milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/16/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I co-signed the loans for my daughter. They send a reminder via email monthly-before the payment is due. They have misapplied payments numerous times in the past 2 yrs and drive you insane trying to get somebody on the phone to fix it. The woman yesterday blamed my daughter for them not applying the payment correctly. She was rather insistent that my daughter do a phone payment ( bear in mind she was n't even past due ) and urged her to do auto-draft. My daughter told her she would pay online, while she was on the phone. Her letter has XXXX amount-the woman on the phone is telling her a completely different amount due and can not justify why the difference. My daughter hung up on her, after giving her the information for her phone payment. Today they have started the day off at XXXX on my phone with an automated message to call a person that is non-existent. I know that is illegal in the collection agency world so I do n't see how they get away with that. They called my daughter at almost the exact time. She called and got somebody that informed her that the woman yesterday did n't code the account correctly. My daughter explained that she paid online yesterday and the money has already been taken from her checking account. They said the calls would continue for up to 48 hours! That is outrageous-total harassment! They have since called my phone XXXX more times by XXXX. Sallie Mae is going above and beyond to harass my daughter when she has proof that payment was made and the account is XXXX up-to-date. And unfortunately I can not check all XXXX boxes below, but they are NOT handling payments correctly, phone calls persist after we have confirmation they have received them and Customer Service is poor ( at best ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CO).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX there was a hail storm in XXXX, CO that damaged my home extensively. Due to the dollar amount of the damages, my home owners insurance company, XXXX had to make the checks out to myself, my wife and the lender for the home. The lender 's process to release the payments is to release 50 %, then send an inspector, then release 25 % more then inspect it again and then release the final 25 % when the restoration/repairs are complete. 

The lender for my home, Rushmore Loan Management has had the majority of the funds for over 3 months, totaling {$16000.00}. I have filled out all the necessary paperwork, beginning four months ago. I have called a total of 14 times to find out when they would be releasing the funds so I can proceed with repairing my homes. They have given me every different excuse in the book on why the funds have not been sent. 

Here 's a small breakdown on my communication with them ( most recent ). On XX/XX/XXXX they told me that the hand writing was too light. This is not accurate as the email came from me and it 's crystal clear. Last week on XX/XX/XXXX, a " manager '' there named XXXX XXXX told me that she was going to call me that day with a tracking number for the check being sent. 

On Friday, XX/XX/XXXX I called and the call center person told me that they were waiting for the payee information to be approved. 

Today, XX/XX/XXXX I was given two different reasons for it not shipping. The original person who answered the phone said they were doing a system update today. Then a manager named XXXX ( employee # XXXX ) gave me a different excuse about the IRS approving the payee on the check to be issued. She told me it would be shipped on XX/XX/XXXX or XX/XX/XXXX at the latest and said that she would call me when it does ship. They have told me this before and have never, ever called me. 

For context, I have three windows that are boarded up in my home from the storm and nothing has been repaired except for the roof, downspouts and gutters because I need the funds from Rushmore to complete the repairs.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I found public record incorrect information and pending payment which is not mine and misspell my name and wrong employer.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My loan was sold to Navient and there is inconsistencies in what is owed. There are also inaccuracies being reported on my credit report. No one was able to explain my options of income based repayment or tell me what is best in my current financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: When I canceled my XXXX account in XXXX I had not agreed to a new contract for XXXX years. I brought my last phone on line and paid cash. When I called to cancel, I was told I would have an early termination fee and I requested a copy of the contract I had agreed to so we could resolved the issue, and I never received the contract. I disputed the information on my credit report in XXXX XXXX and they said the information was correct but still has not provided the last contract that I requested to prove the debit was legit. Only thing I got from XXXX is a bill for {$380.00} with no break down of the charges. I understand that XXXX was upgrading their system here in XXXX NC but the lack of service and the constant drop calls were killing my business. I was with XXXX XXXX for XXXX years and dealt with a lot of changes but never pictured they would not give me the proof that I was under contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX The majority of these are doubled, back to back dates and inquiries that I have no idea about, if you go through my hard inquiries youll see that they arent even something that I dont even understand. But, the list above is just a few inquiries that shouldnt be on there that have been posted multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Debt collection (Payday loan) with National Credit Adjusters, LLC (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Hi, I have asked to not be contacted at work because I am not allowed to receive personal phone calls or visits of any kind. The person I spoke with on the phone today stated that they would call my work even though I agreed to use their website to set up a payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I submitted a dispute in writing to Equifax on XX/XX/2016. Not only did they not produce proof that the credit file in question belongs to me, Equifax DID NOT respond at all. They have exceeded the allotted 30 days to respond to my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Debt collection (I do not know) with Stellar Recovery, Inc. (OR).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Everyday for about the last 6 months I have received a phone call from the same phone number, XXXX. It appears to be from a collection agency, the number located in XXXX, CA. They never leave a message.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 hard inquiries removed or deleted from my XXXX file that are duplicates on my XXXX and Experian credit files. They include XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. I have received a notice from XXXX stating that these were indeed deleted. So I 'm writing a complaint that I contacted XXXX and Experian to see if I could request a removal of said inquiries to no avail.

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 12-12-2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debit was paid in full on XX/XX/XXXX to XXXX confirmation number XXXX other numbet XXXX paid direct to XXXX i don, t know why TRASWORLD put this debit in my credit, but i want to delete to all my credit record affect my score trans-union, equifax etc Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (WA).
Issue: Trouble during payment process

Complaint: I have 2 problems with Caliber Home Loans 1. I sold my condo and bought a house in XX/XX/XXXX. In XX/XX/XXXX I received a letter from Caliber telling me I have not had home owners insurance since XX/XX/XXXX. They said they were unaware, they did not know. I called my insurance company and they told me my contract with them was cancelled in XX/XX/XXXX, because I have a chimney coming out of my garage that is unattached. They told me the garage would not be covered but the house was fine. I was unaware that the whole coverage was cancelled. I called XXXX XXXX and got a policy right away. In the meantime Caliber told me they are going to back date a high risk policy from XX/XX/XXXX to XX/XX/XXXX. They sent me a bill for {$810.00} I need to know if this is legal. I would never of gone without insurance if I had know. I thought the mortgage company is suppose to monitor this and let the home owner know. I do not know why after the fact I need to pay {$810.00}. 
2.I believe they have red flagged me are now harassing me. They have told me for the last 2 months my mortgage is late. I know it 's not. I have never paid my bills late. I pride myself on this. I paid the first late fee but when it happened. I called and was told they received it on the XX/XX/XXXX or XX/XX/XXXX. In XX/XX/XXXX. I called and they researched and said they received my check on the XX/XX/XXXX but did not post until the XX/XX/XXXX. They said it would be corrected. I received harassing letter and was told to pay the late fee and they will apply it to my principal. I do not have all this extra money for their mistakes. Why are they treating me this way?. They are very incompetent. I would like to be reimbursed for the first late fee because I promise you they are holding the checks and posting them late. Like they admitted to when I called on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX incorrectly reported late payments after account was paid in full and settled. I disputed an incorrect late payment reporting from XXXX with them and the XXXX major credit bureaus. Trans Union is the only credit bureau that has not corrected the rating. I requested the correction on line according to Trans Unions procedure on XXXX XXXX and submitted written verification documentation from XXXX stating the account has been paid in full to Trans Union and Trans Union is saying its not enough, they need to talk to someone at XXXX. I provided phone # 's and contact information for XXXX to Trans Union and Trans Union is now saying they can not verify the phone number and are refusing to correct the issue. I am in contract escrow with a lender to purchase a new house and have given notice to my Landlord. I have to be out of my current rental property in 10 days and will lose thousands of dollars and be homeless if Transunion will not correct this issue immediately. The unacceptable part of this situation is Trans Union corrected the issue on my husbands report and is refusing to correct the same issue on mine over the same joint account with XXXX. If I ca n't get some immediate assistance with this from someone with some common sense and authority I will be homeless in 10 days. Please help, I have documentation to support everything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Trying to get free annual credit report, ca n't get past TransUnion 's annoying pages/ads for paid credit score, no link to go by it --

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2015 about Credit card () with DISCOVER BANK (NJ).
Issue: Other

Complaint: XXXX offered a {$100.00} gift card when applying for aDiscoverXXXX Card. I clicked on the link, applied and compliedwith the requirements. The requirement was to make XXXXpurchase with the card within 3 months. It did not say thatthe purchase had to be with XXXX. After a few months, Icontacted the bank, and they said they knew nothing of theoffer. I contacted them again and the management saidI did not apply for the right card. XXXX denied anyknowledge of the offer, although it was on their website. 
I would not have applied for the card, but for the offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-01-2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Arbitration

Complaint: My complaint is against American Express. My name is XXXX XXXX, my phone number is XXXX. We purchased some jewelry while on vacation, on a cruise. We payed $ XXXX for the jewelry with our American Express card and the jewelry turned out to be fake. So we had an official appraisal done by a XXXX XXXX XXXX {$200.00}. American Express denied our claim. We believe American Express knowingly does business with these types of vendors. We tried for six months to resolve this with them. This is why we want to file this complaint against them. We have all documentation and proof the we can provide to you. Please advise us on what we should do next. AMERICAN EXPRESS ACC # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (VA).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX, my mortgage loan changed from an " interest only '' payment of approximately {$1400.00}, ( XXXX XXXX XXXX dollars ) to an amortized  payment of {$1700.00} ( XXXX XXXX, XXXX XXXX XXXX dollars and XXXX cents ). I was  approached over the phone in regards to refinancing or loan modification to help lower the monthly payment. I started the process in XXXX and began submitting documents via fax and downloading online. After several weeks, I began calling to check on the status. Each time I have called, I have spoken to a different person. Each time, I have been told to submit another document or to make a change and resubmit an existing document. I have voiced my concerns and frustrations every time I call. I just recently called again ( XXXX ) to check on the status. Again, I was told to add a date to a document and resubmit. I was also told that the bank statements that I initially submitted were now out of date and I would have to submit more current statements. This process has taken extremely too long and the company is unorganized and inefficient. It has been an ongoing vicious cycle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (PA).
Issue: Taking out the loan or lease

Complaint: # 1. on XXXX/XXXX/2011 i purchased a vehicle from The " XXXX XXXX XXXX group, i was not made aware of the minimum A.P.R. offered by the finance company " ALLY ''. I 've contacted Ally requesting the initial APR offered by them to purchase my loan and they have refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Car was broken into and had my wallet, laptop, and other items stolen on XXXX XXXX, 2016. I filed a police report and reported stolen for all my cards. All the cards came except the Bank of America debit card, a card that I rarely use. On XXXX XXXX, the thieves started using my debit card for withdrawals at various locations, and even went to the teller to withdraw {$8000.00}. I found out on the XXXX as I was getting ready for another deposit but the balance was not close to the number that I last remembered and so I went to Bank of America XXXX XXXX XXXX XXXX ) to call to have the account frozen. The next day, they were still able to withdraw {$500.00} from the account and I called BOA again to express my concern. The office claimed that I did not report anything until the XXXX which was incorrect and refuse to take any responsibility for the fraudulent charges. The person broke into my laptop and had access to my password files in which they even went online to change the primary and secondary contact information. BOA claimed that they have called me regarding unusual activity regarding the account but I did n't receive any and my telephone bills has evidence of that. I have filed with the FTC, XXXX credit bureau, FBI, and police station regarding this case and the status is still pending. I have requested multiple claims with BOA and they have denied the claims for the 2 times that we have appealed. I have also sent them a letter regarding the extra documents that they requested but have not heard from them since. I want this to be taken care ASAP because I have n't used a dime on this account and there was a fraudulent charge of over {$13000.00}.

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 04-08-2016 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (FL).
Issue: Account opening, closing, or management

Complaint: Long story made short ... ... ..Aunt had fraudulent activity on her accounts at Suntrust. XXXX was notified and investigated the case and the case was closed. Aunt made me her Power of Attorney when she entered XXXX home so that I could help her with her bills. SunTrust refuses to let me stating her accounts are ALL frozen because of investigaton. XXXX says they never told SunTrust to do this. My Aunt ca n't touch her money even though its her social security money that is in accounts. If she needs something she cant even touch her own money.

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 12/19/2017 about Debt collection (I do not know) with Vital Solutions, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: We continue to get calls XXXX and XXXX times a day from XXXX XXXX XXXX for a debt that is not ours. When I talked to the rep they claimed a debt from XXXX. I have never done business with XXXX and they continue to want me to give them the last XXXX digits of my social security number and date of birth, which I will not do as they do not even know who they are calling.plus once they have this information they can resell it to other unscrupulous debt collection agencies who could use the information when they make calls. Now when I answer the phone from them, they claim to have a system error or the call can not be forwarded but they continue to call at least twice a day I ask the CFPB to require XXXX XXXX XXXX to send me written notification of the claimed debt, dates, amounts, etc. Until they comply, I ask the CFPB to require they cease all contract via telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (GA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I took a flight from XXXX to XXXX. When the flight was landing, a credit card application was offered/passed around offering XXXX XXXX XXXX miles if we signed up for the card. I filled out the application. A few weeks later, I received a card from XXXX XXXX XXXX XXXX. It was then I learned I had an annual fee of {$95.00}. So, I decided not to activate the card. Two months later, my credit warning showed that I received a negative mark on my credit report. Apparently, without me knowing, this Barclays Bank sent the credit agency a late payment for not paying the annual fee - on a card I never activated. I have since cancelled the account, but do n't believe you should be required to pay for a card account you never activate. To make matters worse, Barclays will not provide documentation I can give to the credit reporting agency showing them I never had this account open.

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