milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian was reporting incorrect addresses for me. I disputed the incorrect information and they deleted my current and CORRECT address they are reporting me as having an address of XXXX, PA XXXX THIS IS INCORRECT - THIS IS A BUSINESS ADDRESS MY CURRENT ADDRESS AND HAS BEEN IS XXXX, PA XXXX I WOULD LIKE MY ADDRESS CORRECTED

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 08/26/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I graduated from pharmacy school in 2004 before the new Obama plan went into effect. I immediately consolidated my loans ( fed and private ) with American Education Services and have paid between $ XXXX for the last 12 years. I never got any notification from the about the new plan that if I re-consolidated through direct loanI could have a different payback plan including having my loans forgiven after 10 years of working for a non-profit. I have worked at a non-profit hospital for the last 8 years. When I confronted AES about this they said there was nothing they could do for me. They said " it was all over the news ''. I asked why they did n't send out notifications to their customers years ago that this would be in their benefit. Their answer was what I previously stated. I have spend countless hours on the phone with studentloan.gov people getting nowhere. I find this very unfair that I will pay back 3 times what my initial loans were with interest and then also " pay '' for all the forgiven loans that this new federal program loan program offers through my taxes. I still have 18 years left of my loans and would almost be done if AES had been a decent business and helped their customers years back. The person who answered the phone actually told me I could n't have consolidated through them because the only company that would is Direct Loan. I said I have been paying you for the last 12 years so that is false. I feel owed something by them by missing out on this amazing federal program. I have paid them more than my original loans were at least twice and still owe 18 years of payments. THis is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION ().
Issue: Using a debit or ATM card

Complaint: After my Fathers death mid XXXX, my mother and I tried to regain control of an account managed by him for which my mother and me are currently co-owners. My parents are international customers living in XXXX, I live in XXXX. For that account a card was existing but the ATM pin was unknown and no cheques were existing. 
It was nearly impossible to contact the bank throughout several months as a key number ( social security number ) is needed to make the phonecall and all known personal contacts at the bank branch were not responding to emails/phonecalls. 
We managed to get through on XXXX XXXX to the branch and the director agreed to send to XXXX a card and a cheques book to regain control of the account. Nothing ever arrived. 
We managed to get through again on XXXX XXXX through the XXXX number and the person attending agreed again to send a card and cheques. Nothing ever arrived. 
Between mid XXXX and mid XXXX, all money in XXXX different accounts was spent from XXXX XXXX XXXX XXXX using a single card. In order to do this also money was transferred between accounts within the bank ( from an account for which no card was existing to the one that was accessible via the card ). The card number and type used is still not known to us as the bank has refused to provide any information. 
We ( my mother and me ) traveled to the branch personally and placed the claim personally. 
After less than one week, we found out that the claim was denied. 
After this, I reviewed the claim to figure out that it was wrongly formulated and requested a correction via the branch. It is not clear for us if the claim was updated for such correction. 
In addition we requested more information regarding the reasons why it was denied as well as more information to enable further investigation from our side. The branch has, after more than XXXX requests, not provided such information. 
The claims department indicated that XXXX leters have been sent explaining the reason for not accepting the claim but none of these have arrived so far ( after almost 2 months ). 
Through the branch, I requested an account statement to find out that most of the account fees and XXXX fraudulent transaction had been refunded back ( total amount of fraudulent transactions is around XXXX and fraudulent transfers XXXX ). 
After contacting the claims department, they insist that the claim has been fully denied and that no refunding has taken place. 
I have been trying to get information from the bank but just get forwarded from one section to the next one. Waiting times are considerably long ( last phonecall was 2 hours long until the call got forwarded once more and there no audio was available ).

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 01/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been charged extremely high capitalized interest to loans in times of hardship and I believe the interest rate is extremely high. Please help me. I owe nearly twice the amount I borrowed even though I have paid for years. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Debt collection (Credit card) with Oxford Law, LLC (OH).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Collector called saying they were from Oxford Law Firm 2x in a row.. We filed bankruptcy in 2012. They were collecting a debt from XXXX XXXX for {$4000.00} some dollars. After my husband spoke and said a few choice words - I asked him to excuse himself from phone. I then proceeded to tell the person I was pretty sure he was n't suppose to be calling me because we filed bankruptcy and a letter was sent to XXXX XXXX. He then got smart and said what is the number then. I proceeded to ask him who he was and why he was calling. He then said the debt was from XXXX XXXX XXXX and after asking a couple times that his name was XXXX XXXX and he was a legal assistant at Oxford Law Firm with a number of XXXX ext XXXX and gave me the address of XXXX XXXX XXXX XXXX PA XXXX. I gave him the name of the attorney for the bankruptcy and told him I was pretty sure he was n't suppose to be calling. That XXXX XXXX XXXX or Oxford Law Firm should have checked the account before they started collection procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Account opening, closing, or management

Complaint: On XX/XX/2016 I deposited into my checking account an amount ( approximately {$75.00} ) to bring my balance to XXXX in order to close the account. Same day I made a follow up visit to the Regions bank branch office and met with Regions employee XXXX XXXX in order to assure account was closed. 

Regions beginning on XX/XX/2016 posted a series of service charges in excess of {$400.00} to the account which was closed previously on XX/XX/XXXX. Subsequently they seized {$400.00} from my now card account to retire these erroneous charges to a closed account. 
I need the {$400.00} reinstated to my now card.

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 05/30/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (ID).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX   XXXX   , 2017,   I  contacted the   XXXX   XXXX   XXXX  . It was explained to me that my employer met the criteria for me to have my student loans forgiven after 10 years of on time payments. I scheduled to have the  XXXX  time  XXXX  $ fee broken up into different installments, and anticipated  XXXX  $ a month payments for 10 years, based upon my income. Unbeknownst to me o n  XX/XX/XXXX  I  was alerted via e-mail that I had to fill out an 'Employment Verification Form '. I had my employer fill it out and fax it TWICE, only to have Fedloan servicing or "   XXXX   XXXX   XXXX   '' as they also go by, tell me they should scan it and send it in an email. It was around this time that my lender,  XXXX  contacted me and let me know that in   XX/XX/XXXX  I   w ould have a payment come due with them. This was very peculiar and I started to think I had fallen victim to a scam. Why would I pay both them and  XXXX ? I asked. With no good answer I confronted the billing department and I told them that I did not think this was legitimate and they said if I did n't pay like I said, that they would report negative on my credit report. I will be reporting FedLoan servicing to the Better Business Bureau as well. Also I would like to note that  XXXX  had this company 's, ( Fedloan exchange ), California address on my student loan account along with my Idaho address. I never signed the 'Certification of Identity & Authentication to Disclose Personal Information '' Form, so Navient should not have any of FedLoan 's contact information. Also I received a letter that my employer was not eligible for the 10 year forgiveness program, which was the entire reason that I signed up. I managed to only pay  XXXX  $ before I realized the scam, and that has been recovered due to filing a claim with  my Credit Union.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Atlantic Credit & Finance, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A debt collection company that I send payments to is claiming that they did n't receive a payment that I sent in XXXX 2016. However I 've made payments in XXXX and XXXX which have applied to my account correctly. I 've tried to rectify this matter and two months later and still has n't been resolved. It is very difficult to speak with someone about my account, because staff are rarely available. At this time I still have n't been informed about the company 's status in tracking the payment.

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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I tried disputing this address two years ago and the address is incorrect. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification 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 non-monetary relief
Consumer complaint received 03/15/2018 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: During the Housing crisis beginning in XXXX the value of my home decreased dramatically. My goal was to reduce my monthly payments and have an affordable interest rate. Ocwen my Lender instructed me that in order to do just that I must refrain from making mortgage payments for 89 days. On the 90th day Ocwen implemented foreclosure proceedings which resulted in applicable attorney and appraisal fees. These fees were unathorized and unwanted. After disputing these charges with their Resolutin team and the Ombudsman department for 6 years I realized the charges must be paid. Since XXXX I had hoped these charges would be resolved. Ocwen refuses to remove 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 07/25/2017 about Mortgage (Conventional home mortgage) with Fidelity National Financial, Inc (NY).
Issue: Closing on a mortgage

Complaint: Reopen case XXXX and XXXX. Fidelity did not send me a response to my letter of inquiry directly. I discovered their answer on the CFPB website. The answers furnished by XXXX XXXX to my six questions are incomplete. Their company has no grounds to not honor their policy as there was no " purchase. '' The company is obligated to honor the policy as XXXX XXXX ( My former name ) and the XXXX XXXX XXXX XXXX as it is me. This company through XXXX XXXX XXXX failed in their fiduciary responsibility to disclose the trust and trustee ( question 3 ) or the financial asset account number generated from the sale of my securitized 2005 note. XXXX XXXX asserts she has no knowledge of any trust? XXXX XXXX claims Fidelity has no responsibility for the actions of XXXX XXXX XXXX yet answers for them. Fidelity, XXXX and XXXX XXXX XXXX used the XXXX system to hide the trust and financial asset they created which still remains undisclosed to me. XXXX XXXX lacks standing and XXXX XXXX  never gave me a loan but they got paid three times over and beyond on the sale of the securitized instrument governed by XXXX and mistakenly tied to the collateral my property XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2018 about Mortgage (Other type of mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Trouble during payment process

Complaint: This is XXXX! I asked for a copy of the loan audit for my loan to see what payments have been made and Wells Fargo response to my last complaint XXXX. Is that they need more information from me? XXXX you CFPB are worthless pass the buck over paid government POS!!

If I had to show all my checks I had to spend {$250.00} to get copy of checks from 2 years ago but ask the bank with XXXX  dollar computers they can't manage to get my loan payments and show how they are posted?

This system is seriously XXXX XXXX!!!

That bank Wells Fargo should have to give me a loan audit with in 72 hours!!! At least with in 30 days! You really want to be a consumer protection Orginaztion then act like you give a XXXX!! Make the banks do their jobs and supply the audits!!

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 05-12-2015 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Customer service / Customer relations

Complaint: This is bogus I filled out XXXX applications with american express and they call me tell me any rep can assist me witch Is not case leaving me with an secured ref code to make sure im an legit applicant

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Money transfer, virtual currency, or money service (Refund anticipation check) with PAYPAL HOLDINGS INC. (CA).
Issue: Problem with customer service

Complaint: I returned an item that I purchased from XXXX XXXX XXXX, online, in XXXX 2017. I mailed the item back via USPS using XXXX return lable. They claim to have furnished me a refund through PayPal. Paypal claims they never received a refund from XXXX, to post to my account. I’ve been waiting for  MY refund since XXXX 2017 and have received little to NO HELP from either companies.  WHERE IS MY REFUND!?

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/20/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX XXXX organization sent my account to a collection company, XXXX XXXX of XXXX VA, without billing us directly. My family of XXXX has lots of XXXX medical issues in the course of a year, and in every case, we always pay our bill immediately, or in exceptional cases make arrangements to pay extremely large bills over a series of installments. We have a high deductible medical insurance plan, and routinely we pay over {$6000.00} in medical costs until the deductible is met, and when the deductible is met, our insurance faithfully covers the remainder. We use our local XXXX XXXX 6 or 7 times a year, at least until now, and we have never had any issues, and our credit reports demonstrates that we do n't have issues with anyone else. We first became aware that XXXX had sent a balance to collections with XXXX XXXX of XXXX VA XX/XX/2016 when my daughter required medical care. Naturally, as soon as we were informed that anything was outstanding, we paid the bill in full immediately at the front desk of XXXX XXXX. We contacted the credit bureaus about the matter, and naturally the erroneous information was " confirmed ''. This is an abusive practice and I can not fathom what business purpose it serves to take ordinary receivable matters in turn them into inappropriate collection practices.

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 09/14/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Payoff process

Complaint: I have a BestBuy card which is managed by Citi. BestBuy routinely promotes that you consumers receive certain months without interest but that all interest is cumulative and payable if all amounts are n't paid before the expiration of the promotion. Citi/BestBuy, however, limits the number of payments that can be made on the card, which I believe is to trip people into failing to make payments on time and then being able to charge all backdated interest.

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 09/28/2015 about Debt collection (Non-federal student loan) with The CBE Group, Inc. (LA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Before retiring from my XXXX Job I neglected to change my email address so that I could update my Pay Gov account to renew my Auto Pay for 15 months. When I realized that I had over looked changing the email from my work to my home email in the mean time my SBA Loan was turned over to collections, and not like I did it on purpose I offered to pay the two months and bring the loan current, and I was told that I could n't and they would start off-setting my Social Security and my Retirement pay, plus any other pay I get. So with the Gov. offsetting everything I get I 'm getting calls monthly, weekly, daily from CBE Group Inc to collect on a debt that is already being paid every two weeks, and every month. I have asked them to stop calling because I 'm not paying anymore that is already being taken which turns out to be almost {$500.00} a month in offset. 4 times more than what the original loan payment was.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: First issue I can not obtain a copy of my credit file anywhere, I never placed a lock on my credit file. Second I have disputed the following items many times and no response back. Your company is violating my rights I have disputed several times the following items which are PAST THE STATUTE OF LIMITATIONS AND THE CREDIT REPORTING AGENCIES ARE LISTING INACCURATE DATA WHICH VIOLATES MY RIGHTS ON THE FOLLOWING XXXX XXXX original DLA is PAST THE STATUTE OF LIMITATIONS XXXX {$46000.00} XXXX Original DLA is PAST THE STATUTE OF LIMITATIONS XXXX DUPLICATION AND PAST THE STATUTE OF LIMITATIONS XXXX PAST DUE $ XXXX DUPLICATE AND PAST THE STATUTE OF LIMITATIONS XXXX ORIGINAL DLA IS PAST THE STATUTE

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (Credit card) with NAVY FEDERAL CREDIT UNION (NH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have requested in writing on 3 different occasions to not be called at work, as I am NOT allowed to make or receive personal calls at the office. They keep calling, and left a message with my supervisor. I do not wish to be fired because of these practices and have already been warned by my supervisor to not make or receive personal calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-03-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Struggling to pay mortgage

Complaint: The First mortgage on my home is held by ClearSpring Loan # XXXX in the amount of {$210000.00} Contact number XXXX The Second mortgage - Select Portfolio Servicing Loan # XXXX This is a Equity Line of Credit Refuse to work with me they are not the first mortgage. <P/>They say that I owe {$520000.00} I say I do not according to the documents that I have. Select Portfolio Servicing would not allow me to give a loan modification package of any kind for review for the Equity Line of Credit and the payments go up every month. <P/>They sent me a repayment plan for {$6700.00} never requested any financials or documents from me. When I did not accept the payment plan with a balloon payment at the end of {$470000.00} they put me into foreclosure with a pending sale date of XXXX XXXX, 2017 at XXXX XXXX. <P/>The foreclosure document Notice of sale states : Supreme Court County of XXXX XXXX XXXX XXXX XXXX XXXX, as Trustee, on behalf of the Certificationholders of XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX Mortgage Pass-Through Certificates, Series XXXX, Plaintiff against XXXX XXXX XXXX, Defendant ( s )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Payday loan) with Midwest Finance Corporation (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I HAD GOTTEN A PAYDAY LOAN AND I HAD AN AGREEMENT WITH THE PREVIOUS EMPLOYEE. I HAD RUN INTO SOME FINANCIAL PROBLEMS AND IT SET ME BACK SO I WENT IN AND TALKED TO THE PREVIOUS EMPLOYEE SHE TOLD ME TO PAY WHAT I COULD WHEN I COULD. THE COMPANY CHANGED OWNERSHIP AND THE EMPLOYEES THAT WAS ONCE THERE ARE NO LONGER THERE. THE NEW EMPLOYEES, NOT KNOWING MY SITUATION, HAS BEEN CALLING ME EVERY SINGLE DAY SOMETIMES XXXX A DAY CALLING MY JOB CALLING MY REFERENCES TELLING THEM WHAT I OWE WHAT THEY BE LEAVING MESSAGES SAYING AS WELL AS WHAT THEY GOING TO DO IF I DONT GET IN THERE. I KNOW THEY ARENT SUPPOSED TO SAY ANYTHING TO REFEENCES OR WHOMEVER ANSWERS THE PHONE AT MY JOB. NO MATTER WHAT THEY SAY ARE DO ITS NOT GOING TO CHANGE MY SITUATION

Company response to consumer: Closed with explanation