milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My payment has been at XXXX due to my salary range. This year my wife and I filed jointly and I submitted for my re-approval of the current plan it was on. I was denied and my payments were reconfigured ; however, when reconsidering my plan they do not take into account that my wife also has student loans. My wife and I both have federal and private student loans that cost us over {$1600.00} a month. I was told that if I was to file separately nothing would have changed. This does not seem to make sense to be punished by loan payments because I was open and honest about our current situation. The federal loan servicing should take into account my wife 's loans if they are going to count her salary. 

Additionally, I was also told that my loan payments would be back dated because I was approved for the loan forgiveness by someone in XX/XX/XXXX. I was just notified that it was incorrect. I was told that my payments should be back dated to the start of my date of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Student loan (Non-federal student loan) with ACS Education Services (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: They make it impossible to pay, are very difficult to contact and keep reporting me and ruining my credit score. 

Any amount of research on the company ACS educational services turns up nothing but disdain from customers who are constantly getting screwed over. How is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Debt collection (Medical) with California Business Bureau, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this medical account in full with the original creditor ( XXXX XXXX University XXXX XXXX XXXX ) and I was assured that the collections entry were going to be removed completely from all credit bureaus. The collection agency is refusing to remove the entry after a full payment was made to the original creditor and the collection agency is reporting the account as a paid collection instead of removing the account as I was told and agreed to. The main purpose to remove the account from my credit report is to lessen the impact on my credit score and be clear of any collections. I was assured that after making a " full payment '' the account was going to be completely removed and now that they received my money are refusing to remove the account from my credit report and instead just updated the account to reflect as a paid collection, this is a violation of our agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CONTRACT CALLERS INC (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I just discovered that a collection agency started reporting an {$82.00} collection account on my credit report that I do not owe. Prior to this account appearing on my credit report, I was never contacted by phone, mail, or otherwise ; and given an opportunity contest the charges.

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 05/18/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I accessed creditreport and once I got to Experian it did not let me retrieve 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 11-08-2017 about Debt collection (Credit card debt) with Love, Beal & Nixon, P.C. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Hello! 

An employee of Love, Beal & Nixon, P.C fraudulently charging my debit card for his insurance plus he tried to spend {$470.00} at XXXX online when my bank called and shut down my card because of abnormal activity on XX/XX/XXXX. An employee of Love, Beal & Nixon, XXXX XXXX XXXX, called me from a different number ( his cell phone ) at XXXX XXXX to tell me my card number was invalid. I then explained to him that yes it is because I had some fraudulent charges on it. He seemed sympathetic etc and I told him that I would be getting a new card and would call him with that information. I called his office the next day, because I thought it was odd that he was calling me at XXXX and asked to speak to a supervisor. The man that answered the phone said he no longer works there. XXXX called me the next day while I was on a lunch break to ask if I had received a new card. I said Im a little confused because originally you told me that Love, Beal & Nixon does not accept debit cards and if you dont accept them why would you need it? He said because it would be a backup in case I didnt pay. I then informed him that I called the office and they said he no longer worked there. He denied it and asked who said that? I told him I didnt catch his name. I told him to call me back around XXXX and I would get the card and give him the number. He never called and Im assuming he knew that I knew it was him that did the fraudulent charges. I called Love, Beal & Nixon because I never got a call back, and asked to speak to a supervisor. The lady said she could help so I told her the story. She said you need more than a supervisor and placed me on hold. I spoke with XXXX XXXX, General Manager and told him my story again. He said XXXX no longer works there and that the XXXX had done this to another lady and she was filing a police report and that they, XXXX, XXXX XXXX XXXX, were filing something also. He asked me to fax him a copy of the police report when I got it. 

Love, Beal & Nixon P.C. took me to court over an old credit card debt. The credit limit was {$300.00} or {$400.00} and now is {$2600.00} that Love Beal & Nixon bought from XXXX XXXX XXXX XXXX. I asked if they would drop the interest off and I was told that he would fight it and so I agreed to pay {$50.00} a month. I would think that Love, Beal & Nixon would have some type of responsibility for their employees. I have written an email to XXXX XXXX on XX/XX/XXXX and as of today XX/XX/XXXX I never received a response to that email. I did receive a letter dated XX/XX/XXXX saying they have n't received my payment. I do not think that I should owe anything on this debt after an employee of their company wrongfully used my debit card. That person would have never had my debit card number if he was not a collector on an account of Love, Beal & Nixon. They have some liability for this/his action.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I went to the FTC to inquire instructions for instructing each of the big three to establish credit freezes for my wife and myself following the Equifax breach. I called each of the three numbers given on the FTC web page instructions : Equifax XXXX Through voice instructions was able to enter and confirm by SS # and ZIP code and then was told they could n't freeze my account. 
XXXX : XXXX requested a security free and through voice instructions was able to confirm SS #, DOB, Zip and first 3 numbers of my home address - they informed me they could not place a freeze on my credit file - I had to submit a written request. 
XXXX : XXXX requested a security freeze, supplied SS #, DOB, Zip Code then was sent to a buzy tone and disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Consumer Loan (Installment loan) with TMX Finance LLC (GA).
Issue: Problems when you are unable to pay

Complaint: A year ago XXXX XXXX to be exact I did a loan with titlemax, I borrowed {$5000.00}. I have been paying like clockwork the minimum of XXXX a month and some months a little more. My principal has not moved. I currently owe XXXX a year later, I found out when I went in to make my payment because I had been doing them over the phone that the XXXX had only been interest. I truly could n't believe this because this was not explained to me at the time of the loan. I 'm on a set income XXXX to be exact I have XXXX kids and medical expenses. This really broke me down to know that I 've XXXX near payed almost XXXX dollars and still owe XXXX. I feel I was tricked, I was told all I needed was title and spent a good portion of the day getting the title changed in order to do the loan,

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MN).
Issue: Payoff process

Complaint: I 'm a XXXX vounterable adult and I have a issues with only having a XXXX grade education I collect XXXX since I was XXXX I 'm XXXX now I am being sent to court cous I choose to eat meals an sleep in a warm place It 's spring out now I can live outside an I do n't have do much to pay other than mm u debit my only suggestion

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This is on my credit report. I do not know what it is for exactly. I need to be provided with documentation to prove the debt as per The Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX midland credit has called me 4 times today. once at around XXXX, then at XXXX, XXXX and again at XXXX. At XXXX I told her I 'm not a secretary and goodbye. at XXXX they called again, no one answered. At XXXX, I informed them they were using a house phone. XXXX does not use house phone for anything, they had wrong number. I called them back and informed them they were harassing me. they said they were going to put on do not call list. they said that last week also and previous weeks. Also they asked me who I was and there were XXXX names at this number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I disputed a collection account through XXXX XXXX in XXXX that I found on my credit report that was not mine. The original creditor was XXXX XXXX XXXX account name was XXXX XXXX XXXX in the amount of {$660.00}. The investigation was completed on XXXX XXXX stating that XXXX and Equifax had removed the collection account from my credit file. I look at my credit report today and it is back on with a different creditor name XXXX XXXX XXXX with account name of XXXX XXXX XXXX. I contacted this company and they said it was sold to them on XXXX XXXX after it had already been removed from my collection report with the other investigation. I told them I do n't know anything about this account and that it was already disputed and removed from my credit report and they told me the debt was valid. It is also now back on the Equifax report under XXXX XXXX XXXX for the same account showing opened XXXX XXXX. I was also never notified by either XXXX or Equifax that this was on my report again nor from any creditor the only way I saw this was due to me going back on XXXX XXXX and seeing it today, XXXX XXXX, 2016. It was not on my credit report from XXXX through XXXX as it was removed. It is also now showing up as XXXX different creditor names.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XX/XX/XXXX I consolidated my XXXX loans because I applied for the PSLF ( Public Student Loan Forgiveness Program ). I worked at XXXX from XXXX-XXXX which is a XXXX XXXX public service company. I qualified for this program so my consolidated loans were transferred to XXXX XXXX XXXX. Under this repayment plan you have to make 120 qualifying payments on a RPAYE Plan and never late. After 120 payments your loan balance is forgiven. I had 20 qualifying payments while being employed at XXXX ( as stated in a letter I received from XXXX XXXX XXXX on XX/XX/XXXX ). Last Friday, XX/XX/XXXX I received a letter in the mail 2.5 years after qualifying for the PSLF Program, that this employer did not qualify for the PSLF program. XXXX XXXX XXXX took away my 20 qualifying payments and it is currently at XXXX. They are stating this is because their compliance department determined that XXXX is not a qualifying company. The is 100 % FALSE and they refuse to work with me to resubmit an investigation. I have documentation to support that XXXX is a XXXX XXXX XXXX public service XXXX company and does in fact qualify for the PSLF Program. You can clearly find on their corporate website XXXX that this is a public service company!

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (NY).
Issue: Taking out the loan or lease

Complaint: My father had a car lease through Ally bank. 
He expired on XXXX/XXXX/15 - approximately 20 months prior to the end of his lease. 
He paid his XXXX lease payment. 
I am his son and co-executor of his will. 
I contacted Ally bank in the days after his death and was instructed to FAX his death certificate and proof of executorship, which I did. 
After confirming receipt of these documents Ally stated that further payments would not be automatically withdrawn from my father 's accounts. 
I returned the car to the dealership, returned the plates to the DMV, and contacted the auto insurance company. 
I have since received notice that I owe {$8800.00} to Ally. They have explained this as the difference between their estimated value of the car and what they received for it at auction. 
I do not have a copy of the lease contact. 
I was not informed by Ally when I initially contacted them that I would be responsible for this sum. I was not informed that I may want to keep the vehicle, pay the lease payments ( which would have totaled about {$10000.00} over the remaining 20 months of the lease ). 
If I was aware of this I would have kept the car, made the lease payments and driven it through the lease period. 
Now the bank gets just about the entire term of the lease paid to them but was able to repossess and then sell the vehicle at a much higher residual value than it would have had had it been returned to them at the end of the original lease period. I could have spent just a little more money over the next 20 months and had the car. Instead the bank has the car and I have to spend almost the same amount of money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: Even though Wells Fargo Dealer Services received the payment for our car loan on XX/XX/2016, they sent the attached collection letter implying that we were in default on our loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed XXXX public records/judgements on my credit report from Equifax on XXXX/XXXX/XX/XX/2015. They completed their investigation and updated these public records to " satisfied '' and told me if I had any further questions to contact XXXX XXXX Court. I have contacted XXXX XXXX Court and have NO such recorded judgements. The court also told me they do not report to Equifax. In my dispute I requested that Equifax please send me the method by which they verified these public records ; they never provided me with any such information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit card () with Synovus Bank (MA).
Issue: Closing/Cancelling account

Complaint: The secured credit account was closed by the issuer in XXXX XXXX. At the time the card had a XXXX balance and had not been used for over 60 days. I received my full security deposit. I checked my credit report in XXXX XXXX and it showed the account as closed in good standing with XXXX balance. I checked my report in XXXX XXXX and it showed the same good standing entry, but also showed a XXXX entry from same company first progress showing my account in a negative standing with past due balance. I want this negative entry removed from my credit as I 'm not liable for this fraudulent entry

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Debt collection (Medical) with Radius Global Solutions LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I get a medical bills on my credit report who was send to collection without my knowledge. Now I received some treated calls all the time with some harassment and legal action going to be take about me. I want all this stress to stop immediately. They even calls my cellphone during working hours.

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 10/31/2015 about Payday loan () with Green Trust Cash, LLC (GA).
Issue: Charged fees or interest I didn't expect

Complaint: i borrowed $ XXXX.which i was thankful forbut wasnt expect the ernomeous feesannual percentage is 668.17 % finance charge is $ XXXX-amount financed is $ XXXXtotal payments is $ XXXXwhich each pay period i 'm only paying $ XXXXto amount financedif i keep going like this i will be put out of my house/ and lose mycar due to the fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit card () with SYNCHRONY FINANCIAL (WA).
Issue: Closing/Cancelling account

Complaint: I have a credit card through synchrony bank for XXXX as well as for walmart and amazon. I fell behind on my payments and missed a payment XX/XX/XXXX for XXXX. Since XX/XX/XXXX I have made XXXX to XXXX payments every month but XX/XX/XXXX. I new I was behind so I logged in and set up auto payment for XXXX payments ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ) to at least pay something until I got my refund XX/XX/XXXX and could pay account off. I have been getting up to XXXX calls a day from them between the XXXX accounts all while I am at work. My job is upset my phone keeps going off I am a Therapist and I can not take calls while in session all day every day. According to the FTC they have harassed me by calling up to 50 times a day, I emailed them ( which I have ) stating I can not take calls do not call me and they continued to do so anyway. I logged into my account and set up these payments within a day or two I got notice that immediately after they closed my account. When I called to ask them about this today I was told that making a payment every month expect one and setting up a payment arrangement was n't good enough. So now, my credit report reflects a bad debt despite me 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 explanation
Consumer complaint received 01/22/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Closed on home loan with Wells Fargo XXXX XXXX. Received notice from them late XXXX XXXX stating we owed XXXX in back escrow, and our payment was increasing XXXX/month if we can not pay the back tax and it posts before the XXXX XXXX payment. We asked about the calculation at closing ; the Wells representative was there, and said the payment amount was n't exact, but it was close, within {$100.00}. XXXX or so, so we signed the documents and closed, expecting a modest increase. 
Now we are forced to pay the above amount or have the loan amount increase considerably.

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 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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 traded in my lease for a  XXXX   XXXX  at  XXXX   XXXX  in  XXXX   XXXX . I only had 2 months left on the loan.  XXXX   XXXX  was to pay off the vehicle and sent the info to  XXXX   XXXX . In  XXXX / XXXX / XXXX  I declared  Chapter   XXXX  Bankruptcy. The vehicle was included because the paperwork to close out the lease had been lost, therefore, my attorney told us to include the car which was a lease. I have been disputing this since the discharge of my bankruptcy in  XXXX  and  XXXX   XXXX  continues to report erroneously the status of the account on all  XXXX  Credit Bureaus. They have passed the 45 day time frame & at this point I want the item removed since they refuse to correct. They are showing the last day of status as  XXXX  which in violation of Chapter  XXXX  which should not show any negative items on the credit report past the date of filing  XXXX . Furthermore the vehicle was paid every month and traded in on time.  XXXX   XXXX  is intentionally attempting to damage my creditworthiness.

Company response to consumer: Closed with explanation