milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Student loan (Private student loan) with First Associates Loan Servicing LLC (IN).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have a loan currently through XXXXXXXX XXXX XXXX that I got during my schooling through XXXX XXXX. I was never aware that I even signed up for this loan until my loans started to come in. From my understanding I only had Federal loans, so I have no idea when this loan even came into being. My current interest rate is far to high and the payments are unreasonable. When the payments started coming in it was a repayment of about {$430.00} at a 16.5 % interest rate. I was unable to afford this, so I tried to defer which was only allowed for 3 months. This did not help me at all, because my income at that time was not enough to juggle that, food, and other necessity for my kids and myself. This means my only option was to allow it to hit my credit because they would not work with me. The payments still remain at {$430.00} even after paying and trying to reduce my payments, my interest rate has now risen to 17 % even with paying my bills on time for the last 6+ months, and my credit is poor due to them hitting it because I was unable to afford the payments before so I am unable to refinance the loan to get lower payments and interest rates through another company. They have made it near impossible for me to be able to actually ever pay back my loan or even stay on top of it so that I can rebuild my credit. I am looking for any sort of help or suggestions I can get on how to move forward so that this is not a constant burden to my financial well being.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX said i didnt have credit history and XXXX and transunion cant seem to fix my credit with the inaccurate information they need to fix that asap

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 04-01-2017 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: I co-signed for my son and toyota did not pick up the payment from XXXX XXXX because according to toyota motors they had transitioned to XXXX but toyota still took the vehicle and allowed the reinstatement he paid about {$2400.00} for toyota motors to turn around and take the truck back from him and said the account had been closed since XXXX. I tried to refinance the loan and made Toyota motors aware but in the process they ended up asking me to pay {$350.00} for them to release the payout amount to the new refinancing company and auctioned out the vehicle. My credit was ruined and my son and his family ended up with no truck after toyota made that mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: I have several medical bills from XXXX XXXX hospital which are in collection with XXXX XXXX XXXX. I have no medical issues, ive never been to this hospital and tjis bills are on my credit. I have dispuyed them several times along with a utility bill and several inquires on my credit that are UNAUTHORIZED by me. The credit bueraus always return the dispute VERFIED but i dont know who or where they are verifying this belongs to me.

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 06-08-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My name is XXXX XXXX and I am trying to find out from Wells Fargo Home Mortgage why has my mortgage payment went from {$860.00} to {$1300.00}. The Loan Number for this complaint is : XXXX XXXX XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA. XXXX. 
I need a complete detailed break down of all charges that Wells Fargo Home Mortgage is charging me for this mortgage including any escrow charges and any Escrow disclosures explaining exactly why my mortgage went from {$860.00} per month to {$1300.00} .If this charge or any charges on this mortgage are incorrect or in error or misapplied by Wells Fargo Home Mortgage please immediately send directly a refund by check to me and my husband. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Prepaid card (Mobile wallet) with Google Compare Credit Cards Inc. (VA).
Issue: Managing, opening, or closing account

Complaint: I have had a Google account for 8+ years, and I have had a Google Wallet account for over a year. Recently, I requested a Google Wallet XXXX which is a co-branded XXXX debit card ( essentially a prepaid debit card ). On the morning of XXXX XXXX, 2015, I received an email that my account was temporarily blocked due to suspicious activity that I reported to Google. When I called in, I was unable to speak with anyone in the Risk Department. Then, I received another email this time indicating that Google had flagged my account for fraudulent activity. There were no improper transactions on my account. The third communication from Google indicated that they had to close my account, and there was nothing I could do because they had the right to close any account at anytime without notice and without liability if the terms of service were violated. I do not know what I did wrong, and I guess I never will. 

I was an XXXX for a number of years, and we never closed accounts without providing specific reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2016 about Debt collection (Medical) with The TRAF Group (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a hospital bill that shows no insurance coverage however, I was insured. They billed the medical expenses to my former address instead of my current. I did not realize this was a bill in collections until this year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Since XXXX 2013 when Specialized Loan Services was assigned as Service Provider for my loan, they have refused to send me monthly statements, respond to my written requests ( and via multiple phone calls ) for explanation of misc charges applied to my account. They will not tell me where the overage of {$520.00} in payments I made went to ( was not applied to principal or put in escrow ) and they continue to raise my mortage payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I complained to you several months ago about this same issue. I went through the process of obtaining my report online. I went through the process, completed the form, answered the questions and this pops up. They need to fix the EQUIFAX website. the XXXX and XXXX websites work fine. Without a report number, have you ever tried to call one of these places? I rather chew my hand off. 
I was denied credit recently and I want to see the report. I would prefer they fix the website but, if they have to, then place a copy in the mail but, only as a last resort. It 's a waste of paper

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

Complaint: We have submitted the application through my servicer " Setrus Inc '' in late XXXX and verbally offered loan modification with the same rate in XXXX XXXX ( Note that, we did n't received any formal offer letter by post at all ). As the monthly payment amount was not reduced, we will be continue in a hardship situation. Immediately know the news, we wrote appeal letter dated around XXXX XXXX asking for further review. I did made a few calls to XXXX the status but up to date, we still have n't got any response from Setrus Inc and XXXX XXXX, but not much response from them. 

Around XXXX XXXX, we got a call from XXXX XXXX from XXXX Help Center ( Network In Partnership with XXXX Tel : XXXX ). We had an interview with her and again, we did the application from them as well around XXXX XXXX. 

Recently, our tenants stop paying rent when they receive the court documents and we are currently have to go through the eviction process and also incurring property damages which leave us big repairing bills. Due to loss of income, our payment plan also missed a few months with HOA. Our hardship continues and also more worries. 

We will try all the possible options to prevent the home foreclosed and we are fighting against the time for the in progress on FORECLOSURE CLAIM. Further delay for review the application will put more burden on us as all the legal fees will be added up very quickly and we have difficult to rent our home as when tenants know the home in foreclosure situation. 
We are currently work overseas due to the current job situation and be relocated. This will be our main home when we will back to XXXX to live and we are willing to try all the possible assistance to prevent loss our home. We are prey for the help and prey to give us a trail chance to keep the home. 

Time is quickly running out and we are extremely worried when check the court case progress status at Summary Judgement Stages. However, I was told the case is still the review stage and It has been in this stage for over 10 months now without any further progress and also no letters from them! 

your urgent help on this matter will be greatly appreciated. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (DE).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: On XXXX XXXX, 2017, I applied with Capital One for a Credit Line Increase - I was denied. I was able to open a new line of credit with Capital One. I was advised by a representative - even though my exposure would remain the same, I would be unable to merge the lines to one Line of Credit. I also was advised that ALL credit decisions are computer-based and their company does not take part in judgmental lending, period. Both requests were made same day, within an hour. Judgmental lending is necessary for a healthy credit relationship, as computers are not as smart as we give them credit for. These actions make NO SENSE.

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NJ).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Nuisance security calls, blocked credit card accounts, and blocked security emails are problems I do not want from my credit card issuers. Citicard has failed in all of these areas. I do not want to waste my time answering questions about potential fraudulent {$10.00} charges. I do not want to have telephone conversations under intermittent holds and speaker phones. I do not want my credit card to be limited by potential fraud charges which Citicard will not identify to me. We apologize for any inconvenience, but to protect your account, further charges may be limited until you have contacted our Customer Service Department. <P/>My emails under the Secure Message Center a safe convenient way to contact us about your account. Here you can send, receive and update messages securely to get answers about your account. NOT. My emails have now been blocked. ( See attachment ) My other card issuers do not present these problems. They do not use security as an excuse for poor performance and poor procedures.

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 06/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Seattle Service Bureau, Inc (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid the XXXX an amount of {$390.00} on XXXX/XXXX/2016 to pay my past due amount on the final move out amount. The account was taken to a collection agency on XX/XX/2016. I have since contacted the collection agency to advise that I paid the account in full to the creditor. The agency will not cease collections and update my credit file to show that I am paid in full. The name of the collection agency is the National Service Bureau. Their contact information is XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX, WA XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I sent three ( 3 ) similar letters to all three credit bureaus, XXXX, Equifax and XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. On my letters it list the accounts. However, I the only thing I have received back was a letter stating verified which is unacceptable. Despite three written request, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Student loan (Federal student loan servicing) with PERFORMANCE FINANCIAL, INC. (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I filed bankruptcy, I called the company who never sent me a letter to reorganized the loan, they just put notes in their computer every time I call and just transfer me over to voice message. I can not get a live person. 

the offenders are XXXX and now with XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 11/22/2016 about Debt collection (I do not know) with Hillcrest Davidson & Assoc (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: An alarm company install an alarm system with out my permission, someone else sign the contract and it wasent me, i dont know if they sign with my name but since the house is on my name now the collection agency its telling me that am the one that has to pay the money owed wich exceds the {$3000.00}, before the account was sold to the collection agency my mom contact the alarm company and told them that the owener of the house never aprove or sign any contract for them to install the alarm system and they told her that I was the one that was supposed to call and tell them that because the house was on my name, wich is very weird because when they install the system they didnt care if i was there or not or if it was me the one that sign that contract ( wich it wasent me ). When i was talking to the debt collector he hang up on me before i finish talking. I also explain to him that I never sign any contract and he told me that i was responsible because the house is on my name. I ask him that how come when they went to install everything they didnt ask for an ID to verify that it was me and he said that that was not a requirement, than when they go to the houses and someone opens the door for them and give them permission to install the system they go ahead and do it but the ower of the house its responsible, wich i think its very dumb cuz how can i be responsible for something that i didnt aprove. I also explain him why I told my mom to contact the alarm company on my behalf because i work from XXXX to XXXX or later and its hard for me to make phone calls. I dont understan why when my mom call the alarm company to tell them that they need it to go and take all the equipment because i never aprove that, they told her that i was the one that was supposed to call not her because the account was on my name but when they went to install everything they didnt care if the owener of the house in this case me was there to aprove it.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit card () with JPMORGAN CHASE & CO. (PR).
Issue: Billing disputes

Complaint: Chase Credit Card Bank, after I had closed my account and paid off any and all outstanding balance, for which they gave me confirmation of receipt of payment, created new debt on that closed account. I was unaware off this till I received a letter of debt collection months later, not in the form of account statement, claiming principal, interest and late fees while they were no longer sending me correspondence nor statements, as the account was closed. They have maintained a rigid and dishonest/abusive posture, at no time did they openly acknowledge the payment I had made to close the account, not honoring the confirmation of receipt of payment number they had issued me. The person handling the case at the executive office, XXXX XXXX, demonstrated a total lack of ethics, of basic honesty and of basic decency in my repeated dealings with her. The only way for this person to answer my requests has always been following my repeated complaints with the CFPB. As the agency has no power to arbitrate, XXXX XXXX has been free to bully me without any sign of human conscience whatsoever into paying the debt illegally created by the credit card department at Chase. 
I have recently requested from her a final statement in order to cut my losses, stop the abuse and dissociate myself from such an institution and such an individual. 
So far my request has remained unsatisfied. 
As I can not fight the case via this agency, and I do n't reside in XXXX, DE to defend my case in person, I hereby reiterate my request for a final statement in order to pay what she/the bank wish to extort from me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Grant & Weber (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Company is unlawfully attempting to extend the time limit on this account by reporting inaccurate information by falsifying when this account initially became delinquent. I have sent certified letters requesting validation which they have failed to respond to, but have illegally responded to the credit bureaus by verifying this debt as valid when the disputes have approached your office. I called your office on XXXX XXXX, 2016 and spoke to a man named XXXX. When I asked him to verify when this account was opened or became delinquent, he stated that he has no record as to when this account was opened or became delinquent and that they place random dates on credit profiles.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Consumer Loan (Installment loan) with Enova International, Inc. (VA).
Issue: Problems when you are unable to pay

Complaint: I am seeking relief from the high interest loan I have with Net Credit Online loan account XXXX the annual percentage is 98.6 %. I am trying to workout reasonable payment arrangements or a settlement amount I have a home I fought to keep to avoid forclosure and unable to pay the mortgage and anout to loose my transportation to work because I have several online loans and most of my biweekly check is taken from these online advancea who claims that they are not a payday loan organization. I want to do the right ththing I did take the loans out and did not realize the consequences it has cause my family and I. I do not want to avoid these lenders by closing my bank account. I 've worked out a payment plan with the payments reduced with no interest with Cashnet however I am not getting anywhere with Net Credit XXXX and XXXX financial. I am looking for help assistance please.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation