milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/13/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (GA).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: calls 3-4 times a day saying I owe a debt. I acknowledged that I owed the debt but still keeps harassing me. called this morning XXXX/XXXX/2016 at XXXX. and calls frequently through out the day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (NJ).
Issue: Using a debit or ATM card

Complaint: Received unsolicited Visa debit card from netSpend.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Debt collection (Federal student loan) with The CBE Group, Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have previously submitted a complaint against CBE Group XX/XX/XXXX for contacting me after a cease and desist was requested. Please see [ Case number : XXXX ]. 
On XXXX XXXX XXXX at XXXX I received a call from CBE Group ( XXXX ) then again on XXXX XXXX XXXX at XXXX Mountain Standard Time. This is harassment and the company previously assured me I would not get any more calls. They are in violation of my rights as a consumer. Each violation carries a {$1000.00} fine plus damages. I have my phone records for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Application, originator, mortgage broker

Complaint: Bank of America is my investor for my XXXX mortgage and XXXX XXXX is my servicer. No one seems to be able to tell me why I did n't qualify for the National Mortgage Settlement to lower my principal or get refinanced for a lower interest for my XXXX mortgage that is owned by Bank of America. I would like to be able to refinance for today 's low rates per the settlement agreement. I keep getting the run around and was actually told by a Bank of America employee that Bank of America does not own any loans and that I must be mistaken.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: SPOKE WITH A MANGER TODAY AT XXXX XXXX XXXX XXXX AND SHE WAS EXTREMELY RUDE AND TOLD ME THAT THERE WAS A 60 DAY LATE ON MY XXXX XXXX CREDIT CARD. THIS CARD HAS NEVER BEEN LATE AND DEFINITELY NEVER BEEN 60 DAYS DELINQUENT. THIS ERROR IS KEEPING ME FROM GETTING APPROVED FOR A CAR LOAN PER THIS MANAGER I SPOKE WITH TODAY. UNFORTUNATELY I DONT REMEMBER HER NAME BUT SHE WAS RUDE AND WAS A LENDING SUPERVISOR! I HAVE LOOKED AT SEVERAL DIFFERENT VERSIONS OF MY CREDIT REPORT FROM SEVERAL DIFFERENT SOURCES AND NONE OF THEM SHOW THIS 60 DAY LATE. BUT XXXX SAYS I HAVE ONE. WHICH IS INCORRECT.

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 09/25/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX I am attaching this XXXX account they are not reporting this as a retail account and they are also not saying that this was closed by myself not by the credit granter which if effecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with North American Credit Services (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In  XXXX  of 2017, I paid back a medical in the amount of   XXXX  . The creditor North American Credit Services advised me that once the amount was paid, the trade line would be removed from my credit. As of today,  XXXX / XXXX /2017, the trade line remains and has not been updated AT ALL. It is continuing to impact my credit when I was advised it would no longer. Instead, this company left the full amount on my credit report and just stopped providing updates, which is an FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: I took out a loan with Ace cash express for {$2500.00} and agreed to pay biweekly payments of {$270.00}. I made enough payments to have paid off the {$2500.00} but of course with the interest in was being charged I was barely paying towards the principal. I felt into a financial issues and could n't afford to pay the biweekly payments set at {$270.00} and so I contacted them to set up arrangements to continue to pay them. I asked them to stop and or discontinue any automatic payments from my bank account and yet they continued to go into my account despite my request. When I called them can supervisor XXXX stated that the representative failed to document such request but that anyways I had an obligation either them and they could and had the right to go into my account to get the money. This upset me tremendously because I felt as if my rights as a consumer were being disrespect just because I felt into a hardship and could n't pay. Please help xoxo they call me 5 times a day and I am XXXX and they have continously continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (SD).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I received bad information about my loans over the years from XXXX XXXX, which is now called Navient. My private loan amounts have continued to sky rocket even though I 've made payments. The interest is outrageous and continues to go up. I feel like i 'll never have them paid off. They have charged some unconstitutional fees that I do n't think should be added when you are trying to pay off your students. Navient/XXXX has never really been a company that is workable. I 've always seemed to go circles with their customer service and getting different answers on my loans. I do n't feel like there is any relief in sight. I have trouble with how the payments are handled back since I graduated in XXXX from XXXX. XXXX closed their doors officially in XXXX of XXXX, and they have given me the run around on why their doors were actually closed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I asked that they not call me during my work hours of XXXX to XXXX the lady advised me that it 's all computer generated and they can not control what time they call me. She then asked me that in order to stop calls I make a pay ment arrangement which was fine however she told me I could not make an arrangement unless I gave her my credit card or bank info now and authorized her to run that payment on that day which I know is unacceptable. I advised the calls need to stop which could cause me to lose my job. I will file a law suit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (NJ).
Issue: Managing the loan or lease

Complaint: I paid off my 2012 XXXX XXXX with XXXX XXXX. I did a Bank Transfer to XXXX the same way a paid my payments each Month. The money was deposited into their account on XXXX XXXX. They will not send me the Title to my car until XXXX. I gave them my XXXX number to overnight my Title and they refuse. They are paid in full. I want my Title. I sold the car and the buyer is really mad! He wants the car.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XXXX is being used a scapegoat/diversion/cover-up for the malicious activity that happened to me and for what is potentially happening to other unsuspecting citizens/civilians/consumer of Citibank N.A. services.
There is NOTHING on my XXXX consumer credit report to dispute ... 

This continues/appears to be a matter of collusion and suspicious/malicious intent on behalf of Citibank N.A. 

What XXXX information was used to reduce my credit line??? 

My XXXXX consumer credit score ( over 700 ) during the time this incident happened is attached to this complaint. 

After paying down debt to reduce my debt to credit ratio, Citibank N.A. reduced my consumer credit line from {$4000.00} to {$1900.00} causing a debt to credit ratio INCREASE which negatively impacted my consumer credit rating and consumer credit scores with ALL major consumer credit reporting agencies. Up to XXXX XXXX XXXX, my Citibank N.A. line of credit for my Home Depot credit card was {$4000.00}. On XXXX XXXX, XXXX, 4 days AFTER Citibank N.A. received my {$2500.00} payment, Citibank N.A. reduced my Home Depot Consumer Credit Card line of credit to {$1900.00} thus causing my debt to credit ratio to increase from 38 % to 83 %. My Citibank N.A./Home Depot consumer credit card credit reporting payment history is immaculate/on time/never late across all three credit reporting bureaus since XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, at approximately XXXX CST, I was told by a Citibank N.A./Home Depot Credit Card Services representative ( XXXX ) that a " periodic '' account review was done which caused my credit line to be decreased. For the record, my XXXX, XXXX  and XXXX XXXX XXXX XXXX scores were HIGHER than they were when I was granted the initial {$4000.00} line of credit - ATTACHED XXXX CREDIT REPORT FROM XXXX XXXX. I received letters from Citibank N.A. stating their decision was based on information from XXXX ... In addition to consumer concerns with using XXXX given what was transpiring with XXXX during the timeframe of this incident, this is not only false representation it 's also malicious intent at the hands of Citibank N.A. I am a subscriber to a daily consumer credit monitoring service ( ATTACHED XXXX CREDIT REPORT FROM XXXX XXXX XXXX and there is NOTHING on my XXXX XXXXredit report that substantiates the claim from Citibank N.A.

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 09-06-2017 about Student loan (Federal student loan servicing) with National Student Debt Advisory Corp. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX XXXX XXXX told me they were taking over my loan because I am a XXXX XXXXr in the XXXX repayment program. They told me not to deal with XXXX anymore. I paid them {$700.00} and I do n't have that kind of money. They directly lied to me. They stated they would be managing my loan.

Company response to consumer: Untimely response
Consumer complaint received 09/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have a paid subscription with TransUnion Credit Reporting. I recently went online to check credit and there was XXXX " delinquent '' account. I spoke with XXXX people -- XXXX and his supervisor XXXX.. They were very difficult to understand and when i asked them to speak slowly, they would continue to speak in fast, heavy XXXX accented XXXX. They first insisted that I could see the source of the delinquency on line. This was untrue. After nearly 20 minutes of talking, they said that they had found the source of the delinquency, first claimed that they could send me a written report, then claimed they could not - that was another department XXXX said - then said they would send it since the " delinquency '' was not identified online. They then asked if I wanted to dispute the " delinquency ''. When i said I did, they said that they could not XXXX dispute the delinquency, AND send me a physical report. They then said that they could not help me and I had to call the " online '' department. They gave me a number for the online department that was the exact number I called to talk with them, and is the same number provided on the TransUnion site. This is the only number provided by Transunion and there is not other way to contact TransUnion provided on the site. 
This would appear to be a number of dead ends set up by Transunion to keep the consumer from pursuing information from them, and would appear to be behavior set up to thwart the consumer. This is from a group that is XXXX of the XXXX groups we depend on to protect us as consumers, and which advertises on its website " TransUnion Interactive is committed to making your experience as easy and trouble-free as possible. ''

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 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: XXXX incorrectly reported late payments on my account although it was in forbearance. In fact, the Consumer Financial Protection Bureau is in the process of suing XXXX as they have done this to other borrowers. Unfortunately, all three ( 3 ) credit bureaus are reflecting the incorrect late payments.

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 04-10-2015 about Student loan (Non-federal student loan) with AES/PHEAA (KS).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have reached out to AES on more than one occasion. At the start of my college career in 2004 at XXXX years old, I was unaware of the ability to apply for a loan through my universities financial aid department and what a federal or private loan was. I had several loans which regardless of circumstance would need to start repayment within 4 years or shortly after, even if still a full-time student. I had been paying on these loans with few issues for quite some time. My husband had health issues and was out of work for over half a year at the time I first contacted AES. I tried to put the loans on forbearance, and was only offered a temporary slightly lower payment amount on some of the loans managed by them. This had to be done with a payment of good faith during my conversation by phone. Financial circumstances got worse, but paid when I could. Due to all household payments hitting my own account as my husband was out of work, a couple of my monthly payments after that did n't clear. This past fall I tried to review amounts and set up a payment online when I realized I no longer had account access. I called AES to discuss the situation, and was informed by a lady that it was due to an issue with a couple payments I had made. I expressed my concern with her that my online access has always been the method used for my payments particularly since several different private student loans are listed on that single online account. She reassured me that since this was the first time this had happened, that I would be able to write and/or email the company to regain my online access. I faxed a letter to AES and received nothing in return based on the information she gave me by phone, and I also emailed more recently about the situation and got an email back stating that my online access was terminated due to my issues with payments. Due to this situation, this has caused one or more loans to go into default because due to the various loans under the same AES account with various due dates, I have been overwhelmed with various AES bills which I am unaware of which is which and what standing they are in and what needs to be taken care of first. Some loans I have tried to discuss with AES, I have been told that they collect payments on but I need to actually speak with XXXX or whomever they originated from. All I want to do is regain my account access for ease of payment and understanding of my various loans under my single servicer and/or find out which loans and what my options are to get out of default on the loans that this happened to. Please help me work this out. I am not asking for any kind of loan forgiveness, just asking for the ability to understand and pay back with ease all of my loans through AES.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Payday loan () with Enova International, Inc. (CA).
Issue: Payment to acct not credited

Complaint: I borrowed a loan from a company called NetCredit. The loan amount was {$2600.00} dollars with monthly installments of {$150.00} debit from my checking account every XXXX of the month. The loan was funded on XXXX/XXXX/2015, up until this day I have only paid {$110.00}. When I called to inquire why my loan amount was n't going down I was told that some all the money goes to the interest and some months only a percentage goes to the principal. It has been over a year and in total I have paid {$1800.00} and only {$110.00} of the principal has been paid. The interest on the loan agreement is an annual rate of 65 %. When I called they told me that some months all the payments goes to interest. This can not be legal, this is abuse of power and abuse to consumers. This business should be investigated, when you borrow a loan and make monthly payments a portion should go to your principal no matter how much the interest is. This is straight up robbery.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I currently hold the security deeds on my home, my husband is on themortgage loan. The Lender receives payments from me, the Lenderhas received written notice to release and forward all correspondenceto the borrowers spouse. The mailing address is the property addressthe lender refuses to acknowledge the request for mailing, due to aproperty damage insurance check that was withheld during a collaboratedprocess of timing with the insurance company to enforce a non-judicialforeclosure on my property. The Lender refused to adjudicate a mishandlingof the property damage claim check, from the insurance company bank andthe XXXX lender who was discharge in bankruptcy proceedings, holdingthe check promoting harassment and withholding information to claim viabanking policies and inside employment collaboration. The continuation ofthis situation between the mortgage companies and the insurance companybank, clearly instigate RED LINING.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Using a debit or ATM card

Complaint: Last year my ss number was stolen by a worker at XXXX XXXX tax preparation. XXXX one IRS identity fraud told me to call was my bank. Talked to manager and she did nothing. Now i have money stolen from my bank through my debit card and they wo n't give me my money back. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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 reached out to Experian about some errors on my credit report as of XX/XX/2018. this is now my third time contacting them. I have still yet got anything back from Experian showing how they validated the items. Their last statement to me is they aren't going to investigate the items listed below.

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 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: To Whom It May Concern : I saw the news articles regarding the lawsuit again Navient. The issues outlined in the article are my exact experiences. 
-My payments were mis-allocated. I final caught on and now send a paper check and write which loan to put the payment on. I then have to check to make sure this actually happened correctly. It often does not. 
- I have tried to overpay several times and have been told I ca n't. They told me another payment is not due until next month. I have had to argue to overpay on my loans. 
- At one point, some of the loans were in deferment per my request. I was told there would be no penalty. I later found out that they were reporting the loans as missed payments which showed up on my credit, thus hurting my credit score. To this day, this issue affects the interest rate on my home mortgage. 

This company is infuriating, difficult to work with, and deceitful. I have all of my documentation at home. If there is a way to get involved, I would love to be included. I want to see some repercussions. For most of us coming out of college, we have never dealt with debt to this amount. It is a scary process. Being lied to has resulted in negative consequences that now affect me years later. 

XXXX XXXX

Company response to consumer: Closed with explanation