milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I graduated in   XXXX   and promptly consolidated all of my student debt into an income-based repayment plan. My original consolidation loan with the Dept. of Education was sold to Great Lakes. For the past six years, Great Lake has refused to recognize that I have a consolidation loan. They say that " We have put you into a standard repayment plan. '' and then want me to sign up for a NEW consolidation loan. If I do that, the terms of my existing loan will be negated, which I do not want to give up. Great Lakes says they do n't have a copy of my original promissory note, which I do have a copy of and have sent them. They STILL refuse to accept my existing consolidation loan. My original student debt was {$60000.00}. In 7 years they have added so many penalties and interest that today (  XXXX   XXXX  ) I owe more than {$80000.00}. I will never be able to pay this off. They list my loans as defaulted, which mean I will never be able to buy a house, get a credit card, or improve my credit rating. This has RUINED me financially. I have attempted many times to talk to Great Lakes and sent them copies of my promissory note, but they refuse to abide by the terms of my consolidation contract. I tried the federal student loan ombudsman, but that was as a complete waste of time. I have lost any hope of ever repaying this or getting help to resolve the dispute. Great Lakes simply refuses to acknowledge that I have a LEGAL, BINDING, EXISTING consolidation loan and only wants me to sign up for a new, higher-interest loan with them. I 've given up and just accept the fact that I am financially ruined for life .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 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: Old information reappears or never goes away

Complaint: My card was closed by the company. I ended up paying off my card in order to delete from my credit report. Not only are the late payments still showing but the account overall was n't deleted. It 's making it difficult for me to obtain large purchases due to this. I need this to be removed as I was doing a pay to delete when I spoke to a rep.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have sent   XXXX   and Transunion letters and online disputed inquires as of  XXXX  present. I have gone back on some of the files and show different information as far as amounts and dates. I was never notified of any of the instances and to my knowledge a lot of the accounts were closed with  XXXX  balance. The information is unauthorized, incorrect and needs to be removed from my credit report. I was never notified that my information would be sold to a  XXXX  party and multiply  XXXX  parties at that. there are accounts that have been closed for years with  XXXX  balance still showing.

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 12/29/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: On XXXX/XXXX/2016 I opened a checking account with Citibank NA, account number XXXX for {$15000.00}. This account had {$400.00} bonus promotional offer which should have been deposited into my account within 90 days of opening the account which would have been on or about XXXX XXXX 2016. I opened a dispute with the bank as directed by the Citibank customer Service Representative, Case number, XXXX. Based on the attached letter they confirmed I met the promotional requirements. They are now claiming it could take up to an additional 90 days to get the matter resolved. In my opinion, I met all the requirements and the funds should be deposited as of XXXX XXXX 2016 and should not have to wait an additional 90 days. Further my funds should not be held hostage until resolved. Also FYI, I did file a complaint with the Federal Reserve Consumer Help and they informed me it was forwarded to you as last name XXXX not XXXX. Please fix on your end as appropriate.

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 03/15/2016 about Credit reporting () with Experian Information Solutions Inc. (NH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have sent XXXX disputes over the last three months with no repsonse. You say there verified under FCRA 611 15 U.S.C 1681 how are you verifying that information. By law you have to investigate every dispute you get. You have failed to do that. You need to show proof of the information in your records.

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 11/30/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We have made numerous attempts to request assistance from NationStar since XX/XX/2012 due to XXXX XXXX being laid off from his job XX/XX/2012.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
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: On  XXXX   XXXX ,   XXXX   I sent a letter disputing multiple accounts to Transunion and asking for written verification of account. They responded sending me a letter stating verified without sending me any written proof. I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating verified and to contact the reporting agencies to dispute myself. They have failed to respond to two requests now to research and delete inaccurate accounts on my credit report. These accounts do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in one day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the disputes were verified and when I asked about what verification they received, the rep said they do not have to provide consumers any verification.

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 11/22/2016 about Debt collection (Medical) with Sa-Vit Enterprises, Inc. (NJ).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: At XXXX eastern time on XXXX/XXXX/16 I had a missed call from a XXXX. I returned this call at XXXX ( call lasted for a total of 2 minutes ). My call was answered by a clerk who answered the phone with " XXXX ''. Than she than confirmed my name and mentioned that she would connect me with the person who called me. Upon transferring my call the person who originally tried to call me, he asked me if I was ( NAME DELETED ) and wanted me to verify my address. I asked who was calling and after the 4th time of me asking he replied with " XXXX ''. I said XXXX why are you calling me and he said for " Personal Business '' and I asked several times about what " Personal Business '' and he tried to get me to verify my address again without answering my question. I asked who he was calling on behalf of and he said " XXXX ''. I than declined to answer his question about my address since he would not inform me the nature of his call after I made several attempts to and than I hung up. I looked up the phone number that called me and it was listed as a " XXXX ''. 
He never informed me that he was calling on behalf of a collection agency nor did he inform me that any information verified can be used against me for debt collection purposes- I believe this would be referred to as mini-miranda rights. I have never heard from this company before and I wish to make this a complaint against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: There is an address on my credit report that I never lived at. Can someone please help me get it removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with JPMORGAN CHASE & CO. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX XXXX I modified my mortgage. Written into the modification was a buyers incentive. " If your make your monthly mortgage payments on time, you will accrue a monthly benefit equal to {$83.00}. This amount will be applied yearly at the anniversary of your trial period plan, for 5 years. If at anytime during this 5 year period the loan becomes XXXX or more full monthly payments past due, you will lose this benefit. This includes the loss of any accrued but unapplied principal reduction benefits and the eligibility to accrue additional principal benefits, even if you bring your mortgage up to date later on. '' My anniversary for this modification was XXXX XXXX. 

In XXXX 2015 I missed a payment because my mother passed away and I had arrangements that needed to be made. My payments were made every month there after. 
On my XXXX statement due XXXX I owed XXXX and had XXXX past due with a XXXX late fee. XXXX was paid on XXXX. On my XXXX statement due XXXX it was the same thing, XXXX due and XXXX past due with an XXXX late fee and XXXX was paid on XXXX. In XXXX I received XXXX statements from Chase. The first was dated XXXX due XXXX which I owed {$1000.00} with {$2000.00} past due. XXXX which I assume was because the XXXX payment was late ). On XXXX I received a revised statement stating that {$1000.00} was due on XXXX and XXXX was past due, so the XXXX payment was credited and I was again XXXX payment behind. My XXXX payment was made on XXXX for XXXX but was not processed until XXXX. That payment was returned NSF due to a XXXX reconciliation error. Still at this point I should have been behind only XXXX payments and my XXXX payment was due. XXXX XXXX was the maturity date on my modification and the {$660.00} that I had occrued should have been payable by Chase as I was less than XXXX payments late because I had paid extra on many payments to catch up with the XXXX and make a full payment.. Chase sold the mortgage to XXXX who claims that I have XXXX in suspense. Chase will not credit me my the {$660.00}. Another payment was made to Chase in XXXX XXXX it was late but made XXXX for {$1100.00} and my XXXX and the returned payment have been sent XXXX. And all that should be due is the original late payment and my current payment. 

I tried to discuss this on the phone with Chase yesterday and they were just rude and unwilling to listen. Could you please help me? I have been counting on that {$660.00} with the balance I have in suspense to make up the missed payment. Plus I am unsure what the {$260.00} charge is from XXXX and I can not get a response from them either other than charges to transfer my loan which I do n't understand why I am paying for Chase to sell my loan. 

Sincerely, XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX 
XXXX, AL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Money transfer, virtual currency, or money service (International money transfer) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Money was not available when promised

Complaint: E transfer at Regions XXXX XX/XX/XXXX Regions Bank Department of Electronic Transfers I am requesting your help to start an investigation for an abnormal electronic  transaction was done by the Regions Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX, and also I am asking to get reimbursed the money I lost with it. 
In XX/XX/XXXX I asked to get an electronic transfer for the amount of US {$4200.00} Dollars from my checking account XXXX at Regions Bank into a personal account in XXXX, XXXX XXXX, XXXX ; swift code XXXX ; Beneficiarys Account # XXXX ; Wire Sequence # XXXX ; XXXX XXXX. 
The money was taken out same day from my account, but held with not reason until XX/XX/XXXX. I was told that it was caused by the intermediary bank XXXX used by Regions Bank . I am pleased for the promptly response and commitment from the branch manager to resolve that situation as soon as it was communicated. However, It was not resolve immediately, but 18 days later. 
With that money, I was committed to get done a payment on time-of health insurance for my wife, my son, and myself. But, because the delay of the transfer I had to pay a late fee and interests for the amount of {$50.00} Dollars. 
Besides that, the exchange rate was paid at lower rate than the current value of the Dollar in the market at that time. It was done for the amount of {$2800.00} pesos per each Dollar, which is lower XXXX pesos per Dollar. It means that I lost additional {$170.00} Dollars with this electronic transfer because the exchange rate. 
Total lost amount is {$220.00} Dollars between late fees and lower exchange rate. 
I had done previous transactions with no problems, but this was unacceptable one. 
Please, let me know the result of your investigation. 
Thank You, XXXX XXXX Phone XXXX

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 01/25/2018 about Debt collection (Medical debt) with Community Health Investment Company, LLC. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I was hospitalized in XX/XX/XXXX. The attached form discloses the claim dated XX/XX/XXXXfor a disagnostic image ( MRT ) that was done prior to me being admitted to the hospital. Initially, my insurance company informed me I was responsible for the entire bill of {$8100.00}. I am insured under my mother 's ( XXXX XXXX ) health insurance. She wrote a letter of appeal ( see attached ) regarding this outstanding bill. On XX/XX/XXXX, we received a letter from the insurance company ( see attached ) that approved our appeal and a copy was sent to the original creditor ( XXXX XXXX XXXX XXXX XXXX ). During this entire time, we never received a bill from XXXX XXXX XXXX XXXX XXXX before or during the appeal process. On XX/XX/XXXX, we received a bill ( see attached ) from XXXX XXXX XXXX XXXX. We immeditately called the original creditor to make arrangements directly regarding the revised amount I owed, {$770.00}. We came to an arrangement and made our first payment XX/XX/XXXX ( see attached bank statement ). We received a call from XXXX XXXX XXXX on XX/XX/XXXX. We 're filing based on the following 4 things : 1 ) Dual Tracking abuse from XXXX XXXX XXXX sending this debt to a collection agency and negotiating simultaneously ( 2 ) Professional Account Services attempting to collect on a debt prior to the 30-day validation period ( 3 ) Never received a bill from orginal creditor prior to receiving letter from collection agency ( 4 ) Collection agency collecting on a debt when original creditor agreed to payment arrangement and received first payment. We expressed to the collection agency during the XX/XX/XXXX call that we ( see attached letter ) prefer to deal directly with the original creditor since we made the arrangment directly with them. They refused and implied that I was refusing to cooperate and pay this debt. I told them that is not true as evidenced by the arrangement that was made and she acknowleged payment was made ( 10 % of the balance for the next 10 months ). Further, I believe the original creditor prematurely submitted this debt to the collection agency given the time frame of the appeal process and the new rules that medical organizations must adhere to when placing a medical debt to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MI).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: XXXX XXXX which is the bank behind XXXX XXXX Credit Card as well as Paypal. 
My understanding is that any interest rate above 24.00 % is considered " userous ''  and therefore illegal. During this past month and within the previous 2 months out of a payment of {$79.00} they took {$50.00} in interest Before that I had a oayment that was higher and they took like {$79.00} in interest just after I had verified that I had money to the good on my account. I ended up in a conference call with XXXX, XXXX XXXX and myself to prove to them that I had NOT selected any promotion on the card. In fact there was n't even a selection for it on XXXX 's website. When I asked about the interest rate on the card the first time they told me 25.00 percent ... this month it was 26.99 percent. 
They do n't get to turn a credit card into a legalized " slush fund '' which appears what is happening here. Please look into this as well as forward this information on to the SEC, Better Business Bureau and IRS. I believe they are using illegal banking practices here or Mob type tactics and need to be not only investigated but held accountable as well. I believe what is going on here is that they automatically put everyone who makes a purchase on a 6 month financing or other promotion even though they do not select it as I NEVER had or have. When they said I had they outright blatently lied about it. That is how we ended up on a conference call to prove it.

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 12-12-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other

Complaint: On XXXX XXXX 2016 I called Capital Once Banking customer service to receive information about getting a payment I make expedited. Before even doing so I informed the representative of this being for emergency reasons. He told me of my options and that if I pay the full last statement balance of {$140.00} I would be able to call in the following day to them and they can verify with my bank that I have sufficient funds, in which I had more than substantial to cover the payment. I did this the following morning, XXXX XXXX, 2016, approximately XXXX, entered my personal information, and the new representative verified I have more than substantial funds. He then proceeded, put me on hold, and came back to inform me that they in fact could no expedite " my '' funds, despite the verification. I had met the needed requirement, but they had not only misinformed me, but demonstrated a motive I am unaware of. As I paid a large amount of my credit card, that I did not have to, I could have paid my regular $ XXXX monthly payment. I find this unfair practice to perhaps have an ulterior motive that should be investigated. I am not only significantly affected by this, but have taken financial action I did not need to, as I could have saved myself roughly {$120.00}. Upon expressing my frustration and what I believe is wrong about this matter I was told their is nothing that can be done and was transferred to, I believe, a Senior manager. She informed me the same thing and upon seeing what she could do and further wasting time, told me their is nothing that can be done, however, she said she can credit my card only {$50.00}, which does still not resolve this issue. Despite her efforts to assist, I was informed by this same representative that funds can not be expedited, in the first place, on secured cards. Now I am unsure how the previous XXXX representatives were not aware of this as they should be subject to know the rules and policies of the company they represent. As such mislead and misinformed activity can be avoided. However, I find this as a motive on their end, in which I have paid of more on my credit card than I was subject to. I will be closing this card with them as soon as possible. And I ask that this be investigated and resolved in light of the significant affect is has on me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: I need to lift my credit freeze with XXXX, Transunion, and XXXX, but I do not have a pin number, I was never sent one. I also can not get through to these three agencies and speak to a live human being about this. Please help me. 

XXXX XXXX XXXX. 

XXXX XXXX

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 10-12-2015 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Customer service / Customer relations

Complaint: I went to make a purchase at a local merchant, and he said the minimum purchase amount was {$15.00}. This seemed unnecessarily high. I was under the impression that, under Dodd-Frank, such minimums could n't exceed {$10.00}. When I called XXXX to complain, they indicated that the merchant was free to set whatever minimum they wanted. Could you clarify what the law says? Does it depend on what state I 'm in?

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This is regarding a complaint that I filed on XXXX/XXXX/2016 regarding my loan servicer PHH Mortgage. I have spoken with them on numerous occasions and have stated that I am still being sent bills for double the amount that I owe on my mortgage. I have not received any response from CFPB and following up to see when I might expect an email. I have never been late on a mortgage payment in my life and PHH has been paid up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (NH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I contacted CA on several occasions via certified returned receipt to validate the debt. The CA ignored my requests to verify but continue to report to CRA.

Company response to consumer: Closed with explanation