milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-02-2016 about Student loan (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I currently have 4 student loans with HESAA. This is a State agency that gives out Private loans to students with co-signers for college. I currently have 4 loans that I co-signed with HESAA ( or NJ Class ). I have tried to dispute the accuracy of the loans and written to NJ Class in regard to this. They neither responded to my letters or marked my file " in Dispute ''. They basically continue to ignore me. The account numbers are : XXXX, XXXX, XXXX, XXXX. My son has tried to go to the NJ Class offices and ask for help in reducing the debt or refinancing them. He was harrassed and told he better pay or else. This is what led me to asking for a dispute and for the negative marks to stop on the account. My first letter was sent on XX/XX/XXXX and recieved by NJ Class on XX/XX/XXXX. This letter requested validation of the contract with signatures as competent evidence showing the contractual payments between HESSA and my son and me as the co-Signer. This letter also put them on formal notice that I was disputing what they were claiming. When I received no response, I sent a second letter ( one for each account ) which was sent on XX/XX/2016 and received on XX/XX/2016. Again, I again outlined what they were claiming and indicated they were put on notice of a formal dispute and did not mark the credit bureau as disputed and they added more negative remarks. The NJ Class/HESAA does not believe they follow the same rules as all other creditors and they simply ignore the law. If I can not get satisfaction from filing this claim, I will need to bring them to Small Claims court, but I do n't know if that helps. I need you to review what this organization is doing and help these students who are being harassed and lives ruined by this organization. They are breaking the law under the Fair Debt Collection Practices and I hope you can help me in resolving this. I have been paying this loan now scrambling to get money to pay them equaling on a monthly basis as they are ruining my life and the life of my child without any regard. When you call them, all they say is " you better pay ''. I 've even written the governor who has done nothing but given my letter to the attorney general who writes me letters telling me she found some mistakes in my file, corrected them and then says you must start paying. No option, no help, no evidence. Completely ignores anything I have written in my letter. All four accounts have each had the same letters sent and all four accounts have been ignored. You are my last opportunity to resolve this. I want the validation of the contract in regard to these loans with signatures and I want my life back by cleaning up the history of missed payments since they have broken the loan and have ignored my requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I began going to school part time in XX/XX/XXXX. At that moment, Nelnet decided to put my loan payments in deferment. They did this without my consent and only attempted to contact me through their messaging system. I noticed and began repaying these loans in XX/XX/XXXX, but I had allowed 7 months of extra interest accrue. In XX/XX/XXXX, my total loan amount was {$32000.00}, by XX/XX/XXXX it had grown to XXXX due to the interest on my loans. If I had continued on my regularly scheduled payment plan by XX/XX/XXXX my balance should have been around {$30000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Credit determination

Complaint: I have been working really hard over the last 2 to 3 years paying down my credit cards. I have made all my payments on time, I have paid extra and sometimes XXXX to pay off my credit card debt. I have not purchased any cars, used additional credit NOTHING .... Just paying down my debt. working hard. My credit card account had a balance of {$24000.00} I paid it down to {$17000.00}. I had it down to 71 %. Now they lowered my credit limit to {$17000.00} now I am at 97.3 %. My credit scored just plummeted for working hard!!!!!!!! ... My other account was at {$10000.00} and I paid it down to {$5800.00}. I had it to 58.8 % they just lowered my credit to {$6200.00} now I am at 94.9 %. Zapped my credit score just fell through the floor again. I could understand if I was not paying my bills. If I was running up credit cards, if I took out a bunch of loans. But I have not done any of these. I am a hard working, mother of XXXX who pulled through the tough times and trying to build up my credit because we all know, everything we want or need is built on Credit in this wonderful US of A. We live in a small house and was saving up to make a bigger home for my kids and CHASE just took everything away because someone is sitting there hitting buttons without anything else better to do. ITS NOT FAIR!!!!!! Obama had them add all those disclosures to the cards to help people learn about credit card debt and help them get out of debt. I could have filed bankruptcy a long time ago, just like the banks, instead I continued to pay all of bills and now have been paying extra and CHASE just XXXX me and my whole family. I will pay off the rest of this debt no matter what, but I will find a way to remove everything I have from Chase. And I mean everything. I can not believe they rule mine and my childrens future when I have worked so hard. Read my credit report. No LATE PAYS 5 Years plus!!!!! No Cancellations!!!! No Bankruptcies!!!!!. More than Minimum always paid!!! And this is what I get. My Credit score has now dropped from a XXXX to XXXX .... OVERNIGHT. NOT FAIR!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Debt collection (I do not know) with Nelson, Watson & Associates, LLC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call a XXXX times a day. On my cell phone. They never leave a message. The few times I have answered, there is nobody on the other end and the call disconnects. I 've found out through looking up XXXX XXXX ( from my caller id ), that they are some sort of debt collection agency. I 've also learned that they are rude and threatening. I have no way to stop these calls. I put the numbers in my reject call list but they always call from a different number. I ca n't get in touch with them, but they are calling and calling. I 've received no mailings from them and I just want the calls to stop.

Company response to consumer: Untimely response
Consumer complaint received 06-10-2017 about Debt collection (Other debt) with Credit Management Control, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This debt was placed on my credit out of nowhere one day. I submitted a complaint about it being connected with identity theft, they told me it would not be acknowledged until I sent the proper paperwork. I sent them a copy of the old police report request as well as a new request which shows the apartment this electric account is connected to resulted from identity theft. They still have not removed this account even after receipt of necessary paperwork from the detective that worked my case. By law if identity theft is involved and recorded they have to remove it after receipt of proper paperwork.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit card () with SYNCHRONY FINANCIAL (MN).
Issue: Delinquent account

Complaint: In XX/XX/2011 I had a Synchronicity Bank / XXXX. I had used the card and been making payments on auto-pay from my checking account monthly. Suddenly for no reason that Sync Bank could explain, they began reporting my account as delinquent. They failed to inform me in any fashion that I had late payments ( according to them XXXX on the account. I contacted them and was alarmed to find out that they had been reporting that I was late on payments ( again, from checking auto-pay ). I immediately paid off the card. The bank asked if I would like to keep the account open and I informed them no since they had made such a mess of things. They informed me that they would close the account as I had requested. 4 years later, I had my credit pulled for financing and was informed that I was being declined for financing because Synchronicity Bank XXXX XXXX had reported the account to all three credit bureaus as a " Charge-Off '' that was transferred to another lender ( which is false as I had paid it off directly to the bank and had requested the account to be closed ). I contacted Synchronicity Bank / XXXX by telephone and requested information about the situation. They informed me that they had no information on what had happened, but that what they reported was correct. I disputed the erroneous information with XXXX, XXXX and XXXX. The disputes came back as verified from Synchronicity Bank / XXXX This incorrect and false information is costing me lending opportunities and is causing me undue hardship. I find the company failing to provide me with information on the issue unconscionable and believe it to be done with malice and as a violation of my rights. I appreciate your help in getting this incorrect information deleted from my credit report and removing this undue hardship that their negligent actions have caused 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 06/22/2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (TX).
Issue: Problems caused by my funds being low

Complaint: I have been with my bank for awhile and I have been charged XXXX dollars for over draft fees. I know I have an option to keep this service but I think the charges are getting out of hand.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/26/2017 about Debt collection (Payday loan debt) with Check Fraud Services (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: A XXXX XXXX called between XXXX XXXX on Tuesday of XX/XX/XXXX. She said I have 3 counts against me and that I will need the amount of {$6000.00} for bond or spend time in jail until my court hearing and if ca n't pay spend up to 2 years in prison. 
The three counts are 1. intent to defraud, 2. thief of use weapon or something like that, 3. larceny by check. 
The company name is XXXX XXXX, check was supposedly written back in XX/XX/XXXX for the amount of {$350.00}.

Company response to consumer: Untimely response
Consumer complaint received 03/21/2017 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (IL).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred from XXXX to PNC in mid XXXX, 2016. I made my XXXX, XXXX and XXXX payment to PNC without any problems. My mortgage payment to PNC on XXXX XXXX, 2016 was charted as NSF on XXXX XXXX, 2016. When I called PNC to inquire about why I owed XXXX payments in XXXX and proved that my bank had successfully paid the XXXX payment, an investigation was open. The conclusion came and PNC stated that the money had been requested by XXXX and they paid XXXX money in a lump sum ( from multiple payees ) through a wire transfer to a specific person. They could not provide information as to why the money was requested and suggested I contact XXXX. I did and they opened an investigation and can not verify why the money was requested and stated that PNC should know the reason if they sent the money. I have been back and forth with both companies since XXXX. For the months of XXXX, XXXX, and XXXX, a woman who worked at PNC, a team leader, allowed me to make payments one month at a time until this was resolved since there is a supposed missing payment. This month I have been unsuccessful in contacting her and have been transferred from person to person with no resolution. I have asked repeatedly if I can make my XXXX payment, but PNC will not take " partial payment '' and state that I need to make XXXX payments. I would like to be informed as to why this money was transferred to a third party company three months after my mortgage was transferred to PNC. If I do not owe the payment in question, I would like this cleared from my record. If I do owe it, I want to be informed as to why before making a payment. It seems for the past three months no one has resolved the issue. It is only creating time lost on my end making the phone calls repeatedly over and over again. Also, when I am successful making a payment at PNC they charge a XXXX service fee for not having an account with them. I am not sure why this is allowed since I did not ask for PNC to hold my mortgage, rather it was transferred to them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Mortgage (Other type of mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: Loan was with XXXX XXXX XXXX transferred to Nationstar now Mr Cooper, have letter dated XXXX-XXXX-12 for balance reduction before transferred while with XXXX XXXX XXXX, have sent letter so many times showing proof!

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had a problem with XXXX XXXX which i paid them on time i have a proof of the cashed check by them they kept telling me they never received my payment and then finally my bank advised me to stop payment on this check and reissue them another check to solve the issue we did and then we though the problem is taking care of I closed my account with XXXX XXXX as well. but XXXX XXXX went a head and report me late on my payment for more than 90 days I learned about that when I was applying for a loan and my Loan was declined I tried to contact Experian they have no one to answer their phone it is an automated service and there is no person to talk to I tried to log to their website to dispute this wrong information I got a message I can not do that on Line I need to speak with them again I tried the number one more time during business hours I was not able to get a hold of any one. Now Exerian allowed XXXX XXXX to report the wrong information about me without no proof and they are providing this information to any lender who check my credit report and they are not giving me a chance to correct that error with them attached is the respond i got when i was trying to dispute the error plus a copy of the paid check to XXXX XXXX back and front to confirm they cashed it Thanks.

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 12-10-2015 about Mortgage (Conventional fixed mortgage) with American Financial Resources, Inc. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have an escrow account with my mortgage. The mortgage servicer, American Financial Resources , Inc has failed to pay my property taxes from the escrow account. I sent them a note including a copy of the property tax bill more than a month ago. The never responded. I followed up with the same information again a week ago. They never responded. I called today and they claim that they are escalating the problem and that the taxes are going to be paid, but are now delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: re : XXXX XXXX XXXX Experian CR. 

In XX/XX/XXXX, I requested Experian remove a FIVE year Old public record for a WITHDRAWN/DISMISSED Due to Error Bankruptcy filing done by mistake due to Error AFTER THE XXXX XXXX XXXX XXXX agreed with all CRAs, including Experian, to remove ALL public records that did NOT have all FOUR data points attached to them. 

The other CRAs ( XXXX, XXXX, XXXX, XXXX ) ALL removed the item : XX/XX/XXXX Ch.XXXX filing case # XXXX filed XX/XX/XXXX. 

XXXX XXXX XXXX XXXX. ( XXXX ) reports that as of XX/XX/XXXX, all CRAs agreed to no longer maintain public records without ; 1. all four Data Points : correct name, address, SSN, Date of Birth.

2. that are published victims of ID Theft. ( this BK is ID Theft victim ) 3. That are over FIVE years old 4. That have been dismissed/withdrawn due to ERROR. 
5. CRAs must update all public records every 90 days. not done.

6. in XX/XX/XXXX Experian wrote to CFPB complaint # XXXX that Data Furnisher agreed to vacate this Public Record,  but, Experian failed to update this file. 
7. Maintaining ID theft Victims dismissed BK public record is FCRA & ID theft law violation against Experian. All other CRAs removed it!

8. FCRA prohibits publication of records " filed in Error '' like BK case 9. All dismissed legal actions filed in Error are to be updated and removed from Public Record BY CRAs every 90 days!!!! 
10. Experian has pled guilty in many related court actions to violating the FCRA & XXXX regulations for these 9 reasons and should not be repeatedly violating the law!

MY BK filing was withdrawn by the BK Judge a week after the filing due to ERROR. IT is in the case file at BK court in  XXXX NY and it was sent to XXXX XXXX, analyst for Experian, but, she ignored it. 
My BK public record DOES NOT have my correct address since I was evicted XX/XX/XXXX from my home due to this ID theft action by the the bank. MY SSN and my Date of Birth are not on the court order either.

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 02-07-2018 about Debt collection (Other debt) with RGS Financial, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/2018 I sent RGS a letter, via certified mail, asking them to validate an alleged debt that was on my credit report. I dont recall ever having XXXX XXXX. In my request I asked them to provide the agreement with their client that authorized them to collect on alleged debt, an agreement that bears signature of the alleged debtor wherein he promises to pay the creditor, and complete payment history on this account so the amount owed could be verified as correct. RGS failed to supply me with any of the information I asked for and only sent me two statements.This is a negative remark on my credit report that I am reaping the consequences for and its not properly validated to prove that it is mine

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AllianceOne Recievables Management (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Paid off ALLIANCEONE account still showing up as open

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Our mortgage is with Freedom Mtg & a few months ago, they contacted us asking us to refinance. After some convincing, we agreed as they would be paying all closing costs and lowering our monthly payment. We were told by their agents, XXXX and XXXX, not to make our XXXX payment as it would just be refunded. I asked several times if they were sure we should not make the XXXX payment and was reassured that we should not as long as we closed before XXXX. The closing was XXXX. I cancelled the already scheduled payment. On XXXX XXXX, we began getting delinquency calls from Freedom. Each time I would explain they asked us not to make a payment, gave their disbursement date, got the run around, they said it was automated and would probably happen again and there was nothing they could do. It happened many more times, sometimes twice a day. We were never delinquent in our loan and only cancelled the payment at their request. We also got delinquency letters and statements. I called again with the same response, it is automated, nothing they can do, each department blaming the other ( refi and mortgage ). Spoke to XXXX weeks ago, asked him to look into it and have it stopped, he promised he would get back to me but never did. They sent escrow refund dated XXXX XXXX for {$310.00}. They sent another delinquency notice dated XXXX XXXX saying we were 48 days delinquent, but zero owed. See statement attached, see XXXX page for delinquency notice. It is abhorrent that they are unable to figure out how to make their left hand speak to the right. If you are refunding me for the same account, why are you accusing me of delinquency? I spoke to them again, they said it should not have happened but can not say why it did, or how they will fix it. For a month and a half, we have been getting these calls and letters accusing us of being delinquent. We do not pay our bills late. The only time we had an issue with late bills was when we bought the new house and there were mail delivery problems because the neighborhood was so new. To repeatedly be accused, for such a protracted time, is harassment and it needs to stop. This should not be happening to any customer refinancing, much less a customer they asked to refi with them and told not to make the payment. If we were actually delinquent, I would not have a problem with the contact because it would be my own fault. However, this is rising to the level of absurdity.

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 06/22/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: The lender of my paid off mortgage, Ditech, has failed to return my escrow funds. The load was paid on XXXX XXXX, 2016 and I have yet to receive the funds. I have contacted the lender multiple times and have been told several different stories regarding the escrow funds. Basically, they tell me " check 's in the mail '', but I have never received it, although I did receive the final escrow analysis indicating that funds were due to be returned.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation