milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-04-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Back in XX/XX/XXXX had two student loans that I consolidated ; with the total of the two loans being about XXXX. Unfortunately, being a single mother at the time, stopped receiving child support and had to stop going to school, to get a second job. As a result my loans went into default ; for a several years. Some years later started paying on the consolidated loan again, with a program to get out of default and this was accomplished. However in XX/XX/XXXX, while still paying on the loan, started receiving letters that I was in default, causing my federal income taxes to be with-held. When contacting the loan carriers was told continuously that there was another loan and for the next eight years could not get the issue resolved. To add to my chagrin, wages were garnish, still could not go back to school, was fired from jobs due to phone calls, and denied good jobs in my field because of my credit score. No one would help me take care of this problem. Finally when making my usual every two month call asking for help, an agent went off script and informed me that my loan may have been doubled. He then gave me additional information on how to get the issue resolved and in XX/XX/XXXX they applied back all the money that the IRA held and garnished wages, The loan although was taken care of partly, totally ruined my career. I am now XXXX XXXX XXXX and make XXXX an hour. I truly feel that this loan did not serve the purpose that it was intended to do

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me.. Please verify this account and the information used to open this account My credit files report an address that is not known to me and there have been attempts to open accounts from an address.

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 03-01-2016 about Debt collection (I do not know) with National Credit Adjusters, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: National Credit Adjusters sent a letter stating that I owed {$2000.00} which was never taken out. The phone number given transfers to XXXX XXXX which refuses to provide information on the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Mortgage (Other type of mortgage) with Ditech Financial LLC (IA).
Issue: Struggling to pay mortgage

Complaint: mobile home contract ended XX/XX/XXXX after paying 20yrs. now Ditech greentree states after contract ended, i still owe 8 thousand some dollars. all monies have been paid every month even after bankruptcy in XX/XX/XXXX and had been paying my original amount of XXXX and they came back and took me to court saying i had not made my payments of XXXX made me pay an additional XXXX dollars to keep my home on top of monies paid monthly. some months they had never even sent statements and monthly payment was paid.the only way more money can be owed is if my monthly payment was manipulated into complete interest instead of applied to the principal.. i have tried talking to them in the past and i get treated like an XXXX. also i have been divorced from my x wife that i bought the mobile home with for many years. have sent them my divorce papers many times over the years. since XX/XX/XXXX they have been sending my monthly statements in my x wifes name. ditech greentree does what they want when they want with no altenative for the consumer that uses their service. they recently sent a statement of default cure. i actually have been paying monthly since my contract ended just so i dont lose my home, now they want 5000+ dollars in 20 days or they are taking it. i can pay this off when i get my income return with my current wife but we feel that we shouldnt have too because our contract ended. x wife is XXXX, XXXX XX/XX/XXXX in XXXX texas. can not obtain XXXX certificate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CMRE Financial Services, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received a robo call from this company on XX/XX/2017 @ XXXX. It left a voice mail on my phone, stating that if there was a moment of silence I 'd identified myself, for which I did n't because I did n't answer my phone. I get telemarketing calls all day & refuse to answer my phone anymore unless I know who 's calling me. I 'm grateful they did leave a message though. That 's how I got the minimal info that I retrieved. I tried calling this number back before I knew they 'd left a message. It never connected & always disconnected. I never spoke to a rep nor do I have any idea what XXXX XXXX is saying I owe them. I checked my past medical bills & do n't find anything for them. Not really sure who this is & do n't know why CMRE would be calling me to surprise me or try to argue with or threaten me with collection on a bill I am not aware of. I do n't think that 's good business practice. They should 've sent me a letter first. I do n't answer any numbers I do n't recognize especially if they 're XXXX numbers.

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 06-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I called Equifax to get my credit score, and they transfered me to three different people to sell me credit score products. They want to sell me multiple credit scores from different models that may or may not be the score used by my potential lenders, and are purposefully vague to force me to buy as many of their products as possible. I hope my conversations were taped, because anyone listening would clearly see how Equifax is unfair to consumers who are trying to help themselves through difficult times, and are more interested in taking our money than helping. A potential lending told me my ability to get a loan is based on my credit score ( NOT MY CREDIT REPORT ), which I understand comes from the detail in my credit report. However, even though I have a copy of my credit report, I have zero understanding and ability to convert the report detail into a credit score ( s ) that can help me see the score ( s ) that potential lenders see. I am left unable to make good financial decisions. I am absolutely being held hostage. I am being forced to apply for a loan which negatively impacts my credit score, to then have the right to see my credit score that was used for my loan decision. THIS IS UNFAIR!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MO).
Issue: Advertising and marketing

Complaint: I currently am in posession of a Capital One Visa Card, I was given a promotional rate at some point and month after month I could not find on my statement when the promotional rate expired. I got busy and forgot about it. I finally received something in the mail in XXXX that alerted me it would expire in XXXX. I began doing research on other cards in hopes of transferring the balance for a lower or 0 % rate. I was able to find XXXX, unfortunately another Capital One card but XXXX not XXXX. The main screen I used to compare did not reference any limitations on balance transfers, nor on the information I received with my new card. I called Capital One and they told me to do a " search '' on their site for " balance transfers '', only then did it state you could not transfer to another Capital One card. I believe this is very deceptive in their advertising and while the information was available it was not in any of the disclosures I received or in the " compare '' screens. I am now left with a hefty APR and trying to find another card to transfer to. My complaint involves APR, Rate, Balance Transfer as well as Advertising and Marketing. While I have not valued what I will lose in interest charges yet, I do plan on coming to an amount that will be less than satisfying given 22 % on a balance of {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Student loan (Federal student loan servicing) with National Enterprise Systems, Inc. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: In 2009, I was trying to enroll with XXXX University to earn a XXXX in XXXX. I was told that I did not have the required credits to enter the program. I did not enroll, did not pay the enrollment fees and did not pursue the degree. XXXX received funding through XXXX XXXX in 2009. Since that time, I have been trying to resolve this issue with all parties. Now, XXXX XXXX is contacting me via XXXX, regular mail and by phone numerous times per day even using a spam type of service to call me using my own cell phone number. I have explained that I did not receive these funds from XXXX and was never enrolled. XXXX XXXX has stated it does not matter if I did n't receive the funds that I am still required to pay even if it went to XXXX. They are now telling me that I am going to be facing legal action, seizure of personal property and tax refunds. I can not get them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (KY).
Issue: Unauthorized transactions/trans. issues

Complaint: I recently ordered items from XXXX for XXXX. Upon realizing that they would not be delivered in time for the holidays, I cancelled the orders. Unfortunately, the payment authorization holds that were placed by XXXX remained on my RushCard account. I contacted XXXX Customer Service and they assured me that the money had not been withdrawn, as all my orders were cancelled. Upon calling RushCard Customer Service, they stated they would need verbal authorization from the merchant stating all orders/totals had been cancelled. We participated in a conference call with XXXX and they confirmed the needed information. When speaking with the RushCard representative afterward, he stated that since my account had not been open six months, he could not do anything. Because of RushCard 's policy regarding this, I will not receive my money for TEN DAYS. I need this money to finish my children 's XXXX shopping, which was my intent when I cancelled the orders.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2016 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Approximately 1 1/2 years ago I submitted proof that I have no tax liens against me by suppling Fed tax lien release docs to all XXXX reporting agencies. I also dispute any claims that I have unpaid or delinquent medical bills. There is nothing else that I am late with. I se3nt the letters by certified mail and to date, I have never heard from any of them. I will attach the docs that show the tax releases. I hope you can help me, as I am sure you are aware that it is very difficult to get any response from these agencies. 
Thank you for your help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Hello, I believe that FedLoan Servicing has acted inappropriately by forcing a forbearance on me when I did not ask for one, while they were re-calculating my IDR/IBR payment. Additionally, the forbearance was only for a month ( I seems ), and to add such a large amount of capitalized interest to my principal, all because of a one month forced forbearance, is cruel and excessive. 
The forced forbearance, capitalized approx. $ XXXX and applied it to my principal. I understand this is part of the rules of forbearance, but I did not ask for this forbearance, and even if I accidentally and passively allowed a forbearance because their verbage made it seem required during my re-calculation process, then that in itself was unnecessary and unfair. 
Additionally, the forbearance was only for a month, while they re-calculated and billed me for my new monthly payment. Why should I suffer with a $ XXXX growth of my principal, simply to ask for a re-calculation? 

I was ready and willing to pay my monthly payment during the month of my re-calculation, but there was no set dollar amount to pay, and I was sent EIGHT various and confusing letters solely during the month of XXXX, while I was waiting to find out what the re-calculated payment would be. I had no idea what to pay or when it was due because it kept changing all in the course of one month. 
Come XXXX, I see in my FedLoan online account, that my principal has grown by $ XXXX capitalization. 
What kind of practice is this? FedLoan has failed to process my request appropriately, they are perhaps guilty of purposefully confusing me with letters that state different information, they are guilty of using their forbearance rules to force my principal debt to increase, and they lacked in allowing me a say in the matter. 

I can afford my monthly IDR/IBR payment, but I can not allow them to bully me into growing my principal debt like this. How is this fair? How many other people are they doing this too? Why should such a drastic action be taken when all I asked was for a re-calculation? It is like I was penalized because I could not afford the standard monthly payment, so they said, " ok, we 'll make a way to get that money by just forcing you into a forbearance and we 'll capitalize on some of your interest ''. 

What can be done about this? 
Why must I suffer financially and have to have loans through a shady servicer? 
Who can help me? Who can help Us Americans who are trying the best we can to repay our student loans? 

Please investigate. The best solution I would like to see from this, is for FedLoans to remove the capitalized interest that they just added to my account, it is an undue and unnecessary burden, inappropriately applied. 
Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2016 about Debt collection (I do not know) with Equidata, Inc. (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent letters to this company about XXXX bills that i do not have any knowledge of XXXX is {$360.00} and another for {$110.00} i sent them a letter on XXXX to let them know i had no knowledge of these accts and i have no contract with this company. i do not give them my consent on this debt.They are a third party collector and they legally can not collect a debt from me Under the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2015 about Mortgage (VA mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Application, originator, mortgage broker

Complaint: We currently have a conventional home loan with CHASE bank. My wife is a retired XXXX XXXX veteran with a XXXX and I am also retired from the XXXX XXXX, we both get retirement pensions. So we applied for a VA home loan with my wife being the primary applicant thru CHASE to lower our payments. Both our credit ratings our over XXXX. We owe {$170000.00} on a house appraised at {$280000.00}. The application was completed XX/XX/2015 and the loan is still being processed ( over 90 days now ) we have submitted all information requested. We are being told that its still in underwriting. They keep requesting new information as we fulfill previous requests. We feel as though this loan process will never be completed they just keep requesting new information. We suspect that they want us to quit the loan process so they will not have to provide a reason for declining our loan ; because there is no reason other than keeping us on a CHASE loan with higher finance rates. I would 've quit the process with CHASE but we already have an appraisal completed and termite inspection with a locked in rate of 3.75 and interest rates have risen since the lock in. Any assistance that can be provided would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Consumer Loan (Vehicle lease) with AMERICAN HONDA FINANCE CORP (CA).
Issue: Managing the loan or lease

Complaint: This is a joint account that I have with my daughter XXXX XXXX. I was going through a lease extension and was denied making any further payments until the lease paperwork was processed. I sent in the signed lease extension along with my payment before the due date indicated. There is currently a XXXX balance on my account. I am erroneously being reported as having a late payment when I was renewing my lease agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Transaction issue

Complaint: I have been a Bank of America customer since XXXX and never had an outstanding balance in my XXXX credit card. On XXXX XXXX, XXXX I took advantage of a promotion of a 0 % cash advance. I paid {$600.00} fee for a {$15000.00} cash advance payable in XXXX XXXX at 0 % interest. 
In my following statement on XXXX XXXX, XXXX I was charged {$44.00} for interest, even though I had paid in full for my purchases. 
When I called the bank, I was told that my payment was applied to the cash advance balance and not my purchases, thus the interest on my purchases .... This to me is clearly a scam or misleading promotion since I am being charged twice the interest. Bank was unwilling to solve my problem and suggested to stop making purchases with my credit card to avoid future interest charges.

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 09-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I requested validation of debt dated on XX/XX/2016, company has failed to provided me with the documentation. The company failed to provide me with a notice to request verification of debt, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My account at Macy 's was closed without my knowledge, Macy 's also sent my account to an outside collection agency without providing anything to me in writing. When I contacted Macy 's to ask why I was told that because of my filing a chapter XXXX to save a property from foreclosure, Macy 's automatically closes the account, When I asked why my account which was not delinquent was sent out I was told that was the policy, I asked to be pointed to where Macy 's had these disclosures in writing? I was told that I could not speak to anyone else by XXXX XXXX and that was they way it was to call back. In reviewing the Rosenthal Act, Macy 's had a duty to notify me writing of their intentions furthermore, to send my account to a collection agency which will report to the bureaus and further damage my credit is illegal.

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 08-09-2015 about Debt collection (I do not know) with Radius Global Solutions LLC (HI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I moved to XXXX, XXXX in XXXX 2011, and established a phone number at that time. I initially received many debt collection calls, but now continue to receive daily robocalls for another person, from XXXX ( XXXX ). The phone numbers they use include ( XXXX ) XXXX, ( XXXX ) XXXX. I have attempted to block their number only to find myself daily robocalled by this same number. 

I have no debts in collection and have never had a business relationship with XXXX. Their robocall provides no mechanism to inform them that they are calling the wrong numbers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am the victim of ID theft and Equifax is reporting a fraud account. I have tried disputing it and have sent in a police report as well showing it is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is a reported address for Oregon. I have never even been to OR.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (VA).
Issue: Problems when you are unable to pay

Complaint: I had a vehicle reposted after setting up payment arrangements. There was no notice given of repossession. GM Financial also says they have no record of pending payments. They said according to Virginia Law no notice is needed but from what I found, a notice of 10 days is needed. 
The Virginia Consumer Protection Law and Title XXXX of the Code of Virginia outline the rights consumers have against lenders performing repossessions of their vehicles. The Virginia Code requires lenders to disclose their rights in their written loan contracts before they can legally repossess their vehicles. If they fail to disclose their rights to repossess, they can not proceed with repossession. 

Written Notice Effective XXXX XXXX, 2010, the Virginia Assembly passed legislation requiring lenders to send borrowers a default letter before attempting to repossess their vehicles. The lender must send a written notice by first-class mail at least 10 days before repossession. The notice must state the amount of principal and interest due and owing, and alert the borrower of default and provide him with notice of the lender 's ability to repossess the vehicle if the buyer does not pay the entire delinquency by a prescribed date.

Company response to consumer: Closed with explanation