milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: From the very beginning my loan servicer has been deceptive and taken an approach that has guided me towards bad decisions, including avoidable deferments and forbearance 's that were not explained. I assume this sales-ish approach is geared towards growing their fees and interest charges - and eventually their principal. I accept some responsibility for not being better educated on the subject. However, when I ran out of remedies, I was guided towards remedies that they said would only be available in default. Now that I 'm in default, I see what an awful decision that was due to fees. They also transferred lenders from American Education Services ( which is owned by Pennsylvania Higher Education ) to, none other than Pennsylvania Higher Education so that they could recapitalize fees and unpaid interest, and then charge yet another round of fees and interest on the increased principal. I do n't know if this extremely deceptive practice is legal, but it should n't be. It certainly is n't ethical to conduct a slight of hand that unfairly grows the principle amount without my knowledge. 

I feel like every stage of this process has been deceptive, misleading, and designed to gouge well-meaning borrowers like myself. I find myself stunned that any of this is legal. I borrowed about {$27000.00} for school, and now I 'm on the hook for {$41000.00} because they guided me towards default programs that charged me 19 percent up front to be treated like vagrant. And unless I can somehow pay the whole thing off, it 's going to keep growing. 

Yes I fell behind. But I had a long period of unemployment and have only recently gotten back to normalcy and a reasonable income ( which works against me apparently ). I just want them to slow the wage garnishment process because I know that EVEN MORE fees are coming with it. I am working on a way to pay the balance an roll it into a mortgage on a family home at a better rate, but it takes time. And the more they grow their piece of the pie, the more impossible this remedy becomes.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am trying to refinance my property and the bank pulled a copy of my credit report from Equifax. In the report it shows I have XXXX public records " Judgements '' against me ''. I contacted XXXX XXXX Superior Court and forwarded the copy of court hearings I was involved with showing there is not a Judgement against me and forwarded a copy of actual minutes and certified orders and final rulings to Equifax. 
Although it shows both cases where dismissed and no Judgement was issued against me Equifax refuses to correct its records and remove the public records from my credit report. I have written to them and called them several times but they refuse to comply. I was even forced to become their member so they can discuss my case and was forced to pay several fees at the end they just took the money and did not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2018 about Checking or savings account (Other banking product or service) with WELLS FARGO & COMPANY (TX).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: My account was closed because the business i set up was under a XXXX " XXXX XXXX XXXX XXXX " which does not matched my name. I opened the account with my first two check that i got. I was already advertising and working with my XXXX. I opened my account at my local wells fargo bank. with no hesitation they took my money and deposited. other to say that very conviniatly for the back the teller that opened up my account summited my social security and i tin number incorrectly. two week later i got a latter in the mail stating that my account had been closed XXXX XXXX 2014. since then I 've been calling for three years non stop to get my funds back i have talked to many representatives and have given them XXXX certificate a copy of my drivers license, rent with my business name. i still have no luck. i will take all matters into consideration because is a form of theft.

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 02/15/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I was speaking to a manager named " XXXX '' he was ok to talk to and when I called to speak with him to pay it off as it was a pay to delete the woman on the other end of the phone who was the " manager '' on duty she told me to go XXXX myself and other prophanity they do not pay to delete. I was promised over a recorded line they would delete this and it would not affect my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/14/2015 about Debt collection (Medical) with Capital Accounts, LLC (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: On XXXX XXXX 2015, at approximately XXXX CST, my wife received a call. The call was from a man, a representative of Capital Accounts ( XXXX ) who said his name was XXXX XXXX. He stated that he was calling about an alleged debt for me, XXXX XXXX. XXXX requested that my wife verify her identity. My wife, XXXX, refused to verify her identity to some strange man over the phone. Then XXXX gets the brilliant idea of asking my wife to verify the account holder and proceeds to release my entire social security number to an unverified third party over the phone. The debt was related to a medical office which I 've never entered. Further, upon contacting said medical office I was told that they do not have a record of my social security number and could n't have released it to the collection agency. 

In summary, I was contacted by " XXXX XXXX '' of Capital Accounts ( XXXX ) about a debt that did n't belong to me. XXXX XXXX found and released my full social security number to a third party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I had gotten XXXX student loans through Sallie Mae, the XXXX was a loan that would not require any payment till I was out of school. The XXXX I had applied for, to my understanding, would be the same as the XXXX. Come to find out a month and a half later I was behind on a payment of XXXX dollars. No big deal, but it was never explained clearly that I would have to make those payments while I was still in school. The six months then passed since I was out of school and I was to start making the payments on my loans, it was about XXXX dollars a month for XXXX not bad that 's deal-able, a few months afterwards my payments pretty much doubled, and I have been struggling to keep my payments up to date and current ever since, all to save my credit so there would be no bad marks on it from falling behind on a student loan. It was starting to get difficult so I had called looking for help but came up empty handed. So I tried to just deal with it. Well the time had come where I had finally fallen behind and had been late on a payment, so I called looking for help again. Again I came up empty handed, they did n't want to talk to me and only offered a forbearance. I then became two months behind and had called, again only offering me forbearance. Three months behind due to financial problems, and still the only thing offered to me was forbearance. I was finally able to get caught up with no help from Sallie Mae, but shortly after I received a letter in the mail from them. This letter consisted of options that could be offered to me and that I could apply for to help me with the process of paying my loans back. I called to ask about these options and was denied again. they told me they had no idea what letter I was looking at because they had no record of sending anything to me, both me and my cosigner received the letter the same day. I called and complained to Sallie Mae demanding to know about these options but because I was caught up they could no longer offer me anything other than, you guessed it, forbearance. I then filed a complaint with the XXXX and the next day Sallie Mae called to get my side of the story. Today I received the follow up call from talking with Sallie Mae, they were to review my case and find out what they could do for me. Again they gave me the same run around of you 're loans are current we cant do anything the only thing we can offer is forbearance. I have called and asked and asked and all I get is sorry we ca n't help the only thing we can offer is forbearance. All I want is help, but they have done nothing to help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Payday loan, title loan, or personal loan (Payday loan) with Golden Title Loans LLC (TN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: On XX/XX/XXXX I applied for a loan, with XXXX cash. I went on line. and the manager XXXX XXXX XXXX sent me an email. to me stating she was Not going to let me apply for a loan due to a loan was taken out in my name in XX/XX/XXXX. stating that, was the reason. Not letting me come in and make arrangements or proving that person was not Me. She has since XXXX XXXX, and she used all of the information that was in my files, to get cars. loans and other items. She XXXX two months ago, and before she XXXX XXXX. she told me she was sorry she had done this me,. and other people with the same name and almost the same social security number. So XXXX XXXX should have told me to come in with the report from the credit bureau to show this adversity had been on my account some while. and alerts have gone out for this matter, XXXX XXXX being a lazy and incompetent manager, did not even look for that at all. she simple turned me down and kept going. and she wrote to me a sleazy statement and stated to Me she was not going to let me have a loan. Ok, that is a form of discrimination due to the fact, I have the paper work to show I am not that person and information on my credit files have been damaged. she did not do that for me. the solution should have been to come in and show the files and start from there, or work a payment plan for the remainder of the loan. this lady did none of that. I want to file against this company for alleged information and not looking forward to the correct information that has been placed on each of my credit files. She should have done a better job in her research and not turning people down. she is not supposed to do people like that Is n't she in business to perform. her Job. she could have state home today with her derogatory statements Because i CLEAR DID NOT NEED TO HEAR THEM. SHAME ON YOU DO A BETTER JOB NEXT TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Since Capital One took over XXXX XXXX I can no longer access my account online. I closed this account years ago but I still have a balance and continue to make automatic payments every month and got an online statement and notification via email when my payment was due and the payment amount due. about two months ago I stopped getting notifications so I tried to log into my account and could n't get access. There was a notice on line that I had to re-authorize my account since the take over. When I tried to do this I had to enter my account number which I did not have since I destroyed my card when I closed the account. I contacted customer service to get my account number and was told they could not give me the account number and that 's the only way I could re-authorize my account. So without the account number I could n't do anything. On my statement that I now receive instead of receiving on line, it only shows the last four digits of my account number ( XXXX ). My payments automatically post on the XXXX of the month and this month it did not post until the XXXX so I called Capital One to see why the payment did n't post till the XXXX and again to see if I could get access to my account. I was told that they no longer allow access to closed accounts on line. I asked them how I can check my balance to make sure my payments go through and to monitor my account and they told me I will now get a paper statement every month. They is fine except if something goes wrong I will not know it until the end of the month. Since I have had problems with other accounts being hacked I check all of my credit cards, debit card and bank accounts activity at least weekly to ensure that I 'm not getting hacked again. Without online access to my Capital One account I can no longer check. Can Capital One legally refuse to give me online access to my account?

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IN).
Issue: Fraud or scam

Complaint: I own a XXXX. I entered into a contract withMoneyGram to become an XXXX. An employee ofMoneyGram contacted me saying the lease wasexpiring on the terminal they furnished. Longstory short my business was scammed out of {$38000.00}. I have proof it was an employee ofMoneyGram and I am still being sued. 
MoneyGram did not cooperate with the policeor my lawyer. My attorney asked for proofthat the money was paid to whom, when andwhere. We were told the information wasirrelevant. I need help I am being scammed2x by the same company

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: did not give authorization to access and use my report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hello, I noticed that I had a lot of inquiries that I did n't not authorized I spoke with someone at  XXXX ,   XXXX   and  XXXX  they told me to send in a dispute with all the inquiries. I did that then they told me they could n't do anything I have to contact the creditors myself. my report correctly have a fraud alert due to all of the misinformation I 'm trying to get cleaned up.   XXXX   told me to place a fraud alert on my report and dispute any inaccuracies but now they do n't want to help me. I placed a fraud alert on all  XXXX  of my reports and disputed all of the inquiries that I did n't authorized.

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 TOYOTA MOTOR CREDIT CORPORATION (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XX/XX/XXXX To : Toyota Credit Research Team, Account number : XXXX Ive been approved for two payment extensions for my XXXX Toyota XXXX beginning XX/XX/XXXX. Since then I have signed the agreement and mail it out to the address on the agreement Toyota Motor Credit XXXX. XXXX XXXX XXXX XXXX, IA XXXX. I Waited a week and contacted Toyota about the status of the extension since I didnt see it reflected on my Toyota account. A representative stated that they didnt receive the agreement that I mailed in so I refaxed the agreement again. Call again and another representative stated that the fax wasnt received and the extension had expired. They emailed me out a new extension agreement on XX/XX/XXXX. I continued to faxed the agreement several times to the number ( XXXX ) XXXX, Spoke to several representatives all of them gave me the same response, stating they never received the fax so I spoke to a supervisor and she advise me to fax it again and they would honor the last two extensions. Since then I have fax it total of 10 times it was costly and time consuming at best. This has cause severe damage to my credit rating and credit report. It has caused a string of late payments to my credit report. I am asking for those late payments to be adjusted due to the extensions that werent honored from XX/XX/XXXX the negative marks from XX/XX/XXXX on are incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: These inquiries below should be deleted asap. I have attached email proof I did n't request company submit my deal to all these banks. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX All Banks

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (PA).
Issue: Unauthorized transactions/trans. issues

Complaint: I am trying to dispute a transaction with blackhawk network on a prepaid visa card. I have submitted the dispute form both via fax and email, but have not received any confirmation that the dispute form has been received and is being processed. 

I have called several times and spoke to several different departments and no one can get me in contact with the dispute team for a status of my dispute. Their terms state they can only accept disputes that are initiated within 60 days from the transaction, but fail to even provide a confirmation of receiving the dispute or the status of the dispute XXXX. 

I am at wits end and this involves {$500.00}, which is a lot of money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am always CHECKING for TOTAL COMPLIANT & CERTIFIED COMPLIANT REPORTING that gives testimonial and irrefutable PROOF of the undeniable TRUTH, correctness, completion, timeliness, ownership of, responsibility of, and compliance and or else wise for any and all items accused, even any and all aspects of allegations. 

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF : XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED ADDRESSES OF : XXXX XXXX XXXX  XXXX XXXX, XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, WA XXXX A notarized Identification has been attached

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 02/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recieved a letter requesting payment on a debt that may have been my former wife 's. We we divorced on XXXX XXXX 2007 and her debts were discharged in bankruptcy in 2007. I have never had an account that they are claiming. And if I do not respond to them then they are claiming I am accepting a debt I never had to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation