XXXX in the amount of {$410.00} ( see attached ), over a year ago. Experian still refuses to remove the information, and has only updated my credit report with inaccurate information which shows a balance owed of {$410.00}. I have attached front and back copies of my check, which was cashed by XXXX XXXX XXXX over a year ago. Please help me hold Experian accountable for removing this inaccurate information from my credit report. This has negatively impacted my ability to purchase a home.

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 08/14/2015 about Debt collection (Credit card) with WELLS FARGO & COMPANY (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX XXXX at XXXX XXXX. I received a phone call from XXXX, which is one of the phone numbers that Well Fargo National Bank uses to call me about a debt. I answered the phone and said " Hello ''. The girl on the other end said " Hello? '' I said Hello, thinking maybe she could not hear me. Then she said, " Hello?, Hello?, Hello? '' and hung up the phone. 

The collectors from Wells Fargo call me every day, until I answer the phone, for that week. Then the next week, the cycle starts, again. 

I am working with a Credit Counseling Service to resolve my debt issues. Wells Fargo National Bank refuses the offers made to them by the Credit Counseling Service. Yet, they still accept the money that the Service sends to them, and they still call me every week to ask the same old questions - Can we do a check by mail to bring the account current? How did you get in this situation? 

When I respond that they are getting money thru the Credit Counselors, they respond that they have refused the offer. I remind them that they are accepting the money and tell them that that is the best that I can do. 

Wells Fargo sends me Settlement Letters stating that they are willing to settle for 60 % of the balance. But, at the end of the letter, they state that they will turn the information over to the IRS and that I may be liable for additional taxes. 

I am tired of the endless phone calls, the letters, their refusal to work with the Counseling Service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/21/2015 about Prepaid card (Mobile wallet) with Empowerment Ventures, LLC (WI).
Issue: Managing, opening, or closing account

Complaint: I am unable to access my online account and when I try to call the Rush Card customer service or email them, they do not resolve my issues. I want to make sure that all of my money has been appropriately used by me, and because i am locked out of my account I ca n't do that. Rush Card customer service representatives told me Sunday XXXX/XXXX/2015 that my account was unlocked and it was not. I feel very uncomfortable about them having my personal information and they are beng dishonest. Had the Rush Card rep told me they could n't help me that would have given me some trust in them. I unable to review my transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-07-2016 about Bank account or service (Checking account) with KEYCORP (PA).
Issue: Account opening, closing, or management

Complaint: I closed mmy account and video recorded myself doing it and XXXX is fraudulently trying to keep it open

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (I do not know) with WORLD ACCEPTANCE CORPORATION (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: i owe this finance company and I have never told them I will not pay, its just my financial situation is not very good and have not been able to pay them and they keep harassing me to my work and calling me from different numbers leaving messages without identifying who they are. they have also threatened to come to my job

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Debt collection (Other debt) with FIDELITY CAPITAL HOLDINGS, INC (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I filed bankruptcy XXXX of 2016 this debt was included in my bankruptcy and I have called and called only to be told that they have received my paperwork and to give them 8 weeks to resolve the issue and here we are over a year later and still has not been fixed!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Mortgage (FHA mortgage) with NATIONS DIRECT MORTGAGE, LLC (CA).
Issue: Closing on a mortgage

Complaint: I was in the process of refinancing. My old mortgage company " Nations Direct Mortgage '' did everything they could to delay the process. I would pay {$150.00} for a payoff report and less than two weeks later it was n't any good so I 'd have to pay for another. We were finally at the end of XX/XX/XXXX. They had taken my XX/XX/XXXX mortgage payment without authorization via automatic withdraw and told me they would n't reimburse my account and I was just going to let it slide. I signed papers and then three days later I received a check from Nations Direct identified as " Escrow Reimbursement. '' So I cashed it. Then all XXXX broke loose. They sent me that money in error. Their error. The escrow reimbursement money was actually withdrawn from the mortgage account and they refused to close until I wired them {$1500.00}. I did that immediately and the process was closed. But from the end ofXX/XX/XXXXtill even today three weeks after the close and transfer of my mortgage I receive collection calls daily. Yesterday XX/XX/XXXX I received my 9th letter of collection notice and a form for Loss Mitigation Alternative Program. I 've called Nations Direct at least a dozen times and explained to debt collections who call me at work, what the situation is but to no avail. Now I find that my credit rating has been affected by a delinquent mark for a mistake they made. When I ask them to retract the mark they tell me no, that I 'll have to write a letter and dispute the mark. Why should I have to fix their mistake? And as of today I still have n't received any of the money that is sitting in an escrow account. because I paid my property taxes for the year ALL of that money should be coming back to me but has n't. This company has put me through XXXX and affected my credit rating with their errors and shows no remorse of attempt to correct the wrongs they 've caused me.

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 02-07-2017 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (IL).
Issue: Application, originator, mortgage broker

Complaint: The mortgage company caused multiple delays in the closing process. These delays caused much stress for both me the buyer, as well as the seller who almost cancelled their contract. This issue resulted in XXXX closing dates not achieved, as well as several thousands of dollars of extension fee 's that were levied onto my loan even though I had nothing to do these delays, XXXX % of the time I returned any requests, or documents requested before the next day. I feel this was a form of extortion, for that regard, it would be next to impossible to restart the process with another institution this far into the process. Furthermore upon reflecting back to those issues, I feel that maybe those issues were intentionally caused, maybe to create a stream of revenue for the bank, which if that is the case I think it maybe fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have had the same Home Equity Credit Line for the past 18 years. My original loan was with a bank that TD Bank bought and the loan and conditions were grandfathered to TD Bank. The loan has no expiration date and is what TD Bank calls an Evergreen loan. Recently, TD Bank has been trying to get me to change the conditions of the loan to one which has a 10 year cap, which means the loan ends in 10 years. The bank is asking me to requalify for the existing loan on an annual basis which forces me to complete an absurd amount of paper work. The bank has told me that if I agree to change the conditions of the loan to the 10 year cap there would be no paper work now, or in the future. I have never been asked to provide any additional paperwork in the 18 years that I have the loan. This is clearly HARRASSMENT to get me to change the loan, which is not in my best interest. I have made repeated to clarify this with the bank but have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX has deleted 2 accounts from my credit report finally. However transunion and XXXX are still reporting this information on my report. I have submitted and uploaded proof that these 2 companies have given authorization to delete from my credit reports. I contacted transunion today XX/XX/2017 to explain that XXXX XXXX XXXX was deleted off my report and has been reinstated back on again this month. I have been dealing with this issue for months now. I was told by transunion they will open a new investigation. Now I have to wait another 30 days again. This is completely wrong this account has been verified to be deleted off my report but they are giving me a hard time about this. I explained it has been verified to be removed from XXXX so they should have received the same answer for transunion and why was this put back on my report again. I have been spending many hours and days try to correct this problem and now I 'm put back another 30 days having this on my report is affecting my credit score in a very negative way and causing me a hardship in obtaining substantial credit

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 04/15/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Payoff process

Complaint: I ATTEMPTED TO PAYOFF ACCOUNT. SEARS GAVE WRONG PAYOFF AMOUNT. I TIMELY PAID THE INCORRECTAMOUNT GIVEN MAKING THE ACCOUNT {$6.00} OVERDUE. IT WAS SEAR 'S FAULT NOT MINE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 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 status incorrect

Complaint: made payments in XXXX XXXX which brought account to current. However, it 's showing account was closed on XXXX XXXX. Repossession/Closed.

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 03-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In XX/XX/2017, I fully paid off the balance owed on a closed credit card account with Bank of America. I paid it in full before the due date. 
After I paid my card, the account disappeared from my online statement which I often check because I have an active mortgage with Bank of America. 
Yesterday I received an alert to my credit report that my credit card account with BOA was 90 days  past due! I was infuriated! 
I logged into my account and saw that the card was reinstated under active accounts and they were charging me interest and late fees for an amount of money which had been paid prior to the due date.Since the account was paid in full I have not been billed once for this account. 
I called the lender yesterday and they agreed it should not have been and they are removing it from their accounts. However, they said they could not remove the 90 day late notice from my credit report for 1 to 2 months! That is simply not acceptable! They are absolutely damaging me financially. 
I am looking at new houses to buy this spring and this false report on their error is going to hurt my score.

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 05-03-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There is an account listed which does not belong to me and is reported on my credit which is wrong. Requesting removal of this ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit reporting () with EQUIFAX, INC. (DC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: In XXXX 2016 I disputed a medical debt reporting as Creditor Claims of XXXX in the amount of {$840.00} on my Equifax credit report for XXXX reasons. First it is a medical debt ; second the collections company is reporting an incorrect balance as an outstanding balance, which is {$200.00} more than the original outstanding balance. I am questioning Equifax 's " investigation '' into my direct dispute with Equifax regarding this incorrect balance that is currently reporting on my credit report. It appears that Equifax did not conduct an independent investigation into my dispute. I have attached an invoice from my former dentist 's office for your review.

Company response to consumer: Closed with explanation