AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Unfair tactics used by student loan collection agencies creating confusion for repayment of student loans. 
After completing my masters program in XXXX, I began making payments to a " XXXX XXXX XXXX At some point in XXXX ( or later, it 's very unclear ) another collections agency SAF-XXXX was also trying to collect on the same student loan. Although SAF-XXXX said they tried to contact me via mail it would have been difficult to contact me due to the fact that my working location has been in XXXX from XXXX XXXX until XXXX XXXX. Also, I was already making student loan payments to " XXXX XXXX '', so there was no way to know or expect a change in who my student loan payment should be made to or that I needed to make payments to XXXX different agencies. It was a complete surprise to me when I went to consolidate the loan with XXXX in early XXXX and after reviewing my credit report, I found XXXX XXXX XXXX XXXX separate negative entries from SAFXXXX. After making a few calls to SAFXXXX to investigate why there were XXXX separate negative entries on my credit report, I found out some, all or whatever part of my student loan ( s ) was transfered to SAFXXXX for whatever reason, it was really unclear. Furthermore, I did not understand why there are XXXX separate entries on my credit reports for the student loan when I am only making one ( 1 ) payment to XXXX company. I only found out about the negative reporting after making a call directly to SAF-XXXX offices in XXXX to investigate as to why SAF-XXXX was reporting negative credit information on my credit reports. Again at that point in time and after talking to the SAF SAFXXXX representative I found that SAFXXXX did not have my correct phone number. I also asked why an email was not sent to my long standing XXXX XXXX account and I was told you do not use email as a means of communication. Because of the above mention items, there was no way for me to know that the loan transfered to another collection agency. 
It is very confusing to the payee/student when you are making payments to XXXX collection agency and for some reason there is a change to or request from another company to also pay them. Also I do not know why I would have several negative credit entries on my credit reports when I am paying XXXX loan payment. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: XXXX XXXX reported a hard inquiry on my Experian Credit Bureau on XXXX/XXXX/14. I have no knowledge of what this company is. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Signed up for promotion between American Express/XXXX and XXXX via XXXX and American Express XXXX XXXX. Followed signup requirements, but American Express/XXXX did n't credit account after numerous contacts with the company. Via websites, this promotion had numerous issues that American Express/XXXX is loathe to fix. 

Company response: Company chooses not to provide a public response
Consumer complaint: They set-up my account incorrectly because their branch staff member is incompetent ( XXXX in XXXX VA ). I asked to be opted out of their overdraft program and he opted me in instead ( probably on purpose as I imagine the branch gets a kick-back for all overdraft fees ). When I received the XXXX overdraft charge I went in and he supposedly corrected HIS error and reversed my charge. I assumed all was well then 3 weeks or so later I received {$500.00} in overdraft charges ... No one in their " corporate customer support '' office would help at all, said I had to go into the branch which I did. They acknowledged that the error was theirs but the branch manager claimed she had to get approval from someone over her. Two weeks go by and every time I call the branch to talk to her she is " busy '' and will call me back. Of course she never does. Once I get the " customer service '' people to call me they call her and she claims she never heard of me and never had the discussion. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: My social has been used, so I would like to get it investigated. 

Company response: Company chooses not to provide a public response
Consumer complaint: In response to my prior complaint IQ stated they would reduce the amount of my balance, which I continue to dispute, but they are still reporting the incorrect balance on my credit reports. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: As per your respond to my complaint for the above mention dispute cas number, Eperian states that the item was deleted from my credit report. However see attachment, the item is still showing up on my credit report dated XXXX/XXXX/16 that i receive from experian. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have been asking Ditech for a mortgage modification since XXXX. The first was denied on income so I appealed since I started a new job. I faxed them ALL of the information they requested and have copies of the fax documents and upload reports and when I called they said they had the information. Then on XXXX XXXX they called and said my modification was not approved for lack of documentation and I should send in a letter stating I wanted to apply for another modification. On XXXX XXXX I received a certified letter informing me they are going to foreclose on my house on XXXX XXXX. I sent all of the documentation XXXX with a signature to make sure they have no reason to say that it was never received and now when I call they say it is pending being assigned to a loss mitigation representative. 

I would understand if I did not send/re-send/re-re-send/re-re-re-send the same documentation over and over. It appears they are dragging their feet awaiting the foreclosure. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I submitted applications to this company to get a private student loan. I was denied and called back to sibmit reconsideration and my first reconsideration was not even looked at. When I called for a second reconsideration, I was informed this first reconsideration was not even considered because of an error in the information they received. My second reconsideration resulted in denial due to errors in my credit report that I have recently filed complaints with the XXXX credit bureaus to correct the errors. Also, I admit to having some debts but I became ill and lost my job 2 years ago. It took me a year to learn to XXXX again and to get to where I am today. I still have some lasting XXXX from the XXXX I suffered. I have offered documentation to everything I have said and the company has never asked for any. My co-signer also has amazing credit and a lot of land he could borrow against to pay the company back of needed. XXXX of XXXX things are happening, either the multiple people I have talked to have not put this information in the reconsiderations or I am being discriminated against because I was ill, lost my job, lost my ability to XXXX and XXXX. I feel like it is discrimination but I will let the company answer. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I sent payment through my bank online. Informed XXXX from Hunt and Henriques that payment was sent and that it might take 5 days for them to receive. She calls me and leaves me a message that payment has not been received. I checked my online banking and it says payment is " paid ''. I also printed out a proof of payment. Called and spoke with XXXX again to let her know that my checking account is reflecting the payment has been paid and asked her to double check. She says she does n't see payment has been paid and does't double check. I ask her again to check, She insist she does n't see it and to call back later to check again. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have applied for a personal loan recently to reduce my credit card loans, and was rejected by the bank due to information provided by credit card reporting agency. The Bank , XXXX, claims that there were XXXX delinquencies listed, and quite a few of them in the last three years. This is incorrect information. I have not had any delinquency in my XXXX credit cards or my mortgage or any bills that were unpaid in the last three years. 

Company response: Company chooses not to provide a public response
Consumer complaint: Debt collector called me threats to send me to jail never states the call recording or the fact she is a debt collector. Told me I had my end of week or police and state will prosecute me. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: We got a new mortgage payment from Suntrust Mortgage. They are increasing our monthly payment from {$1400.00} to {$1800.00}. We have revised the information ( see attachment ) and all numbers are the same for the new monthly payment except the property taxes. We went to XXXX county and they increased our taxes by {$98.00} per monthy but Suntrust Mortgage is increasign our montlhy payment by {$390.00}. We do n't have budget to pay this new mortgage payment. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: Experian is reporting to XXXX that I owe XXXX under revoving accounts at XXXX % ... Experian own reports is correct at XXXX % but still reporting to MY Fico incorrectly ..it does hurt my score I have talked to XXXX different people at Experian and some other national ( whatever ) with NO good answer ' 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I have talked with the company and still feel like I am being discriminated against. It is my understanding that a cosigner is provided to make sure a loan is paid back. My cosigner has half the requested loan amount in a savings account and around 300 acres of land and last time I looked, XXXX acres was going for XXXX dollars in that area, more than enough to pay the loan if needed. I have explained that there are errors on my credit report that I am in the process of fixing and I sent them XXXX test results showing that XXXX and having to take the entire year of 2015 to learn to walk and wright. All I want is a chance to go to school, I want to do it on my own and I have made sure I had a cosigner who can pay the loan back with no problem. According to my research, it is against the law to discriminate based on illness or XXXX as long as the money can be repaid and I am being discriminated against for being ill no mater what some representative says. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: The loan payments have not been correctly and accurately reported to the credit bureaus. on XXXX the payments from XXXX XXXX to XXXX XXXX are missing. 
XXXX the payments from XX/XX/XXXX to XX/XX/XXXX are missing XXXX payments from XX/XX/XXXX to XX/XX/XXXX are missing.also the loan was paid off XX/XX/XXXX.on my credit report it is showing a payment made XXXX. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I 've submitted multiple disputes to Transunion in regards to collection accounts that XXXX XXXX XXXX and XXXX XXXX XXXX have inserted into my credit report as credit tradelines. I provided documentation to Transunion on different occasions and each time the accounts come back verified. I supplied Transunion a copy of their own documentation showing how a collection account should be reported and they still have not deleted the inaccurate information. XXXX XXXX and XXXX purchased delinquent charged off credits cards and are now misrepresenting themselves as a Debt buyer and my original creditors which they are not. I have no other option but to file a complaint with the CFPB and the South Carolina Attorney General office. 

These accounts are reporting with payment history whereas there is no provision under the collections segment of a consumer credit file for debt collectors to report payment history profile dates and items. 

These accounts are reporting payment terms as well. Again information that should not be reported by a collection agency. 

A party who purchases a debt that is in default for the sole purpose of collecting the debt is not a creditor, FDCPA 803 ( 4 ). This reporting is frivolous and inaccurate. 

Company response: Company chooses not to provide a public response
Consumer complaint: My loan was transferred to Green Tree LLC/Ditech.During the time with Green Tree now Ditech I was asked to send documents etc for Modification evaluation which I did, the latest being in XXXX 2015. A letter I received from Ditech dated XXXX indicated they had received everything and that the evaluation could take approx. 30 days. Now on XXXX XXXX I received another letter saying I was not eligible for HAMP etc. A short time for a real evaluation to take place. Previously I had received to Trial Modification offers which were declined because the amount asked for was in fact higher than my original mortgage payment. Both were neither reasonable or manageable based on our current financial situation. My acceptance would surely have resulted in another default. I think it is time for a Servicer change, a Principal Reduction Alternative ( PRA ) or a Cancellation of the debt with the understanding that in 7 years I would deed the house over to XXXX XXXX. Someone needs to be creative regarding a modification for us like paying 10 % of our gross income for an agreed up time frame ... .... 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I receive, at minimum, 2 to 3 calls from this company on a DAILY basis. This has been on-going since 2015. The calls always come from a different number each time, but they leave a pre-recorded message on my voicemail. The voicemail always states that I need to call them back immediately to discuss a " bad check '' that was " passed through their office ''. The only checks I write are to my rental office for my rent each month and to my child 's school for various field trips and events. NONE of these checks have ever been returned. 
I have tried to call back the number that shows on my caller ID, only to get a busy signal or a " the party you are trying to reach is unavailable '' message. I have also tried to call the XXXX # they leave on the voicemails and have been rewarded with a very stressful conversation from an " agent '' who keeps asking for personal information ( ssn, phone number, address, etc. ) and refusing to give me any information pertaining to the " debt '' I supposedly owe. They have also threatened, multiple times, to serve me with legal papers at my residence. Several times they have stated that they have already attempted to serve me with papers, having strange people call me claiming to be " process servers ''. Each time I have spoken to one of these " process servers '' they have verified my address. I have stayed home on those days only to have no one show up. Never once have I received any type of mail correspondence at my residence from this company and I have lived there for over 5 years. 
I have requested numerous times that they stop calling me, only to be met with a " we have the right to call you if you owe us money '' type of reasoning. 1 or 2 times a week would be acceptable, but they call DAILY. I consider this harrassment. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: On XXXX XXXX XXXX I was at the attorney general office in a conference with XXXX XXXX and the agent for the attorney general said that they could not proceed until the motions of lawsuit against XXXX XXXX was over. 
I am suing my ex-wife do to harming my credit and going to the attorney general and having the attorney general filing for back pay child support. When we had an agreement since XXXX XXXX, XXXX that I would not owe her a dime due to me being dead to her both children. My attorney contacted the office of the attorney general and by state law they are not to harm my credit until the lawsuit is over with. 

Company response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer complaint: I recently closed my comcast account and paid all the statement balance. 
And now just realized there is a debt collection place on my credit, i have never received any bill from comcast showing that i owed them the amount the debt collectors placed on my credit.Never received any statements from comcast nor the debt collecting agency 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: This is my third letter to them in regards to accounts listed on my credit report with their organization that are the result of identity theft and they have failed to process my disputes pursuant to section 605B of the FCRA. They continue to send me letters stating that I am not providing the proper identification, and yet I have sent my driver 's license, tax forms, proof of address, police report, FTC affidavit and statement of identity theft with each letter. You sent a letter stating that you are declining to process my disputes as identity theft because you believe them to be either in error or because I received goods or money in exchange for this. I have submitted a complaint with the CFPB in regards to that as well as their continued failure to process my disputes, send me credit reports or provide me with further assistance as required under the FCRA. *I have never claimed identity theft in the past, and I have provided all required documentation. 
When I take them to court they will need to explain why they did not process my disputes and the only reason they will have is that one of their processors did not have the time or energy to investigate my accounts and took the easy route and sent me that notification. 
They have violated my rights under said section and I have no problems seeking the damages available to me. Not only did every letter get sent certified, but they were also faxed and received by them. I have the proof that these were received and that the required documents were sent with said letters. 

Company response: Company chooses not to provide a public response
Consumer complaint: In XXXX, I had a second mortgage with XXXX. They lied to me about the mortgage rate, and after couple years the rate skyrocketed. In XXXX, I could no longer pay especially the mortgage rates went down dramatically, but XXXX refused to refinance. When I stopped the payments and was ready to walk away, they decided to settle. The mortgage was {$120000.00} ( I paid around {$120000.00} in P & I in 5 years ), and they asked me for {$10000.00} toe settle. I sent them {$5000.00}, promising the rest in a month. Then XXXX charged off the loan left the USA. Couple years later, I received a letter and calls from Green Tree asking for the money. I did n't even know they bought the loan. I explained to them that as promised, I could send them the $ XXXX, but the wanted the entire {$120000.00}. I had a verbal agreement with XXXX but they would not honor it. Again silence for a year until I received a letter from Ditech asking again for {$120000.00}. Again, I reminded them of the $ XXXX agreement, but they do n't want to listen. They paid pennies for this mortgage and now they want to squeeze me 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: I sold a house in XXXX, IN back in 2014, all bills were paid in full as part of the property sales agreement. Several months later the Indiana power company sent me a bill for new power consumption. I informed them at the time of the sale of the house and at receipt of the first bill that the house had been sold. NRA Group continually calls me now and refuses to send me proof of debt so I can address the issue. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I called this agency in order to know what is this account and they totally denied to gave information and ask me to pay the debt no matter what. They do not want to gave any information. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: My wife and I purchased a new construction home in XXXX XXXX. LenderLive serviced the loan including escrow through XXXX and at the beginning of XXXX, XXXX Mortgage took over servicing the loan. In XXXX XXXX, XXXX Mortgage performed an escrow analysis and found that there was a shortage of {$25000.00}. We contacted LenderLive about the shortage and they admitted that XXXX escrow analysis should have been done during XXXX, but none were performed. To correct the shortage, our monthly payment will go from {$2200.00} to {$5700.00} for a 12 month period and then to {$3500.00} going forward. After contacting LenderLive and speaking with multiple customer service representatives and a Director, they admit that there was no escrow analysis performed when there should have been, yet the Director says that it is not their responsibility to adjust the monthly payment in a timely manner to avoid such large shortages. We have tried to contact the Vice President of LenderLive, but our call has not been taken and voicemail has not been returned. We are now trying to negotiate with XXXX Mortgage a reasonable payment plan to pay off the escrow shortage. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: My mortgage loan servicing company is not following the terms of my loan modification agreement. The result of this is me being forced to pay several hundred dollars more a month to maintain on-time payment history. I have contacted their loan servicing department several times in the course of the last month and a half to fix the issue but have gotten no resolution. 

Company response: Company believes complaint is the result of an isolated error
Consumer complaint: I have been trying to aquire a loan modification through Wells Fargo. However, the deciding factor is the lien I have against me from the state of California for rear child support. I have spoken with the child support division and the have spoken with their legal team. The legal team has told me, they are willing to temporarily lift the lien so modification can go through. The only documents they have requested from Wells Fargo and or myself is Mature Installments ''. I have completed paperwork 3 or 4 times now only to be tokd by Wells Fargo that I must come current on my child support. It has been very frustrating and disappointing to have had to repeat this process only to get the same result. If the State of California is willing to lift the lien, why is Wells Fargo refusing to provide the necessary documents? 

Company response: Company chooses not to provide a public response
Consumer complaint: I signed for an upgrade to a 6 cylinder car from XXXX XXXX for an additional {$140.00}, but I did not get a 6 cylinder car. They gave a 4 cylinder Corolla. I asked XXXX for a credit to my credit card, but they refused. When I complained to Penfed Visa, my credit card company, they refused to give me a credit without a credit memo from XXXX. 

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