milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: After trying to get PSLF forgiveness and being denied ( complaint #  XXXX  ) FedLoan servicing recommended a payment plan that would have been more than {$150.00} per month than I was previously paying. I called them twice to complain and was told the first time that my payment would be adjusted down and to ex pect one payment period of forbearance to get onto the new payment schedule. Just before the scheduled payment was due, I logged into the FedLoan website and noted that the payment was still scheduled and no forbearance was issued. I called them immediately and they again told me not to worry about the payment and re-issued a forbearance ( verbally ) and let me know the rate would be adjusted downward. Two days later an automatic payment was taken out of my checking account for the unadjusted amount. This caused an overdraft on my checking account. I tried twice to get this situation straightened out and their actions re sulted in an overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with Oportun Financial Corporation (NV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: We are very upset this company is checking my credit every month and I think it is also sharing this information with other companies in the last XXXX years I checked my credit 8 times and they send me letters every month up to XXXX letters with a credit that I I 'm not asked and they call me at night

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX / XXXX / Now AFNI : I never received a Collection Notice from either of these Agencies.. I had disputed this issue with XXXX, XXXX Deleted from my report back in XX/XX/XXXX. Now recently AFNI reported this to XXXX and has it on my report, causing it to reduce my Credit Score. This is Not Mine, I am totally unaware of where this came from. I 've had XXXX as my Cell Phone provider since the XXXX 's, Never had issues with them. Always Paid my bill and keeping my account up to date. Why would XXXX keep me as a Customer, owing an outstanding debt for over two years?

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (FL).
Issue: Loan modification,collection,foreclosure

Complaint: in XX/XX/XXXX we notified PHH MTG. that we were experiencing financial difficulty.they told us before they could HELP us we had to be behind XXXX mos. at that time we called again for HELP and were sent a packet to fill out and return, we did. during this time we put house on market with no luck. tried another realtor no luck. husband was injured on job and required XXXX and XXXX by XXXX. He trained for home inspection no luck there houses were not selling!!! XX/XX/XXXX wife retired. XXXX XXXX wife had XXXX XXXX requiring XXXX. HUSBAND TOOK JOBS WHICH DID NOT MEET OUR FINANCIALY NEEDS. STILL TRYING TO SELL HOUSE. NO LUCK. WIFE TOOK XXXX JOBS. XX/XX/XXXX ENLISTED AID OF HOPE filed the ANSWER. went to court XXXX-XXXX times by XXXX XXXX PHH told us that there was nothing they could do for us. " WHAT ABOUT OBAMA PLAN? '' XXXX XXXX ( which we did not even know was involved in our mtg. ) did not 'BUY INTO THE OBAMA PLAN!!?? XX/XX/XXXX we moved out and to FLORIDA. we have and are still getting paperwork request from them, we have had XXXX buyers back out due to inefficency of PHH TO move on sale. we have a XXXX cash paying buyer now who is threatening to bow out. a message just today from realtor for recent pay stubs AGAIN. WE JUST SENT AT THAT TIME RECENT PAY STUBS IN XXXX XXXX. OUR MTG. WAS ORIGINALLY WITH XXXX XXXX XXXX, REFI NANCE TO PHH WHO IS BACKED BY XXXX XXXX. OUR OPINION IS THEY ARE PURPOSELY PUSHING US TO FORCLOSURE. THIS IS NOT FAIR TO NEIGHBORS ( HOUSE IS BEING NEGLECTED BY THEM ), REALTOR HER TIME AND MONEY, AND MUNICIPALITIES. PLEASE HELP US THIS IS SO UNFAIR AND PAINFUL TO US. HOME PHONE NO. XXXX OR CELL XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Checking or savings account (Checking account) with BANKUNITED, NATIONAL ASSOCIATION (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I was given a counterfeit XXXX dollar bill by my bank and the bill was held by my other bank. I made a withdrawal from my Bank United branch on XXXX XXXX in XXXX and made a deposit to the XXXX on XXXX XXXX in XXXX XXXX. Bank United never replaced my money due to their having accepted a counterfeit XXXX dollar bill.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 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: Information is missing that should be on the report

Complaint: XXXX credit reporting agency is not reporting my XXXX credit card account which has a XXXX   balance. They are also missing information on my XXXX credit card account. I am also complaining because an account XXXX  XXXX XXXX that was previously deleted off my report is appearing again. It is showing as an adverse account. It was deleted now its re-appearing.

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 03/30/2015 about Consumer Loan (Installment loan) with FIRST CITIZENS BANCSHARES, INC. (GA).
Issue: Taking out the loan or lease

Complaint: I applied for a vehicle loan in XX/XX/XXXX with XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, GA. The loan was approved with collateral of the vehicle, however, the loan officer, XXXX XXXX XXXX XXXX told me that the bank wanted a Certificate of Deposit in the amount of {$5500.00} to be held for 12 months. Within that 12 months of payment history, if I paid on time the bank would release the {$5500.00} certificate of deposit. The CD 12 months period matured on XX/XX/XXXX, however, when I went to the bank today to retrieve my money the bank official stated that the CD for {$5500.00} was to be held for the entire loan period of 48 months or until I paid off the loan. 
The CD for {$5500.00} was not to collateralize the loan. I have the executed " Note, Disclosure, and Security Agreement '' that shows that the vehicle only was to secure/collateralize the loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-06-2017 about Debt collection (I do not know) with Navient Solutions, LLC. (IN).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Today I received a letter from my supervisor at work that I had a personal phone call from this XXXX from Pioneer Credit Recovery. I was extremely upset and embarrassed!! I have never not once heard of this company and certainly have not received anything via US Mail that I owe a debt to them. What are they doing calling me at work > Is n't this a violation? How can they just start harassing me at work when I have yet to receive anything documenting this supposed debt >?

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 04/24/2017 about Debt collection (I do not know) with Perfection Collection (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I realize that, Perfection Collection LLC from  XXXX  Utah, put information regarding a   XXXX   XXXX   account for  XXXX  $ to the Credit Bureau without contacting or notify me. I call and  XXXX   XXXX   XXXX  offer me a settlement for half of the balance, I say no because they is unable to validate the debt and beside of that is not licensed to collect in my State.   I`m sending certified letter today after couple of conversation with  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax continues to illegally report a credit report item that is beyond the statue of limitations. 

XXXX XXXX XXXX XXXXEquifax continues to illegally re-age the account line. I 've contacted XXXX XXXX directly and received proof from the company that they are no longer reporting the account any credit bureau, yet Equifax refuses to delete the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/17/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (IL).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I called Sallie Mae to try and get options for repaying my student loans. Currently, I am unable to pay them, as they are over half my monthly salary. I am trying to do the right thing, but they are not willing to work with me for repayment. I want my student loans completely erased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Experican refuses to remove the duplicate accounts on my credit report from XXXX XXXX XXXX after being provided proof of duplication.

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

Complaint: I was informed by Equifax Inc that during their XXXX 2017 beach my information potentially had been compromised. They have potentially improperly stored, shared and used my credit information. I am now at risk for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Credit determination

Complaint: I obtained a secured credit card from Bank America in XXXX XXXX. I provided {$99.00} and received a {$500.00} credit limit with the " opportunity '' to increase the limit and have my deposit returned after six months. At the same time, I was issued an unsecured credit card for {$7000.00} with XXXX. I used the BA card and paid the total balance faithfully over the next six months. At that time I requested and increase and return of my deposit. I was refused and told to re-request at my one year anniversary. Over the period of this past year I worked on restoring my credit rating with XXXX up to XXXX. Upon re-requesting on XXXX XXXX, my one year anniversary, I was again refused. The letter I received states my score on XXXX/XXXX/XXXX was XXXX. Not true it was XXXX. Many years ago, I incurred over $ XXXX in personal debt keeping a business open. I spent over 5 years paying off that debt as of XXXX/XXXX/XXXX. I have since re-established my credit and currently have other unsecured charge cards totaling {$12000.00} in credit limits with only XXXX % being utilized. I no longer have any serious delinquencies, no public records, and only XXXX collection on record of {$260.00} which I paid for in XX/XX/XXXX. I only have XXXX total inquiries over the last year, XXXX of which are the BA increase requests. I just lost XXXX points because I made this latest request from BA. I 've also been notified that I will be billed an Annual Fee of {$39.00} on my XX/XX/XXXX BA statement. I actually had to go back in my checkbook to XXXX XXXX to find out how much I paid BA for a deposit fee. It 's not listed on any of my statements. They have had {$99.00} of my money for over one year. Is this highway robbery or am I just dazed and confused? I 'm sure I am not alone ; there are probably thousands of poor souls out there like me. Thank you for your thoughtful consideration and being there for us citizens. I had nowhere else to turn and appreciate any assistance you can provide..

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 05/19/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: XXXX University, XXXX NY XXXX XXXX, XXXX, XXXX have been repaying my student loans for 10years. Between my federal and private loan payments the payments have been in excess of XXXX, ( private being XXXX ). Recently, I extended the terms of my private loans to lower the payments ( now XXXX in addition to {$280.00} federal payment ). I also took a significant pay cut and am living on my credit cards in order to pay for this and my healthcare plan. I have diligently paid the entire principal + {$20000.00} and they want an additional {$50000.00}. That is 170 % return on the borrowed funds. I do not understand why this is fair or unregulated. A mortgage with these terms would not happen unless I had the worst credit, and I have well above XXXX credit score. It is unsecured debt and I have done my duty. I do not think that NavientXXXX should be able to continue to hold this account in debt. I offered a settlement that was VERY REASONABLE ( 40 % of remaining balance ) and they declined the offer because my account is in good standing. They told me they will only consider settling my account if I stop paying, ruin my credit, become deliquent client for an extended length of time. Of course this makes even less sense to me. Please help me to get a fair settlement attained for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am on an IDR which did not require me to make payments, however I continued to make payments towards the  XXXX  stafford loans to lower the balance. As I am reapplying for the IDR, it has come to my attention that even though my checks which notate the accounts for which it is to be applied, half of my payments were applied to Loans I did not authorize to be applied.     For over 1 year I sent checks, through my bank, which notated each of the  XXXX  accounts. Navient states they are unable to help as the money has been processed and thus, unable to reverse. Over {$600.00} in payments have been mis-applied, which is horrific considering the difficulties to make the payments. I requested payments to be made on  XXXX  and  XXXX  loans, but were applied to  Student Signature Loans   XXXX ,  XXXX ,  XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2018 about Student loan (Private student loan) with SLM CORPORATION (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: On XX/XX/2018 between my father and I we received 8 phone calls between XXXX-XXXX. 
No one was on the other end answering and no messages were left. If I didnt answer the phone they would call my dads personal number, if he didnt answer they would call his work phone number, then they would call me again. It was a never ending cycle for almost 3 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I started a dispute for a transaction on my account on XX/XX/2018. BBVA Compass says disputes can take up to 10 days to be handled and will notify me if they need anything. 

Today, XX/XX/2018, I created another dispute for another transaction on my account ( from the same company ) and found they denied my previous dispute. I called the number provided asking reasons why it was denied. The gentlemen started reading MY dispute but did not inform me of the reason. I asked again for the reason which he replied he would contact the investigator. After about 15 minutes of this ( asking for reasoning ) he stated there was no evidence to support my dispute. I told him that was correct, there was no evidence why the company would charge me twice in one month for something I don't have. Again, he stated not the evidence for the company but for my side. I informed him that no one ever contacted me for evidence or the contract. This time he gave me an email to send the contract to. I asked for him to open both disputes again and please handle it properly. 

Any other merchant service will dispute directly with the company, BBVA Compass bank does not do this. I don't think they do anything. Their dispute process is completely fraudulent. When I asked for the company 's merchant services so I can dispute directly he refused to give me any information. XXXX won't let consumers directly dispute since everything is handled through the providers ( in this case the bank ). I still don't know the information for the company 's merchant service provider as I could directly dispute with them and they would help I am sure. 

I asked for a new debit card and they refused since they won't consider them fraudulent charges, even though I have never authorized the charges. 

BBVA Compass is not disputing anything, they simply sit on a transaction for as long as possible and then close it with no evidence or support. They won't even file disputes on the consumer 's behalf ( their member ).

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Other fee

Complaint: I have a credit card with Chase Bank. I set up automatic payment of full balance online. However, on XXXX XXXX, 2015, Chase Bank only debited my checking account for the minimum payment instead of full payment. I found out the mistake on XXXX XXXX, 2015. I paid the balance off immediately and notified Chase bank the mistake. 

Chase bank has charged me {$14.00} interest for six days for {$1000.00} balance. I informed Chase that it was its mistake not debited full amount of balance. I had more than sufficient fund in my checking account, and I had no reason not to pay the full balance. Nonetheless, Chase has refused to refund the interest it charged me in XXXX, 2015 and continued to charge me interest in XXXX, 2015.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-03-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (KS).
Issue: Trouble during payment process

Complaint: Chase  mortgage is trying to foreclose on my house stating that I was behind on my payments. Which I wa s one or two pay ments behind but they are saying I was 6 months behind. I looked back through all my mortgage statements and I ca n't really make sense of them. I do n't believe they posted all the payments I made to my account and I have proof of payment plus I have proof from my bank they cashed the cashiers check they required me to send. On my year end  XXXX  statement Chase took the whole years worth of payments and instead of deducting my principal by that amount they added the amount I paid to the principal. I bought my house in  XXXX  and by the year  XXXX  after five years of payments I owed as much as I bought my house for. I need someone to please help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: I used a template found on the CFPB site to dispute this account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since they failed to properly validate and send me everything that the CFPB says I can request.

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 03-05-2018 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: Information is missing that should be on the report

Complaint: XXXX XXXX is not reporting my account on my credit report. Please make sure this account is being reported ASAP!! The account number is 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 11/15/2015 about Credit reporting () with EARLY WARNING SERVICES, LLC (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Consumer # XXXXDispute Case ID : XXXXBank Name : XXXX XXXXReference : XXXXXXXXThe situation that happened is that I figured out that information was used to open an account on a financial institition and I contacted them to dispute this deposit accounts. They contacted me and removed me from any liability from those accounts however Early Warning will not remove this inaccuarate negatative reporting from my consumer report. 
I have attached a police report.

Company response to consumer: Closed with explanation