milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2017 about Student loan (Private student loan) with PENTAGON FEDERAL CREDIT UNION (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I refinanced my loan throu gh PenFed and it was ma ndatory to open an account with them which they call i t Regular Share.  They said that I do n't need to deposit any money to the account, and they 'll deposit a  XXXX  dollar  gift into the account for me. This  XXXX  dollars are unavailable and I can never transfer any part of it to any other account I have. Then I noticed that my monthly payments ar e 9  cents higher than it should be. I mentioned it  to PenFed and they conf essed that they do this unfair activity. They add that "  XXXX -dollar gift '' to principal balance of the loans . PenFed p robably makes couple  of million dollars only out of this unf air transaction. They have done more unfair activities over my refinancing process, thi s one was the most obvious and simple one.

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 11/19/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There was a student loan taken out in my name for XXXX XXXX XXXX XXXX in 1992 and I was living in XXXX XXXX at the time where there was no such school. XXXX had an address code linked to that loan and it was not linked to any addresses that I had lived at. A police report was filed and an affidavit was sent to the Dept. of Ed. accordingly. XXXX has properly removed the dispute, but Equifax has not and claims that are forwarding the paperwork to other creditors. A third party collection agency, XXXX XXXX XXXX, is now demanding payment, and they were sent the same ( police report, affidavit to Dept. of Ed ) but is now demanding paperwork all the way back to 1992, that no longer exists. With the Readings of both 15 USC 1681 et seq and the Fair Debt Collection practices Act, I have submitted all that is required under Federal law to eliminate reporting of this debt and this collection agency is demanding paperwork that exceeds the requirement of the IRS, which is the gold standard for such retention. Inclusive of requiring expenses that would put me in hardship as I am on a fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2015 about Student loan (Non-federal student loan) with AES/PHEAA (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Original amount of loan was {$21000.00}. I have been paying monthly amount steadily, yet current balance is {$24000.00} Interest is 5.78 % but seems to make no dent in amount of loan.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Student loan (Private student loan) with IOWA STUDENT LOAN LIQUIDITY CORPORATION (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: i have repeatedly requested via phone calls and this forum for a complete breakdown and explanation of any and all payments received, fees charged, etc. on my loan.     i have received some paperwork but it does not include breakdowns nor explanations.     i 100 % disagree with the balance.

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 06/29/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (TX).
Issue: Problems when you are unable to pay

Complaint: I co-signed on an auto loan for my ex-husband who stopped making his payments and Regional Acceptance placed me as primary on the loan. I have never seen this car nor is it in my possession. I have told them this hundreds of times and given them my ex 's contact information. However, they continue to harass me by calling my job daily and my cell daily. They are bullies and threaten they will take everything from me. They use scare tactics and treat me horribly. I am a single mom with XXXX XXXX daughters of which I do not receive child support or any assistance. I was unfairly made primary on this loan and have tried to be as cooperative as possible to no avail. The interest on this loan is almost 30 % and the balance never goes down, it continues to increase. Please help!

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 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I have tried to get this resolved with transunion countless times in regards to the inquiries on my report. Customer service was of no help. I was a victim of the inquiry issue they had and they put the inquiries back on my credit file without notifying me by law. I want them removed. 

XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX TOTAL 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 of XXXX 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 explanation
Consumer complaint received 09/13/2017 about Debt collection (Other debt) with Franklin Collection Service, Inc. (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX XXXX and XXXX XXXX, XXXX I sent Franklin Collection Service a request for validation of an account they say I owe from XXXX XXXX XXXX. Franklin Collection Service has not respond to both request for validation. Franklin Collection Service placed this collection on my XXXX, XXXX, & XXXX files in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have certain companies that say I owe money, and I never heard of these people and I lost my wallet 4 years ago. I know someone else is useing my identity ...

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NH).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My employer sent a check to the address provided by Navient, the servicing company of my loan, back in XX/XX/XXXX. I know the check was cashed because the money was withdrawn from my employer 's bank account. However, the money was never credited towards the balance of my loan. My HR rep and myself have called Navient quite a few times. The last person I talked to said she had no way of knowing if the check was cashed or where the money was, but suggested it might be sitting in a federal reserve account for lost money. She said that it was really the Department of Education 's problem at any rate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-08-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian and XXXX. 

Fail to provide complete Verifiable documentation of accounts reported onto my personal credit files contacted the company 's requesting proof of claim requested removal of unsubstantiated information over last 6 to 8 months. 
Experian- XXXX- XXXX # XXXX / XXXX -Acc # XXXX XXXX XXXX XXXX XXXX XXXX Att XXXX XXXX XXXX XXXX XXXX XXXX -Acc # : XXXX USPS Certified Mail Tracking # 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 Sent request to the original creditor No Response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Payday loan, title loan, or personal loan (Title loan) with Select Management Resources, LLC (NY).
Issue: Problem with the payoff process at the end of the loan

Complaint: I had taken out a title loan in Ohio against my XXXX XXXX XXXX  with the intent to use it travel back to XXXX XXXX  XXXX regarding my reestablishing my residency for the XXXX XXXX area. I had payment 's to make by XX/XX/XXXX paid that and XX/XX/XXXX a few days later on each because of my pay date but they were find with that. I lost my employment temporarily in early XX/XX/XXXX then finally in late XX/XX/XXXX/ early XX/XX/XXXX making payment. On XX/XX/XXXX I made a payment of XXXX which I was told by XXXX that was ok by that following Thursday I would have to pay XXXX. I called to pay XXXX. my payment was refused and I was told be XXXX that I had to pay XXXX my loan was for XXXX with a pay back set at XXXX I have paid off XXXX so far. This would leave XXXX they told me I need to come in person to refinance the loan and or pay off the loan ( two different things ) I was confused. I was to pay this last payment of XXXX on XX/XX/XXXX getting paid weekly for now would help me pay off the loan while I could they are refusing to take my money so I get my car taken. I live out of my car while I stay temporarily with a friend and wait for housing. That would have brought it down to XXXX. Then paying another XXXX this week would bring it to XXXX only because my pay is less I missed a day due to housing appt. I was late yes but I was on Now I am another week behind. but if I have so far paid on this loan XXXX I should not have to pay an additional XXXX if what is left is XXXX. I am being scammed and I was told I will loose my title after this Thursday XX/XX/XXXX if I don't pay the XXXX then come back to XXXX to refinance. Even if I owe now for the remaining balance they are trying to get beyond the loan.

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 01-10-2018 about Money transfer, virtual currency, or money service (Money order) with JPMORGAN CHASE & CO. (TX).
Issue: Fraud or scam

Complaint: To Chase Bank, a local branch, where I had an account for several years, I brought in a " questionable '' US postal money order. Let the teller in lobby know I was suspicious. Teller said to wait 3-4 days & if it cleared it would show up. I waited 3 days OVER the verification process before returning. Was told by same teller that it cleared & was GOOD TO GO. Three to 5 days later received mail that no it was fraudulent! Crooked as the day is long!!! Now they say I owe them! What a racket!

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ALL THE XXXX CLAIMS ARE FRAUD AS A RESULT OF ID THEFT HERE IS A POLICE REPORT THEY NEED TO REMOVE THIS THIS IS THERE FINAL OPPORTUNITY BEFORE I FILE SUIT AGAINST THEM

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is a debt of more than 10 yrs old that has been passed off dozens of times as a recent debt collection!! IF XXXX was original company owed to, back in early 2000 n has not been used since about that same time!!! Debt is no longer valid!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/26/2017 about Mortgage (Conventional home mortgage) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Trouble during payment process

Complaint: I have a  30 yr mo rtgage that was purchased and is now serviced by   Capital One. I have put the payments on Auto-Pay through my bank and have done this for well over 5 years.
For the last 2-3 years I occasionally receive a call and letters in the mail stating that I am behind in payments. Before I was terrified that something had gone wrong with my bank payment and quickly made a payment over the phone with their customer service representatives only to find out that in fact my account did pay out the required loan payments.
They were at it again earlier this year and admitted that they applied one of my payments as an " extra '' payment and then faulted me for not making a payment. The customer service repr  esentative apologized and said they would correct it.     Now again, I am receiving mail and phone calls stating I am behind. I have a flawless bank record of sending processed payments, never late. I think it is an administrative ploy to reel in late fees and/or alter loan status ' for their benefit. I do n't know how to get them to stop this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: OnXX/XX/XXXX I started a dispute of six different items on my credit report. I requested verification and validation of these items and TransUnion has refused to send me the requested information. Instead they sent me credit reports stating the information was verified to be accurate according to FCRA. I then requested them to send me the names of the businesses, addresses and phone numbers of those who have been contacted during the process. I also called and spoke with several different people and stated this is my right under the Fair Credit Reporting Act. Instead of providing the requested information, they stated that everything is computer generated and they could not provide the information I requested. I proceeded to say, seeing as how they could not provide the requested information they should have removed the negative items. On XX/XX/XXXX and on XX/XX/XXXX the situation is still not handled and as ofXX/XX/XXXX I had to put in a third dispute of the items.

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 05-09-2017 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CO).
Issue: Trouble during payment process

Complaint: I made a {$50000.00} principal payment on a {$300000.00} loan. {$2700.00} was carved out as a monthly payment, charging {$700.00} in intere st ( this is monthly interest charged for a 6 day period ). The monthly payment was paid 6 days earlier. THUS, Chase was effectively " stealing '' from me. I file this complaint for the sole purpose of alerting others. CHECK YOU R STATEMENTS, UNDERSTAND THE MATH. It should be assumed that a financial institution would be capable of processing and servicing a loan. If they ca n't do this, they should be banned from this business.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT CALLERS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CCI - Contract Callers Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. ( XXXX ) XXXX XXXX : XXXX XXXX me a collection letter on a debt that does n't exist. I phoned the original account holder XXXX XXXX and verified there was no debt. The account was clear with all on time payments. CCI is trying to collect money fraudulently by obtaining account numbers and posing as if there is an active debt. Once I contacted CCI they must " check the validity of the debt '' and will not send any correspondence regarding their invalid fraudulent claim/debt on the account. This business practice is unethical and needs to be addressed and investigated by the governing bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am in central FL which was considered a disaster state after Hurricane Irma. My other credit card companies were not reporting late payments until XXXX. I thought I made a payment to my Kohls card earlier in XXXX, but for some reason it didnt post. I completed it again on XXXX. Shouldnt the reporting been on hold based on the provisions provided by the Federal Government?

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (MD).
Issue: Trouble during payment process

Complaint: My loan was transferred from XXXX to Wells Fargo in XXXX of XXXX. Wells had my loan for approximately 10-years. They recently forwarded my loan to XXXX XXXX XXXX ( XXXX ) with a balance of {$230000.00}. 

There seems to be some discrepancy with the payments made to Wells Fargo. The balance forwarded to XXXX does n't seem to have deducted the amount of money that 's been paid to Wells over the 10-year time frame. 

So, I need an account of ALL payments made to Wells Fargo from the time they received the loan from XXXX XXXX of XXXX to when they transferred my loan to XXXX in XXXX of 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 08/17/2016 about Credit card () with TD BANK US HOLDING COMPANY (MA).
Issue: Credit determination

Complaint: I am respectfully requesting that Ally Banks processes be verified in regards to discriminating against lawful residents that are not U.S Citizens. I have experience discrimination in several degrees throughout the process of applying for accounts and a credit card with Ally Bank. I have never experiences any issue with other banks as my credit report portrays me as a reliable borrower, however, Ally Bank requested verification documents to prove my identity. After I sent my non-american passport along with documents proving that I am a U.S resident and bank account statements, Ally Bank still rejected my application. Every time I have reached out to have the situation analyzed, they have simply submitted my application for reconsideration without any updates or changes to their decision. I have been made very upset when agents would state that Ally Bank is an agency for U.S citizens alone as a I know that should not be the case. 

If you have any information that may be helpful to me, I would appreciate it very much. 


XXXX, XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (DE).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX, XXXX represented XXXX and XXXX XXXX in regards to their residential refinance. On the date of the funding ( XXXX XXXX ) we sent her payoff funds to XXXX XXXX, these funds on the payoff were good through XXXX XXXX. On XXXX XXXX ( 4 business days later ) we received a call from them saying this payoff was short. At that time the clients received called from them ( XXXX XXXX XXXX as well we received the following amounts from them advising us on the amount needed to get this mortgage paid off, the amounts were : {$1100.00}, {$190.00}, {$1100.00} and then the full amount of {$100000.00}. Once this was resolved over an hour phone conference with XXXX XXXX XXXX. # XXXX XXXX, our mutual client tried to pay this amount over the phone. We were told that XXXX XXXX can not accept payments over the phone and will only take certified funds to this short payoff. The client then followed the instructions and sent them via Fed Ex ( Tracking Number : XXXX XXXX the certified check in the amount of {$1100.00}. They stated that once this was received the account would be paid in full. Now fast forward to today, ( XXXX XXXX ) Our office received a check from XXXX XXXX in the amount of {$100000.00} regarding the amount that our office sent them back on XXXX XXXX. We are now back to square one. I have to now deposit this check and wire these funds back to them. I am concerned for the client that they are going to try to post late fees and this is going to be an on going process. The representative I spoke to now XXXX XXXX stated he has no notes in the system on the conversations over the past few weeks and will look into the employees that we spoke to so we can get this resolved. I feel immediate action needs to be done with this company. When this was going on even the employee XXXX was very sorry about this and stated to me that this happens all the time and they get a lot of complaints from people when they try to payoff their mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (NC).
Issue: Managing the loan or lease

Complaint: I was not able to get online to see interest that would be added to my account because when I signed up for the card it chose evil. XXXX came around without any notice from anyone knowing I could not get online and I was having to make payments over the phone a {$200.00} interest rate was added. I feel like customer service should have informed me bacauae I had no other way to be informed of the charge that was goingg to happen,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MO).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: This account was opened for XXXX care on XX/XX/XXXX. I had subsequent appointments but never received a bill until after XX/XX/XXXX with an attached late payment due. Immediately following with mass texts and mass calls from automated # 's. And furthermore, they sent the bill ( after 3 months ) to my daughters address which is 300 miles away and not the address that I gave them for billing. Obviously, if that wasn't my daughters address, I would have never received a bill and would be in serious arrears because of an error on their part. I called a # on the bill when my daughter sent it to me on XX/XX/XXXX ... XXXX, talked to a woman who told me that the text and calls are not from her company, but as soon as I hang up and think the problem is resolved, they are calling and texting again. Today i received more than 6 calls and 2 texts. This company says it is XXXX XXXX but does business as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX

Company response to consumer: Closed with monetary relief