milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-10-2017 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (PA).
Issue: Getting a loan
Sub-issue: Qualify for a better loan than offered

Complaint: I was accepted into XXXX University XXXX XXXX XXXX XXXX program in XX/XX/XXXX. I successfully completed the program, however decided not to attend and instead apply to XXXX. I chose this route after learning that the facts that XXXX promoted about their graduates obtaining American XXXX were not true, and I did not want to jeopardize my future career. In order to pay for my tuition I had to take out a private loan. I applied for a XXXX XXXX XXXX loan which I was approved for, however when I informed the registrar department about my loan servicer, they encouraged me to instead take out a loan with XXXX student loans. They informed me that they had a very good relationship with this loan provider and how they disperse funds very expedient. They also told me that if my XXXX loan does not get dispersed before the end of the week, they will drop me from my classes. Out of fear of losing my spot in the program I did apply for the XXXX loan. XXXX filed for bankruptcy and I received no paperwork about my loans for years ; not until I graduated from XXXX school in XX/XX/XXXX I received correspondence. At that point my student loan had doubled in amount due to the high interest rates. However, this loan has exponentially increased compared to my other student loans. I feel like i was coerced by the registrar department at XXXX to take out this loan which is now 3x the amount. If I had gone with my original loan servicer, my balance would not be as high. I am still in XXXX and my loans are in deferment for atleast another 2 years. From investigating I have also learnt that XXXX now offers a money back guarantee for their XXXX program. I was looking for some guidance on what to do in a situation like this.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following credit inquiry on my XXXX XXXX, XXXX and Experian credit report is fraudulent, unauthorized and not mine : XXXX XXXX XXXX, XX/XX/18. The following address dont belong to me : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX. The following phone number is not mine no more : 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 05/14/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: This XXXX XXXX account was paid in full via garnishment still reporting to the credit Bureau as a balnced owed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Mortgage (Conventional home mortgage) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Trouble during payment process

Complaint: I am 47 days late on my mortgage t o Capital One N.A. Th e payment is {$2200.00} per month. I just received a letter from them threatening me with foreclosure. They state I must send them {$6600.00} CERTIFIED FUNDS. ONLY THE TOTAL AMOUNT DUE WILL BE ACCEPTED. The month of  XXXX  is still 14 days away. What gives them the right to force me to pay  XXXX ,  XXXX  and  XXXX  at this time? What gives them the right to not accept my  XXXX  payment at this time?

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit card or prepaid card (General-purpose prepaid card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint: Dear Expert Researchers in these kinds of cases, and how harmful it is for a person who is struggling, struggling, to keep his credit score at XXXX. points .... BUT CAPITAL ONE COMES REALIZANDOMEPROMISES AFTER PROMISES, TO APPLY GARANTIZANDOME A CARD, WHEN I DID IT, GAVE ME 3 GREEN CHECK MARK AS PASS. ( APPROVED ) .. THEN I GET A LETTER THAT I FEEL SO MUCH,  AND THAT LITERATURE CLASSES THAT DISANIME ANYONE AND DOUBT THE REPUTATION WITH ME 3 BUREAU. XXXX, XXXX XXXX INCITING, TO APPLY THAT I HAVE A CODE AND NUMBER THAT GUARANTEE MY APPROVAL. BUT THE TRICK IS THAT THEY DO IT FOR THE PERSON TO APPLY AND REDUCE IT XXXX POINTS, OR MORE EVERY TIME IT APPLIES. I ASK CFPB INVESTIGATORS AND HELP ME TO RECOVER MY POINTS IN MY 3 BUREAU XXXX, XXXX, AND XXXX..TX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2016 about Debt collection (Payday loan) with Oracle Financial Group LLC. (OH).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: XXXX XXXX sold my payday loan to Oracle Financial. Oracle Financial used some illegal practices, first by claiming that Money Key had sued me for fraud ( they had not ), then trying to parlay the alleged Federal fraud suit to either collect the original total debt of about {$400.00} TODAY, or I could hire a lawyer and take my chances in Federal court and being stuck with a suspended drivers license, prison, property seizure, and/or garnished wages totaling {$1200.00}. The person I talked to in calling them back was especially aggressive with all this, and I hung up on him. I then called XXXX XXXX, which finally got me to an XXXX number for Oracle ( I assume that the first guy was also Oracle -- -they are XXXX in XXXX ). The first person I got in calling their XXXX number ( XXXX XXXX XXXX ) was helpful, but then I was transferred to others, where there was an attempt to say that I was someone named XXXX ( I am not ) and that I was in Texas ( I am not ). They also got huffy when I would not give them an alternate phone number such as my work number. Overall, Oracle was being extremely aggressive and appeared to not be terribly well organized. I hope I have not been scammed, and they really will properly collect the now-arranged for payments ( to be done in mid- and late XXXX ) and then leave me alone, ideally with a mailed receipt reflecting the discharged debt. I have put my bank on alert in case Oracle tries to make a collection in the next few days, which has not been authorized.

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 10/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I purchased a XXXX from XXXX XXXX, in Florida, on XXXX XXXX  2017. I informed them I would finance it through XXXX. I specifically called XXXX to remove a freeze so XXXX could do a credit inquiry. I subsequently noticed XXXX credit inquiries, XXXX for XXXX and XXXX for XXXX XXXX. Also, Transunion shows an inquiry for XXXX and XXXX  for XXXX XXXX.
I called XXXX XXXX to inquire as to why there was a credit inquiry from XXXX XXXX when I told them I 'd finance through XXXX. I was promised a return call. I waited a week and tried again. Same result. I submitted a " talk to the XXXX '' to XXXX XXXX  management through their website, which promised a response within a day. No reply. I tried again, no reply. I called again, now in XX/XX/XXXX, and spoke to the finance manager, and she said she could n't help since it was more than 30 days. I requested the issue be brought to the attention of her management and she reluctantly agreed. I still have not heard anything and it has been 6 weeks since that discussion.
I did not request, nor authorize financing or inquiries from XXXX XXXX and would like that inquiry removed. I also dont fully understand why XXXX needs to do XXXX credit inquiries for 1 sale.

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 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: I have disputed an account for XXXX XXXX XXXX several times now with Equifax and have not had a resolution as of yet. First I must say that the account is not mine and no one has validated this for me if for any reason I do owe on this account. Second this account has been removed several times from my credit report and reinserted without my knowledge which violates the FCRA Part ( A ) ( 5 ) ( B ) ( ii ), the dates are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Also not to mention, I feel that they are also attempting to reage this account by continuing to change the amount owed from {$1100.00} to {$1100.00}, these amount has been changed several times, this violates FCRA Section 605 ( c ).
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The same goes for the 2 accounts for XXXX, one for {$3000.00} and {$500.00}, I have submitted numerous times the court order from the XXXX XXXX XXXX XXXX stating that I only owe {$1100.00} plus {$74.00} but this account remains on my credit report, which violates FCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals for the XXXX XXXX Court Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( D.C. XXXX XXXX  ). I have also noticed that this account has been removed several times and reinserted without my knowledge which again violates the FCRA Part ( A ) ( 5 ) ( B ) ( ii ), the dates are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I currently have an open dispute with Equifax and fear that I will still have no resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Problem with fraud alerts or security freezes

Complaint: I am trying to freeze my credit file with TransUnion in order to protect my identity because TransUnion and other credit reporting agencies can not be trusted to keep my information secure. While attempting to freeze my account with TransUnion I am repeatedly, both over the phone and on their website, told I am required to pay {$5.00} to freeze my credit file. This is in direct violation of Colorado State Law and TransUnion knows this is the case, as they display the information on the following website. 

https : //www.transunion.com/XXXX For the record, I have never wanted TransUnion or any other credit reporting agency to control and exploit my personal and financial information for their own personal gain. I think it is absolutely ridiculous that these companies are able to leverage my information for their personal gain and are not even required to protect the data I do n't want them to have in the first place.

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 09-03-2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: As a result of the problems that I have encountered with Wells Fargo keeping my student loan in deferment status annually as I have been enrolled in school full-time the past 2 years, which had been resolved only after filing a CFPB complaint each year, I submitted the request for deferment a few weeks earlier this year, with the expectation that my Wells Fargo deferment would finally be processed in-time to avoid being placed in repayment status and, consequently, to avoid having to file a CFPB complaint this year. Instead, Wells Fargo sent a letter on XXXX XXXX, 2017, stating, " We are unable to hold your request for forbearance longer than 45 days, '' and asking that the entire request be re-submitted " closer to your payment due date. '' Fifteen days later, Wells Fargo sent a notification in the mail stating that my account will enter re-payment status soon. I subsequently re-submitted my request through my school to comply with Wells Fargo 's request to re-submit the entire application all over again, but have not received any notification from Wells Fargo as of today.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Consumer Loan (Vehicle loan) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Problems when you are unable to pay

Complaint: My vehicle was claimed as exempt in my ch XXXX bankruptcy. 
{$0.00} I have a no asset case. 
Portfolio recovery agency who is NOT the leinholder repossed my vehicle and requires {$26000.00} to buy my vehicle back. ( sidenote : this is more the purchase cost of the vehicle I bought in XXXX ) ( I filed ch XXXX in XXXX and converted to ch XXXX XXXX XXXX ) I am disputing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My husband and I are in the middle of an FHA Short Sale for the property located at XXXX XXXX XXXX. XXXX, GA XXXX. FHA /Investor requirement to be late on our mortgage to get FHA short sale approval. Supporting documents are uploaded. Please examine, audit or re-evaluate credit. As you see from the credit report that all creditors shows excellent record- " paid on time never been late. ''

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 09/16/2016 about Consumer Loan (Installment loan) with Resurgent Capital Services L.P. (CA).
Issue: Managing the loan or lease

Complaint: -Note : Original creditor was XXXX. 
Account owner is LVNV funding. 
Account servicer is Resurgent. 

-There is a lien on my car and I do not believe applied for a " title loan '' with CitiFinancial ( the original creditor ), I believe I took out an " uns

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently disputed a collection with Experian that I have absolutely no knowledge of. I have never received any information pertaining to this debt. I am once again disputing this medical debt and collection activity. Experian has verified it as " belonging to me '' ; however, I would like Experian to provide what information they obtained during their investigation to verify this as mine as this account is being unfairly listed on my credit report. The collection is listed below : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have a charge account with  XXXX  Bank. Merchant made an error ordering equipment and wants me to pay for their error. The charge was put on a  XXXX  card. I am now in litigation with the merchant.  XXXX  expects me to pay and is reporting this as an over due account. The charge is still is dispute. They do not understand.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Mortgage (FHA mortgage) with Dovenmuehle Mortgage, Inc. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Submitted application for Loan Modification to Dovenmule mortgage companies loss mitigation department..They have not stopped collections activity even though they have the application package return with all the documents. They sent someone out to my home today with documents to sign. I was not at home and they would not tell the person at the home what it was in regards to. They only stated that I needed to call the mortgage company. This is harassment. They are taking their sweet time process the application.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My name Is XXXX XXXX XXXX today I was informed by my wife that she was in contact with a debt collection company named Portfolio recovery because she requested my credit report and this account appears in my credit report. I was shocked and upset at the fact that they never contacted me to dispute this debt in writing because they are not the only debt collection company who is trying to attempt to collect this debt. Another debt collection company name XXXX is trying to collect the same debt. I believe that Portfolio Recovery has violated the FDCPA, first failing to send me a debt collection notice in the mail to give me the chance to dispute this account, reporting this account to the major credit bureaus without a validation of the debt, improper sharing information with a third party my wife, trying to collect a debt that other debt collector allegedly own. I am filling a complaint with Federal Trade Commission and Attorney General Office as well.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a chapter XXXX bankruptcy XX/XX/XXXX, after missing 1 mortgage payment. I have made up the missed payment through my chapter XXXX repayment plan. 

Since XX/XX/XXXX, Ditech has kept all loan servicing and accounting information ( including payment history, chapter XXXX trustee payments, principal, interest, and escrow information, including escrow analysis and balance ) hidden from me at Ditech.com. 

Ditech sends monthly " informational statements '' to my home address without ANY loan servicing and accounting information ( including payment history, chapter XXXX trustee payments, principal, interest, late fees, and escrow information ). It is basically a blank statement. 

Ditech has removed reporting of my mortgage loan from all of my credit reports. The loan originated XX/XX/XXXX. 

Ditech has incorrectly calculated my XX/XX/XXXX yearly interest payment on my form XXXX at {$2700.00}. I have no way of correcting this because I can not communicate with them nor can I view my accounting of applied payments with principal and interest. 
Ditech has not applied my previous payment XX/XX/XXXX to my account. 

Ditech 's automated phone system will only transfer me to their " make a payment '' option, which then states that that I owe {$6300.00}. If I try to connect to a Ditech representative, I am automatically transferred to another company : XXXX. 

Ditech has sent letters to my bankruptcy attorney, each time stating a different loan representative name and phone number to call if I have questions or need help. Yet when I call the Ditech phone number provided, I am automatically forwarded to another company, XXXX XXXX XXXX. 

I am unable to speak with anyone at Ditech. I have recently fallen behind on my mortgage and am unable to reach anyone at Ditech for assistance or information on the servicing and calculations of my account. 

I will be filing a complaint with my State 's Attorney 's office ( XXXX XXXX ) as well as following the guidelines of RESPA, and contacting XXXX, who is the loan holder of my mortgage. 
I will also file complaint with the FTC. Ditech, formerly Green Tree, should be found in contempt of court for failure to uphold the STIPULATED ORDER FOR PERMANENT INJUNCTION AND MONETARY JUDGMENT filed on XX/XX/XXXX, with the UNITED STATES DISTRICT COURT, DISTRICT OF MINNESOTA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Debt collection (Medical) with Collection Information Bureau, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Bill paid thru health insurance more than 5 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XX/XX/XXXX I refinanced my student loans with the federal gov in order to participate in the Public Service Loan Forgiveness program. Due to incorrect information and a mistake on the part of the person who assisted me I was put into the incorrect payment plan structure ( standard repayment plan ) which I only accidentally caught in XX/XX/XXXX. This denied me 9 months of the loan forgiveness program and cost nearly {$10000.00}. The payments made on the incorrect payment structure are higher than the payments made on the correct plan ( income based repayment ). I have been trying to resolve it ever since but every time it seems someone is going to  help me I never hear from them again. 

Apparently there is an appeal process but noone knows how it works and there is noone to physically speak with by me or the loan officers so there is no way I can tell if they have actually reviewed my materials or not. 

Since this time XXXX XXXX XXXX has made multiple other mistakes on my account, only caught by hypervigilance on my part due to no faith in business practices. Things such as putting my loans in deferment without my permission, Sending me a letter stating I made 154 qualifying payments ( 120 necessary for loan forgiveness ). That one was in my favor so they addressed that immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit card or prepaid card (Store credit card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Contacted representatives of the company via telephone and emails several times in XX/XX/XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane XXXX. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due to XX/XX/XXXX on my credit card accounts.

Company response to consumer: Closed with explanation