milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/24/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I received another response letter in the mail from XXXX XXXX XXXX, Vice President of Loan Operation at PHEAA/Fed Loan Servicing. It is my contention that my account with Fed Loan Servicing was setup incorrectly back in XXXX/XXXX/XXXX with an option called " paid ahead status ''. This option has been removed from my account. This option caused 9 of my Public Service Loan Forgiveness monthly payments to NOT count towards the 120 needed for loan forgiveness. Also, it was a FED LOAN SERVICING employee that told me to make a telephone payment of {$190.00} which was not applied to my account, as the old servicer XXXX had already taken out the {$190.00} that was due in XXXX. The 9 payments that I am disputing were made after Fed Loan Servicing sent me incorrect monthly invoices amounts instead of the amount needed to qualify for PSLF. There is also a delinquency forebarence listed for XXXX/XXXX/XXXX. They sent me an outdated form, then Fed Loan Servicing rep helped me fill out a new form and I faxed it over, I was switched from IBR to Repaye payment plan after checking the wrong box on the new form. 

XXXX XXXX XXXX ( XXXX ) can copy and mail me the same XXXX/XXXX/XXXX letter and it will not change my opinion. The Department of Education is a predatory lender and PHEAA/Fed Loan Servicing is a predatory loan servicer. If my goal was to make 120 qualifying payments why would they setup my account with " paid ahead status '' as an option other than to keep me from making the 120 payments for loan forgiveness. There is nobody that can hold them accountable. I have filled out the CFPB complaint, contacted FSA Feedback Center for an Ombudsman, and contacted my local U.S. Senator 's office to follow my case. The PSLF program is a sham. I have been paying on my loans for 10 years, and I never had a problem with XXXX XXXX or XXXX. My problems happened right from the beginning with PHEAA/Fed Loan Servicing. This is the 3rd CFPB complaint ( see # XXXX and XXXX for further information ) that I have submitted on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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: Well established how opprobriously malignant and MIS-MANAGED these clumsy credit bureaus really are. I went round and round with these derelicts for years and reported this already to you people [ c ] ountless times!!!! I just got a fraud alert from XXXX that is the free XXXX  credit monitoring for XXXX 's sloppy breach 2 years ago. Anyways inept clowns at experian has allowed some malignant collection agency to duplicate the same negative garbage that is ALREADY being reported for the last 2-3 years now?! # Some putrid agency calling themselves second round from XXXX texas self-created a new FRAUDULENT account in my name so it appears as new. THIS is NOT a new account and obviously illegal and punitive. This {$5500.00} is already reporting and now charged off!!! These scumbags think they can be cryptic and blundering probably because they paid inept experian a fee to scam harass and deceive my actual credit report. I told all creditors 3 years ago I was cheated and retaliated against at my last federal job for confronting worthless derelicts, fraud waste abuse still rampant. I did NOT magically ignore my bills. Obviously ran out of money and now live in poverty! I don't care how many conniving collection agencies they send, obviously illegal to self-create a new fraudulent account using a different name using the SAME debt amount?! #

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 10/29/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (PA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: They are attempting a scam. They call me every day 4 times a say about a JCPenny Credit card feom Syncrony Bank. I have never been a customer at a JC Penny. I have told them they have the wrong phone number but do not ask for anyone by name. They have called 4 times a day since XX/XX/XXXX. I want harrassment charges filed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: I signed up for a credit reporting service with TransUnion for a XXXX dollar charge. Later I learned they were charging me {$17.00} a month. I have stopped the charge but they will not refund {$35.00} charged to my credit card account. I did not know there was a recurring charge when I signed up. 

I am a college student and just starting to use a credit card. If TransUnion had disclosed the monthly charge, I would not have signed up. It is not worth it to me. I believe this is unfair and deceptive. 

Will you help get my money back and have TransUnion stop taking advantage of people? 

XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-03-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had a computer breach in their system that violated the rights of their consumers under section 611 5 ( b ) of the Fair Credit Reporting Act. I have been gravely affected and my report is suffering as a result. This computer glitch that caused all of the inquiries on my credit report to be deleted, and my credit score increased. The next week, all of the inquiries were reinserted without prior written notification in violation of Sec. 611 5 ( b ) of the FCRA. I have spoken with multiple reps of Transunion, who acknowledged the security breach occurred several times in XX/XX/2016, but refused to fix their errors on my credit report. I am requesting that the reinserted inquiries be permanently removed from my credit report. I demand the following inquiries be removed immediately : XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, XXXX XX/XX/2016, and XXXX XX/XX/2016

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 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Georgia Student Finance Authority (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: passed 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Struggling to pay mortgage

Complaint: I had a reduction in income I had to file bankruptcy to maintain ownership of my home. I dismissed my bankruptcy and I 've submitted several request for modifications and  XXXX    XXXX   has given me the run around stating they have n't received the documents I 've faxed even though I had faxed the requested documents several times.  XXXX   XXXX  has had my financials and modification request several weeks and now I have a property foreclosure sale date for  XXXX   XXXX ,  XXXX . Also The  Property  Foreclosure sale noticed is dated  XXXX   XXXX . The Tennessee law states the homeowner has to be given  a 30 n otice prior to the property foreclosure sale.  XXXX   XXXX   XXXX  mailed the notice of foreclosure on  XXXX   XXXX ,  XXXX  I did n't receive the notice until  XXXX   XXXX . I did n't get the notice 30 days prior to the sale date as required by the state of Tennessee. I want to keep my house please, please, please help 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 05/22/2016 about Mortgage (FHA mortgage) with U.S. BANCORP (IN).
Issue: Application, originator, mortgage broker

Complaint: I filed for bankruptcy XX/XX/XXXX. I reaffirmed my mortgage through US Bank Home Mortgage and they deleted one of the only good standing accounts I had on my credit report. This is not fair. I 've been paying every month since XX/XX/XXXX which was my first payment. When I called 2 months ago I was told they would investigate but nothing has happened. I want it back on my credit file in good standing as it has always been.

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 04-01-2017 about Consumer Loan (Vehicle loan) with BMW Financial Services NA, LLC (MN).
Issue: Problems when you are unable to pay

Complaint: I am XXXX and can not make car payments and mortgage payments and they are not willing to work with me. XXXX really is legal fraud at its finest. what constitutes the right for them to do this? they are so ashamed of it that the attachments I will forward you were all intentioanlly named the same in XXXX different emails to throw me off like I 'm stupid. bottom line purchased XXXX in XX/XX/2011 $ XXXX have already paid that in interest and fees. I STILL OWE $ XXXX!!! I asked for a refi and they said no so I can not afford it as I am in XXXX and XXXX. I put an ad to sell it and got numerous call for the current XXXX value at $ XXXX. CALLED THEM TO OFFER THAT TO THEM INSTEAD OF A REPO AND THEM GETTING LESS MONEY AT AN AUCTION AND THEY SAID NO! SO THEY HAVE THE RIGHT TO CHARGE $ XXXX FOR $ XXXX THEY ARE WORSE THAN PAYDAY LOANS. LIKE I SAID THEY ARE FRAUD AT ITS FINEST.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Debt collection (Credit card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (AK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had Auto Ins with USAA. I had my monthly payments charged to my USAA credit card, I paid my credit card each month. Last XXXX 2015 I had a double billing. Instead of approximately {$62.00} ( a normal single month ) it was for {$120.00}. I was told they had changed the way their billing was done and the double payment was for the months of XXXX and XXXX 2015. It was a one time double billing. I also have it in writing from XXXX of their Customer Servicer Reps. I paid this double billing on XXXX XXXX, 2015. I sold my car at the end of XXXX 2015 and notified USAA right away and cancelled my insurance. Thus ending any further payments. They continue to bill me for that last " XXXX '' month period. Claiming I never paid it. 

I have offered to send them the cancelled check, I have asked and told them to STOP calling me, they continue to call. No matter what I say to them, so matter how I explain it to them they just do n't get it. I paid them! I told them flat out I do not owe them anything and I will not pay them and to stop calling me. They continue to call me. 

I want this to stop, please! Enough is enough ... ..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Debt collection (Medical) with Holloway Credit Solutions (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: was involved in a accident at work and employer agreed to pay all medical bills. This a bill from the accident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Credit reporting () with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian Credit Bureau has been contacted via email disputes, written and certified receipt to correct specific data reporting inaccurately on my clients personal credit report. The lending agency has verified directly with us that the account is CURRENT and PAID AS AGREED and CLOSED. See attachment. 
EXPERIAN has confirmed the data was finally updated and corrected on my clients credit report as of XX/XX/XXXX. See Attachment. 
As of XX/XX/XXXX XXXX denied credit based on EXPERIANS credit report pulled today and several other creditors over past 60 days. Accurate and current credit reports are not being provided to the lenders. Conflicting Credit Reports are being provided to the Consumer that do not match the data being reported to the lender. In this case, one of the lender 's is XXXX XXXX ID App XXXX. 
The Credit Score I received today for Experian is XXXX ; XXXX XXXX ; XXXX XXXX. The Creditor 's Scores are substantially less and not the same credit file. ( see attached scores ) The willfully negligent information provided by EXPERIAN is in violation of the FAIR CREDIT REPORTING ACT and punishable by fines and punitive damages to my client. We expect inaccurate information highlighted on the attach Credit Report to be provided to all Lenders Credit Report 's pulled within the last 30 days. Specifically we demand XXXX XXXX be provided a current and accurate report no later than three business days in order to prevent additional punitive damages to be filled with a law site with The KY STATE ATTTORNEY OFFICE. 
our file. See XXXX Credit decline letters attached and the incorrect Credit Report pulled by the lender ( XXXX XXXX ). 
Either the Credit Bureaus are reporting incorrect reports to Creditors or the Creditors are pulling incorrect reports. This negligence is NOT LAWFUL and will not be tolerated by consumers. Credit REPORTING Agency need to be held accountable for their negligent actions and willful misconduct towards the Fair Credit Reporting Act.

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 08/16/2016 about Debt collection (Payday loan) with National Arbitration Forum (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Son - I received a subpoena in the mail stating that I owed {$470.00} to XXXX XXXX XXXX and they were going to take me to court if I did not pay them {$270.00}. I called them and told them that I did not borrow the money, they told me that I still owed them the money and that I would have hire a lawyer to prove that the account was n't mine and that the attorney would cost more than the money I owed. I tried to borrow the money from my mom and she said that she would check into this, that I should not pay for something that I did not do. 

Mom - I checked into the phone number and realized that it was a scam wherein the company was trying to exhort money from my son by threatening him. I called the company on the letterhead and told them that I knew this was a scam and not to expect money from him, they claimed that my son told them that he borrowed the money and agreed to pay it back. They also claimed that they did not threaten him, if a law suit is not a threat, I do n't know what one would be. I also called XXXX XXXX XXXX and they have no record of him ever borrowing money from them. I do not know how they got my sons information but as they has his name, address and last XXXX of his social security number.

Company response to consumer: Untimely response
Consumer complaint received 01-05-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (FL).
Issue: Credit decision / Underwriting

Complaint: In XXXX, we had a mortgage with Wells Fargo Financial. On XX/XX/XXXX, we signed a Deed in Lieu of Foreclosure issuing the property to Wells Fargo Financial. The house was subsequently sold to another buyer that year. In XX/XX/XXXX, Wells Fargo reported on my credit report that they had received a deed for collateral in lieu of foreclosure on a defaulted mortgage in XXXX. This could not be possible because the deed was signed in XXXX. I tried repeatedly to dispute the information with Wells Fargo and the credit bureaus. I provided a copy of the signed and notarized Deed In Lieu of foreclosure clearly indicating that the date was XXXX and not XXXX. Under the fair credit reporting act, this should not show up on my credit report at all as I have waited well over 7 years. On almost every occasion, Wells Fargo would act as though they could not find the loan or they would tell the credit reporting agencies it was correct. I became frustrated and gave up. However, I am in the process of buying a home and am being refused a mortgage because of this reporting. Although this was done in XXXX, Wells Fargo has refused to correct the problem. I wrote them on XX/XX/XXXX and explained that I was buying a home. Wells responded saying they would give me a response by XX/XX/XXXX. ON XX/XX/XXXX, I called Wells and was told they needed to XX/XX/XXXX. This will cause me to lose my financing. I explained this to Wells and told them that I had provided everything. They can even pull up the public record and they, as they have always done, showed no care at all. It is a simple 5 minute fix and they refuse to correct it. They explained that the credit bureaus were not reporting correctly. The credit bureaus blame Wells and here I am stuck with something that I did not do. The actions of both parties, but especially Wells, has left me, the consumer, with no recourse. I have a family that includes XXXX children and this is preventing us from being able to have a home big enough to house our family.

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 08/29/2017 about Debt collection (Other debt) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX XXXX, I received a copy of my credit report. In detailed it listed an account by XXXX XXXX XXXX XXXX XXXX I have never opened, signed, or agreed to this account. Unfortunately, my account was sold to a third party Cavalry Portfolio that has called excessively stating that they want to collect a debt for {$520.00}. I have sent in numerous letters to credit bureaus asking that this collection be removed unless validated. In return I am sent a copy of a billing statement, that does not have any information except my name and an old address at the bottom of the page. This document has no signature and/or account number showing proof that I opened this account. I am simply asking that XXXX XXXX and Cavalry Portfolio remove this debt from my credit report immediately ( all XXXX Credit Bureau 's ). I am asking that they no longer harass me about a debt that I am not aware of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2017 about Mortgage (Other type of mortgage) with JPMORGAN CHASE & CO. (MT).
Issue: Applying for a mortgage

Complaint: I have been working with Chase for 2 years now they keep giving me a run around telling me that I have n't submitted documents telling me that my documents are incomplete that someone has called me, that they are calling to verify information and that they do n't have it they never return my calls they have other people call mix-up information and refuse to call me back or follow up on paperwork they tell me that the paperwork is in escalation and each time I call they say that it 's still in escalation and it 's been going on for almost 2 years I can not get anywhere with this my loan is in default and it just keeps adding up more and more fees and they refused to go any farther with this. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Portfolio Recovery Associates is reporting on my XXXX credit report and for the amount of {$410.00}. This item is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Debt collection (I do not know) with West Bay Recovery, Inc. (RI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: West Bay Recovery XXXX XXXX XXXX, XXXX XXXX XXXX, RI XXXX and XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, RI XXXX ( representing West Bay ) XX/XX/XXXX-XX/XX/XXXX Judgement XXXX Initially, I was not aware of any debt or what it was for. There were documents falsely served and signed by whom I do not know as I lived alone and worked past XXXX every night some time in XX/XX/XXXX. I do not have the exact date as the documents were never disclosed to me. I never saw anything or heard of this debt or company. I found out about this debt in the middle of my bankruptcy through mail from XXXX that my account was overdrawn. The account was my in fact my then 7yr old 's savings account that the law office went ahead and took the money out with the false documents. No one answered my calls or my letters sent on the matter. Not only did they receive money through what I can only imagine were forged documents that was my child 's but they also were included in my bankruptcy that was discharged in XX/XX/XXXX. Now, I am going through a refinance of my home ( XX/XX/XXXX ) that was purchased in XX/XX/XXXX and my loan officer is telling me West Bay is coming after me for {$490.00} that I supposedly owe from XX/XX/XXXX ... .mind you the law office went in and took it out of a 7yr old 's bank account. I am finding out there has been MANY complaints about West Bay creating false debt and coming after people years and years later for what I still do n't know as NO ONE HAS EVER RETURNED MY CALLS OR MAIL ON THIS SO CALLED DEBT. They were included in bankruptcy and the stole money from my child 's account which only included my name due to him being under age.

Company response to consumer: Untimely response
Consumer complaint received 03/24/2017 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently checked my credit score and I have a debt on my report of XXXX for common wealth which when I looked it up it is a collections. This does not share anything in common with any of my other debts after reviewing my scores and would like it to be discharged.

Company response to consumer: Closed with explanation