milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2017 about Student loan (Private student loan) with SLM CORPORATION (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: This is a followup to case XXXX which Sallie Mae responded to and you closed without input from me. Their response was misleading and downright false. I replied with this feedback, thinking it would reopen the case. I have now learned that I must submit a new complaint, which is somewhat confounding. I have consolidated my loan with another company since Sallie Mae engages in dishonest practices. Here is the content of my feedback to the initial complaint : " I have verified with XXXX XXXX from Sallie Mae 's legal department that NO FIXED RATE OPTION WAS GIVEN DURING MY APPLICATION PROCESS. XXXX XXXX claims that my school ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) was the reason that I did n't have the option, that the school only allows them to offer Variable Rate Loans. According to XXXX XXXX at XXXX, this is false. Logic also dictates that this is completely false. The school has no control over my private loan. I have no idea why XXXX XXXX would tell me such a fabrication but I 've contacted my state rep and Senators and plan to introduce legislation to outlaw this type of corruption and banks taking advantage of students. To repeat : XXXX XXXX from Sallie Mae 's legal department confirmed to me in a telephone conversation on XXXX XXXX, 2017 that I was never offered a fixed rate and said the reason was because my school ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) does not allow Sallie Mae to give students fixed rate loans. XXXX XXXX with the Financial Aid dept at XXXX disputed this in a phone call on the same date. " We have no control over it. It 's a private loan. That does not make any sense '' was her exact quote. I have attached screen caps from a new loan application for XXXX to show that the type of loan ( fixed rate or variable rate ) is never offered. Thank you. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Sent validation request to collector and did not receive a response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Tax Lien information on all XXXX reports is incorect I am making payments

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 01-07-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Hello - Navient ( prior was XXXX XXXX ) was my loan server for many years. I feel that I was misinformed MANY times about repayment loan options. NEVER was I told about The Federal Loan Forgiveness Program option so I continued to make payments to Navient. I have > {$90000.00} is student loan debt AND work for an eligible institution that meets the qualifications for loan forgiveness. I 've been working with this institution for 13 years. 

If they would have been forth coming in my options, told me about the Federal Loan Forgiveness, I would have transferred my loans to the Fed Gov, met the 10 year payment requirements by now and the rest of my loan debt would have been forgiven. This is very upsetting. 

In the past year ( after finding out about the Federal Loan Forgiveness Program ) I transferred my loans to XXXX XXXX. 

Do I have any recourse?

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AL).
Issue: Loan servicing, payments, escrow account

Complaint: My complaint is as follows : ( 1 ) I have verbally requested Ditech to make no telephones calls to me on my job but the telephones call persists. 
( 2 ) Also, my supervisor, XXXX XXXX, the Executive Director of my company has verbally informed Ditech that I am unable to receive calls from them on the job and requested that they stop/cease making telephones to me immediately. 
( 3 ) Ditech refuses to stop harassing me on the job via telephone calls. Furthermore, on XX/XX/2016 at approximately XXXX., Ditech has begun making telephones to me on the job again.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Problem with fraud alerts or security freezes

Complaint: Prior to Equifax 's announcement, XXXX had a link to freeze their credit easily. After X/XX/2017, they change the link and now are trying to hide the link behind their " monitoring system. '' This is disgusting that they are taking advantage of people trying to freeze their credit. This is a service that should be provided for free, after all THEY are the one who messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Debt collection (Medical debt) with Financial Corporation of America (DC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: We received a notice dated  XXXX   XXXX  from Financial Corporation of America alleging a medical debt. We responded  XXXX   XXXX  citing subsecti on 809 b of the F air Debt Collection Practices Act with a request that FCOA cease activities to collect this debt until they provide documentary verification of the debt. Thus far, we have received no documentation. However, we received a second notice from  FCOA reg arding this debt, dated  XXXX   XXXX ,  2017 . We understand this second communication to constitute a viola tion of the Act.   The account number in question is  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 08/18/2017 about Credit card or prepaid card (Payroll card) with NETSPEND CORPORATION (NJ).
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint: I have a skylight pay card and they have told me I can either write a check or use the card at specified Banks or ATMs listed in there guide to obtain cash. However I have tried writing a check and taken it to Banks listed to cash the check but the banks refused to cash the check. Also I have gone the recomended ATMs to get money but instead I have been charged {$4.00} as a fee. Neither of these options am I able to get cash. Instead I have to go XXXX and buy something in order to obtain cash. I have been forced to buy useless things at XXXX which I do n't need. A copy of their guideline and transactions will be attached showing how difficult to get the money and also fees charged.

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 03-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient is my loan servicer. I tried to renew my IBR plan and had to go through several different websites to do so, and then submit paperwork on top of it. They dragged out the process so the loan went into a high dollar repayment even though they had my submissions two weeks before the due date. Now they are saying I am late. Because I am not working, this means going from XXXX to over {$900.00} payment which I can not afford!

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Debt collection (Credit card) with Innovative Credit Solutions (AZ).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: One month ago I received notice from my credit monitoring service that an entry had been made by a collections company. I viewed my report and saw that a company called Innovative Credit Solutions had requested a copy of my credit report, and then had reported to XXXX and to XXXX that an XXXX account that they alleged belonged to me was in collections. I had never heard of this company, had never received any communications from them, and do not have a XXXX credit card account. Innovative Credit Solutions reported to the XXXX bureaus that the open date on this account was XXXX/XXXX/2016 and that there is a balance of {$1500.00}. The entry made by them on the trade line with XXXX reflects XXXX XXXX as their company name, while the company name on the trade line with XXXX states the company name as Innovative Credit Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ).
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 took out an auto loan with USAA on XX/XX/XXXX, XXXX at some point in XXXX i fell behind on 2 payments due to a financial hardship. I lost my job. The account almost went into collections and we we came to an agreement that once I made my payment for a chargeoff on XX/XX/XXXX they would remove this remark from my credit report. 

They still haven't removed it yet. I have been trying to rebuild my credit ever since XXXX and every single time I apply for anything ( even simple store cards to build my credit ) I'm always getting denied. 

I have learned a lot about credit over the years and I'm just looking for a fresh start. I've been trying to build credit since I was XXXX. I'm now XXXX. This is the only loan I've ever taken in my life and I've never had a credit card before. I do not feel that this one mistake in the past should reflect my credit score as a whole. I'm starting a family and having this resolved would greatly help my situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (I do not know) with I.C. System, Inc. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX 2015 Amount says XXXX This amount has been paid. Now a third party is trying to collect the same amount.

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 08/17/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX has reported on multiple Credit reports that I have an account Opened XX/XX/XXXX of {$500.00} I have not had XXXX in over 6 years! I have attempeted to contact them by mail with no responce. I have filed disputes with the CRA and have had this removed before as the Date they have posted now is different then the dates they had on it before it was removed and now they are adding it back and claiming I owe them money. They have also reported a charge of {$280.00} Claiming to be Opened XX/XX/XXXX. Which is not possible as I was not in the state at that time! I was in Ohio working for a XXXX XXXX! I have tried to solve this matter with them and they still ignore me. This is the last straw for this! If this is not removed from all agencies i will have no choice but to file a Lawsuit against Both SWC and XXXX for The damages it is causing.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit card () with BARCLAYS BANK DELAWARE (HI).
Issue: Application processing delay

Complaint: I paid a portion of my credit card bill on XXXX different Barclay 's Bank cards. The debits appeared on my bank statement today, XXXX XXXX, but there are no credits on my card statements. They say it will be posted tomorrow, the XXXX. That means I am paying interest for XXXX hours to the card company on {$12000.00} that they have already received from my bank. If they do that for thousands of customers, possibly millions of dollars, they could be over charging customers for millions over the years.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Credit reporting () with EQUIFAX, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX has deemed account to be fraud and Equifax refuses to remove it even though I uploaded the documents XXXX XXXX sent me stating account was found to be fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Deposits and withdrawals

Complaint: Our ING online account was purchased (? ) by Capital One. My husband tried to access our online account and was locked out. After waiting on hold for up to an hour each time over a week, he was able to reach someone who said our account would be unlocked and it would take 5 days. That was two weeks ago. He has been trying ever since to reach a person at the phone numbers they have online and in the documents they mailed to us to no avail. He has been on hold each time for up to an hour each time. We can not access our money and can not get a hold of anyone to make that happen. We have no idea what to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (AZ).
Issue: Managing the loan or lease

Complaint: As power of attorney for XXXX XXXX XXXX I made car payments from his bank page think it was going to XXXX XXXX. I did n't realize that it was in fact still linked to GM Financial. He had a loan with then XX/XX/XXXX and the car was paid for. I sent XXXX They returned XXXX payment for XXXX. However following payments in the amount XXXX and XXXX were made upon receiving letter from wells that said he was behind XXXX so I paid what I had on hand knowing that I had just sent XXXX. It was never received and I have been trying since XX/XX/XXXX to get the money back from GM. Apparently they had and old address on file. I call in XX/XX/XXXX to find out what was going on after his bank said they could n't retrieve them money I would have to call GM. I was told they would update the account and issue the check. On XX/XX/XXXX I called again as I had not received checks as per first call it would be XXXX. I was told then they would put in request again and someone would call the following Mon. XX/XX/XXXX. I called again today XX/XX/XXXX cause there were still no checks in the mail. I was told they were waiting on another department to return email and they could n't give me a time frame someone would get back to me. When I asked to speak to supervisor I was transferred to XXXX XXXX 's voice mail with no estimated time of call back. At this point they have till Wed end of business to give me time line or I 'm going to court and charging interest and penalties in accordance with Arizona law they can pay court fees and whatever else the court deems fit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2016 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Rewards

Complaint: My credit card account was closed abruptly and I called the bank but they did not have any information to provide other than saying a letter has been sent on XXXX XXXX but that does not help me. 
For this card I pay an annual fee and I have lots of rewards associated with this credit card account. I have always paid on time actually paid mostly ahead of time and If Barclay wanted to end relationship they should have informed me ahead of time so I would have moved to another company. I have followed every policy and Barclay by ending abruptly is gaining more than XXXX $ in rewards which they have refused to give me back as they claim that can be redeemed only when account is open, but the account was closed by Barclay not me so they taking my rewards is not a fair for me. I choose to use Barclay for my purchases only for the rewards otherwise I would have moved to XXXX XXXX or XXXX etc. 
I believe Barclay has scammed many customers like this as I see this is a pattern of behavior exhibited by Barclay. The only reason I was with Barclay was for the rewards as I do have high spending purchases and it makes sense for me to get the best cash back in term of rewards for my purchases which help offset my cost. I have more than {$3000.00} spent on travel and could have easily redeemed the {$600.00} rewards had they provided me a notice for their intent to break the relationship. I spoke to a supervisor XXXX from Barclays and she mentioned that they are unable to help as account is closed and there is no much she could do. Barclay did not attempt to call me or even inform me of this, I happened to know that my account was closed when I had logged in to their website. I also want to clearly state my account does not have any disputes charges every purchased are verified purchase and authorized purchases. With Barclay holding my rewards it puts me at a tough spot as I am not willing to sacrifice my rewards for a scam bank like Barclay. I am reaching out to seek your help me get back my rewards and annual fee of {$89.00} back for the mistake done by Barclays and also put an advisory to consumers on how these companies are scamming individuals. The total miles that barclay did not credit me was close to XXXX miles including the 10 % which I would have got back for redeeming towards my travel purchases. i would like to see {$680.00} posted as credit to my account.

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 04-12-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX my Mortgage was transfered to a new company Nationstar Mortgage account # XXXX the terms of my original Mortgage agreement signed XXXX/XXXX/XXXX states payment are due on the XXXX of every month but I have till the XXXX of ever Month to make payment. 

Today XXXX/XXXX/XXXX I arrived at work to an excitable co-work who explained Nationstar had called about my Payment. being Late and leaving a call back number and code ( XXXX ) XXXX code # XXXX. Why am I getting an embarrassing call at work about a Mortgage payment that is n't late till XXXX XXXX. In the pass I have received lots of Email from Nationstar about willing to help me with payments. Once again My account is n't late Example of Email : Dear XXXX, Everyone at Nationstar is committed to " helping homeowners succeed. '' To keep things easy for you, we offer multiple ways to make your monthly payments. There are XXXX convenient ways you can pay right now : You have XXXX ways to pay right now : Click here to make a one-time payment online. ( No fee if received within nine days of XXXX/XXXX/XXXX ) Call to make a payment using our automated phone system : XXXX. ( Fee applies ) Call and pay by speaking to a Nationstar Representative : XXXX. ( Fee applies ) Remember, we 're here to help! If you have any questions or concerns about making your monthly payment, please call us now to discuss possible solutions at XXXX. If you have already made your scheduled monthly payment, you may disregard this email. 


Thank You, Nationstar Mortgage XXXX # XXXX My Mortgage is n't Late till XXXX XXXX but for some reason I 'm being harassed by Nationstar

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Other debt) with ERC (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I am in the process of going back to school. Once my credit was pulled I noticed Enhanced Recovery Corporation reported to all three credit bureaus as a collection on behalf of XXXX XXXX. I contacted Enhanced Recovery Corp on XXXX and XX/XX/XXXX, both times the representative was very rude and not helpful. She stated it is my debt and I need to just pay it. I asked to please validate the account and she stated that has already been done. I am not aware of this company. I am in Tennessee and this collection agency is not licensed in the state of Tennessee. School will be starting in XX/XX/XXXX, can someone help me resolve this issue so I may continue applying for my student loan? Reported on XX/XX/XXXX Amount {$250.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (I do not know) with Alliance Collection Agencies, Inc. (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Alliance Collection Agencies Inc. is attempting to collect on a debt that I do not owe from a company I have never heard of.

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 11/30/2016 about Credit card () with JPMORGAN CHASE & CO. (CT).
Issue: Customer service / Customer relations

Complaint: On XXXX/XXXX/2016 I contacted Chase Credit Card Online services by phone regarding my Chase Visa XXXX credit card. Every month I get an email from Chase that ONLY says " You have a bill due in 20 days. '' I asked Chase if I can get an email that states the balance due and the due date like the one provided by my XXXX and XXXX XXXX. Chase says that for security reasons they ca n't send me my balance and due date in an email. I pointed out again that XXXX and XXXX does it. I just want to easily learn what I owe and when I owe it without having to log on to my account from the safety of my home computer. By making this information more difficult to obtain, Chase makes it more likely that I will miss a payment.

Company response to consumer: Closed with explanation