milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-04-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Nelnet XXXX Servicer in XXXX Nebraska lied on my 8 year old student loan debt I closed in XX/XX/XXXX and denied my student loan to be discharged. I would like this student loan to be legally looked into by Consumer finance because the Authority and Supervisors for this Nelnet Company has been billing and charging me late fees and need to waive this because they lied and kept my documents that supported the student loan account number XXXX to be removed the Nelnet account number for me is XXXX was under review by XXXX discharge since XXXX XXXX I was no longer to be billed and they reopened a closed account since XX/XX/XXXX. I am filing this complaint to receive justice and on my credit report they lied to all three credit bureaus and put bad remarks on my credit and I have no longer been able to be financed correctly this Nelnet Student loan is not even showing I ever made one payment and their supervisors lied about the amount of payments I make after XX/XX/XXXX their was a ton of interest charged on this closed account. Their was a hurricane that destroyed my home address and I moved and closed the account a month after I could not finish the courses online the funding was enough to study for less than a few months and not even enough to live anywhere. Nelnet is not legit I have disputed this civil debt as a civils issue in XX/XX/XXXX I provided them my Award Letter in the application and their in my personal business and I do n't want nothing else to do with them in XXXX XXXX. Their legally not allowed to have my identity their is Nelnet workers who have stolen around the time my Identity was on file with their Company services even before XX/XX/XXXX. Stop charging me interest for XXXX years but the Law has let Nelnet do this to only me as the Consumer. Filing this Complaint to get justice.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Credit card () with SYNCHRONY FINANCIAL (NJ).
Issue: Billing disputes

Complaint: I have made the reservation for hotel using SYNCHRONY BANK/Sam 's Club XXXX. 
Hotel charged me amount that double the amount of reservation. I provided this information to Credit Card Customer Service, the reservation confirmation with the amount and Email from the hotel acknowledging that they made a mistake XXXX Hotel never gave me a credit for this amount ). I have received the letter from SYNCHRONY Bank with excuse that they can not enforce the Hotel to refund overcharged amount. " Each merchant determines their cancellation and/or return policy ''. I did not cancel or return anything. The amount of charge is twice the amount on reservation. 
They closed the case and said to me that Hotel has right to charge me any amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/28/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Billing statement

Complaint: I received a cc statement on XXXX XXXX. Therefore, I made the {$290.00} payment on XXXX XXXX, which was due XXXX XXXX. Fidelity charged me a {$25.00} late fee because they said I can not make a payment the same day I receive a statement. Therefore, they said, I would have to make another payment of {$280.00}. In essence, I had to make XXXX payments in the same month. They refunded me the XXXX payment, but then, they told me, I would have to resend the same payment back in. Then, in for the XXXX XXXX statement, they increased my minimum payment, even though my balance was lower.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Since Green Tree Servicing, now DiTech, purchased my mortgage loan from XXXX XXXX XXXX in XXXX, I have been struggling with getting them to investigate and stop late payment fees since XXXX. I was not delinquent when my mortgage was purchased, tried to resolve this with their customer service, which has been very frustrating with no resolution and with constant phone calls about delinquency and no ability to make payments online because of the late fees, so I had to mail payments or use Speedpay which cost {$12.00} per payment. Since XXXX XXXX, I have received numerous offers from Ditech to refinance my mortgage loan and have my late fees waived. I have no desire to refinance and I just realized that in XXXX XXXX, DiTech applied by full monthly mortgage payment to late fees, when I requested online that the full payment go to principal, interest and escrow. Now my escrow is out of balance for payments and I did not authorize my monthly mortgage payment to go to late fees, especially since, these late fees have been assessed incorrectly since XXXX based on inaccurate information at that time and Green Tree Servicing would not provide assistance to resolve. This whole situation has been unfair and working with Green Tree Servicing has been a nightmare with my efforts of contacting them to resolve and getting the run around and the calls regarding delinquency when I was n't were very unnerving. I have been patient long enough. The applying of my monthly mortgage payment to late fees without my authorization is unfair and abusive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-02-2015 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (MN).
Issue: Application, originator, mortgage broker

Complaint: I can not get a mortgage rate quote from a mortgage originator without a credit report. Each credit report counts against my credit rating. This makes it practically impossible to shop around for rates and products.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Wells Fargo, formerly Wachovia MortgageBack in 2006, a XXXX year old XXXX and his wife received orders to XXXX for the XXXX leg of a XXXX. The housing market was HOT! They consulted various big lenders, and ended up buying a house for {$140000.00}, with an XXXX/XXXX loan through Wachovia ( Now Wells Fargo ). This was an alternate to a VA loan, but still 100 % financing. The second loan ( 20 % of the purchase price ) was going to be a highter interest rate, but it was a seemingly necessary program to do to buy a home in such a hot market. Three years later, the housing market went bust. Same year, the now new parents, received XXXX. They refi'ed the XXXX house, with the big mortgage loan being now 5.875 %, and the small, 20 % mortgage being a whopping 8.62 % interest rate. Now, XXXX in XXXX, the couple rent out the home in XXXX for a loss of about {$250.00} a month. 
This couple is my husband and myself. I have called Wells Fargo for years now, begging to refi the house. Interest rates are LOW now. Their response remains the same - They will not refi it because it is not my primary residence. But it is not my primary residence ANYMORE, because the XXXX had other plans for my family. I 've asked everyone there, every year, what I can do? Who can I call? The most definitive answer I have received from them is " just to short sale the home. '' Yes, they recommended to short sale the home. We do n't want to do that. It was our American Dream to buy our first home, and we did, proudly, and used nothing but American owned companies in the process. 
I do not want the home given to us, or defaulted on by us. I want a fair chance to refinance the home on FAIR terms. 8.62 % interest rate ( the small loan ) is far from fair. This company has made ENOUGH money due to the misfortunes of others. We have never been late on a payment, or never discussed foreclosing or a short sale. Unfortunately, nothing can be done until we receive orders back to XXXX and that can be our primary residence again.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I am attempting to get my Experian annual free credit report, however every time I enter my information I get a response of : " A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, GA XXXX '' This error comes up immediately after I enter my personal information before I am asked the verification questions.

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 09-05-2016 about Mortgage (Conventional fixed mortgage) with GUARANTEED RATE INC. (NC).
Issue: Application, originator, mortgage broker

Complaint: 1, On XXXX XXXX, 2016, I was denied application for a mortgage prequalification by GuaranteedRate.com. I am on XXXX and the agent said that I had to guarantee benefits would continue for three years, ( clearly a violation of the Fair Housing Act and the Equal Credit Opportunity Act ), though I did not know this at the time. I asked why a loan would not be underwritten even though I had a XXXX benefit letter to present. He said that the three years continuation of benefits was the company policy. 

2, On XXXX XXXX, 2016, I called XXXX XXXX to inquire there about obtaining pre-qualification. The same occurred, the officer articulated the guarantee of three-years of future benefits policy almost word-for-word.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AVANTE (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: hippa violation inaccurate information no knowledge of account or not mine

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Credit reporting () with TOYOTA MOTOR CREDIT CORPORATION (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I Have been working on my credit i have an closed account from years ago

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DE).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I mailed a Multipl e Inquiry Remo val Letter to EXPERIAN on on (   X/XX/2017  )  by certified mail in order to dispute information, in regards to (  XXXX   ) in quires, that is being reported on my credit report. They received the letter on (   X/XX/2017     ) and they completed the request on (   X/XX/2017     ). The request that I submitted included Inquiries that were NOT factual and I received the same responses for ALL inquires, which was Inquires are a factual record of file access. If you believe this was unauthorized, please contact the creditor. According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it  states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a respon se ( 4 ) da ys after the receipt of my certified, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquires that does not belong to me, I did not sign anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 11/16/2015 about Mortgage (Conventional fixed mortgage) with BANCO POPULAR DE PUERTO RICO (PR).
Issue: Loan modification,collection,foreclosure

Complaint: I recently filed a complaint against Banco Popular de Puerto Rico regarding a mortgage modification ( XXXX ). I received a letter from them stating that I should call the lost mitigation department in order to discuss my alternatives. I called today, XXXX XXXX, in order to submit the evidence of my income and expenses. When the person on the phone made the evaluation of my case, she stated that since the deficit between my income and expenses was for {$700.00} the only alternative they could give me was to stop paying my mortgage for 3 months while my situation changes, and that I need to cut my expenses or make more money. Seriously, in what world are they living????? Is not like I can stop paying the electricity or the water services, or the student loans or anything. And is this ai n't bad enough, after the 3 months I should pay the three months that I have n't, at once, and continue with the monthly payments as they are. She said that the could have offer me a different option if the deficit between income and expenses was n't so big. I will like to know if this is even legal. I want to make a modification of my mortgage to be able to pay every month. They say I ca n't refinance because the property cost a lot less than when I bought it, and that I can make a modification with them because I wo n't be able to pay it. The only option they are giving me is to loose my apartment because they rather get no money instead of giving me a real option.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I cancelled my XXXX service and a technician came to my home on XXXX XXXX, 2016 to retrieve the equipment. The technician disconnected my service and took payment of the final bill of {$81.00} by credit card at my home. 

My credit card was charged for the payment at which time XXXX reinstated my service in error. I did not have equipment to operate service and was led to believe the service was cancelled. I was not told to take any further action by XXXX. 

I contacted XXXX customer service on XXXX/XXXX/16 and was told the equipment return date was not entered into the system. I should not be forced to pay for an error in the XXXX disconnect process. 

I am disputing the charges sent to CBE Group as they are for services not rendered by XXXX. 

I communicated the information to CBE Group and was told to pay the bill to in order to avoid any further inconvenience. 

I can not be forced to pay for services which were not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Debt collection (Medical debt) with Convergent Resources, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The agency has 2 separate medical collections accounts, both of which I had insurance with The Illinois Medicaid Program at the time. These should had been billed correctly.

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 09/14/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was offered a job by XXXX XXXX as a XXXX. I was given two weeks probation period. The company paid off my credit card debt with a XXXX XXXX checking account for my first order, which totaled XXXX. I bought gift cards for the company that totaled that amount, since they told me they had XXXX customers that buy their merchandise. My credit card company is Citibank. Citibank posted the payment and I went on to my next order. The company paid off my credit card again and I did the next purchasing. This went on for XXXX different orders for a total of XXXX. Payments were eventually returned to my credit card and now my credit card has a big balance. At one point it took Citibank twenty days to return the payment. Customer Service Reps tell their customers payments will take three days to post. XXXX XXXX opened up a fraudulent account and citibank took too long to return the payments. Both of these banks took advantage of me, as well as XXXX XXXX, who said he was a supervsior at XXXX XXXX. My employment papers had an XXXX number. I did a lot of research and found a XXXX XXXX XXXX number also. XXXX XXXX has an office in XXXX, but their headquarters are in 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 02-09-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint: XXXX Are these the types of policies and responses Capital One CEO XXXX XXXX confirms? 
- Why am I being forced to continually address this issues and report wrong-doings - Why do we have a system that encourages inadequate responses and deceit with rules and regulations that have zero consequences for deceit and noncompliance. 

Dog and Pony show ; an elaborately staged activity, performance, presentation, or event designed to sway or convince people from a derisive term for a small circus On XX/XX/XXXX I filed a claim of fraud charges on my Capital One credit card # XXXX Case # XXXX I itemized each transaction I requested to card closed and replacement card issued I informed Capital One that I was in XXXX XXXX XXXX XXXX, Mi. and provided the phone number for anyone to verify this fact. 
I informed Capital One I had a XXXX XXXX XXXX XXXX XXXX for 9 days causing damage to my XXXX XXXX and XXXX XXXX therefore was XXXX XXXX XXXX, I informed Capital One my Doctor said it could be weeks or months before XXXX and XXXX XXXX healed. 
On XX/XX/XXXX Capital One representative XXXX XXXX, responded but without addressing two ( 2 ) primary requests a. ) close the credit card b. ) reissue a replacement meant card as required per our contract 8. As of XX/XX/XXXX I have not received or been informed a replacement card had been sent 9. On XX/XX/XXXX I signed on to my account to check for any messages addressing the replacement card and could not find any. I also checked my email, but again no messages 10. Capital One offers live Chat therefore used the chat and the representative refused to answer my question on a replacement card and informed my i must call.I again expressed to the live chat representative I had just came home from hospital, had damage to my XXXX  and XXXX XXXX and XXXX XXXX XXXX. 
11. The representative was unapologetic again refused to address my question and deliberately disconnected us. 
12. By these actions any reasonable person would agree that Capital One is refusing to discuss this situation with me unless I call them. 
Note : there is nothing in our contract agreement stating calling is the only form of communication 13. It seems Capital One does not want to respond in writing because they do not want a written record and the only reason for this is intentions of wrong-doing by Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Debt collection (Medical) with International Computer Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: They have done several of the above including but not limited to : Continued attempts to collect debt I do not owe as debt was paid or debt is not mine. All my debts for any XXXX work were paid in full by myself and my insurance. The only XXXX I have used was over 4 years ago. This company put on my reports that I have a open account currently it opened XXXX 2016, it is a flat out lie and falsifying information or they have the wrong person. 

Disclosure verification of debt, I did not receive any letter with my right to dispute, they put it on my credit report and I had not idea of the allaged debt, I wrote them a letter and it was certified and they did not respond with enough information or what the debt is owed for or when it was allegedly late or not paid. 

False statements or representation : They are attempting to collect a wrong amount as all my XXXX bills have been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Application processing delay

Complaint: I recently applied for a Chase XXXX XXXX card. In the contract, Chase stipulated that if a certain amount of money is spent within the first 90 days after account opening, then there will be a reward. This reward is XXXX of the primary factors that convinced me to apply for this card. 

However, what Chase does n't say is that " account opening '' means " the instant you are approved for the credit card ''. The 90 days begins ticking immediately, despite the fact that they have n't even sent a copy of my contract, the credit card, and I have no way to spend money. How is my account open if I do n't have a card or a number, and I ca n't spend money? 

I would argue that Chase should clarify in its contract that " account opening '' is actually " credit card approval '' and extend the rewards deadline until the date that the credit card is received in the mail or activated.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Westlake Services, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agency and the company. My rights have been violated. I sent in several disputes to have incorrect information deleted from my credit report. Westlake financial services has been reporting incorrect information on my report. I have asked them to provide proof the proof provided was incorrect and was not what was being reported on my credit report. I have asked XXXX to do and complete a thorough 8investigation and have not received any feedback or even an update on the dispute. Yet they have added this account back to my Credit Report without my knowledge. I do believe that under the FCRA this is illegal on both the CRA and the company. So again this is my final attempt to have this problem fixed before I seek legal action to have this completed.

Company response to consumer: Closed with explanation