milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: A few weeks ago I increased my monthly payments from direct debit to add an extra {$140.00} per month onto my monthly installment amount. I received an email on XXXX XXXX, 2017 at XXXX XXXX stating that I am enrolled in direct debit service so the payment of {$360.00} will be automatically withdrawn from my bank account on X/XX/2017. On XXXX XXXX, 2017, I looked at my bank account and noticed that my student loan payment was not taken out of my checking account. I called customer service and was placed on hold for 35 minutes, only for them to tell me that the Delinquency is no big deal, that the confirmation letter they sent me on XXXX XXXX was a mistake in their system, and that it wo n't change anything on my account. Upon logging into my account I noticed that all of my loans were DELINQUENT. I manually processed a full payment immediately in order to cover the over due balance. I then received another letter on XXXX XXXX, 2017 stating that interest had been capitalized on my loans. I immediately went in and made a payment for the interest amount of {$53.00}. This error needs to be corrected and I demand the delinquent status be taken off of my account and erased from my payment/credit history. I talked to customer service today for 33 minutes and they admitted their mistake in sending me a confirmation that my payment would be automatically withdrawn on the due date, they told me that because of a delay in their system, they could not take off the capitalized interest. I then spoke to a manager who put in a claim for me and told me to call back in two weeks. I do n't want to wait two weeks to get my money back and for them to fix their mistake. But not for the confirmation email and letter I received on XXXX XXXX, 2017, I would not be delinquent on my loans, had forbearance placed on my loans, and be charged capitalized interest. I pay my bills every month when they are due and in fact, I pay more than what is due. As a customer I deserve respect and I was treated as if it was my fault. The customer service man I spoke with today, XXXX XXXX, told me that it is not likely anyone will be able to help me even though he is putting in a request to management, after he rightfully admitted that the reason for this matter was due to their own mistake and systems. I have received emails and letters in the mail which apparently, accounting to FedLoan Customer Service, were incorrect. As a customer, I relied on this information from FedLoan Servicing, which caused my accounts to become delinquent and my loan interest to be capitalized. I am very disappointed in FedLoanServicing and I expect this mistake will be fixed promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with PREFERRED CREDIT INC (WI).
Issue: Charged fees or interest you didn't expect

Complaint: I took out a line of credit with preffered credit ive been trying to work with XXXX XXXX the lead supervisor and I want to get a lower interest rate or a credit to be applied to my acc to reduce interest she has not replied to my phone calls XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted the three credit bureaus regarding the accounts stated below. I have asked the bureaus to place a fraud alert on my credit report to stop any further fraud from occurring and I have asked them to dispute the unauthorized accounts. 


XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - XXXX I am not able to see what dates the accounts were opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/16/2017 about Debt collection (Medical debt) with Avadyne Health Holdings, Inc (IA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a letter notifying me that H & R Account was attempting to collect an alleged debt on XX/XX/XXXX. I did not recognize the amount or the date of service so I sent a certified mailing requesting verification on XX/XX/XXXX. See attachment.
I never received any verification back. H & R Account is violating FDCPA by not providing verification of debts. The company has resumed collection activity and has reported the debt to by XXXX credit report as a negative open collection without providing verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/16/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: For several years I have not been able to get a FREE credit report from XXXX and Transunion. Every time I ask I get a different reason for not allowing me to see my credit report that they have on me. One of the reasons is that Transunion has false information that they will not divulge nor allow me to challange.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-10-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AR).
Issue: Identity theft / Fraud / Embezzlement

Complaint: A Captial One credit card was taken out in my name in 2014 by my now estranged wife, this information was never given to me and I never agreed to or signed any document to open this line of credit. I have only now found out because she stopped making payments on the card after filing for divorce, someone told me she was bragging about having opened a card in my name and I checked my credit report to find it was in fact true. My wife does not even deny that she did this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX credit bureaus are not reporting XXXX account from XXXX XXXX that was already paid in XXXX of 2015 that is affecting very badly my credit. In my latest credit report of XXXX/XXXX/15 they still reporting incorrectly the account as bad debt and charge off as bad debt. Attached is the following : 1-the proof of payment settlement. 2- is the information that is being reported by the XXXX credit bureaus. This complaint is against ( Transunion ) Credit Bureau

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Account Not a Valid collection - item was to be Deleted with Payment in the month of  XXXX  and  XXXX  I contacted SYNCB regarding my SYNCP / JCP and SYNCP /  XXXX   XXXX .   I spooked to numerous representatives and supervisors unfortunately they feel that the bank has the power to keep the item on the report for more 10 years those account past the statue of limitation period and they are still reported incorrectly Accounts was sold to another lender and they never verified the settlement with the lender and never reported this account as Settled accounts still showing Negative on my credit report

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 02/27/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The Best Service Co.,Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: " Contract was cancelled '' ... '' NO CONTRACT '' The original creditor who was XXXX XXXX sold my debt to a collection agency which is The Best Service Co.Inc and they also wrote off my debt on their taxes. This wrote off my obligation to pay. The contract I had with them was cancelled, I no longer have a contract with them and the debt is being reported to all three credit bureaus by the collection agency that they sold it to. The results to have them remove this collection debt off all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Payday loan, title loan, or personal loan (Payday loan) with GVA Holdings, LLC (FL).
Issue: Charged fees or interest you didn't expect

Complaint: After accepting my loan and made my first payment, I attempt to track my interest rate on my great plain account by accessing their website, I noticed that the bi-weekly payments went to interest. The charges became excessive and amounted to only fees outside of the agreed upon amount. I borrowed {$500.00} and have paid back over {$900.00}. The company continues to harass me claiming that I owe them an additional {$2200.00}. for a above the amount that I have already paid back for a {$500.00} loan. Prior to receiving the loan I was not allowed to view the full agreement I 've tried to view the loan agreement at the company 's website but they will not allow me to see agreement I can only view the payment history which. I wish to be released from this fraudulent agreement. I can not phantom that an {$500.00} loan will cost {$2000.00} to repay. This is not a fair deal and I 've been scammed. Since I have already paid more than the amount I originally borrowed I would like them to consider my account paid in full and close my account. I would also like them to make ... corrections to my credit report saying the loan was paid satisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Debt collection (Credit card) with ERC (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: ERC is forum shopping and using an address not on file for me since XX/XX/XXXX to collect on a debt that was paid back in XX/XX/XXXX. My account was opened with a XXXX address yet ERC purposely chose an address which has not been used for 30 years in anticipation that I would not be able to dispute it long distance. Fortunately, my parents forwarded my mail where I intercepted this communication.

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 03/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Razor Capital, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I moved in XX/XX/XXXX XXXX miss read broken meter. This was disputed and resolved with my credit reports and razor capital. Send them documentation XX/XX/XXXX. Now XXXX is trying to collect with a false statement. ( Bill ) No payment was ever made on this account - no proof of payment has even been made. like I said i did not reside at this address for 5 years. with wahat the payment was made?? proof Check or credit card and the account number that it was paid from? This is a fake bill and they are illegally try to collect on a debt that is no longer even valid by sending a fake bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Credit card () with Total Card, Inc. (CA).
Issue: Customer service / Customer relations

Complaint: Total Credit Card refuses to provide me with a letter stating my account is paid in full. They are reporting inaccurate information to the credit bureaus regarding the account. They added a comment on my XXXX Credit Report that I did not make the first payment for the card. I paid the initial {$89.00} payment. I also paid {$420.00} via money gram to close out the account. I was told by a representative of the company when requesting inaccurate information to be removed from the report " that 's not going to happen ... ''

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (MA).
Issue: Managing the loan or lease

Complaint: I recently returned a lease to Lexus, which was financed through Lexus Financial Services. As part of the negotiation to return the lease and enter into a new lease, Lexus agreed to settle the remaining balance on my account. The account had a balance of {$1800.00}. Lexus applied a waiver for that amount to my account, which I can see is posted on XXXX/XXXX/2016 when reviewing the online account history. However, I recently received a notice from Lexus Financial Services indicating that I owed a balance of {$1800.00}. The notice was dated XXXX/XXXX/2016 and indicated that I needed to pay that balance in full on XXXX/XXXX/2016. I contacted Lexus Financial Services on XXXX/XXXX/2016 and was informed that my account had been placed with the XXXX. I spoke with a representative ( XXXX, ID # XXXX ) and he informed me that he did not see the transaction in that amount in the notes he was reviewing on the account ( which is separate from the accounting system ), and that my account still has a balance of {$1800.00}. He informed me that the waiver was not a payment on the account, and rather that the balance was moved to a closed XXXX number account. None of this had ever been explained to me when returning the lease, and when talking with the dealer they informed me that the balance would be settled in full. No one had ever explained that I would have a " closed account '' established for this balance and that the balance would be due immediately. I am concerned that this was a deceptive act on behalf of the dealer and Lexus Financial Services, and that they led me to believe that I had closed my account in full when in fact the balance was moved to a separate account without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with States Recovery Systems, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After reviewing my credit file I notice XXXX accounts that are the same account being reported on my credit file. Under the FCRA, it 's not illegal for birth to be reporting but under the law they both can not be reporting a balance. I have disputed this information several times and the credit bureau continues to state this information is correct. Under the FCRA sec XXXX this is an illegal practice and they should know this can not be done. XXXX both items with a balance has help destroy my credit worthiness and it 's a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Mortgage (Conventional home mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Struggling to pay mortgage

Complaint: Dear Sir/Madam : I had/have Previously Submitted a Complaint/Request for Assistance, and the Consumer Complaint Number # XXXX, against XXXX XXXX XXXX XXXX XXXX, Loan Number # XXXX. On today, I received a letter dated XXXX XXXX, 2017, from Beneficial. 

That letter at Paragraph 3, references a Lien for XXXX XXXX XXXX, that Lien was disposed/avoided of in the Federal Bankruptcy proceedings, after the XXXX  XXXX XXXX did not challenge it by the Federal Bankruptcy Judge. Beneficial was provided a copy of that Court Order by my Bankruptcy Attorney ( XXXX XXXX XXXX ), that handled my case, after Beneficial refused to acknowledge the copy of the bankruptcy proceedings that I sent them. If Beneficial has provided you with a copy of the XXXX XXXX, 2017, letter that I just received from them, please note that they have omitted that document? I have provided as an attachment a Copy of that Court Order from Judge XXXX for you to review. How is it that Beneficial forgot to provide that document to you, this in itself is the whole basis for the Complaint against them. Beneficial has willfully and knowlingly not submitted documents that prove that I am right. Additionally, XXXX XXXX has never submitted any documents, be it letter or Confirmation from XXXX XXXX XXXX that Lien is still Valid. I also contacted the XXXX XXXX of XXXX XXXX, which handled the bankruptcy proceeding on XXXX XXXX XXXX 's behalf. In view of this information and the statements made by XXXX XXXX XXXX XXXX, in that letter dated XXXX XXXX, 2017, they must provide proof of whom and when they spoke with at XXXX XXXX XXXX, time, date and Phone Number, so that Debt Lien can be acknowledged. 

XXXX XXXX XXXX XXXX, must not be allowed to Pawn this off on " XXXX  XXXX XXXX, XXXX, as they had nothing to do with the information being provided by XXXX XXXX XXXX. As you now have the Court Order that Beneficial did not provide you with, and no way of knowing who from Beneficial spoke with whom at XXXX XXXX XXXX XXXX and when, that needs to be resolved in writing by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I reported this before & never got a reply. XXXX XXXX verbally agreed to let me make payments. I made all but {$35.00}. I never got a receipt for any payments made nor was I contacted about the remaining balance. I was told it would be removed from my credit if I made payments. Instead they garnished my wages for {$35.00} plus fees. It was never removed from my report & now shows I was in collections for the full amount negatively affecting my credit. They were in breach of a verbal agreement & I would like it corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2015 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX is currently collecting a debt for XXXX different original creditors. Santander Consumer USA acquired the loan ( via assignment ) on XXXX/XXXX/XXXX ( see attached ) and XXXX XXXX acquired the loan ( via assignment ) on XXXX/XXXX/XXXX ( see attached ). The original creditor was XXXX who acquired the loan on XXXX/XXXX/XXXX when I purchased a XXXX XXXX at XXXX XXXX XXXX in XXXX, North Carolina ( see attached ). 

Neither Santander Consumer USA nor XXXX XXXX is the original creditor as claimed by XXXX XXXX ( see attached ). On XXXX/XXXX/XXXX, I asked XXXX., for full and complete verification and validation of the collection account pursuant to Section 809 of 15 U.S.C. 1692 ( g ) of the Fair Debt Collection Practices Act. On XXXX/XXXX/XXXX, XXXX claimed that Santander Consumer USA was the original creditor for which it was collecting ( see attached ). On XXXX/XXXX/XXXX, after asking for validation of the debt, XXXX., provided me documentation which did not mention Santander Consumer USA as the original creditor ( see attached ). Instead, XXXX XXXX was mentioned as the original creditor. This information is ambiguous, misleading, and false.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (KY).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: Was sued by a debt collector on behalf of Chase Bank. ( sale of portfolio is attached ) Debt is in someone else 's name - common due to the nature of chase record keeping - and also robo signing documents - I have judgement lien with XXXX different names. ( attached ) Garnished wages to the tune of XXXX dollars. Destroyed my credit report as well - Here in Kentucky the attorney general has the settlement with chase and monies paid ( it will be attached also ) My lawsuit is within the settlement time stated in the settlement with the state.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I made a compliant to Equifax about a dispute I did not open. I did make a compliant to Equifax that when you do file a dispute they pull your credit score down during the investigation XXXX points making it hard to apply for credit during the time of an investigation that can take 30 -60 days. Instead of taking in the compliant to let them know they need to change that system because it is not fair to the customer. Equifax did a dispute without my consent during a time I am looking for funding. Because of what they did I can not apply to until they update the system because it pull my score down making it to low for me to get funding. I was at XXXX before the did the dispute and now it is at XXXX. I ask them to cancel dispute on XXXX XXXX, when I notice the change in my account I have with Equifax membership they told me it would update in 24 hours that would have been on XXXX, XXXX and it was not updated or cancel. I waited until after the XXXX holiday on XXXX XXXX, hoping it would have been updated still nothing. I called and spoke to a supervisor and ask why did n't my dispute get cancel and she said it was done wrong and she will do it the right way and it will take 24 hours to update. So on the XXXX XXXX, it should be update and still no change. I call in again on the XXXX XXXX, and they told me dispute was cancel but there is no change in my report or score. It is now the XXXX XXXX, and I still do not see any update on my credit showing the dispute was cancel or the score was changed. This is complely destroying my business and my life. I can not get the funding because of it. All I ask was to stop the dispute so it can go back to XXXX instead of XXXX. And they will not do it. They keep on blaming the machine but soon as they did a dispute my score changed right away. Soon as they cancel a dispute 9 days later still no changes. This is so one sided I am so stress out from this is destroying my life. All I ask was to cancel a dispute that I did not ask Equifax to do in the first place but I am the one suffering from it. I attach proof of score change, alerts with dates attached to it proving what I am saying. Please tell them to update my report showing the dispute was cancel or I going to go out of business without funding. I feel like they are punishing me from filing a compliant against there system. 
Before dispute XXXX, After XXXX and now still XXXX XXXX still XXXX. And the alert showing when and what account that got disputed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2018 about Debt collection (I do not know) with ERC (MO).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: There is a collection that reported this is unknown, no notices etc and I DO NOT OWE this company anything. Requesting removal of this ASAP XXXXXXXX XXXX XXXX for {$710.00} false information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation