milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-06-2016 about Student loan (Non-federal student loan) with AES/PHEAA (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I had a private loan dispersed with National Collegiate Trust. There is not phone number to contact them or anything like that. I deal with American Education Services to pay my bill and apparently they give National Collegiate Trust the payment. I ca n't afford the payment and they are not working with me to lower my payment. My interest in 7 % and my loan is too high due to interest. the Original loan was taken out for {$28000.00} and has now increased to {$51000.00} They have doubled the interest and will not work with me. I have tried to work with them by paying some of the payment, however, they still call and harass me to make payments I ca n't afford. My account number is, XXXX. My name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I can not access my report uploaded Id and as card never heard back security questions asked all answered you still denied access

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 03-06-2018 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Hello, i was charged an overdraft fee of {$35.00} for a transaction of {$11.00}. I spoke with a customer service representative and a manager over the phone. They said you already had 2 fees waived since i opened the account, that is probably 4 months or so. But as i told them chase never charged fees if the transactions were under a certain amount. The manager denied and said the fee will stay. Im a middle class person, living by paycheck to paycheck. I cant afford to pay {$35.00} for {$11.00}. Please assist.

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 01/30/2018 about Debt collection (Medical debt) with Pendrick Capital Partners Holding, LLC (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This account was removed due to reporting unveriable and inaccurate they re-sold the account and re-inserted back on my credit report. 

First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they deliberately continued collection activity and have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I have made repeated requests to have the PMI from my mortgage be removed and it has not. My Mortgage is through Freedom Mortgage and they have given me information that I do n't believe is correct - such as a loan under two years old ca n't have the PMI removed and loans that are 2-5 years old have to have a 75 % LTV amount ( I am at 71.5 % LTV ). I have spoken to numerous people during this process yet my most recent request submitted in XXXX has not been responded to. I have however received numerous unsolicited phone calls from them asking if I want to refinance my loan. I have no desire to refinance my loan with a company that wo n't communicate with me regarding inquiries I have submitted. 
During XXXX of the unsolicited phone calls from them I was actually yelled at by the manager telling me I was crazy for not refinancing and that he had no idea why I where I was 'coming up with my LTV . ' His name was XXXX XXXX I emailed Freedom Mortgage after that call on XXXX XXXX and also never heard back from them with my complaint on how he treated me. I used the appraising company that Freedom Mortgage said I had to use, my house appraised for {$400000.00} and my current loan balance ( As of my XXXX XXXX statement ) on my conventional loan is {$280000.00} giving me a LTV of 71.5 %. 
I have NO Idea why they wo n't remove the PMI when I have followed the steps I had to follow to remove the PMI.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Receiving calls about every XXXX minutes on home phone ... will not leave a message on answering machine and will not identify ones self ... Start conversation by saying this call is record .... Then I reply I do n't give authorization to be recorded..and hang up ... We are constantly blocking these XXXX service numbers. I did a number search and the number belongs to Miland Funding..

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Payday loan, title loan, or personal loan (Payday loan) with NAM National Arbitration and Mediation (PA).
Issue: Charged fees or interest you didn't expect

Complaint: I received a call from a company name XXXX XXXX XXXX, XXXX stating that they was going to file a lawsuit against me from a company Name XXXX XXXX who they said that i owe a payday loan too.The first price she quoted to me was XXXX. Then she stated that they will settle for XXXX. The person name was XXXX XXXX XXXX. I then Called the company name XXXX XXXX and they stated that they do not have any records on me owing them any payday loan. I gave them all of my information to check the database and nothing came up in my name. So i was told that they do not have any owed payday loan in my name. That when i contacted your company. I also sent you the Settlement Letter they emailes to me. I never responded to there letter and never gave them any money or my account number to withdraw cash. Their email address is as follow : XXXXXXXXXXXX. Address XXXX XXXX XXXX XXXX. # XXXX, XXXX, Ca. XXXX. Phone number XXXX.

Company response to consumer: Untimely response
Consumer complaint received 05/22/2017 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: Was not notified of investigation status or results

Complaint: Experian is reporting information on my credit report that I requested to be validated. I mailed a letter of dispute on  XXXX / XXXX / 2017  in regards to an account,  XXXX   XXXX  Bank, which is reported on my credit report. Experian sent me a letter informing me that the account was verified. I wrote another letter of dispute on  XXXX / XXXX / 2017  requesting proof of the validation of this account. Experian then sent me a letter informing me that they will not reinvestigate this information again unless I send them additional information to support my claim.     Under the Fair Credit R eporting Act, 15 U.S.C. 1681g I have the right to request that the Experian disclose to me all of the documents that they have recorded and retained in their file at the time of my request concerning the accounts that they are reporting in my credit report. According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if they do not investigate AND respond, Experian must delete the disputed information from its files.      I only wanted to see proof of the validation of this account. I can only assume that there was no investigation into the matter being that there was no evidence was given to me about this account. By publishing these inaccurate and unverified items on my credit reports and distributing  them to 3rd parties, Experian is damaging my reputation and credit worthiness.

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 08/23/2016 about Student loan (Non-federal student loan) with CITIZENS FINANCIAL GROUP, INC. (VA).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: Citizens ADVERTISES Student Loans starting at 2.49 % with a parent cosigning. We cosigned and the rate came back a 6.49 % or 161 % over the best available rate. We were immediately concerned that there was an issue with our credit rating, in fact worried of identity theft due to the high rate offered. Upon speaking with the representatives, we were told that our rate was determined only by one factor, the higher XXXX rating of the student or parents. Our rating was actually EXCELLENT at XXXX. In fact, this is a quote from XXXX. 

At this point, we asked HOW MANY PEOPLE ACTUALLY QUALIFY for the 2.49 % rate. We were told that information is " proprietary. '' I asked if she ( Supervisor XXXX XXXX ) knew of ANY LOANS given out at the advertised rate. She told me that information was also proprietary. 

In my opinion, they are using deceptive advertising practices. Listing rates that they never intend to fulfill. 

" It 's important to understand that if you have a XXXX score above XXXX, you 're going to be getting the best rates and opportunities, '' says XXXX XXXX, director of public relations at XXXX, the analytics company whose credit scores are most often used to determine a borrower 's reliability. " While it 's nice to aspire, you really do n't need to, '' he says. 

We believe that this is a case of false advertising ... of luring customers in with low rates and then not pro

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Credit card () with CITIBANK, N.A. (VA).
Issue: Credit card protection / Debt protection

Complaint: COSTCO and XXXX XXXX entered into an arrangement that promoted XXXX XXXX credit cards and COSTCO membership. I agreed to obtain an XXXX XXXX card and a COSTCO membership pursuant to this agreement. For reasons known to XXXX XXXX and COSTCO, they terminated this agreement with terminated my XXXX XXXX card. 

COSTCO sought to recreate this arrangement with XXXX, a different credit card company ( issued by CitiBank ). To promote this new agreement, XXXX sent me a credit card which I immediately destroyed and never validated. Notwithstanding my refusal to enter into an agreement with XXXX, COSTCO charged a new membership ( that I had not authorized ) to the Visa card that I had destroyed. I had decided that I would not renew my existing membership with COSTCO and I refused the Visa card. 

Nevertheless, COSTCO charged to the XXXX credit card I had not authorized a new membership with COSTCO that I had not authorized. When I objected to this, XXXX told me that I must speak with COSTCO about this, rather than considering this to be a fraudulent charge that I had not authorized to a credit card I had not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: PennCredit Corporation is attempting to collet a debt. I have closed my XXXX account for insufficient funds. I have not used my XXXX account since I called to the agent and I closed it. I just had {$10.00}. Now, they sent a notice of collection. First of all, I am in a hardship ( economy crisis ) and I am not able to pay {$48.00}. They are out of their mind. One again, I have not used the XXXX.?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: For several years, XX/XX/XXXX-XX/XX/XXXX I was unable to make payments on my student loans and the company told me that my only option was a forbearance. That is how my XXXX loan became a XXXX dollar loan. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (GA).
Issue: Charged fees or interest you didn't expect

Complaint: I was not advised of the high interest at the beginning. I borrowed {$620.00} and have paid {$1300.00} dollars so far and headed toward {$3000.00} to pay back

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: These inquiries I did not authorize. 
Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016 Show more Account name XXXX Date of request XX/XX/2016

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 11/17/2017 about Payday loan, title loan, or personal loan (Installment loan) with HSBC NORTH AMERICA HOLDINGS INC. (OH).
Issue: Problem with the payoff process at the end of the loan

Complaint: On XXXX XXXX, XXXX, I opened a Revolving Line of Credit with XXXX XXXX XXXX XXXX HFC under the umbrella of HSBC. Much to my dismay I recently discovered HFC sold a loan ending in XXXX to XXXX by way of fraud. The loan agreement bearing my signature ended in XXXX ; the loan HFC sold to XXXX ended in XXXX. When HFC sold this loan to XXXX, HFC provided the agreement signed by me for the loan ending in XXXX, as validation for financial responsibility for the loan ending in XXXX, which is illegal. Thus, I made contact with HSBC and spoke with two different Management employees ; one XXXX XXXX, and XXXX XXXX. XXXX XXXX worked with me for two weeks prior to her layoff ( effective XXXX XXXX, XXXX ), in an attempt to resolve this issue. What XXXX XXXX discovered and share with me was the following : 1 ) There was no loan agreement bearing my signature for the loan ending in XXXX ; 2 ) There was no documentation or notes in the HSBC system of records on why the loan number change took place ; 3 ) There were no notes/documentation in the HSBC system of records showing I was notified of this change ; 4 ) There were no notes/documentation in the HSBC system of records showing an effective date of when the loan number would change ; 5 ) There were no notes/documentation stating who made the decision that loan ending in XXXX was my debt. However, XXXX XXXX did share with me : 1 ) There was a HUD XXXX in the HSBC system of records which showed on line # XXXX the loan ending in XXXX was paid when I refinanced my home In XXXX. After XXXX XXXX departed I ended up communicating with XXXX XXXX, who was rude, curt, short and unwilling to listen. Most of our conversations where shouting matches. I asked XXXX XXXX on several occasions for the number to the Chief Executive Officer, of which she refused or provide. XXXX XXXX then sent me a letter and upon reading the letter one would believe that I sent XXXX XXXX written correspondence and she was responding. Not true all of our communication was via phone. Attached to XXXX XXXX letter was a bunch of automated printout, which according to the opinion letter from the FTC by XXXX XXXX XXXX, does not constitute validation. After I received XXXX XXXX letter I made contact with her once again, and XXXX XXXX as me not to contact her again. Thus, I am asking that XXXX XXXX does not respond to this complaint and that I be provided with the number to make contact with the Chief Executive Officer.  XXXX then sold this fraudulent loan to XXXX XXXX XXXX. I also possess a credit report which shows this HFC account was closed XXXX XXXX, XXXX, showing paid in full and HFC states this loan was sold to Springleaf XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am the co-signer on my Son 's student loans. When my son was preparing to go to College XXXX was willing to loan him the money but the interest rate was extremely high and they advised if he obtained a cosigner it could lower his interest rate. I could not afford to pay for my son 's College so I agreed to cosign the loan because at that time we were told that I could be released at a later date once the student proved that he was able to make the payments. I contacted Navient to find out what we need to do to have me released as his co-signer. They state that he MUST graduate, which he did n't and he does n't intent to go back to school due to the costs associated with it. He now has a really good job and has been paying back his student loans. The Navient representative I spoke to stated that because he has not completed his course of study I can NEVER be released as cosigner. I ca n't believe that there is NO way to release a cosigner if you did n't graduate. That is discrimination as far as I am concerned. Is that even legal to not have a way for a cosigner to be released?? My husband and I would like to purchase a home but we ca n't obtain financing due to my cosigning of the student loans and it makes our debt to income ratio to high.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: The original credit line of this card was XXXX they are trying to say i owe more than XXXX i dont know from where or how

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 07-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with VIRTUOSO SOURCING GROUP, LLC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received notification by XXXX my credit tracker that showed a company by the name XXXX placed a collection account on my credit report on XXXX/XXXX/2015 for the amount of {$1100.00} and the creditor XXXX. I have never received anything from XXXX owing any money and I never received anything from this collection company virtuoso stating I owed any money and allowing me to dispute the account as it is my legal right. 

As you can see from the attachment I provided XXXX. My account is still active with them and currently owe the money to the company not this collection agency. This account is not in a collection status XXXX.

Company response to consumer: Closed
Consumer complaint received 07/19/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: My mom 's name keeps getting attached to my credit report because it 's similar, need to remedy that

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 about Vehicle loan or lease (Loan) with M&T BANK CORPORATION (NY).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: M & T  Bank issued auto loan to  XXXX  yr old working woman for  XXXX   XXXX   XXXX  in  XXXX  from   XXXX      XXXX   in  XXXX  NY. Would not take automatic loan payments deducted from paycheck, kept adding late fees and charges even though payments were being made with much struggling. They repossed in  XXXX  for  2  missed payments due to illness, at a cost of about  XXXX  dollars in repossession fees. Had ca r 2 yrs  and transmission went 2 times but not covered due to milage, about  XXXX  dollars total. Pleaded w/bank to lower payments but they just added costs and interest and late fees. They made a predatory loan to a person that just needed a car for work but only had a trade-in to work with. Will end up paying  XXXX  dollars for a  XXXX  dollar car all because  M & T  Bank and  XXXX   XXXX  saw a working class poor person in a vunerable situation.

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