milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TN).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: In 2005 I wanted to attend a XXXX in XXXX, IL. The only way to do so was to take out student loans with XXXX XXXX. I know I was not educated about student loans at the time, but Financial Aid failed me, my parents could n't afford to send me to college, student loans were my only option. I want to say XXXX XXXX was the only company that would give me a loan. 

For two years of college and a XXXX semester my loan total w/accrued interest was roughly a little over {$63000.00}. XXXX XXXX would pay whatever it cost the semester then would mail me a check for the remainder of the amount. I took out XXXX {$20000.00} loans and XXXX {$10000.00} loan, and each time I got money back. I think student loan carriers should n't be able to do that. I received close to {$7000.00} at XXXX time back for a semester. I used that money to live off of because I was a student and needed the money. Looking back, the money that 's only needed for college should be directed to that and whatever money is left over goes back to the loan. Students should not be seeing that money. I wish I had done things differently, but to be honest no one prepares you for the cost of college and how to deal with it once you graduate. High school and college do not prepare you for life. You 'd think with guidance counselors and advisors they 'd help you, but they do n't go in detail about these decisions except " go to college and get an internship or a job. '' All our lives we hear it 's the American Dream to go to college. I do n't regret my decision, I do n't work in the field I received my degree. I pay on my student loan each month. This experience makes me weary of loans. I do n't believe we have to go into debt for these things. I ca n't blame anyone but myself. But going forward if there 's any money left over from a student loan you take out, it needs to be credited back to the loan company. America would n't have a student loan crisis if this was done correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I had my ATM card and while I was on vacation in XXXX XXXX some used my card and made several ATM withdrawals and make a lot of purchases in the USA while i was still vacationing in XXXX.
The fraud took place from XX/XX/XXXX thoughXX/XX/XXXX.
ATM withdrawal {$160.00} date XX/XX/XXXX ATM withdrawal {$330.00} date XX/XX/XXXXATM withdrawal XXXX date XX/XX/XXXX ATM withdrawal XXXX dateXX/XX/XXXX ATM withdrawal {$330.00} date XX/XX/XXXXATM withdrawal {$330.00} dateXX/XX/XXXX ATM withdrawal {$400.00} date XX/XX/XXXX Purchase XXXX {$44.00} date XX/XX/XXXX Purchase XXXX XXXX XXXX {$120.00} dateXX/XX/XXXXPurchase-XXXX XXXX XXXX XXXX XXXX {$290.00} store # XXXX dateXX/XX/XXXX Purchase XXXX XXXX XXXX {$300.00} date XX/XX/XXXX Purchase XXXX XXXX XXXX {$720.00} date XX/XX/XXXX Purchase XXXX {$820.00} XXXX XXXX date XX/XX/XXXX Purchase XXXX XXXX {$850.00} store # XXXX XXXX XXXX date XX/XX/XXXXPurchase XXXX {$1000.00} XXXX XXXX XXXX XXXX dateXX/XX/XXXXPurchase XXXX XXXX {$11.00} date XX/XX/XXXX Purchase XXXX XXXX  {$26.00} dateXX/XX/XXXX Purchase XXXX XXXX {$44.00} store # XXXX XXXX XXXX XX/XX/XXXX Purchase XXXX XXXX {$94.00} date XX/XX/XXXXPurchase {$880.00} XXXX XXXX XXXX XXXX date XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/15/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OH).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Chase Bank without any warning or giving reason close d 5 of my acc ounts.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Other

Complaint: I had fraudulent charges on my credit card in 2013 and could n't resolve the issue with Capital One. Capital One sent the invalid amount to debt collections and had XXXX XXXX XXXX XXXX. file a lawsuit against me, after I had disputed the debt and had not received any communication back regarding the dispute. They had XXXX XXXX XXXX XXXX. file suit in the wrong Justice of the Peace Precinct for me. I was never informed anything, never served for the lawsuit and only found out about it via a advertisement from a local attorney who was advertising to defend me in the lawsuit. I hired attorney XXXX XXXX to handle the case for me and had the case moved to the correct Justice of the Peace venue for me and had the case dismissed with predjudice. After which Capital One continued/continues to report this negative information on my credit violating the FCRA, and had XXXX XXXX XXXX XXXX. file another lawsuit in yet again another incorrect Justice of the Peace for me, which I found out again by another advertisement from an attorney offering to defend me. I then engaged XXXX XXXX to file suit against XXXX XXXX XXXX and Capital One for multiple and wilful violations of my consumer and civil rights. XXXX XXXX got the 2nd suit agaist me dismissed, but after which I lost all contact with him and he never proceeded with my case agaisnt Capital One and XXXX XXXX XXXX. I left the matter alone as I thought it was all resolved and the derogatory claims on my credit had been removed. But i 've recently tried to get credit and found that this is still be reporting in violation of the FCRA on my credit by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (TN).
Issue: Struggling to pay mortgage

Complaint: In XXXX, during the housing crisis, we had to sell our property because of the losses we were incurring. We tired to sell it but could not. We received the foreclosure notice XXXX, XXXX and the foreclosure date was XXXX XXXX, XXXX. We were sure it was foreclose because we received tax documents from the mortgage holder telling us what price it foreclosed for and how much we taxes we owed for the difference between the sale price and the amount owed. We paid those taxes in out XXXX tax return. Now they are say we still owe on the loan. We need this resolved as soon as possible. The loan was sold to Ocwen and they are coming after us for the loan again.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: As a a XXXX XXXX working for the XXXX XXXX as a XXXX XXXX, I applied for the student loan forgiveness. Loans were transferred from XXXX XXXX and XXXX to Fed loan servicing, payment decreased from {$420.00} approximately to {$300.00} per month. I was informed I was put in the wrong payment plan and only XXXX payments count towards the XXXX required payments, got an email in XXXX of XXXX that I had to switch payment plans for the payment to count. So used the calculation tool provided, decided standard repayment plan was best option, now payment is only for 27 months and payment will be over triple {$900.00} plus per month. I asked today XXXX, that The request be cancelled as it bust the family budget. I got the response that I was on a grandfathered plan and does n't exist, so stuck with the new payment even though it has not been activated yet. What a complete cluster!

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Shellpoint Partners, LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I took out a mortgage loan. The monthly payment was advertised to be a low payment. However, within the first year of the loan, the monthly payments kept increasing until I was not able to afford the payment anymore. The bank has changed several times. The loan has been transferred to several entities as you can see it on the summons and complaint and bank correspondence. I tried to do a loan modification but the bank, previous bank, claimed that my application was incomplete when I sent all the documentation required under the XXXX guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (Credit card) with AMERICAN EXPRESS COMPANY (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: American Express continues to call me at work ( due to late payment ) 3-5 times a day. I informed them the first time they called that I can not receive these phone calls at work and provided them with my cell phone number. As of this afternoon, the calls continue to come in. My employer is not happy and I have already been verbally reprimanded for these calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/24/2017 about Debt collection (Other debt) with ERC (DC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Due to the fact that I a not a U.S citizen, I did not understand that when resolving issues, like these i had to go to all credit agencies, and because of this lack of knowledge I only contacted XXXX to have the problem resolved. XXXX XXXX XXXX recently bought an outstanding {$1000.00} XXXX debt in my name dated XX/XX/XXXX. However I had contacted XXXX about this issue ; listed under 'XXXX XXXX XXXX ( ERC ), and had it removed from their records back in XX/XX/XXXX ( XX/XX/XXXX ) when i showed proof that the social security they had on file that was connected to the debt was n't my social security. Then issue still exists under my XXXX and my XXXX files and I 'd like it removed from these scores also.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: In Early XXXX my daughter notice charges to her checking account that she had not authorized. I am also on the her account. I am her mother. We went into the bank and they sat down with us and had us highlight all the charges we felt were not ours. This was the checking account and someone had been taking money out of her account out of New York. We have never been to New York. XXXX said we had to give the person permission to use the card, although my daughter had her card, but he was also using a card in New York, which is very baffling. Then the next day we realized they had also done a cash advance of XXXX from her credit card. The bank said they invested and there were charges months back from the same individual and said we never reported it so we had to have given permission for this. We were not aware of any charges previously and told them if there were charges we did not authorize them either. After much back and forth they said we needed to file a police report, which we did. They have footage of the person which we do not know at the atm in New York withdrawing money. They still are saying there is nothing they can do. There were also XXXX from our checking account taken. I am so frustrated with this. I have been with them since about 2012. Our accounts are not overdrawn and things of the nature. This just does not make sense to not be reimbursed for the money that was taken from our account and credit card. A total of about XXXX. Please help.

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 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I applied for an apartment and through background check ( XXXX/XXXX/XXXX ) I was notify their was an eviction on my record XXXX Bank of Amercia, foreclosure property, XXXX XXXX XXXX Ga XXXX. I did live at this residence as a guest, briefly ( I never had any ; lease, mortgage, or any type of financial obligation to this property ). 
I moved in XXXX ( purchase home XXXX XXXX XXXX XXXX ga XXXX ). I reside in my home from XXXX until I sold it in XXXX. I was not living at this property ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ) when this eviction notice was serve and should not been listed as resident, I had long moved. And I do n't /did n't have any type of mortgage with them. I tried to this with BOA, no help. Also with XXXX XXXX they informed they just serve papers, they do n't verify we 're the names are correct. So I need help getting this wrong eviction off my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Clarity Services (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received an email alert from XXXX that I had two ( 2 ) recent credit inquiries that I did not authorize. Both were considered soft inquires, but it is still unknown if account was opened in my name without my permission. The first occurred on XXXX/XXXX/17 by XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in Tennessee and the second one occurred on XXXX/XXXX/17 by Clarity Company. I know the Clarity Company has been investigated in the past for this. XXXX XXXX XXXX is looking into this matter and because of the known past history of the Clarity Company, I did not contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Debt collection (Payday loan) with GMA Investments, LLC (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received a call today from an aggressive collector at Summit Receivables regarding a payday loan he advised I obtained in 2009. I did not recall anything related to what he was talking about. He advised if I did n't have the {$1100.00} today they would move the file to the legal department for asset and income verification. He then asked me if I have ever been sued before. I asked if that was what he was going to do. He repeated the question. When I advised I had to go as I was at work he then yelled " Stop being a degenerate and pay your bill ''. I advised him this was an FDCPA violation and he then said " No, it 's not '' and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am going through a divorce currently and was required by the courts to pull my credit and show any and all joint accounts. Upon doing so I realized there are numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside at XXXX XXXX XXXX XXXX, CT XXXX yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I would also like a free updated credit report sent to my address once these accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have included and attached a copy of the police report, the judgement stating the accounts are not mine and I hold no liabilty, and my drivers license. 

Confirmation # XXXX Accounts XXXX XXXX Bank Account Number : XXXX Balance : {$3600.00} XXXX Account Number : XXXX Balance : {$4600.00} XXXX Account Number : XXXX Balance : {$9100.00} Inquires XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX , XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Student loan (Federal student loan servicing) with ACS Education Services (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I received an email from ACS on XXXX XXXX, 2017, prior to this date I had not received correspondence from ACS. This lack of communication hinder my ability to pay and to update the company about my medical XXXX. I need to access information on the loan to make a full payment an close the account, but the ACS website does not allow me to register and gain access to my loan information. I am left unable to pay as interest accrues.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CL HOLDINGS LLC (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX account from XX/XX/XXXX has been reopened and reported on credit report. After checking court docket for case - please find attached case believed to be reported. Wrong name/ amount / wrong address. This is not my debt. Case Summary Jefferson Capital Systems , LLC v. XXXX XXXX Case Number XXXX Court Washington Superior Court Type CC - Civil Collection Filed XX/XX/XXXX Status XX/XX/XXXX, Decided Parties to the Case Show all party details Defendant XXXX, XXXX XXXX Jefferson Capital Systems , LLC Chronological Case Summary XX/XX/XXXX Case Opened as a New Filing XX/XX/XXXX Appearance Filed Attorney : XXXX, XXXX XXXX For XXXX : Jefferson Capital Systems , LLC File Stamp : XX/XX/XXXX XX/XX/XXXX Complaint/Equivalent Pleading Filed Against : XXXX, XXXX Filed By : Jefferson Capital Systems , LLC File Stamp : XXXX/XXXX/XXXX XXXX/XXXX/XXXX Service Issued by XXXX ( electronic receipt requested ) Serve To : XXXX, XXXX XX/XX/XXXX Service Returned Served Certified mail accepted. Party Served : XXXX, XXXX Date Served : XX/XX/XXXX XX/XX/XXXX Motion for Default Judgment Filed Motion for Default Judgment and Affidavit as to Military Service, Age and Competency Regarding XXXX XXXX filed. Filed By : XXXX, XXXX XXXX File Stamp : XX/XX/XXXX XX/XX/XXXX Affidavit Filed Affidavit of Debt and Affidavit of Non-Military Status filed. Filed By : XXXX, XXXX XXXX File Date : XX/XX/XXXX XX/XX/XXXX Order Granting Motion for Default Judgment RJO Served : XXXX, XXXX XXXX Served : XXXX, XXXX XXXX Signed : XX/XX/XXXX XX/XX/XXXX Default Judgment entered Judicial Officer XXXX, XXXX, XXXX. Monetary Award : Judgment : {$510.00} ; Status : Active ; Signed Date : XX/XX/XXXX Awarded to : Jefferson Capital Systems , LLC Awarded against : XXXX XXXX Judgment Book : XXXX, Page XXXX XX/XX/XXXX Automated Paper Notice Issued to Parties Order Granting Motion for Default Judgment -- -- XX/XX/XXXX : XXXX XXXX XX/XX/XXXX Automated ENotice Issued to Parties Order Granting Motion for Default Judgment -- -- XX/XX/XXXX : XXXX XXXX XXXX Financial Information Financial Balances reflected are current representations of transactions processed by the Clerks Office. Please note that any balance due does not reflect interest that has accrued if applicable since the last payment. For questions/concerns regarding balances shown, please contact the Clerks Office. XXXX, XXXX Defendant Balance Due ( as of XX/XX/XXXX ) XXXX Charge Summary Description Amount Credit Payment Restitution XXXX XXXX XXXX Transaction Summary Date Description Amount XX/XX/XXXX Transaction Assessment XXXX Jefferson Capital Systems , LLC Plaintiff Balance Due ( as of XX/XX/XXXX ) XXXX Charge Summary Description Amount Credit Payment Court Costs and Filing Fees XXXX XXXX XXXX Transaction Summary Date Description Amount XX/XX/XXXX Transaction Assessment XXXX XX/XX/XXXX Mail Payment ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Hunter Warfield, Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX They put a collection item on my credit report and it is not my item!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Hello, our mortgage has been recently transferred to a new mortgage service company ( Nation Star Mortgage ). When submitting my payment for the month on XXXX, NationStar told me that going forward they will charge {$9.00} unless I pay my mortgage by the XXXX of every month. I am wondering if that is the rule industrywide, because I have always paid my mortgage on the XXXX of every month with my former servicing company. I really would like to continue to pay my mortgage on the XXXX of each month, because it is still 30 days whether I pay on the XXXX or the XXXX each month.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: need help with my XXXX XXXX / Navient loans please help constant harassing me company will not give me balance.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
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: These companies are reporting 30 day lates on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation