milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/18/2015 about Student loan (Non-federal student loan) with AES/PHEAA (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My complaint is with American Education Services ( AES ) who maintains the original private student loans taken out XX/XX/XXXX through XXXX XXXX XXXX XXXX. 
My son attended XXXX which was part of XXXX XXXX at the time and is now part of XXXX XXXX. I co-signed for the " Private Student Loans '' so he could attend this school. 
I requested additional information from AES with regard to a XX/XX/XXXX CFPB newsletter about Relief for Students of XXXX. Specifically what steps need to be taken and if there are forms to fill out for student loan relief. 
The CFPB newsletter states the loan servicer will notify us " if '' we benefit from this agreement. I had not been contacted directly by my loan servicer American Education Services ( AES ) in the ( 7 ) months this agreement was published. 
I decided to contact them myself on XX/XX/XXXX & XX/XX/XXXX to request information about this settlement. They directed me to contact the US Dept. of Education - Waste, Fraud and Abuse by phone. The phone number mail box if full and messages can not be left and you can only call on certain days. This particular phone number was associated with federal student loans not private. They also directed me to the studentaid.ed.gov website and stated there " should be '' forms available to fill out and submit. The forms appear to also be directed toward " federal student loans '' not private. I called AES again speaking to another representative who stated they needed some type of a form from CFPB authorizing student loan relief. 
I feel my son and I are eligible for this student loan relief based on the lack of job opportunities in his field of study the XXXX representative stated were in high demand and with excellent pay so affording the student loan repayment should not be a problem. Job placement from XXXX consisted of a limited list of " potential '' employers some of which when contacted were not hiring at all. Another employer my son contacted stated that they did not have good luck with XXXX students. My son is still not working in his field of study 10 years later. These types of recruitment tactics used by XXXX are fraudulent in my opinion making our student loans eligible for student loan relief. 
American Education Services appears to be unaware of what information is needed to resolve this issue or is unwilling to help. 
Can you please clarify what it is I should be doing to apply for this student loan relief and direct me to the correct forms to use if any? Is CFPB able to contact American Education Services and provide them the information they need to start this process?

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Someone fraudulently accessed my identity and opened XXXX credit cards using my name but an address I have never been to or resided. I subsequently contacted the credit card companies and closed the accounts. I also put a 90 day fraud alert on my information. 
I have tried every channel that I can find, both via phone and finding an email address to remove improper addresses and inquiries resulting in fraud using my identity. 
Can you provide me with the phone numbers or email addresses that I can communicate with the XXXX credit bureaus to inform them of this and have them remove this data that should not appear on my credit reports. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX/XXXX/17 we submitted a loan modification package to the lender for review - we were advised on XXXX/XXXX/17 that the file was denied review or approval due to the loan being 38 months passed due - was advised by the lender that due to FHA guidelines they were unable to review the file because of the delinquency and being 3 years passed due. I was transferred to the re-entry team, manager - XXXX, he advised that they are going off of the re-entry teams decision on the loan not being eligible for a review due to being more than 3 years passed due. Advised mgr no where in the FHA guidelines does it state that a loan would not be eligible for a loan mod if passed due for more than 3 years.

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 03/30/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (AZ).
Issue: Problems when you are unable to pay

Complaint: I had XXXX auto loan with Ally Financial that originated in XX/XX/XXXX. I made my payments on time every month. I filed Chapter XXXX bankruptcy XX/XX/XXXX, and payments were being made to Ally Financial through my bankruptcy plan. I surrendered the vehicle to Ally Financial XXXX to remove that debt from my bankruptcy and so I could purchase another vehicle with a different financial institution. Now, Ally Financial is reporting XXXX on my credit report when I only had XXXX loan with them. Also, on those XXXX reports from Ally Financial, are also showing delinquencies that never happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (VT).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had tried to return a phone in exchange for a new one ... thats all no upgrade etc. ( had it ten 10 days! ) ..the nastiest woman in the XXXX NH store bellowed there is nothing wrong with this phone ... which of coarse there was. I wanted to swap it out before the warantee expired and she wouldnt do it. So I put the phone on the desk and told her you have broken the contract by not repairing or replacing defective phone. We have no contract .She said GOOD LOL.. Recently checked my credit score which was ok and found XXXX sold it to collections. Someone said call verizon which I just did and the abrupt woman said .nothing I can do we sold it. I asked to talk to supervisor and was told there was no need.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit card or prepaid card (General-purpose prepaid card) with CITIBANK, N.A. (CA).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: Good evening. I received a pre-paid Mastercard " debit '' card as part of an agreement between XXXX XXXX and I for {$25.00}. This card has an expiration date embossed like all Mastercards. The expiration date was yesterday XX/XX/XXXX. When I call the Mastercard system I am told I have a valid balance of {$25.00} for purchases ; however, I can not spend the {$25.00} due to the expiration date. It was declined when I tried to use the card today. I contacted Mastercard on XX/XX/XXXX and spoke to two people ( one in Corporate communications ) and they stated the money no longer belongs to me. I find this distasteful at best. I have the card agreement that was attached to the card and in tiny print there is one single line about " your CITI PREPAID Card expires on the date embossed on the front of the card '' -- it 's intentionally buried in fine print. How could this be legal?

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 01-11-2018 about Vehicle loan or lease (Loan) with TCF NATIONAL BANK (DC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: i have seen hard inquiry for certain lenders with out my permission

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2016 about Credit card () with STERLING JEWELERS, INC. (NJ).
Issue: Closing/Cancelling account

Complaint: I have had a Kay Jewelers Credit Card for about 6 years now and had never missed a payment. XX/XX/2016, I was late for the first time ever by about a week on a payment because i had just had my daughter and was on maternity leave and had totally forgot to make the payment. Kay Jewelers contacted me and I made the payment over the phone with them and apologized for forgetting to make the payment. They told me no worries and everything was fine. I visited a Kay Jewelers in XX/XX/XXXX to attempt to purchase my daughter an earring because she had lost one. When the store manager attempted to charge it to my credit account, he received a phone call from their corporate office stating that my account had been closed because " my credit score was not what it was when I first opened the account. '' That is extremely unprofessional and I am appalled that I was not notified prior to that visit that my account had been closed. It 's very sad that I found out my account had been closed WHILE AT THE LOCATION in front of all of the employees and customers. Terrible customer service. Terrible company. I have since stopped paying my bill since my account has been closed and because I am extremely unhappy with the company as a whole.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Williams & Fudge, Inc (SC).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: This individual contacted my father, who is in another state, and disclosed that he was collecting a debt to him. I have not lived with my father in over XXXX years. They made ZERO attempt to contact me before calling my XXXX father.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Foreclosure finalized XXXX. Experian indicates foreclosure XXXX as well but also has a monthly update for foreclosure in XXXX which makes issue report as more recent and is affecting current score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2017 about Debt collection (Medical debt) with American Collections Enterprise, Inc. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This medical bill should not have been sent to me but instead to the   XXXX   XXXX    XXXX   XXXX   in  XXXX . It was related to some medical evaluations the   XXXX    sent me to after   XXXX   XXXX  . As a  XXXX , this location was selected by the  XXXX  as it was closer to my residence. I gave all of this information to the imaging center as to WHO IS TO BE BILLED at the time. After I somehow received a bill anyway, I advised them again as to where to send this bill and also brought a bill my   XXXX   XXXX   in  XXXX , who apologized and said they would take care of it. I do have some names to provide of those involved with my case and care, such as the   XXXX   XXXX   XXXX   who worked closely with the  XXXX , and the   XXXX    medical reps at the time, as well as others such as the   XXXX   XXXX  . Additionally, I am also currently a   XXXX   XXXX   patient receiving care at  XXXX  for these injuries.

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 10-03-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: on XXXX/XXXX/XXXX at XXXX I sent the 3 months payment thru XXXX XXXX. To XXXX XXXX account XXXX recived code XXXX for the amount of {$2200.00} on XXXX/XXXX/XXXX my car was picked by the bank at my job. I called the bank and they stated the payment was rejected and that it would be returned within 10 days. I been calling since the 10th business day and they keep saying the payment was rejected but no money has been sent back to XXXX XXXX. I have also been calling XXXX XXXX, they also requested a cancelation since I had XXXX on speaker when they stated they had rejected and denied the money sent. I was laid off from my second job and stared getting behind how ever they should return my money since the car is in there position & the stated they decline a payment that I have yet to received. They keep stating they rejected the payment. Im a mother XXXX XXXX XXXX with no financial help from anyone. I under stand the car getting picked up if I did n't pay at all but the money was sent.

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 11/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed the below accounts with Transunion on XX/XX/2015 but they never responded to my disputes. I disputed that the following accounts are not reporting correctly. 
XXXX BANKXXXX XXXX BANK XXXX XXXX XXXX XXXX & XXXX BANKXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (OH).
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint: I filed a stolen card report with serv e two mon ths ago they never sent out a replacement card they refuse to give me my active funds. They keep saying a different date the " replacement card '' was sent out. When I  called American Express serve a representative told me that they dropped the ball no card had been sent out I have been without my card for almost three  months and missed payments on a number of bills due to this issue

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am a XXXX survivor twice and can not handle anymore stress at all! 
I am a mother of XXXX XX/XX/XXXX that need me and we are in too much hardship. 
I was sold a FLOODED FRAUD Car by XXXX XXXX XX/XX/XXXX. Car was taken by XXXX XXXX XX/XX/XXXX. They alll KNEW about this car because in XX/XX/XXXXI filed suit under XXXX XXXX Lemon Law XXXX and XXXX researched all in XX/XX/XXXX! 
The bank the lender the dealer made me stay and pay! I almost died in that car. It would come to a COMPLETE STOP at 60 and 55mph, On star callers engaged so many times from the car for HELP! Towing Repairs in Excess of XXXX over 24 months and payments and auto insurance. FINALLY XXXX XXXX NJ was mandated by XXXX to GET TO SOURCE OF ENGINE a year after the lemon law!!!!!! It was a Breach of Warranty!! NO ONE Replaced the car!!! I have no car!!!! No one did anything but take it over a payment behind after all I mentioned. The dealer did not obey the law. The lender kept saying they are sorry! NO I need all CARS on MY CREDIT REPORT REMOVED ASAP!!!! It is affecting my ability to get credit not only for another car but for my kids education and my medical health. They all did not honor the law. I should be refunded. I need this OFF MY CREDIT and STOP harrassing me at work all of them. It has to end. ALSO FOR a YEAR XXXX a month to rent a car!!!!!!! I was able to afford my car my issue was car never worked and was unsafe and the dealer and lender knew! I repeated myself every week every month as to what was going on and my lawyer to mandated they replace with the refunded deposit. No one replaced no one helped they came and took my car once fixed!!!! I had 4 weeks of peace and now no car!!! AND have zero cant get into anything with this mess on my report and my kids the loans all fell through this year with the damage to my credit. I am a XXXX XXXX of 30 years ago I work all my life, THIS IS A DISASTER! This car was a danger and fraud and 33 months of car payments and car insur and repairs towing and more now rentals unaffordable!! HELP! GET IT REMOVED

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 08-02-2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (CA).
Issue: Taking out the loan or lease

Complaint: XXXX XXXX 2016 Consumer Financial Protection Bureau - CFPB Let 's start with : " Usury is the act of lending money at an interest rate that is considered unreasonably high or that is higher than the rate permitted by California law [ and U.S. Law ]. '' My complaint : This is in regard to my credit account CareCredit of which all payments were made to Synchrony Financial ; also, there was never a late payment. 
According to their most recent statement my 2016 totals of the years to date are as follows : Total Fees charges in 2016 {$0.00} Total Interest Charges in 2016 {$220.00} Total Interest Paid in 2016 {$810.00} No new charges have been applied to this account in over a year. Further, please note that I opened this account approximately two years ago with no interest paid during the promotional period to open the account. If not paid in full within the first year, the interest rate is now applied to the overall balance in the second year, thus, combining the XXXX balances creating the interest so stated ( {$810.00} ). I was never informed of the 'combination ' creating that interest in dollars and cents. Had I, my decision knowing what the interest and payments would be would have definitely changed my position regarding the continued relationship with CareCredit. 

I have no problem with the arrangements during the promotional year and no problem with the interest added after the first year. It is combining the interest from the first year and adding it in thereafter, thus, the total interest amount that I am paying of which I base the term -- usury. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, et al do not go back and charge the first year interest free if the balance is not paid. Again, I would have opened an account with a lending institution had I known they were going to charge me {$810.00} plus in interest cost for such a short time. 

The dentist office called in the information for me and then I was approved. When I signed the agreement, I had just had a root canal so the part that supposedly stated all has to be paid in full or you will pay over 50 % interest was not clear ; nonetheless, this should not be allowed. 

In addition, when XXXX XXXX took over the balance, they sent me a bill for {$32.00}. 

Sincerely,

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 05/16/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NE).
Issue: Struggling to pay mortgage

Complaint: In  XXXX  of last year we were offered a " strea m Line  '' loan modification of our mortgage ; we had gotten behind on some of our payments because of some health issues my wife and daughter were having. They originally told us this would lower our monthly payment and would keep us from falling further behind. The agreement was we would pay {$890.00} fo r Three m onths then the loan modification would go though with our new payment. That would mean at the beginning of this year we should of had our new payment and been on a regular Mortgage. Unfortunately this has not been the case. I have had to call in my payments for the last 7 months which have caused me to inadvertently miss a payment . Ditech the  loan company has given me the run around for the last 5 months saying paperwork is on its way, or underwriting is behind or it was already mailed out. now the latest is well you missed a payment in   XXXX   so now we do n't know if you will get the modification, after we had been told for months the paperwork is already processed. I am so frustrated, the rep. even told me to just sell my house, I honestly do n't understand why they are treating us like this. We just want our modification done so it reflects right on our payments and then we can clean up our credit. I also wanted to mention that they sent a rep to our house at about  XXXX  at night while I was at work, when I confronted them about it they said it was n't them but it was   XXXX   XXXX   just checking to see if anyone was still living there, when would another lending company do that? so much miss representation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There are quite a few collections on my account that should have been removed by now but the initial date reported seems to change. I do n't believe that ; s legal and some of the accts have been charged off years ago and are now back on my credit report. These credit bureau 's are impossible to fight and seem to be able to get away with this type of stuff all the time. Please help if you can.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. ().
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX, 2016 I desperately submitted a complaint regarding JP Morgan Case. Case # XXXX. CFPB. 
Now again I am coming back requesting the same. I have continue to provide various loan modification packages to Chase to no success. I want to preserve my home. I am more stable now than ever. This is my primary residence. It is my understanding that CFPB is here to protect the consumer. I feel JP Morgan is giving us the run around .What else do we need to do to proof that I am out of those hard time and I am able to take responsibility for all that I s due. All I am asking is for a work out plan that is affordable. 
I need another chance. I just received notice that with in 60 day I will be out of my home Please advice of any out come. I will be contacting also HUD.

Company response to consumer: Closed with explanation