milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/21/2016 about Student loan (Non-federal student loan) with AES/PHEAA (MI).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Hello, My name is XXXX XXXX and I am contacting you regarding an issue that I am having with a private student loan forbearance through American Education Services ( AES ). I called in XXXX of this year to set up a 2-month forbearance for XXXX and XXXX. The representative on the phone said everything was all set and approved me for the forbearance. He read through the terms and conditions which I verbally agreed to ; the forbearance was finalized. After ending the phone call, however, this individual decided that I was not eligible for the forbearance and it was cancelled. I was not made aware of this, and was surprised to see that my account was past due and had been reported to a credit agency when I went to pay my next bill. I called and spoke to a different representative XXXX XXXX, ID # XXXX XXXX on XXXX/XXXX/16 and she indicated to me that she and another reviewer saw no reason why my forbearance was cancelled. She told me that my account was being submitted for review and that the review should be completed in XXXX10 days and that I should call back after that amount of time. I called back on XXXX/XXXX/16 and spoke to a different representative ( XXXX, ID # XXXX ) who indicated to me that my account had still not been reviewed and that she would call me back when it had been. She offered no explanation as to why it was taking so much longer than the original representative had projected or how long I should anticipate it taking to complete. 

After ending the phone call, I submitted a message through the AES website explaining this situation as I have in the paragraph above. I received a response back today ( XXXX/XXXX/16 ) from " XXXX '' ( see attached email ). He advised me, " You will need to allow time for the review to be completed '' and that " We will work to have this review completed as quickly as possible and you will be notified on the outcome ''. My cosigners and I are receiving collection phone calls that are harassing in frequency and AES is regularly reporting my account, negatively affecting my credit and my cosigner 's credit. I am very disconcerted by the fact that, in his response, XXXX also offered no explanation about why it has not been completed, nor did he say how long I should anticipate waiting. 

At this time, I request that the harassing phone calls and negative credit reportings stop immediately for both my cosigners and I until the time that the review is completed. Also, I do not at all feel comfortable giving this company any further payments until this issue is resolved and I request that no payments are considered delinquent until the review has been completed and some resolution has occurred. 

I very much appreciate your time and attention and look forward to resolving this matter. 

Best, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-01-2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There are two XXXX accounts being incorrectly reported to Experian. The accounts were included in a Chapter XXXX Bankruptcy, but Experian is reporting late payments after the petition was filed. I have repeatedly disputed this item, but they continue to verify incorrect information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX. My husband, XXXX XXXX, passed away on XX/XX/XXXX due to a XXXX. I am on Social Security and XXXX. I have been raising my Grandson since he was an infant. Nationstar states that I can not be granted a loan modification because I was granted a loan modification in XX/XX/XXXX. That modification was granted to my husband, and not me, as I have only assumed the loan recently, and after his death. My Nationstar loan is set to go up yet again in XXXX, XXXX. I am barely keeping my head above water as-is, and Nationstar states that I would have to go late on my mortgage to be reviewed for modification. I find it unfair that I am being punished for making my financial obligation to Nationstar my XXXX priority. From what I understand, my income qualifies me for a loan modification and I, personally, have never been granted a loan modification as I was never on the loan prior to my husband dying, so there denial of my last assistance request is unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: BestBuy/CBNA has not updated the payment status on  XXXX   &   XXXX  to paid.   XXXX   is still reporting " Bad debt & placed for collection & skip '' The balance is  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 10/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There are XXXX main issues. 
1. The debt relates to a cable box that XXXX collected from me and replaced with a newer model, which they then lost. I called XXXX to report that they had collected the box, they said that they would attempt to find it, and then I received the collections letter without any further notice from XXXX. I do not owe this debt as I did not keep the box. 
2. When I try to call IC Systems, I repeatedly enter all information, am told to hold, and then the phone disconnects. There is just no way for me to get in touch. When I enter my information on their website, XXXX they tell me to call, and when I call, I inevitably get disconnected.

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 02-11-2016 about Debt collection (Medical) with Firstsource Advantage, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I went to the hospital before I joined the XXXX, I could not afford to pay the bill. I enlisted in the XXXX and was contacted by XXXX XXXX XXXX for the hospital bill, I paid this collection company the entire amount {$1000.00}. I discovered that another collection company First Source Advantage is collecting the same debt. I have contacted them and they said it is a different bill for a different collection. I disputed with XXXX and they said I did not pay this debt. 
I did some research and found that the hospital I went to XXXX XXXX XXXX was purchased the same month my debt went into collection by the TN XXXX XXXX XXXX which was XXXX 2013. I paid the collection from the TN regional health system but the collection from XXXX XXXX XXXX which is First Source Advantage will not accept this explanation and says they are XXXX different hospitals. I look online today and they have the same address, phone and website for TN XXXX XXXX XXXX. 
Please help me get the collection removed from my report. Please let me know if you need any other information..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: Since I got my permanent resident status, I am banking with BBVA Compass. My relation with the bank is under two years. 

Recently closed my office and immediately asked BBVA to stop payment monthly rent, to the owner of property, I made a stop payment request on XXXX/XXXX/2016, and again on XXXX/XXXX/2016. 

Due to some password issue, I visited bank branch on XXXX/XXXX/2016 and enquire about balance, which was in positive. If on XXXX/XXXX/2016 branch manager showed me positive balance. 

BBVA on backdate made payment of rent, ignoring my online request for stop payment and charge certain amount as overdraft protection. 

Since there was positive balance so I made deposits on my XXXX credit cards, resulting bank made payment and exercise overdraft protection twice as XXXX transfers. 

Now BBVA instead admitting the mistake of over sight of stop payment request, pull more money and negative balance increase. 

I want to close my XXXX accounts of BBVA and wanted them to adjusted unnecessary pulled out money and refund wrongly made payment of rent. 

They blocked my online account access. 

There is no customer service telephone is answered, only getting the message " ALL AGENTS ARE BUSY '' and phone hang-up. 

Wanted to file complainant through corporate website, but getting this message " We 're sorry, the page you requested was n't found '' When visited online chat services I am getting this message " your request has been forwarded and you will be assisted in a few moments ''. Moments they mean over one and half hours. 

CFPB is humbly requested to intervene and help me to close my account and asked BBVA to issue clearnce letter once matter is resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-06-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: My county property taxes were raised to about twice their normal rate because the county assessed my property to not be primary residence. Greetree - DiTech paid the taxes for two years without notifying me of the raise. After about a year, they hit me with the bill, raising my monthly payment by {$200.00}. I continued to try and make payments at the new rate and got the money refunded from the county of around {$2800.00} in two payments and sent it in. It took me 5 months to get them to revert the excrow back to the lower rate and even then they still said I owed {$640.00} in back escrow. How can I still owe more if I paid it back and the rate went back down and I kept up on payments. My payments wo n't revert to the new rate until XX/XX/XXXX and I 'm still paying {$200.00} over my original rate. Where is all of this excess cash going? I thougt I should have {$1000.00} or so coming back to me, but they tell me I owe {$640.00} and I 'm still paying at the higher payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (KS).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: We cancelled our insurance with  XXXX   XXXX  on  X/XX/2017   , with an effective date of  X/X/2017   . They sent us a bill for back premium for {$140.00}. We have looked through every bill from them and our bank statements and have paid all of our bills. They told us that we were a month behind, but we have never missed a payment. They have now turned us over to a collection agency, Credit Collection Services.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOWER LOAN OF MISSISSIPPI, INC. (MS).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX, I opened an account with Tower Loan. After a year of installment payments the account was closed. Final payment was made and all debts were settled. Shortly thereafter I noticed a default payment posting onto my credit reports ; XXXX & XXXX stating a XXXX late payment. I contacted Tower Loan about the report and their response was and still is ... .. that once an item is reported, it is company policy " not to remove ". But contradiction shows otherwise. In XXXX XXXX this item was removed from my XXXX report. Thus proves '' false reporting " to this day on my XXXX  report!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Federated Law Group (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XX/XX/2018I am calling in reference to a resolution payment for a credit card of XXXX XXXX the debt was for {$4000.00} and change. I made an offer of {$2000.00} and they did not want accept my offer. I tried several times to fix the problem spoke with two different collectors and a supervisor at the end I had to pay {$3600.00}. I had the offer of {$2600.00} before but to bad advice from my friend I lost the offer and due to that I was penalized.the company is Federated Law Group,XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Mortgage (Conventional fixed mortgage) with BB&T CORPORATION (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I 've been unemployed for a while and myself and the spouse has been paying the mortgage. There were only once source of income in the home and my spouse was paying the mortgage on time. For some apparent reason I made arrangement and kept those arrangements and they have reported me to the credit bureau for no reason because the payments were made prior or before it gets to the credit bureau.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 07/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On the XXXX XXXX credit file Sam club show XXXX account open on XXXX XXXX/2011 for the balance of {$1.00} ( 2 ) times and another one for {$2300.00} ( 2 ) times i contacted them previous time about the issues they never fixed all my my XXXX credit score not reported accurate by same club that cause me to get a credit card

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 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I just became aware of a credit inquiry that I did not authorize and it is damaging my credit.

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 08/13/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I 'm making this complaint because month after month I send the proof to Equifax that they are reporting this bankruptcy wrong by sending the public records page from my credit report and they have failed to correct or remove it each time and come back saying that it has been verified. 

Here 's my dispute with Equifax : Bankruptcy Docket # XXXX # 1 You have the date " XXXX/XXXX/XXXX '' and this date is NOT accurate or even existent! 
# 2 I 've notified you of this multiple times and therefore, I am notifying the Consumer Financial Protection Bureau of this violation immediately and am sending this complaint with my letter # 3 The docket # is not correct as well as incomplete # 4 " BK Court '' is not a court - this section must list bankruptcy court with the city and state # 5 the liability amount must be numerical and you have " K ''

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with FACTUAL DATA CORP. (CT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am in bankruptcy since XX/XX/2015. I have been utilizing XXXX to monitor my credit and score since then. With this week 's XXXX update my scores ( XXXX and XXXX ) were finally high enough to pursue a business opportunity. The company I was working with pulled a hard credit report through Kroll and much to my dismay one of my scores ( XXXX ) was no where near what XXXX had reported, the XXXX score ( XXXX ) was nearly the same and the XXXX score was super low. All XXXX reporting various negative information post bankruptcy petition filing. Also as part of being in bankruptcy we should be offered all bankruptcy protections including the automatic stay which prevents negative credit information from being reported from the time of bankruptcy filing, i.e. XX/XX/2015. Kroll had XXXX different accounts reporting both being included in bankruptcy and reporting late payments post petition filing. These reporting of late payments are illegal, as well as hitting my credit score two times each. Once for being in bankruptcy and another for being late thus killing my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian is in violation of the FCRA. We have contacted each individual company via certified letters without method of verification or any viable evidence that these accounts are being correctly reported to you. Since the letters were sent out on XXXX XXXX means that you have failed to report correct information on my report. The section reads : FDCPA Section 807 ( 8 ) 807. False or misleading representations [ 15 USC 1962e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
I have attached a copy of my credit report and highlighted the accounts and a copy of the lawsuit you are named in the event that these issues come off of my report. Please remove the highlighted accounts from my report. 

Please refer to Case number : XXXX. You have failed to provide me with the proof that the inquiries listed belong to me or to someone else. You also failed to respond to my rebuttal of the dispute within 15 days. There is a {$1000.00} fine for each occurrence. That adds up to {$16000.00}. We will be seeking this amount in damages. 
Here are the inquiries in question once again. 
XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/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 non-monetary relief
Consumer complaint received 01/19/2017 about Credit card () with JPMORGAN CHASE & CO. (AZ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: On or about XXXX 2016, I began receiving collection calls and letters regarding Chase credit card accounts in my name I did not know about. I questioned these accounts, reported them as identity theft, and notified the credit issuer to close the accounts. At the time I believed contacting Chase and telling them about this would end the collection attempts and that my credit report would be amended to reflect the identity theft occurrence. Chase has refused my identity theft request, continues collections attempts, and has not removed negative information pertaining to these accounts from my credit report. An identity theft report has been submitted to the FTC and legal action against Chase will be pursued if all negative information is not removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: sent police report still trans union not taking off cra not mine violation of my rights

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 02-06-2018 about Mortgage (Conventional home mortgage) with Dovenmuehle Mortgage, Inc. (FL).
Issue: Trouble during payment process

Complaint: Appraisal was completed on XX/XX/XXXXfor removal of PMI and came back with my LTV being 75.6 %. Company states that I need to have 75 % for removal of PMI when 80 % is the correct amount. Customer service supervisor mentioned I should file a complaint if I do not agree with this.

Company response to consumer: Closed with explanation