milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-07-2017 about Debt collection (Other debt) with EZCORP, INC. (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I took out some loans against EZ Pawn. I was told a couple of months ago that I had paid over 23,000 in interest to them. They would repeatedly text me and call me. I was very ill in the hospital and hooked up to XXXX 's when they would call me and tell me that I had " better get down there '' to make payments to them. I had to send a friend down to make payments to them. I would pay them and mail in money orders and cashiers checks to them and tell them which loans to extend only to have the dropped anyway. I am very upset that I paid so much in interest to wind up with nothing. I would not have paid them this much money had I not been pressured so much. I am very upset about their tactics. I feel that this has been a no-win situation and feel very stupid and a a big sucker.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Lender refuses to provide a loan history. I requested it orally multiple times, and in writing several times. They refuse to provide. As one of their excuses, they claimed they provided a statement one and a half years ago and do n't need to now. Another excuse they use is they did n't recieve the fax, though it was faxed multiple times, with confirmation, to the various numbers they provided. Each time, they say they wo n't respond to an oral request, and refer me back to the fax request process that I 've done multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other fee

Complaint: Capital One Credit Card has been charging continuous regular interest rate plus cash advance interest rate, even the loan was fully paid. I used it again the following month after it was fully paid, and the usual interest kicks in including the cash advance that i took for {$200.00}, XX/XX/XXXX, and had been charging me interest since then till XX/XX/XXXX for almost $ XXXX/per month for the past 3years on top of the 25 % interest every month. Even I almost paid it off XX/XX/XXXX, but they are continuing to charge cash adv interest, thy offered me {$20.00} credit this month, but i told them that i will report them and the {$20.00}, is not enough credit for the interest they keep on billing me. They told me to call again next month to check and see if I was billed again for the cash adv int. but i just want to let you know for the credit card companies bad practice killing the small people, trying to keep afloat in this difficult times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Hi. I have a student loan thru XXXX for {$7500.00}. Recently XXXX XXXX XXXX did a name change/update that now reports a student loan owing {$7500.00} to them in addition to the XXXX student loan. I contacted XXXX and they agreed that a single loan was being reported twice XXXX same balance, same acct #, different name ). They agreed to remove the XXXX loan. They did for one month and then it reappeared on my Transunion report. I contacted them again and they agreed. Same result, gone then back. Then I contacted Transunion and they did an investigation which resulted in Transunion deleting the duplicate loan. Then the following month is was back on. I just got off the phone with Transunion and they said they will start a dispute. I asked if I win what measures will Transunion take to make sure this stops. He said none. They are powerless to regulate what info appears on my report since it is only reporting the data, not generating the data. That is not acceptable. This has been going on since XXXX ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan was transferred on XXXX XXXX 2015 from XXXX to us bank. 
On my last statement with caliber dated XXXX XXXX, 2015, my outstanding principal balance was {$540000.00}. That should be the amount outstanding when the loan transferred to us bank. 
but when it transferred on XXXX XXXX, it was {$540000.00}, which is {$1800.00} short, which is the additional principal payment that I made and that I am MISSING! 
and that {$1800.00} is not the same {$1800.00} applied as principal on XXXX XXXX, it is the {$1800.00} that I paid towards principal on XXXX XXXX TO XXXX XXXX XXXX prior to the loan transferring to US bank. i have all the proof and I will attach with this complaint. 
I already filed a complaint against XXXX, and this one goes to us bank, so they can track payment history and adjust my principal balance {$1800.00} that I am owed.

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 Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Billing disputes

Complaint: The issue here is that I have been wronged by XXXX along with numerous other establishments and their flagrant misrepresentations. The monies paid to this company were taken under false pretenses. On XXXX XXXX, 2014, upon request I paid {$3600.00} dollars to XXXX ( {$1900.00} ) charged on XXXX XXXX, 2014 & XXXX XXXX ( {$700.00} ) XXXX XXXX, 2014, they claimed that I would receive the following services, please refer to the enclosed letter for a summary of the events that occurred. Which to date, I have not received as described per our contractual agreement, which I have enclosed for your review along with incriminating documentation that they are in fact a scam. Disgusted, does not begin to describe my outrage, after further investigation I discovered that this company is in cahoots with several other " online businesses '' that prey on unsuspecting consumers. These career criminals, even go to the extreme of dragging you outside of your 60-120 day grace period to dispute the charge with the Credit Card Company or bank account with guarantees of success and profitable returns. I was advised by the attorney general 's office that there is an extended period of time allotted if the services were not rendered as described per Federal Regulation. Which has brought me here, needless to say I did not get the services I originally purchased. I have been taken advantage of, and need my credit card company to look into remedying this situation. I called my credit card company and spoke with XXXX ( I was on the phone for at least an hour ), she mentioned that because the card was closed they wo n't look into the matter. This is simply unacceptable, please have them to look into the matter, they are supposed to be on my side! I would like my money refunded without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed numerous times with Equifax concerning Equifax has continued to state that XXXX County contacted them and verified this information. XXXX County Clerk of Courts stated they did not report any information at any time. Equifax has been violating the FCRA and stating that they did and giving their contact information and its not factual

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/30/2016 about Debt collection (Federal student loan) with WELLS FARGO & COMPANY (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Wells Fargo Bank sent a false loan verification over to XXXX XXXX in XXXX stating that I took out a loan in the amount of {$420.00}. In fact the loan was canceled in XXXX and I have proof of it, while providing that proof to the bank they have refused to send the money back that was taken. They have also retaliated by submitting false information to the credit bureau stating that this account was late and defaulted by reporting rolling XXXX lates to all three agencies. I have since disputed asking for the note that was signed for this loan amount of which they have not been able to provide.

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 08/31/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Tried to obtain my annual credit reports. XXXX was no problem. Equifax and XXXX both were unable to send. Equifax questionnaire asked questions but none were related to any information about me. XXXX did not even ask questions simply stating they were unable to send online. Both want me to mail my requests and submit my PERSONAL information via the mail which I feel further exposes me to credit theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (NC).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: My husband has co-signed for my daughters student loans through Discover for 3 1/2 years. She has 2 semesters left and Discover has denied my husband, myself and dad the ability to be a co-signer. All have good credit and both my husband and dad have accounts with Discover that are current, and the FICO scores on each of their statements indicate they have good credit scores. 
I have called Discover and they can not tell me why all XXXX co-signers have been denied. I feel it may be related to a personal loan request, in which they denied my husband, but offered my dad and he refused after they kept losing his paperwork. If this is the case I am not sure why they even offer student loans. The loan is in my daughters name and her responsibility, with the understanding we will pay the loan if she defaults. We also had the understanding that no payments were necessary until after she graduates. I am in the process of paying off my student loan and then we were going to start paying on hers when mine was paid. 
I feel Discover owes my daughter an explanation as to why suddenly they can not offer her a loan. She has done absolutely nothing wrong in this matter. She is just trying to complete a degree so she can attend graduate school. 
I have contacted them over the phone and each time I just end up with a customer service representative who reads from a screen. Discover does not live up to college loans services as they advertise and I hope this incident can put them back on the right path.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (WI).
Issue: Loan modification,collection,foreclosure

Complaint: Because they failed to validate the debt in the timeframe allotted according to the FDCRA and other applicable laws this item was legally deleted from my file. After my wife filed a claim against them with CFPB stating that had failed to validate her debt and therefore should remove it from her credit report, they in turn RE-INSERTED the erroneous information on my credit report on XX/XX/2016. Select Portfolio Servicing has worked overtime to ruin our life with their fraudulent reporting. They have further sought to even comply with the law in reporting to the credit bureaus and have cause me irreversible harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The insurance company is responsible for this charge, I was and presently am a XXXX and medical /XXXX insurance is extended 31 days after separation from employment. I left my job the same month I visited this XXXX office, they are aware of the 31 day extension and refuse to bill the correct party for this charge, the XXXX insurance company. I 've regained my XXXX employment status and hold the same insurance. They sent this account to collections in error. They need to bill the insurance company and remove the fraudulent charge off of all my credit reports, they have caused me a tremendous hardship. 
The collection company has responded to my CFPB complaint and agreed to remove the incorrect information, Equifax is not complying. 
Company responded -XXXX said : Explanation of closure We will remove the account from your credit report to allow you the opportunity to clear up any confusion with your insurance company. 

Equifax is jeopardizing my chances of home-ownership. They also have refused to update my payment information on other accounts after repeated requests on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Settlement process and costs

Complaint: I hope that I have selected the correct options. I sold my home and when the title company went to get a clear title, it came back that I have XXXX home equity loans against my title. Bank of America has recorded my home equity loan twice. It has been. A week of constant contact with them, with no resolution other than they have to research this and it could take up to a month to resolve this. This is not my fault, but Bank of Americas fault. I am going to lose the sale of my home as well as the ability to start building a new home because of this. I call daily only to go to voice mail and when some XXXX contacts me I am told that it has been expedited for resolution and they have no idea how long it will take to research this on my dime. Any help that can be given to resolve this would be greatly appreciated. The resolution number XXXX. My point contact is XXXX XXXX, XXXX ext. XXXX. Thank you in advance in getting this resolved so I do n't lose the sale of my home.

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 08/30/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have asked Navient multiple times due to my situation I ca n't physically afford to even pay my own bills let alone having child support being paid out repaying on my school loans I 've asked multiple times can we do something to have no more than {$100.00} a month I understand I have to pay it back I am understanding that it needs a certain amount but when I can not physically afford to even pay my own bills it 's very difficult to add another let 's say {$250.00} being paid out on muonth. I need help I need a really low payment and direction XXXX wo n't lower it even more I understand there 's certain guidelines but when the bar is on able to pay and physically not able to pay this amount due to hardships it makes it hard to be able to pay everything that the borrower wants to pay on.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (LA).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage company had scheduled a home inspection on XXXX XXXX 2016, the mortgage companies representative fail to come for the home inspection. Therefore I sent a letter via fax to have the funds released. Now the mortgage company is stating that I need to reschedule the inspection. Why when they failed to show up for the inspection and to top it off MY ACCOUNT WILLED BE BILLED FOR THE INSPECTION. Several times I have requested information stating why I am to pay for the inspection when Nation Star is requesting the inspection they have yet to send me any correspondence. They refuse to release the remaining funds so the contractor can get paid. PLEASE HELP ME NAIONSTAR MORTGAGE COMPANY IS GIVING ME THE RUN AROUND.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: At the end of XX/XX/XXXX I received an offer from XXXX XXXX to apply for a loan, which was then denied due to an outstanding collection I have. I was not aware that I had a collection in my credit report until this occurred. I have now learned that there is a collection against me from a loan I cosigned for years ago. 

When I look at my credit report I see in XX/XX/XXXX there were a few ( three I believe ) late payments from the owner of that cosigned account. Then after XX/XX/XXXX it  shows a {$0.00} balance and green check marks as if the account was then caught up and current. I also did not know that the payments had fallen behind that year, I never got any late payment notices and my credit score did n't change. The balance to that account showed {$0.00} in the last year. I thought the primary owner of the account had paid it off because there was no other information provided to me. 

Now there is a collection on this account. Only in XX/XX/XXXX did I receive notification of collections in writing, which is well after it has started to show up in my credit report as a negative impact. I tried to dispute this with the credit report agency, they ignored my complaint, and I also complained to this agency but since I did n't have any info on the collector nothing could be done. 

Now I have a letter from the collector, it is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX. Again, this is well after it has negatively impacted my credit when I was n't even aware that the debt still existed, and when I did discover in in XX/XX/XXXX I was given no means to catch up with any payments. Now it 's due all at once and I can not pay it as such. 

My credit history is perfect otherwise, I have never had a late payment registered anywhere since my credit history began. I never would have let this become a collections account if I knew about the issue. I think my own credit history ( not the cosigned account and collection ) is proof enough of that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: APR or interest rate

Complaint: Bank of America sent me a promotional offer of 0 % APR until XX/XX/2018. I called in to enroll in the promotional offer but was told by Bank of America customer service representatives that the offer only applies to balance transfers. The offer itself does not even mention balance transfers. 

The offer states : " OFFER 1 - LOWER RATE - 0 % ( O % Daily Periodic Rate ( DPR ) ) Promotional APR until XX/XX/2018. Use offer XXXX or use red check number 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 03-05-2018 about Mortgage (FHA mortgage) with LAKEVIEW LOAN SERVICING, LLC (FL).
Issue: Trouble during payment process

Complaint: I have been trying to remove the PMI payment off of our mortgage and called to confirm the amount over & above the mortgage payment that would bring our loan to value to below the required 78 % on XX/XX/XXXX I was told it was {$12000.00} and we qualified as we have had the mortgage over 5 years and never missed a payment! I transferred the monies and it was in our mortgage account on XX/XX/XXXX I have the confirmation from XXXX XXXX, I have emailed 5 times and called 5 times and now spoken to a Supervisor called XXXX  ID Number XXXX and they are telling me I now have to wait until XX/XX/XXXX! to get my refund back when they are still charging me for the PMI when I have contacted them numerous times to have it removed and refunded. Please can you help me.

They ignore my emails, they ignored my written correspondence, they have never returned any of my calls, yet they have charged me {$230.00} x 2 PMI and still continue to charge when my LTV is lower, I did not pluck that amount out of the sky to reduce my mortgage they told me the amount, they record all their calls so they need to listen to them and refund me the money they are charging me, I have wasted hours and days on this, I pay my mortgage I have never missed a payment and yet they penalize me!

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 05-10-2016 about Debt collection (Federal student loan) with NELNET, INC. (ME).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: My student loan had been discharged XXXX/XXXX/2010. Nelnet claims I did not contact that last year and so without warning since XX/XX/XXXX they have been taking {$150.00} from my XXXX check which I am barely living on. Said I have to re-apply. I did and have also shown proof of emails where I have tried to contact them in past XXXX yrs. I sent everything they needed in the packet. I have called several times each time they have my wrong address. Each time I give them the correct one, although the mail gets to the right address. I have XXXX of which I have been working very had to stay off XXXX medications but these people keep sending letters saying I forgot this and that when I have copies of everything I sent them. I volunteer at XXXX XXXX XXXX and they helping me but I just got another letter from them saying they ca n't process till they have section XXXX from the Doctor which was sent in the packet. I called and it is because the doctor did not write XXXX , he wrote XXXX . This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: At XXXX, after waiting 12.5 months since our last Equifax reports from XXXX .... '' Internet Delivery Unavailable - Mail-in Request. We 're sorry, for your protection we are unable to deliver an Equifax Free Annual Credit Report over the Internet. To request your Free Equifax Credit File by mail, please fill out the attached form ( PDF file ), along with the documents described below and mail them to : Annual Credit Report Request ServiceXXXX, GA XXXX '' This seems to defeat the whole purpose of keeping my SSN and other personal info out of the US Mail stream where it is easily stolen. Why?!

Company response to consumer: Closed with non-monetary relief