milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-03-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am in repayment on federal student loans administered through FedLoan Servicing. I have been on the Income Based Repayment program, which requires annual re-certification. I apparently missed notice of the deadline to re-certify which I just discovered had been sent to my " paperless inbox '' in XXXX, at the same time I am typically informed that I may download data for taxes ( note : when a message is sent to " paperless inbox '', fedloan does not email you notice as to the contents of said message ). The deadline for IDR re-certification was apparently within 10 days of XXXX XXXX, XXXX. I submitted application to re-certify XXXX XXXX upon logging into my FedLoan account and discovering my monthly payment increased from {$520.00} to {$1800.00}. Today XXXX XXXX XXXX, XXXX ) I logged into my FedLoan account again and saw my principal rose from XXXX {$170000.00} to XXXX {$180000.00}. Essentially, I am penalized {$18000.00} for failing to submit an application upon dubious notice. Furthermore, as long as my application is pending, my monthly payments are now approximately {$1900.00} ( from {$520.00} while on IBR ). The only relief I have is a forbearance, which would result in even more interest being capitalized ( i.e. principal increasing further ). I graduated law school in XXXX XXXX with approximately {$170000.00} in debt. Since XXXX, I have made all of my payments as due, yet my principal was on XXXX XXXX, XXXX was {$170000.00} ( I have had XXXX previous forbearances due to my loan service providers twice failing to include my spouse 's debt in calculation of my IDR eligibility, which were later resolved, but resulted in interest capitalized ) and now on XXXX XXXX, XXXX, my principal is {$180000.00}. This is unduly burdensome and may result in financial hardship in the future, including but not limited to, increased payments and interest, increased life of repayment, increased tax consequences should balance be forgiven, and increased debt to income ratio, resulting in inability to obtain personal financing.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: On XX/XX/XXXX, I purchased a Samsung Smart TV from Best Buy, with a Best Buy credit card, for {$2100.00}, 24 mos interest free financing. Regular monthly payments were automatically deducted from my XXXX checking account. I had paid {$1200.00} when I first became aware, in the XXXX, that Citibank was charging me interest from XX/XX/XXXX, retroactive to the date of purchase, XX/XX/XXXX!! I was not receiving paper statements from BestBuy or Citibank and was n't opening any email communications because payments were being made automatically. 
My phone & mail attempts to settle w/Best Buy were to no avail. On XX/XX/XXXX, I nevertheless paid by phone an additional {$1200.00}, so I have now paid {$2400.00} ; but according to Best Buy I still owe {$1800.00}. 
In XX/XX/XXXX, I filed a complaint with the XXXX Dept of Consumer Affairs ( Case No XXXX ). Not until XX/XX/XXXX was I notified that Consumer Affairs does n't handle complaints against financial institutions ( i.e., Citibank )!! 
I believe BestBuy 's policy is unfair & usurious, designed to take advantage of unwitting customers. I recall reading in the XXXX that other complaints and perhaps a class action suit has been brought against electronic companies for these kinds of practices. A copy of the Best Buy receipt is attached. XXXX Consumer Affairs recommended that Id submit complaints to the FTC ( which I did, but it turns out FTC does not handle individual complaints! ) Thank you for your assistance.

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 12-12-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Caliber Home Loans, Inc. (NJ).
Issue: Trouble during payment process

Complaint: I 'm currently in chapter XXXX bankruptcy. My mortgage was serviced by XXXX  Transferred to Caliber Home loans.On XX/XX/XXXX I received a notice from XXXX that I missed 16 mortgage payments for my first mortgage.I called and spoke with a customer service and he explained to me my payments for the first mortgage we 're incorrectly applied to the second and they would transfer the payments back to the first and all would be current. Three years later at the end of my Bankruptcy Caliber home loans my new servicer answered the final cure payment stating that I 'm not current on my mortgage and I 'm {$16000.00} behind on payments. I called explained to Caliber on two occasions and in a email for payment history from XX/XX/XXXX until XX/XX/XXXX and was told they could n't provide that for me.I also emailed them which they answered and once again in a email stated they could n't provide info for me to call them.I proceeded to call them and they stated for me to ask my trustee for any info owed I explained in detail that 's not what I 'm requesting I need the info for the Second mortgage and they refused.My lawyer also asked their lawyer and they stated they could n't get me the info requested.This is why I 'm looking for information by submitting this form.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from DIVERSIFIED CONSULTANT I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against DIVERSIFIED CONSULTANT in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Debt collection (I do not know) with ROC Asset Solutions, LLC (NV).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I received a voicemail message ( on my private cell phone ) on XXXX XXXX, XXXX. A woman named " XXXX XXXX '' said to call back the number XXXX XXXX XXXX XXXX. On the voicemail she claimed to be looking for a relative of mine allegedly over a summons they wanted to serve. The message told me to call back an " XXXX XXXX '' and gave me a reference number. " XXXX '' was out for the day. However, the man I spoke to did not say their company name when answering. They could not provide their company name, nor a business address, nor could they tell me if they were a debt collector etc. 

Based on other Internet postings, this is a Scam alert. Other people have reported this number. If they were a debt collector they would say their company name. I blocked that number and have digital security protection, and I advise others to do the same. Again, ( XXXX ) XXXX should be looked into, flagged, and reported to authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (CO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Complaint : XXXXI am rejecting this response because : I have sent a new response via mail to this business. 
The " photos '' do not show the driver of the vehicle as requested in the original request for validation. 
The photo of " Time and Date '' are only clearly legible in XXXX photo. The photo is too small to show any such validation. 
Neither photo shows a location or mile maker of where the car was located on " XXXX XXXX ''. 

The original letters very clearly stated to ONLY contact me AGAIN with the Validiation as REQUESTED which was 1 ) A photo of the driver of the vehicle- which was NOT sent 2 ) A photo with the vehicle located on " XXXX XXXX '' - which was NOT sent My cease and desist was VERY CLEAR- if you could n't provide the validation as REQUESTED then DO NOT CONTACT ME. You absolutely denied my cease and desist request by sending " documentation '' that I DID NOT request. You only sent what you " wanted '' to believe is " validation '' to continue to " pursue '' a debt that has yet to be properly " validated '' Additionally- I never received a bill from XXXX XXXX which appears to be a " known issue '' in consumer reports and ripoff complaints. Sending a piece of paper does n't prove they were actually put in the mail or that I actually received them. There is no way to justify an {$80.00} bill for " claiming '' that someone had traveled on a XXXX XXXX twice. 

" XXXX XXXX '' has been under scrutiny several times and I will NOT partake in the scam. They are known to send people to collections before sending bills and then by the time people are " notified '' theres added " collections fees '' and " attorney 's fees '' and then blame it on " computers '' or people " moving and not updating addresses. '' Well I 've been at the same address for 7 years ... so explain that XXXX. Their cameras are " high tech '' yet their " computers '' XXXX up XXXX of bills ... read the XXXX reviews on XXXX OR the following articles XXXX I can see why " XXXX XXXX '' wants to collect as much as they can and rack on fees when they are {$450.00} XXXX dollars in DEBT XXXX Since the " attorney 's '' at XXXX XXXX and XXXX may be able to read a cease and desist request- they severely lacked the comprehension to understand the request ... and they proceeded to send me " information '' I did NOT request after receiving a cease and desist demand ... 

I 'm tired of being harassed. 
I can provide documentation of my letters requesting the Cease and Desist if my validation documents COULD NOT be sent as requested. 



Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I was involved in a real estate investment over 10 years ago. I lost XXXX property to a foreclosure. There was a 1st and 2nd mortgage on that property. The 1st was taken care of in the foreclosure and the 2nd was sold off to numerous companies. I hired an attorney years ago to try to take care of this account. We continued to ask for proof of the loan which they could never produce. It has now been reporting as a 180 late mortgage only on Experian. We have disputed this numerous times and asking for proof of the loan. The company is XXXX XXXX XXXX. They have not provided any documented proof and now say they have sold the loan and do not have any information. Their response to Experian continues to be they are reporting accurately. Experian has told us they do not need to give written proof. My understanding under the FCRA is : The credit reporting company and the creditors should investigate the dispute or fix any mistake. If the disputed info is wrong or can not be verified, the creditor must delete or change it and provide a correction to the credit reporting company that received the disputed information. 
We are unable to refinance due to this continuing to report an 180 day late mortgage payment. I will attach Experian credit reports. 
Thank you for your assistance!

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 01/31/2018 about Debt collection (Other debt) with Resurgent Capital Services L.P. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.I am a victim of identity theft and noticed a collection from XXXX XXXX. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against XXXX XXXX in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I contacted Experian Via Certified mail XXXX, Rec 'd on XX/XX/XXXX. I had requested a copy of the verification from Experian for the Chapter XXXX Bankruptcy ( # XXXX ). I contacted the US Bankruptcy court and was informed that they do n't deal with credit reporting agencies. That they have there own sources to place inquries on my consumer report. I have placed Security Freeze back on XX/XX/XXXX, XXXX, XXXX, XXXX And XXXX so I am not understanding how Experian was able to verified Bankruptcy, so I have a freeze on 3rd party consumer. I demand that the Bankruptcy be removed from my file due to lack of verification and inaccurate reporting of verification date. I have not receive the documentation shown proof of verification. Because third party consumer do n't disclose information on accounts with a security Free place on them. 
Also on XXXX inaccurate social security number was place on my report : ( XXXX ) Does not belong 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 01/27/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Collection Accounts identified as ( XXXX ) on my Equifax Credit Report Account # XXXX Account # XXXX Account # XXXX Account # XXXX Appears on my credit report, however, the alleged original creditor FAILED to process my insurance credentials correctly therefore adding them to my credit report lowering my credit score and causing me hardship and Refusing to removing these accounts. Additionally, I asked Equifax to delete this accounts from my report as I was covered by insurance ( XXXX ) at the Date Of Service and I am covered by the same insurance as todays date. I never received a bill or notice of delinquency and I also spoke with my insurance company to verify they would be resubmitted and paid due to creditor 's error. I have previously asked for removal of the disputed item, and yet the Collection Accounts is still reporting delinquent and late. Since both the creditor and debt collection agency are aware of the error on their part, Equifax needs to permanently delete this item as FCRA does NOT allow for inaccurate items to remain on consumer credit reports. 
Additionally Equifax was notified that these additional accounts were inaccurate and they were previously disputed and Equifax was asked to send myself copies of the documents verifying the accuracy of said accounts and if they were not able to immediately delete them instead they continue to report inaccurate information further damaging my credit. As per the -- FCRA does NOT allow for unverified items to remain on consumer credit reports. Accounts in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There has been a fraud alert placed on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I pulled my credit and I have so many account errors. The accounts I have no knowledge of and have no knowledge of the debt. I sent in letters to the creditors and contacted them as well to let them know that this was n't my debt and also to ask them to remove them. I asked if they could send me the original paperwork because I know it is illegal for these companies to report these accounts on my credit report if they know it is n't my debt and I did n't sign for these accounts. I hope to resolve this so I do n't have to take legal action. The accounts are not mine nor is the debt. I have no knowledge of this debt.  XXXX   XXXX   XXXX  and  XXXX  is liste d 4 separ ate times and none of the accounts are mine.  XXXX   XXXX   XXXX  is also listed. This is not my debt and I have no knowledge of it.  XXXX   XXXX  is listed, this is not my debt and I have no knowledge of it.  XXXX   XXXX   XXXX  is listed. I have no debt with this company and have no knowledge of it.  XXXX   XXXX  is listed and I have knowledge of this debt. It does not belong to me. I have reached out to these companies asking for help. there is no balance on the accounts but they will not remove them from my Reports. I have told these debtors that this is n't my debt and that they should work with me to remove them but they wo n't. Please help me in resolving this issue as I only want my name cleared of debt that I had nothing to do with obtaining. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Debt collection (Other debt) with Rauch-Milliken International, Inc. (LA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: The office of XXXX XXXX has been contacting me over the past 3 months first claiming they were ready to go to court over a debt with the real yellow pages from XXXX after asking them to produce documentation of this debt they sent a unsigned contract with no history of payment or signatures to verify this debt XXXX XXXX was not the originators of this supposed contract and can not produce proper evidence of any contract being entered into I have explained my mental and physical issues with them and have requested they stop contacting me over this obvious scam for the amount of {$540.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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: According to Experian and  XXXX , I have an account with a collections company named  XXXX   XXXX   XXXX . I have requested validation from  XXXX   XXXX  since  XXXX  of  2015  with no response or validation that I owe a debt, so I sent  two  certified letters to both Experian and  XXXX  in  XXXX     2015  and not only have they never responded back to me, but they never verified the debt that they alleged that I owe. Also, the collection has been removed 5 times on both credit files and were put back within 5 days with no notice sent to me as to why -- -that is a violation and subject to fines according to the FDCPA. If the alleged collection account can not be validated as mine showing that I had a contractual signed agreement to pay  XXXX   XXXX   XXXX  then it needs to be removed off my reports permanently.

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 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Currently having public records being reported to all three credit bureaus incorrectly ; was made aware that effective XXXX XXXX, XXXX all public records that are not being reported accurately will be removed which has not happened for me. I have Tax Liens and Bankruptcies that are not being reported correctly that have not been removed.

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 01-08-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: During XXXX, 2015, I placed a fraudulent alert on my credit report against my Social Security Number. After three four months I requested Experian and XXXX to please remove Fraud alert against my SSN so that I may get credit card, mortgage loan and some other financial products but these credit bureaus are not responding to my request and turning a deaf ear to my question. I also submitted them my written request for removing fraud alert my my effort remains futile. Now I hereby request you to please persuade all XXXX credit bureaus for removing fraud alert against my SSN on my credit report and kindly keep me informed in this regard as I have to raise my kids, and want to take care of their financial needs. Matter may be considered on urgent basis please. If you want postal authorities receipts of my mail that can be provided on demand.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2016 about Student loan (Non-federal student loan) with Social Finance, Inc. (TX).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: SoFi advertises student loan refinance rates as low as 2.23 %, however they tried to sell me on a loan that 's over 5 %. If I do n't qualify, no one does. 
Credit score : high XXXX. XXXX missed payments on record. 
Household income : XXXX Debt ratio : 23 % ( including housing ) Debt ratio : 15 % ( excluding housing )

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Application, originator, mortgage broker

Complaint: After submitting a mortgage application 1 month ago, Bank of America has not sent us the new Loan Disclosure form. BofA, when asked, said they were not aware that a Loan Disclosure form was a requirement.

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 12/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is not my account. I am on my parents account for cell phone service.

Company response to consumer: Closed with non-monetary relief