milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: After consulting with Great Lakes, I made XXXX substantial payments totalling {$40000.00} on XXXX student loans before they went into repayment status. I made these large payments upon receipt of email correspondence where my funds would be applied towards my monthly payments, prolonging the length of time until my first payment was due. From my Great Lakes email asking if a lump-sum payment would increase the time I owed {$0.00} per month until the lump-sum ran out at the appropriate PAYE monthly rate : " When you pay a large, lump-sum towards your account, you create several options for yourself. When your account is paid ahead, you 've basically created your own forbearance time. You can stop making payments and still be considered current for the number of months the large payment covered ... '' I made these large lump sums under that understanding, to create my own forbearance time until aprox. XX/XX/XXXX. Great Lakes now claims they recalculated my account and what ever forbearance months I had built up/remaining were wiped clean XX/XX/XXXX. I would have never made these lump-sum payments but for the reliance on Great Lake 's misleading, inaccurate, and fraudulent communication. I can provide the email upon which I relied if needed. 

Great Lakes ID : XXXX XXXX Plus : XXXX - Lump-sum payments {$23000.00} Stafford : XXXX - Lump-sum payments made {$16000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Student loan (Federal student loan servicing) with COAST PROFESSIONAL INC (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I'm having a hardship and currently trying to enroll in college.
I have no capital to repay at this time I,m working on a carrer movement to better my future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: It's plain and simple they have been calling me before XXXX. I believe they have called at XXXX once and this morning they had called at XXXX. Both of these times waking me up and disrupting my sleep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Transunion reported a XXXX tax lien on my credit report that does not exist. I contacted the source reported and they denied such a lien exist and wanted to know why did transunion report a lien that does not exist. After contacting transunion they deleted the lien but left my score unchanged my score was XXXX now its XXXX this is unacceptable not only is this a violation of fair credit reporting this has caused my auto loan refinance to stall and damage my credit for no reason. Contact with them has not fixed the problem and they also updated my address to one in XXXX. Legal action is my next step.

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 04/13/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had a debt with XXXX that is showing on my credit report. I had to contact midland funding LLC to settle this debt. I have been paying on this debt since XX/XX/XXXX at XXXX a week. They now will not talk to me or return my calls in regards to this debt. I am trying to clean up my credit report and need this debt resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a collection notice about a month ago and I responded to advise the collection agency that the debt was not mine and is a result of identity theft. The debt is disputed, not owed and stop collection attempts. The agency sent me another collection notice dated XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (TX).
Issue: Deposits and withdrawals

Complaint: Recently XXXX unauthorized withdrawals were made from my checking account that I have with Chase Bank. I have been contacting Chase daily to have my money returned to me but they will not give me my money back. The Chase case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Consumer Loan (Installment loan) with DISCOVER BANK (WI).
Issue: Taking out the loan or lease

Complaint: On XXXX/XXXX/2016 I reached out to the Discover personal loan origination department with questions on whether it made sense to refinance my existing Discover personal loan or not. After a short conversation we came to the conclusion that it did in fact make sense to refinance the loan as the interest rate could be lower as well as we would shorten the term. 
After obtaining my permission to pull my credit and getting my income information the representative informed me that we would not be able to go forward with the loan because Discover does not lend more than {$31000.00} to any one individual. I would have been alright with this answer if they had informed up front that they do not loan out more than {$31000.00} for any one person but they did not. Also, the loan application was for {$17000.00}, the exact amount of the existing loan. The term refinance does not mean doubling the amount of what you trying to obtain, it means you are financing something again at a lower rate or different term. 
At this point I requested a manager. As soon as the manager came on the line I could tell he was not taking the situation as serious as he should have. He reaffirmed what the representative had stated and said that he would not be able to remove the credit inquiry. The only thing that I was upset about was the credit inquiry, I understand that lenders have limits on what they are willing to lend to any one person. In this circumstance the loan application should have never gotten to the point where credit was pulled. All of their employees and the system they use should recognize what application limitations are so that they do not negatively affect their customer 's credit scores with unnecessary credit inquiries. 
I also called back a few more times to try and escalate the situation but this came with no positive results. Every manager that I spoke with did not seem to understand the severity of unnecessarily pulling a consumers credit for loans that they disclose as not even possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2015 about Consumer Loan (Vehicle loan) with DriveTime (TN).
Issue: Managing the loan or lease

Complaint: I bought a car from DriveTime on XX/XX/XXXX & have made every payment on-time since then. As of this date, XX/XX/XXXX, I have no record of these payments being reported on any of the XXXX main credit bureaus. One of the main selling points of DriveTime is they help you rebuild your credit & included in my closing paperwork is what is entitled Credit Reporting Notice which clearly states that they will report this account 's activity to all XXXX credit bureaus & my account number is claerly visable in the top right hand corner of the page. I have spent months calling the DriveTime Financing office to only get the run around ... one excuse after another I 've heard ... & even spoke with supervisors who seemed to really be on the matter after they reassured me that my credit would be reporting soon I backed off ... .only to discover that nothing has changed! As of this date XX/XX/XXXX I have made XXXX consecutive on-time payments to DriveTime wich is Not reflected on any of the XXXX major credit bureaus ... .as a matter of fact their is no record of my even having an account with DriveTime. For the record, my account number is XXXX. I will include supporting documents in this communication. Thanks for your assistance!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: This is a complaint filed in reference to the security breach through Equifax. I am a XXXX XXXX, and am now having to arrange for a Fraud Alert and other issues related to this while abroad. 

Equifax has put a lot of people 's futures, including mine, in danger. Not providing citizens with appropriate information AS SOON AS they knew of a breach, and protecting these citizens FIRST WITH OUT QUESTION, should have been the first course of action they took. Instead they expect people to investigate their options on their own, and ask them to waive their rights to a class action suit, if they use the free protection they are supposedly providing. They are preventing anyone from holding them accountable for their irresponsible actions, by requesting that the very people they compromised give up rights to holding them accountable in one of the only ways that they can. It 's abuse of power they no longer deserve.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently became aware that I have fallen Victim to Identity Theft. My information was stolen and used without my knowledge in an attempt to open new lines of credit. I have notified and made attempts to contact all three credit bureaus to discuss Identity Fraud Resolutions. Of the three, Transunion was the most responsive. Transunion began immediately removing several of the accounts and information on my credit report that was a result of identity theft/ ID fraud. 
________________________________ I have been able to successfully lock XXXX and XXXX credit reports. I'm still unable to successfully use TransUnion XXXX through the XXXX XXXX XXXX site. This has caused me to receive another new inquiry in addition to the ones they have already removed from my TransUnion credit report. This comes even after the initial 90-day fraud alert that was placed on my credit report XX/XX/XXXX. 

The XXXX and XXXX  customer service representatives I had spoken to were unable to provide any assistance or identity theft resolutions. In fact on two separate occasions when I attempted to contact XXXX and XXXX customer service, coincidentally both of their " systems '' simultaneously went " down '' they were only able to repeatedly instruct me to " call back again later ''. 
___________________________________ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The fact of the matter is that fraudulent information on my credit report which was a result of identity theft remains and continues to be reported by these Credit Bureaus after they have received notification of such fraudulent information on the report. 

Documentation that was sent to XXXX, they XXXX and TransUnion included : ( All of these reports are attached ) 1st XXXX Police Report 2nd XXXX Police Report ID Theft Affidavits ( Signed and Notarized ) FTC Identity Theft Report In addition to these reports, you will find attached one file which lists each account and inquiry that appear on my credit reports as a result of identity theft. All new information reported after XX/XX/XXXX, resulted from identity theft and is considered fraudulent information. It's my right and the duty of the credit bureau to permanently remove this information from their respective reports.

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 12/23/2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Billing statement

Complaint: Citibank, failed to mail my XX/XX/XXXX ( paper ) billing, never emailed or contacted me regarding nonpayment. I called, they said to pay the purchases of {$300.00}, which I electronic paid XXXX day later. They would consider removing the {$25.00} penalty and {$4.00} XXXX fee. They failed to remove, I called they claimed ca n't reverse the computer action. 
I become frustrated, decided to paid off the entire billing which amounted to {$1000.00} which included later XX/XX/XXXX purchases ( which included the penalty of {$25.00} and interest. I mailed a letter of complaint on XX/XX/2016 filing my complaint in writing to Citi Card located in XXXX, SD. They never responded, they again ignored my complaint. Now, checking on-line I see their latest billing statement of mine for the period of XX/XX/2016 to XX/XX/2016 a balance due of {$9.00} for additional INTEREST charge dated XX/XX/2016. I PAID THE TOTAL BALANCE IN FULL WITH PENALTY AND INTEREST ON XX/XX/2016. THEY NOW BILLING ME {$9.00} FOR INTEREST FEE DATED XX/XX/2016 AFTER PAYING THE BALANCE IN FULL. & lt ; This is totally unacceptable practice and illegal activity and I respectfully request a full investigation into Citi Card billing of interest on account after full payment. & gt ;

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 03/21/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Contact Navient about loan which was from 2001, statues expires, got no more than XXXX in loans, they say I 0we XXXX. They garnish my last 4 years of tax returns. Also I included in my bankrupty adversary was included for loan. Sent them a copy of bankruptcy discharge, they would not accept.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Credit determination

Complaint: I have a credit card with Capitol One. I was going through a divorce and separated bank accounts and updated the bank information for automated payments to all accounts. For Capitol One I added my account information and set up the automatic payments in XXXX but something happened with their website and it did not accept my automatic payments successfully which I was unaware. Since I am used to everything coming out automatically I am not used to checking to make sure all payments are deducted as I have never had an issue in the past. However, I went to refinance and found out I had a 30 day late on my credit report. I called Capitol One immediately to find out why the payment was n't going through to find out that the bank was showing but not the automatic set up of my payments. I never received a phone call about my payment being late and now I have a 30 day late on my account when you can clearly see that I added my bank account and I have never been late with them and always paid on time. I think that they wo n't remove the 30 day late because I closed my account for this credit card so they do n't care about me as a customer. This is now affecting my credit score by XXXX points when I have always paid them on time other than this unfortunate technical circumstance. They are stating that they ca n't remove it even though they agreed that it is clear that I went and set up the new account. Please help, this is not fair!

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint: In   XX/XX/XXXX  ,  WELLS FARGO B ANK in Florida,  XXXX   XXXX , added an extra Premium Checking account ( ended  XXXX  ) without been authorized by us.   Late fees and charges been added, for many months jeopardizing our financial reputation.   As today,   XX/XX/XXXX  ,  W.F.  personal banker in  XXXX   XXXX , was not able to provide to me, any document, statements nor authorization and I requested to close the account.   A case #  XXXX  was created and the latest fee was credited.

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 05/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was never past due and the credit companies are stating I was, I have proof

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 12/14/2017 about Debt collection (Mortgage debt) with NATIONSTAR MORTGAGE (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX we received a letter stating that we have n't provided proof of home insurance for our reverse mortgage to XXXX XXXX and that they had bought insurance for us for {$2600.00}. Since our insurance company, XXXX XXXX, had always provided this information to XXXX for years, I had paid no attention before. I immediately went to XXXX XXXX and they provided the necessary proof to the XXXX insurance division. On the XXXX of XXXX, I received a letter from the XXXX insurance division cancelling their insurance and crediting our account. 

A couple weeks later we had a visit from a debt collector from XXXX. Then, a home appraiser wanted to come to our house. Then the foreclosure threats started to arrive.

I have contacted the XXXX customer service department many times including the following : XXXX XXXX ( do n't have record of date ) XXXX XXXX on XXXX XXXX on XXXX ( he even wrote up an email to his manager while I was on the phone I have contacted their insurance department a couple of times and they have assured me that our account has been cleared, but the customer service department says otherwise. I even had a 3 way conversation between the insurance division and XXXX in the customer service department on XXXX. XXXX said their was another letter in our favor in the mail, but it turned out to be another foreclosure threat. 

Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (Medical debt) with Professional Recovery Management (MS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Fox Collection Center XXXX/XXXX/XXXX XXXX I have contract them about this debt an I have n't received an reply but this is not my debt they have n't sent over any proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with First Data Corporation (MD).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I was offered a credit card machine through XXXX XXXX XXXX for my small business. I was approached with this offer by a salesman at my place of work in XX/XX/XXXX ; I did not seek it out. The XXXX salesperson showed me the cost of the machine, but he did not mention that I would be leasing it from XXXX XXXX XXXXXXXX. I found this out when signing the paperwork.
<P/>In XX/XX/XXXX, XXXX closed my account because my business was classified as a money service business. Nothing about my business practices had changed, so XXXX should have known this classification from the beginning. With the XXXX account closed, I was no longer able to use the credit card machine. However, XXXX XXXX XXXX would not allow me to cancel my lease, despite sending the equipment back in XX/XX/XXXX. My options were to continue leasing a useless machine for three more years or to end the lease by paying an opt-out fee. In order to end the lease, I was required to pay more than five times the total market value of the credit card machine even though I was not the party who had closed the original account. <P/>While I was disputing this with First Data, they sent the balance to collections which put a hold on my business credit line. <P/>In conclusion, I was misled by XXXX bank on multiple counts : 1 ) Leasing the device from a third party and 2 ) my business ' eligibility for an account with XXXX. I was then bounced between XXXX and First Data customer service, and then ultimately frustrated by First Data 's unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not secure their data properly even though the technology to secure mentioned data is reasonably affordable and readily available. Now mentioned data has been breached by criminals. My personal information was part of mentioned data and is now in hands of criminals and will become public. I know this because I confirmed with Equifax today, X/X/17. I should also note that Equifax offered a service to protect against identity fraud, but in exchange they wanted to mitigate my ability to sue them for damages. Also, the service they offered was only free for one year- after which they would make a profit off of me by charging for me to extend the mentioned service.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Multiple phone calls, info giving out to another family member, no clear info given about repayment options, deferment, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: The name is not XXXX XXXX XXXX, but XXXX XXXX, XXXX. I have never lived at XXXX XXXX XXXX, XXXX XXXX , CA. My brother did!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief