milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-01-2015 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Billing disputes

Complaint: Barclaycard contacted me in XX/XX/XXXX and asked if the charges on my account were authorized by me and I said no they were n't. They issued me a new cards and said that they would credit my account the {$210.00} that was unauthorized. I have contacted them on five separate occasions and they still have not credited back my credit card nor have they sent me any correspondence

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/17/2017 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Wells Fargo charged off my student loan in error XX/XX/XXXX. My payment compliance history was stellar. They ignored my calls about the error until XX/XX/XXXX. Wells Fargo then requested my cooperation in paying arbitrary amounts over several months necessary for their system to reinstate my account, which I accommodated. Wells Fargo charged my account off again XX/XX/XXXX and again are ignoring my request for correction. This is damaging my credit again!

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 (Other (i.e. phone, health club, etc.)) with AFNI INC. (WA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I discontinued my telephone and internet service with XXXX XXXX in XXXX of XXXX. I paid the XXXX bill of XXXX on XXXX/XXXX/XXXX. XXXX XXXX TV was bundled with XXXX XXXX phone and internet service and it took 2 months for them to stop billing me for XXXX and release me to pay them directly rather than through XXXX and they would not release me until I had a final bill from XXXX XXXX and had paid it. I paid XXXX XXXX XXXX on XXXX/XXXX/XXXX and XXXX on XXXX/XXXX/XXXX. I was told at that time that I had paid all I owed. I paid my XXXX bill for XXXX to XXXX on XXXX/XXXX/XXXX and continued to pay them from that point forward. In XXXX of XXXX I received a notice from a collection agency demanding payment of {$51.00} due to a balance due on my account with XXXX XXXX. This was 9 months after I had discontinued my service with XXXX XXXX and 7 months after I had been told by XXXX that I had paid the final bill with them. Rather than contact or bill me directly, they turned what they claimed I owed them over to a collection agency. I spent over an hour on the phone with several different people at XXXX XXXX trying to get an explanation for the charge. I was finally told that the amount came from money they paid to XXXX on my behalf. The problem is that I never missed a payment to XXXX. I had paid XXXX for XXXX and XXXX and then I paid XXXX directly starting in XXXX of XXXX. If XXXX XXXX paid money to XXXX after XXXX then they paid money that was n't owed and they need to talk to XXXX about refunding it. XXXX XXXX reported me to the credit reporting companies and my credit rating took a big drop from almost XXXX to under XXXX. I contacted the agencies and disputed the debt. They researched it and deleted it. My credit rating went back up to over XXXX. Then XXXX XXXX turned my account over to another debt collector and I got another demand for payment dated XXXX/XXXX/XXXX from the new agency. I assume they will report me to the credit agencies again and I will have to go through the whole process again. I do n't owe them any money and it is nothing short of harassment for them to be demanding payment from me. The debt they claim I owe is the result of their inability to manage their own account records.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage is owned by XXXX and serviced by PNC Mortgage. My Loan # XXXX. I have been working with PNC for XXXX years now to get a Making home affordable loan modification to save my home from forclosure with no success. I have reviewed all the information and based on guidelines should qualify. PNC has been giving me the run around. I have given them all needed documents and they close my file and make me start over. They keep blaming it on the investor guidelines buy wont allow me to speak with anyone from XXXX. I am never given clear denial reasons. Please help me save my home from forclosure. I am stressing out over this long process that leads no where. I have once again submitted another making home affordable application on XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Dear CFPB, On XXXX, I disputed inaccurate information on my Equifax Credit Report. 
The results came back within 24 hours, so Equifax DID NOT investigate my dispute. 
This is completely unacceptable, and indicatative of Equifax failure to PROPERLY investigate inaccurate Credit Reportng. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit card () with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My credit card at Santander Bank was used by someone in Florida who I do not know from XXXX/XXXX/15 to XXXX/XXXX/15 in the tune of {$11000.00} and paid {$9000.00} of that balance. I made a police report and contacted the bank immediately. But the bank keeps sending me to various branches to confirm my identity and nothing else. I have not received or heard anything from the bank up to now. At one of the branches, a representative told me to apply for a new credit card, which was strange since he seemed not to know what to do. He was confused as to why they would send me to a branch bank for a fraud case.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Co signed my sons student loan through wells fargo. I have been hit on m credit report XXXX times. My son has XXXX different loans co signed by different people. Mine was the XXXX and wells fargo assigned the same account number for XXXX. every-time my son makes a payment they arbitrarily assigned the payment where they want and often times my loan does n't get paid in full. I call wells fargo but they cant talk to me because there are other people on the loan number. I do n't get notification of anything. I made a credit report complaint but the poor marks remain on my credit. wells fargo should never have assigned the same acct. number to XXXX different loans/

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 've consolidated my student loan debt ( approx. {$200000.00} at this point ) under the Public Service Loan Forgiveness program, and have been making monthly payments for the last 6 years. I work for a nonprofit XXXX in New York ( high cost of living coupled with non-profit salary ). I should have been eligible for forgiveness in 2020. However, I just learned XXXX of my payments over the last 6 years have been disqualified because the " full monthly installment amount was not received ''. Here is how this happens : Let 's say my monthly loan payment is {$340.00}. One month I round up and pay {$350.00} ( overpaying by {$6.00} ). The following month I get a statement saying the amount owed is {$330.00} ( which is slighly less, due to the over-payment the month before ). I pay the exact amount owed, according to my statement. That payment of {$330.00} is disqualified because it is not the full loan payment amount. This happened to me 10 times in six years -- which means I will have to stay in repayment almost an extra year before I 'm eligible for forgiveness. Costing me thousands of extra dollars in repayment. 

When I called FedLoan Servicing to ask about this, I was told that it was n't their problem I " did n't read the fine print, '' and that the annual enrollment forms I sign to stay in the income-driven repayment program explicitly state that I must make the full payment each month in order to qualify. I get that. But then why am I receiving a statement telling me to pay anything other than my full payment each month? This is misleading, at best, but feels malicious. And I 'm sure there are thousands of people out there paying their loans on time every month, paying whatever is listed on their monthly statement, not realizing they are falling through a loophole in the system. Frankly, I 'm surprised there has n't been a class action lawsuit yet.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (WY).
Issue: Problem with fraud alerts or security freezes

Complaint: A t  XX/XX/XXXX , I  traveled with my friend from  XXXX  to  XXXX . My friend  is at North Dakota, I picked  him up  at North Dakota, then  we went to  XXXX . My friend told me " He use his account number to pay my bills '', then I added his account numbers to my account. Then we finished our travel plan, I told him to paid my bills for our travels ' bill, then I used his account to paid bills for travel. When I paid my bills, my friend told me he lost his card, and he want to told his banker to get new card then we report this situation for local police office. However, his banker help his to reversal several transactions from my account. The seco nd day I rece ived alert information form   XXXX   and DISCOVER, that is showed me I am fraud for those transactions. Then I saw those informations, I immediatly called bankers to told them my situations for that case. Before that, we had report to police office. But today I received E-mail from  Discover, that showed me they will close my account, give me 2 reasons. But those reasons are not mine, every time, I paid my bill on time, and whole bill not partly bill. I never get this   situation.Still now I have  XXXX  benefits for my  Discover, they did not return that to me.I think that is very unfair to me to close my account by Discover. Please, check it. I promise every words are truth.I have case number by police office.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Hello, I used to have a Santander bank checking + savings account when I first came to this country as a student in 2013. When I stopped using that account, I went in to close both the accounts and was told that instead of closing it formally, I can just withdraw the money and stop using the account, and the inactivity would make them close the account in a few months. This was in XXXX 2013. Moving on, I started receiving mailers from Santander bank at my current address for a {$220.00} bonus if I open a checking account. I went to a branch in XXXX, MA. to apply and I told the manager that I used to have an account. She could n't find any account in my name in their system and told me I am a new customer to them and opened a new account for me. I fulfilled all requirements of direct deposits for the account and contacted them multiple times for the bonus and was told that to wait longer. Finally I got in touch with the bank employee who opened my account and now works at a different branch and he told me I would not be getting that bonus as I was an existing customer for them. I was misled while opening this account and I feel I should be getting the bonus {$220.00} I was promised for being honest and upfront about everything whereas the bank was not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Capitol One double charge me interest. I paid my account balance in full, and in their own words they used the interest from the last two months to charge me new interest. I have the screen shots of the conversation to back this up. This violates the CARD Act.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Student loan (Federal student loan servicing) with Performant Financial Corporation (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Following from unsolved issue with Case number : XXXX. 
There are still multiple issues with Performant 's actions. 1 ) When I called two weeks ago seeking documentation about how my payments were allocated against the loan, I was told Performant no longer had any documentation concerning my loan. Pull the recorded tapes to validate. That is a unfair and deceptive practice. Only reason I have been provided any responses is because I engaged the CFPB. 2 ) Performant is claiming that I voluntarily enter the rehab payment plan. That is untrue. I was forced into the plan by Performant and threatened with wage garnishment. Further, when I submitted all my monthly expenses to validate I could not afford $ XXXX/month Performant said I was denied by American Student Assistance and payment was either {$800.00} or likely a higher wage garnishment. Again pull the recorded conversations. Therefore, I want evidence that my monthly expense forms were sent to XXXX XXXX XXXX and reviewed, and subsequently denied. I want a paper trail. 3 ) Based on the information provided by Performant it appears that Performant collected over {$5500.00} in collections fees. I would like to know how that is reasonable in comparison to a rehabilitation program to which I paid in {$7200.00}? That is XXXX % collection fees. There appears to be a serious conflict of interest between XXXX XXXX XXXX and Performant. Performant ensures high payments are made to collect extremely high fees, then XXXX XXXX XXXX continues to collect on a loan which virtually was paid down none in the rehab program. Look forward to your response.

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 03-08-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: In reference to XXXX XXXX # XXXX account. 

This is my FIFTH REQUEST asking you to remove the unverified account. I have disputed this account several times online and in writing with no resolution. This account still remains on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? 
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed account which means that you have NOT verified or you can not verify this account and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.

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 08-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: In XX/XX/XXXX one of my student loans went from around {$380.00} a month to {$740.00} a month. I called and said I ca n't pay this. They gave me 3 different options that I have not qualified for from XX/XX/XXXX to the most recent denial in XX/XX/XXXX. I told them I could do at most {$500.00} a month and there was no way I could pay the $ XXXX.I asked if they could work with me. I emphasized I did not want to stop making payments, I just could n't handle the amount they wanted me to pay monthly, they really do n't listen and no one even seems to know how to help me. I have been paying on these for ten years now and this is the first time I literally can not do anything about my payments. No one seems to know what to do except to send me forms. Also the emails they send you for the forms never link properly.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Our Mortgage lender Chase, called and sent us a letter stating we were behind on a mortgage payment. When we called to pay by phone to keep it current, they did not call us back to follow up but, instead put a " returned '' status online, then kept sending us letters that is was behind. We attempted to pay XXXX different times over the phone with the same bank account information that was current with our mortgage account online for as long as we have had the loan. They have been telling us on the phone for over a month that the checking account was not found. That they can not collect the money from our checking account because they ca n't find it. How are we responsible for any late fees or now default when the mortgage lender can not find the account to take the money from? We have given them the same information 3 times and even spoken with our bank to be sure the account was correct. Please see about this error on Chase 's part so we can get rid of our late fees and default statement.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX Experian and since XXXX 2016 wont remove inqiuries. Stated will take 30 days for banks and institutions to respond. 30 days went by and report has not changed. Called today XXXX XXXX, 2016 and getting same statement that I have to wait 30 days for investigation of inquiries which I have no contract or agreement of service.

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 02-03-2017 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Bank of America has prematurely, improperly, and unlawfully began and continued the foreclosure process including the foreclosure sale of my home and property. 

Bank of America 's motivation for the premature, improper, and unlawful foreclosure and sale is due, in part, to my refusal to accept the Bank of America settlement agreement with the DOJ and AG offer of XXXX XXXX, XXXX and the terms of the now foreclosed upon XXXX Deed of Trust changed requiring Bank of America to pay all property taxes and insurances on my behalf. What this means is until a settlement offer is accepted, the bank must continue to pay out on my account. It basically costs the bank several XXXX dollars a year on an account pending in the modification process where I am not required to pay monthly installments until the modification process is complete, as a matter of law. These two things, when coupled together, is why Bank of America chose to Dual Track and begin the foreclosure process before completing loss mitigation processes. 

All previously mentioned resolutions are desired and mandatory.

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 06/13/2016 about Payday loan () with CURO Intermediate Holdings (CA).
Issue: Charged fees or interest I didn't expect

Complaint: I received a payday loan from speedy cash for {$2600.00}. I started paying monthly but realized the interest was out of hand. I got the loan consolidated and payed the outside lender. I signed a cease and dissist letter so speedy cash would stop contacting me. They continued to contact me and put a collections out for me although I payed the entire loan off through the outside lender. I contacted speedy cash and they informed me that the collections would n't go on my credit report and that was false. I would like that collection taken off of my credit report. The entire loan was paid off before they started contacting me through phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: On XX/XX/XXXX, Midland Credit Management called the main line at my office, asking to speak with me, and tried to collect on the debt. I summarized the event in an email to MCM. Please review the email for a detailed account. Also, I submitted the complaint to MCM in email to XXXX and through MCM 's online complaint system. I have not received a response. However, I have not received another collections call at work.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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 was told by both XXXX and Experian Credit Bureaus that the Unites States Bankruptcy Court Verified a Discharged Bankruptcy on my Credit Report when I disputed Information contained within. I in turn wrote and asked the United States Bankruptcy Courts to please explain their Verification Procedure and I was given a Letter that they, the United States Bankruptcy Courts " Do Not Verify '' Discharged Bankruptcies with any Credit Reporting Agency, Businesses, or and Data-mining Collection Agencies.

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