milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX XXXX reportedly received a notice that I was enrolled in a professional program ( i.e. a XXXX XXXX program ). Without talking to me, they put my payments in deferment, which affects my status in income driven repayment and public service loan forgiveness. I did not want this. I wanted to keep my payments in the income driven repayment plan, and keep making my payments so I can get the loans paid off and get public service loan forgiveness. No one ever checked with me, they just did this and then sent me the notice. Their message stats that if I try to switch back, my interest will be capitalized ( current balance is {$440000.00}, so capitalization would put this over {$500000.00} ). I tried to contact them, but they do not return my messages. This all comes after I spent 4 months ( MONTHS! ) getting into the current income driven repayment plan. Additionally, their calculation of my PSLF payments is still incorrect -- they are off by more than 10 years now. No one is returning my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Incorrect address listed with personal information on my report. The incorrect address is  XXXX   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 non-monetary relief
Consumer complaint received 01/17/2017 about Debt collection (I do not know) with FIFTH THIRD FINANCIAL CORPORATION (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Fifth third bank has been calling my company paid for and provided cell phone for over a month using a computer. I have stayed on the line multiple times to let them know that they have the wrong number. Now they are calling with alive person. I think they are trying to collect from a XXXX XXXX. I told them I 'm not this person and that they have the wrong number. Their collectors will not identify themselves and will not tell me where they are calling from. This is a fdcpa violation. 

They keep calling even after I have told them wrong number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Latest issue, which has been reaccuring throughout loan is being charged fees even after loan is brought current. Most current example is XXXX XXXX I brought my loan current and agreed to a years payment plan via debit card. Got payment plan in mail. The next week I get my statement in mail for XX/XX/XXXX payment due and there 's late fees due again even after I brought my loan current. This college went out of business before classes finished and I 've been stuck with this useless loan that I got nothing to show for it since. I 'm on XXXX but they say this loan ca n't be forgiven because I have a cosigner and the debt will be turned over to her even though she 's retired on social security.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: For about the 8th time, Bank of America has purchased flood insurance on my home when I aleady have insurance. This has been going on for 10 years and it 's taking a toll on my life. Once they do it the harassment goes on and on and they do everything in their power to make it difficult and refuse to refund the money. My agent faxed the documents as instructed on XX/XX/XXXX to a special fax number I was give over the phone directly to the person who was going to make sure this was taken care of. Then today I get the notice that they have purchased the insurance again. The mortgage is in an estate and now they are claiming I do n't have it insured properly even thought it 's been the same for 10 years. I have spoken to 10 different people at B of A and they all have a different story as to what 's right and what 's wrong. It truly is just harassment. I had to file a complaint with the Dept of Justice about 5 years ago for them to acknowledge that I did already have the insurance and that they purchased it from their own insurance company XXXX for XXXX what my insurance cost. They are at it again and I ca n't take it. The XXXX is literally taking a toll on me. They have to be stopped.

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 08/29/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Other

Complaint: The Citi bank credit card on my credit reports though in good status is not in my name! It is in the name of my live in companion but has nothing to do with me. He has had the acct for many years but it should not be on my credit records and would like it removed!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/25/2017 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Applying for a mortgage

Complaint: XXXX 2017 I applied for a refinance on my primary loan, which I was approved, after being underwater with my mortgage for about 5 years. I have been trying to do this for at least 2 years and finally I could refinance to have my 7.12 % interest rate lowered to 3.65 %. My second mortgage was with XXXX. My broker informed me that they required a subordination agreement from my second mortgage before they could complete my loan. They contacted XXXX in XXXX  2017 and was told it was approved, but my loan was being sold to Select Portfolio Servicing and they would not release the Subordination Agreement, we would have to obtain in from SPS.
XXXX  2017 SPS obtained my loan and we were waiting for all the paperwork to come from XXXX, including the Subordination Agreement. They stated after a month they did not receive it. After all the frustration of trying to get this to my title company and the broker, I requested that they start the process all over again the beginning of XXXX 2017. To make a long story short, it is XXXX XXXX, 2017 and I still do not have a Subordination Agreement from SPS. They have resent it back with every excuse, including having me down for a short sale ( A SHORT SALE WAS NEVER DISCUSSED ), the wording is not right, there are blanks that need to be removed, etc. This loan I am trying to obtain is not going to effect this second mortgage at all. But in the meantime I am still paying a 7.12 % interest rate when this should have been taken care of months ago. After about 30 phone calls all I get is I will check into it and call you back. I have never received one call back. I have to continue to call them and still not getting any closer to getting this agreement. My frustration level is an 11, it is costing me close to {$300.00} a month every time I pay on my current mortgage and I get the same response as if they are reading a script. I talk to supervisors and have called the Ombudsman department. Still no further ahead than I was in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Initially I disputed an account, which came back verified, I believe the that the investigation is questionable.

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 04-11-2017 about Credit card () with REGIONS FINANCIAL CORPORATION (LA).
Issue: Customer service / Customer relations

Complaint: I telephoned Regions Bank at XXXX pm CST on XX/XX/2016 to make payments on XXXX credit cards that were due that day. I was placed on hold for an excessive amount of time and was transferred between numerous employees who were unable to pull up my account information. I gave my credit card number, federal tax id number, name, address, and other personal information to multiple operators and none of them was able to find my account in their system. This prevented me from making the payment on the date that it was due. The incompetent service at Regions caused additional late fees to be charged to my account.

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 09-10-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PR).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I 've been receiving constantly calls from a Collection Company threatening me to sue me on court. Also, they have told my mother all the information about this situation. This account is more than 9 years old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-10-2017 about Debt collection (I do not know) with NCB MANAGEMENT SERVICES INC (NM).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: 2nd notice : Complaint number :  XXXX  On  XXXX   XXXX , I submitted a complaint to your website. I received a response fro m NCB Management Services. I a ppreciate your answer. You stated you have removed my number from your database. I received a call on  XXXX / XXXX /   2017  at  XXXX    XXXX   from  NCB Management Services, again . The lady stated that her name is  XXXX . I could not understand her last name. She stated that she was calling in reference to a  XXXX   XXXX   XXXX , and for me to please call her, so she could help me take care of this. The number given was  XXXX , extension  XXXX . I do not have a loan with this company, and I have never heard of this company.  NCB Management Services is  not to call me, according to their answer from my  XXXX / XXXX /   2017  complaint.   XXXX  Please, please, have this company to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft which is reported on  XXXX  of  XXXX  credit bureau 's  XXXX   XXXX  given all the required documentation proving identity theft refuses to remove the in accurate charge on 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 explanation
Consumer complaint received 10/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am receiving harassing and threatening telephone, and death threats from representatives from Stellar Recovery , Inc., in regards to an account that do n't belong to me and is the result of identity theft. I am a victim of identity theft and the account do n't belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (NC).
Issue: Loan modification,collection,foreclosure

Complaint: I am doing a short sale so I can sale my home. I was previously informed by a representative that I need the buyer to at least offer XXXX. Another buyer offer XXXX which was the listed price after reducing it from XXXX. A new XXXX came in at XXXX. We submitted a dispute on a previous XXXX to justify our offer. We were emailed an appraisal stating XXXX with XXXX in repairs. Different reps are giving different information and I am the person that will suffer if the house goes into foreclosure. 
Also, investors require 88 % to 90 % of market value but the rep keeps stating we need to raise the offer. We have pointed out why the property is hard to sell and the clients are about to walk. He will not give what the bank is trying to net but says were a couple thousands off. We removed several items from the HUD-1 due to the reps request which increase their gain by XXXX. I think that is a couple of XXXX but maybe couple XXXX now means something different. I have emails and from the previous rep to support my claim. This is a serious problem on how banks treat customers and how they lose their homes due to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Student loan (Federal student loan servicing) with Social Finance, Inc. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: SoFi publishes rates of 3.5 on fixed loans for student loan refinancing. All combinations of salary, experience, loan amount and home ownership result in 5.74 % as the lowest rate for refinancing. For example, a {>= $1,000,000} salary at $ XXXX loan debt = 5.74 % rate and {$50000.00} salary at {$100000.00} loan debt = 5.74 %. This is a marketing tactic and is being used to deceive customers into supplying protected information.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (OR).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: RE : Violation of the federal government 's Expedited Funds Availability Act.

**This complaint is about Simple Bank incorrectly treating federally backed money orders and personal checks equally, instead of treating federal backed money orders as a cash deposit like other merchants and banks currently do** ***************************************************************************************************** 1 ) QUESTION : Please state exactly what date XXXX Bank received the {$290.00} in funds from the US government from a federal cash money order deposited ( not a personal check but a federal money order which should be treated the same as cash ) on XXXX XXXX, XXXX. None ( {$0.00} ) of the funds were available until 16 days later XXXX XXXX XXXX, XXXX ). Again, what date exactly did XXXX Bank receive the {$290.00} in funds from the deposited federal cash money order? 
***************************************************************************************************** 2 ) QUESTION : Then state clearly how many days passed after Simple Bank received the funds from the federal government before the hold was released. 
***************************************************************************************************** *Note : The Funds Availability Disclosure of the XXXX XXXX Simple Deposit Account Agreement does not include federally backed money orders which are treated the same as cash by merchants and banks. 

*Note : Simple Bank does not allow for deposits though their ATM network and does not have any physical branches, so XXXX Bank XXXX make allowances for Federal Backed money orders to be treated differently ( same as cash ) than a personal check. 

XXXX THANK YOU FOR ANSWERING THE 2 QUESTIONS WITH THE DATES/DAYS AS REQUESTED *****************************************************************************************************

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Closing/Cancelling account

Complaint: I opened an account with Chase on XX/XX/XXXX. It was closed on XX/XX/XXXX, but I was never notified. Nearly 10 years of my credit history disappeared from my account, which is negatively impacted my credit score. If I had been notified of the potential closure, I would have used the account a few times, just to keep it open.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Last year in 2017 I disputed with XXXX and XXXX regarding a account I.C. Systems after I sent a written Dispute and it was later removed from my credit report.This morning I get a alert from XXXX XXXX that the account reappears on my credit report after it was deleted.This false information has affected my ability to obtain 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 03/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Disputed inquiries on credit report and credit bureau responded without addressing my concerns. Sent a form letter explaining how inquiries on report, however verification nor deletion was done as requested. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/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 12/15/2016 about Debt collection (Medical) with Medical & Professional Collection Services, Inc. NC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: IM UNDER VA CARE, AND THEY SENT ME TO A OUTSIE DOCTOR AND THE VA DONT XXXX THE XXXX THEY SENT IT TO A COLLECTION ANGENCY.SO THE ANGGENCY GOT AHOLD OF ME AND I PAID THE BILL. AND I DISPUTED AND THEY DIDNT TAKE IT OFF MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I signed up for the Capital One Platinum Mastercard in XXXX of 2015 and provided them a {$200.00} deposit without interest that I was told would be refunded when my credit improved. My credit score was XXXX at that time.
I now have two other credit card accounts which are unsecured and a credit score of XXXX out of XXXX. Captial One refuses to return my deposit now after almost two years and told me I would have to cancel my card to receive it, which would damage my credit.
If my case is n't an ideal one for a security deposit refund, I do n't know what is.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Duncan Solutions, lnc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Parking ticket in City of XXXX on XX/XX/2016.The plate number XXXX is not in my name, I never own this plate number, for the last few years I do not have any car in my name, I did consign for this car or any other car, I conformed this with local office Secretary of State, to obtain an official report that will cost a lot of money and effort, I disputed this ticket with collection agent ( Professional Account Management ) few time. they asking me that either i pay the ticket which is not mine {$95.00}, or I provide them with an official report from the Secretary of State lasing Michigan which will cost a lot of money, so what mean I paid either way. It is their responsibility to prove that plate number in my name, not the other way around, I am willing to request an official request from the Secretary state of Michigan lasing office, but they should pay the cost of report if the this plate is not in my name or I am not a cosigner for this car.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (NV).
Issue: Problems when you are unable to pay

Complaint: I am a XXXX, I sent Wells Fargo a financial instrument for {$26000.00} dollars registered mail through the XXXX. also insured, return receipt. It is legal tender for my debt and was told that they will not honor it and will not return it with an explanation telling whats wrong with it which is against the law. I 've done my administrative process to try and resolve the issue with no result. I would like to file a complaint on this very urgent matter.

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 Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (AZ).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I was buying a ticket at XXXX XXXX. While I was doing that - this offer came in between which literally meant that apply for the XXXX XXXX XXXX Credit card from Citi and you will get {$100.00} credit.
Later I come to know that it 's not the case. Neither I am getting {$100.00} as statement credit but i will have to pay for the annual fees also. This is misleading and clear violation of UDAAP.
When i called the customer service they told me to get {$100.00} credit - i need to buy something on XXXX Why in the world they flashed such a fake commerical/advertisement? I could have used this card provided after the approval - they have immediately shared the Credit Card details ( just the way XXXX XXXX does it using it 's mobile wallet app )

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