milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/27/2015 about Student loan (Non-federal student loan) with ACS Education Services (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am filing a complaint against my student loan servicer ( ACS ) because it changed the terms of my student loan without my consent and without giving me notice. ACS changed the terms of my student loan payments from principal + interest to an only interest payment. This complaint concerns a loan I took out to study for the Washington XXXX XXXX. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Debt collection (Federal student loan debt) with F.H. Cann & Associates, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: This company is a debt collector and I have not signed a contract with them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (FL).
Issue: Other transaction problem

Complaint: I was given money via PayPal sent to me using the friends and family method upon trying to withdraw it to a previously verified checking account the transfer was reversed my balance was then frozen, and I was only shown a screen that stated that I was not allowed to have a PayPal account, saying I was in breach of thunder user agreement. I did nothing to warrant this. I followed the agreement 's guidelines explicitly. At no time did I stray outside of those guidelines. When I attempted to speak to a representative I was informed that they were going to keep my money for 180 days. I was shocked by this because PayPal is not only pretending to be a bank, when in fact it is illegal for a transmitting company to operate under banking guidelines, but they were going to do so under false pretenses of protection. It clearly states in the user agreement that their protection policy does not apply to any transaction including birth buyer or seller ( of which I 'm neither ) if money was transferred via friends and family. No goods or services were exchanged so chargebacks do n't apply. 
The next representative I spoke with told me to withdraw my funds I had to send them a copy of my ID. That no one had ever been able to withdraw funds without an ID. In the user agreement it states to withdraw funds you must 1. Verify a bank account. - I did that a month ago 2. Verify a debit card- also did that a month ago 3. Upload a copy of social security card - done weeks ago.

The agreement states that if at least 2 of those actions are completed a account holder may withdraw funds. 
Unless you 're me. Then your XXXX money is frozen and you get lied to by PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2016 about Mortgage (Other mortgage) with FLAGSTAR BANK, FSB (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Flagstar mortgage is not helping me with underwater mortgage. Provided a lot of documentation and have excellent credit and they keep delaying settlement on loan.

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 06/18/2017 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: In 2012 I receiv ed a letter from IRS with some owe balance for a place I have work in the past year.Icall them right away to find out they ask me if I have work in that company and I did not recognize so they star an investigation at the same time they suggest me to check my credit report and I fund about  XXXX  accounts open with my information so I star working with the bureaus   XXXX   XXXX   help me lot but Experian Is been a bad experience because every time I called they ask me to mail the same documents over and over and made modifications but is not working I feel like bounce ball between Experian and This companies last time I spoke with experian They ask me to file a new police report with account information and this will remove everything from my file so I sent my FTC report Police report copies from IRS as a proof that I was victim of Identity thief, I need your help to get my relief in my credit situation Thanks for your time

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 05-09-2016 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Received this loan from XXXX XXXX XXXX XXXX in XX/XX/XXXX. It was for {$6000.00}. This was to be forgiven when I XXXX in a culturally deprived or low income district which I did by XXXX in XXXX Ca. and at XXXX XXXX in XXXX XXXX. The XXXX program, administered by the state was supposed to complete the forgiveness process in XX/XX/XXXX-XX/XX/XXXX or so. This never happened, in spite or many attempts on my part to contact them and have the loan forgiven. Since then the loan has been boughtand sold several times and is now in the hands of XXXX to the tune of {$12000.00}. This is utterly ridiculous. It 's been nearly 20 years that I have been paying on this loan and trying to get it forgiven.

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 12/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was a customer of Conn 's appliances. I was told that I could pay extra for insurance that would pay for appliances if I lost my job ect. it was a secured loan and when I lost my job and I called them. it was explained to me that i could lower the payments by refinancing or i could just file for the insurance and close this account & gt ; I did n't know they would put a charge off on my credit and keep reporting me late and its been over 2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Closing/Cancelling account

Complaint: Capital One account issues a 1099c to IRS for an account which had unauthorized charges and never resolve with Capital One Bank and my account balance. Capital One Bank file 1099C without my agreement to file written off debt improper. The account was charged off in 2010 and Capital One written off debt three years of loss and file a 1099C

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Payday loan, title loan, or personal loan (Installment loan) with Avant Credit Corporation (MN).
Issue: Problem when making payments

Complaint: I have tried multiple times to come to a resolution with avant. Every employee at that company is quick to pass the hat, and then nothing is done. They claim they strive for customer service, absolute lie. They are crooks who take people at a high rate with no hopes of them helping or resolving your issue.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This company basically likes to steal from people. They are still reporting me on collection when I have informed millions of time that the account that is open under my name, was open as a result of identity theft. I contacted them last week to let them know again, and tried to find a possible solution to my problem, and the representative that took care of me over the phone told me that the account was a result of a XXXX card. I wasnt even aware of that. I find this very weird because I was approved for a XXXX card having them reporting me on collection. When i checked my credit report, it said that he original creditor for this account was XXXX bank nevada. Nothing makes sense to me. They dont even know what they are doing and what they are charging me for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-11-2015 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (MO).
Issue: Managing the loan or lease

Complaint: After several weeks of disputing fees assessed on a vehicle declared as a total loss and paid off by my insurance company I attempted to settle a debt with Prestige Financial. I provided payment authorization over the phone to a Prestige rep in order to settle the account in full. The rep neglected to process my payment resulting in continued fees/interest being assessed on a vehichle that has already been paid off by the insurance company and the GAP insurance company. Prestige also restricted my online access preventing me from posting a payment online which again has resulted in continued charges of interest fees due to the inability of processing a payment. I believe the actions taken by Prestige are willful barriers in order to continue to add on interest fees in an effort to collect increased monies on an account that has been paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/XXXX I submitted XXXX # XXXX. I started receiving calls on my landline from Portfolio Recovery. They never left a message ; just kept calling. I indicated in this case I have no debt but my mortgage which I pay timely monthly. I requested you have them write me regarding the purpose of their calls. You sent my complaint to them. They responded they needed my account number or telephone number at which you received our calls. Since I have no debt, I have no account. If they want my telephone number, I gave it to you in my complaint. If they want their telephone numbers, I gave one number. Every time they call, they use a different number. A XXXX search of this firm says they have over XXXX different phone numbers. Latest Portfolio Recovery phone number they used today XXXX is XXXX. You have my name, address, home phone, which should be enough for them to write me about why they are calling. Since they are calling my landline, they must have some record in their computer that links my name and landline phone. Please require them to write me why they are calling. Thank you very much

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2016 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I would like to file a formal complaint against SUNTRUST MORTGAGE. 
I am receiving correspondence from Suntrust Mortgage almost daily in regards to late payment which was included in a chapter XXXX. The bankruptcy has been discharged and one of the criteria from the TRUSTEES was to make sure mortgage to be paid on time. I have made every payment on time since bankruptcy and Suntrust is continuing to show late fees which has since been paid by bankruptcy court. 
I made XX/XX/XXXX and XX/XX/XXXX payment on time and today I am receiving a registered letter stating I 'm 2 months behind. I have spoken to XXXX representative from Suntrust and I was told they would update their record. Nothing has been done and I refuse to allow them to report missed payment to Credit Agency due to their inefficiency.

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 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I am in a forebearance and the loans keep coming up multiple times under multiple companys but theyre the same loans. There was supposed to be no negative impact

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (MD).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: A check of the amount of {$1500.00} was endorsed to me and i went to my local Wells Fargo branch on XX/XX/2018 and deposited it into the ATM. I thoroughly checked the security details of this check with a black light and tried to smudge the ink on the check with water. Everything checked out perfectly.The full amount of the check went on to clear into my account on XX/XX/2018. I went into the same branch and withdrew {$1300.00} of the money. On XX/XX/2018 the check was returned as a fraudulent check. 
Had Wells Fargo waited the three days to clear this check, as they have every other transaction i have ever made with them, this situation would have never arouse. 
I have spent countless hours at the branch, where they told me it was not fraud, so they refused to even start a claim. I have finally gotten through to a manager, over their customer service line named " XXXX '' and had a lengthy discussion with him about why the money was ever credited to me within 24 hours and how poor the customer service has been, so far. The biggest issue I can see is I am clearly NOT the only person their bad banking is effecting, considering it is on countless national news headlines. My life has personally been debilitated by this fraudulent check scam. And it seems as Wells Fargo does not care about me, or any of their other customers. I only hope to resolve this issue as soon as possible, close my account, find a new bank, and warn everyone I know of the way Wells Fargo conducts their " business. ''

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 05/19/2015 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I submmited a fully document Request for a Loan Modification with mortgage company M & T Mortgage XXXX Investor XXXX XXXX XXXX to reduce my mortgage payment ; instead to consider my case for a HAMP review, they approved me for a Streamline Loan Mod that reduced my mortgage payment to 43 % of my monthly gross income ( {$2200.00} ). Also they decided to charge me {$980.00} modification fees.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: i was trying to buy a car, this is how I find this deb that is not beyond to me, I been disputing this with the collection agency for more than 2 months with no answer about my situation, every time I call them they put me and hold and disconnect my call, about a months ago they send me a letter saying that I ask from all credit bureau to remove the collection from my report, XXXX and XXXX did already but im still having it on XXXX which its been impossible for me to remove it, I never had a XXXX before,

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 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had a vehicle purchased through XXXX and had an accident in XXXX of XXXX. The vehicle was damaged beyond repair and the insurance arm of XXXX made payment to XXXX bank for the vehicle. Fast forward XXXX years, I have been accepted for other forms of financing, and was applying for a small business loan and in XXXX XXXX there is a charge off on my credit report from XXXX. They had sent the account to XXXX and as soon as I was made aware, I challenged the account because I had no idea it existed. When they told me it was from that same vehicle and I owed {$3900.00} and some change, I paid the account in full. 

I then contacted XXXX to make them aware that they are supposed to notify me that I had a missed payment, or even that a payment was due. They did not. They keep telling me they have records of the attempts to notify me, but I have n't moved and my address has been the same. 

As soon as I was made aware of the debt I promptly paid within a short amount of days. Had I been made aware of the debt, more than 2 years earlier, I would have done the exact same thing and paid.

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 01/24/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with Risecredit, LLC (TN).
Issue: Charged fees or interest you didn't expect

Complaint: I do n't believe my " customery fee '' was fairly explained ( legal? ) in the documents I e-signed. My principle was supposed to be reduced but of a XXXX payment, only XXXX was applied.

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX XXXX continues to assess a penalty fee of {$8.00} on every Direct Debit payment. I have attempted innumerable times to remove this fee via the online portal. All efforts have failed. All inquiries have fallen on deaf ears. Please see that the additional fee is removed immediately. This is just one more example of XXXX XXXX unethical and unlawful billing practices. The Department is on notice and is therefore complicit in the illegal conduct. As a veteran who proudly served this country, I find this conduct atrocious. Both organizations should be ashamed. 

XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Debt collection (Other debt) with ERC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XX/XX/XXXX, I contacted the Debt Collection Company by the name of ERC located XXXX XXXX XXXX, XXXX, FL XXXX, Acct # XXXX, asking that they send me verification of the debt that I supposedly owe for XXXX XXXX XXXX XXXX XXXX, in the amount of {$400.00}, that 's appearing on the Credit Files. I stated that I do not recall the account, because I was believe I was XXXX at the time this account was open in XX/XX/XXXX, and would like verification of this amount, along with documents to support my signature of the Debt. As of XX/XX/XXXX, ERC has not responded. I also disputed the entry with the Credit Bureaus, such as XXXX, XXXX & XXXX, all XXXX ( XXXX ) have responded that the information has been verified as accurate. When I  contacted the Credit Bureaus by phone, and asked what information the company provided as verification ( such as contract with signature, name and bill or etc ) and was told I need to contact the creditor. Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: A check drawn dated XXXX/XXXX/2017 on my XXXX checking account was written to my sister and mailed from my home mailbox in Florida and was addressed to go to Ohio. However, the check cleared my account on the date that I wrote it and placed it in the mailbox. This alerted me to the fact that there was a problem with who had negotiated the check. The check has no signed endorsement and was processed by Wells Fargo Bank. XXXX XXXX XXXX had me complete their Fraud Statement of Claimant form. The payee of the check also signed this form declaring that they had not negotiated the check. On XXXX/XXXX/2017 XXXX claims to have mailed a Demand Letter to Wells Fargo. XXXX has not given me any credit for the funds debited from my account. Upon inquiry of the claim status, XXXX representatives stated that I needed to wait 120 days for WFB to respond. On XXXX/XXXX/2017 I called XXXX again, and pushed to speak with a representative, who did a follow-up with WFB. On XXXX XXXX, 2017 XXXX states they emailed an inquiry to WFB. On XXXX/XXXX/2017, I called XXXX and they stated they received an email from WFB on XXXX/XXXX/17 stating the claim was " pending research ''. Wells Fargo accepted a check by one of their customers who negotiated a check fraudulently through WFB. Why is it taking so long for WFB to research the transaction?? I am sitting waiting to receive my {$110.00} back from WFB because they are responsible for the payee signature or lack there of, and processing this check for their customer who committed fraud.

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 09/30/2017 about Debt collection (Auto debt) with EQUIFAX, INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Back in XXXX XXXX I was involved in a car accident ( I was rear-ended by a men whom provided the wrong personal information ) therefore I was obligated to file a claim against my insurance company. My company paid the car off to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX. XXXX, TX XXXX XXXX. XXXX the amount that was paid in full {$8800.00} Check # XXXX XXXX Insurance company kept the wrecked car ). Unfortunately I did n't have gap insurance therefore the was a balance little over $ XXXX at that time they were demanding the payment in full which I did n't have. I was not familiar with the process and requested payment arrangements however I never heard back from them. Now they are misreporting to the credit bureau showing as a repo with a higher balance $ XXXX

Company response to consumer: Closed with explanation