milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-05-2017 about Student loan (Private student loan) with SLM CORPORATION (MD).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Sallie Mae is making it extremely difficult to enter a repayment plan for my student loans causing undue stress and financial hardship. I began repaying my student loans, in full, 6 months after I graduated. I was an entry level employee with the federal government and lived at home with my parents. Even then, my total student loan payments were causing financial burdens. I inquired about repayment plans and was told I should try to lower my interest rates by activating automatic payments. So I did. I didnt see much of a change to make them more affordable. That was 3 years ago. I have now farther advanced in my career, in the field of which I studied in school, and my job became more demanding so I had to make geographical relocations and take on more financial responsibilities. Even though this was even more of a financial adjustment than previously, I continued to try to pay my student loans and was able to enter an income-driven repayment plan with my XXXX student loans. I inquired about income -driven, or any, repayment plans/options Sallie Mae offered and I was told my only choices were to now defer my loans, ask a co-signer, or consider filing bankruptcy. I was forced into deferring my loans. Sallie Mae explained they would only allow me to put my student loans into forbearance for 12 months, for the lifetime of the loan. I would accrue interest during that time. After watching my principal balance increase drastically in just a few months, I decided to inquire about repayment options again and cancel my forbearance period. They told me the only way I could even be considered for a repayment plan would be to allow my loans to become delinquent. I called multiple times to speak to someone about this and they all advised me to do the same thing. So, ultimately this company wants you to allow your financial situation to get worse, have your credit score take a hit, on top of cause undue stress, just to enter a repayment program. Making someone pay {$1400.00} a month for private student loans when they make less than {$2500.00} a month is robbery. Their representatives are very unhelpful and it seems as if that is this companies motive. I know they allow them to say certain things and tell them not to offer/say certain things. This is an extremely unethical way of conducting business and as a large stake holder in student loan debt in America, the federal government should hold companies such as these to higher standards. Especially for the greater good of the American people that simply wanted to afford a better life by going to college.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Debt collection (Medical debt) with Ability Recovery Services, LLC (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX/XXXX/XXXX I received a response to a letter that I sent to Ability recovery service asking for Validation of a debt they alleged that I owed of {$430.00}. Not only was the company unable to provide me validation of the debt they sent me a generic peace of paper that doesnt have my Signature on it nor does it have me listed at as the patient who received these services which was the information that I requested for validation purposes. I also asked them for their method in which they verified the debt was mine and I owed for those services. They have reported this incorrect information on my credit file which has hindered me from obtaining financing. I asked that if this company can not provide me with validation of this debt that they remove this debt from my credit file!

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Student loan (Non-federal student loan) with ACS Education Services (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: On XXXX/XXXX/XXXX I contacted ACS in order to get assistance with bringing my account current. I was told that I did not qualify for a forbearance. On XXXX/XXXX/XXXX at XXXX I called back with a rep from the loan guarantor on the line. I spoke with XXXX XXXX who said that I was eligible for a forbearance for 4 months. She further represented that my accounts would be brought current, the forbearance had been re-submitted and was pending and she had expedited it. In XXXX I received a bill from ACS requesting a payment for a date that had already passed. I began calling ACS immediately to correct the errors to my account and deterine why it was past due. I was told that the forbearance was not applied for XXXX as I was told it would be. In addition I was told that the income based repayment that I applied for was not applied until XXXX XXXX {$13000.00} ) and therefore, I was past due for the standard amount ( $ XXXX ) for the month of XXXX. I made an immediate payment as instructed in order to prevent my account from being reported more than 30 days late. I made payments on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have contacted ACS twice a week each week in order to attempt to reach a resolution on my account. Each time I am told something different. Most notably, on XXXX XXXX, XXXX, XXXX of ACS, informed me that the XXXX payment would be corrected to reflect the payment due of {$130.00} and that the negative credit bureau reporting for the months of XXXX, XXXX XXXX and XXXX XXXX would be removed. I was told on both XXXX XXXX and XXXX XXXX, XXXX that internal investigation requests had been submitted and that XXXX would recieve results within XXXX10 business days. Despite following up on many occassion in writing, I have yet to recieve results. I requested a copy of my promissory notes on XXXX XXXX, XXXX. I have not recieved a copy as requested. I have rquested a copy of all correspondence that was sent to me since XXXX XXXX and was told by XXXX as well as a supervisor, XXXX, that ACS would not and could not provide correspondence because it had already been sent to me and ACS does not keep a copy of correspondence. My loans are being reported as 165 days days past due on XXXX XXXX, XXXX and today I was told they are 168 days past due. Each time I call the loans are past due for a different amount, a different number of days, despite making payments on time for my current payment amounts.. I have contacted this company trying desperately to resolve my account without success or response.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/2018 I opened a line of service account with XXXX and when I asked if the credit check would be a hard inquiry I was told no. The inquiry was made and is now on my report as a hard inquiry. Ive contacted XXXX and they have offered no help in correcting my credit report to match what I was told.

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 12/29/2017 about Debt collection (I do not know) with MRS BPO, LLC (OK).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: MRS Aaociates called my business provided and paid cell phone  on XX/XX/XXXX asking for XXXX XXXX. I told the woman that there was no one by that name nor did I know anyone by that name. I told her she had a wrong number and not to call in the future. They called again on the XXXX and hung up when I answered. Then called again on the XXXX.  I called their number three time until I spoke to a XXXX XXXX and was told again they would take my number off but it would "take at least 48 hours"They call from different numbers that can't be called back. They repeatedly hang up When the call is answered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2015 about Debt collection (Credit card) with Allied Interstate LLC (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Allied Interstate LLC calls me approximately XXXX times a day. These calls begin before XXXX XXXX. They also continue to call me at work, even after they have been told by my employer that this is not allowed. Sometimes they call me every XXXX minutes all day long. 

They have been notified that they are not allowed to call me with this frequency. They continue to do so. 

When I asked them for an address so that I may file a complaint against them, they would not give it to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (KY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I had a judgement order from XXXX, tried contacting to verify debt. I believe the supposed debt would be time barred. In XXXX got letter about garnishment from XXXX and XXXX. I contacted to verify debt was basically told it was to late. I did n't follow thru at time, I had just recovered from XXXX. Now they have garnished my wages again.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (NC).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Trying to use XXXX keeps saying has n't received any Direct Deposits from my bank SunTrust

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 02-09-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: Bank of America charged return fee XXXX XXXX this is not fair. 
XXXX XXXX XX/XX/2017 friday my online banking balance was not negative. 
XX/XX/2017 Saturday my online banking balance negative. ( XXXX transition ) XX/XX/2017 called Boa customer service, XXXX ( refresentitive ) advised deposit right away. 
XX/XX/2017 all cash deposited, But, they returned check and charged return fees 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 monetary relief
Consumer complaint received 02-10-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I took out student loans with XXXX, now navient back when i was in college in XX/XX/XXXX and XX/XX/XXXX each loan was for XXXX and XXXX respectively. every month since i have graduated in XX/XX/XXXX i have paid above and beyond what they have asked, at least XX/XX/XXXX a month. yet the loans never go down. interests is added DAILY. now ten years later of paying XXXX every month my student loans are totaled to owe XXXX..how is this fair? how does this even make sense?

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Vehicle loan or lease (Loan) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: Paid car off with XXXX on XX/XX/2017 letter mailed in. 
Online ACH payment, 2nd time XX/XX/2017, 3rd was XX/XX/2017. 
Sent a letter to requesting them to stop calling in XX/XX/2017 and have received four since then.Also on a letter they had or were given 10 days to respond or the bill would be marked PAID IN FULL. They took 15 days. Four counts of payment in full and still no TITLE.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2015 about Mortgage (Other mortgage) with Real Time Resolutions, Inc. (CA).
Issue: Credit decision / Underwriting

Complaint: A XXXX in line debt collector has categorized an installment loan ( originated as Exhibit B -- Unsecured Promissory Note on the last day of closing a XXXX XXXX XXXX ( XXXX ) short sale of real property, XXXX XXXX XXXX, XXXX XXXX CA XXXX, XX/XX/XXXX -- and that exhibit may really not have signatures nor been notarized at that time ) as a current XX/XX/XXXX late pay mortgage on my credit reports. This has caused me to not receive approval for completing a mortgage loan-XXXX and XXXX XXXX, and caused denial for me to rent another home -- due to 'adverse impact ' on my credit check by XXXX XXXX XXXX XXXX in the attempt to rent. I have consulted with an attorney, last week XXXX. I know the debt is old -- however offered an amount, that I was originally told in XX/XX/XXXX, that would be the amount wanted by XXXX -- to this debt collector -- Real Time Resolutions ( RTR ) -- which is really a 'strong-arm enforcer ' of XXXX -- I think. On prior credit reports, the XXXX XXXX debt collector -- XXXX XXXX XXXX, - listed this debt correctly -- as an Installment Loan. Now RTR calls it a 'current late pay mortgage loan. ' I hope these XXXX credit bureaus -- -which I have filed disputes with in XXXX and XX/XX/XXXX -- will correct the category of this debt on their reports. They ( XXXX and XXXX ) denied my disputes and basically have said -- whatever RTR said is the truth -- and that I am the bad, bad person. I want resolution and corrections -- and to be able to move forward with my life. I have docs to attach.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (OK).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage recently locked my ability to make electronic payments either from online or over the phone. After making multiple calls to their call center and resolving the " apparent '' incorrect info, they still are n't accepting my payments. Each time I called I get different explanation but still no result. I ca n't even make a payment directly over the phone with them. Ever since XXXX XXXX XXXX transferred this to Carrington I have had nothing but poor customer service and find their procedures and policies for customer service atrocious. I 've never experience this kind of problem with any other company just Carrington. Now it appears that they will likely charge me a late fee even though I ca n't make a payment due to their fault not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Loan servicing, payments, escrow account

Complaint: Telephone conference was scheduled for XXXX XXXX, 2016 at XXXX EST., with the Line of Credit Deparment and the assigned Resolution Specialist ( XXXX XXXX ). The Bank of America 's XXXX Branch in Virginia, one of their Personal Banker assisted me on XXXX XXXX with the following : 1. Checking account 2. Loan Modification 3. Payments 4. Discrepancies due dates is it the XXXX of the month or the XXXX of the month and 5. Negative information being reported to the XXXX major credit bureaus. The Personal Banker was very helpful but it was upto the LOC to resolve my issues. I contacted XXXX XXXX and left a voice message asking her to contact me regarding our XXXX scheduled telephone meeting. Also, I contacted the LOC department and was placed on hold for approximately XXXX minutes or longer and was discounted. I visited the XXXX XXXX Branch on XXXX XXXX, 2016 and asked the associate to help with my checking account and the LOC and was told to contact the LOC department. This is not good customer service.

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 01/23/2018 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (IN).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: We leased two XXXX XXXX XXXX 's from XXXX  XXXX, XXXX, XXXX in about XX/XX/XXXX. We have made all payments as promised. In XX/XX/XXXX, we decided to lease 2 new XXXX vehicles. XXXX was called to find out what the payments remained and the XXXX dealership wrote us checks for final remaining payments. We continued to make payments towards our accounts knowing that a final bill would arrive. XXXX has in their history of converation that they spoke with XXXX XXXX XXXX to get a payoff amount. We awaited a final bill with the final payments and the lease end fee. After turning in both vehicles we have made a total of approx XXXX on one vehicle and XXXX on the other. We knew there would be a final amount due and we are prepared to write XXXX a check for the final amount. I have called several times and spoke with several people at XXXX XXXX # XXXX. I was told a manager would call me today to try to resolve the issue and I did n't receive a call XX/XX/XXXX. I made the call at XXXX today and spoke with one customer service agent and one individual whom said she was a manager but could n't do anything for me. I have given our situation to several people without a solution. We have always paid our payments on time without fail. We have a good credit history. XXXX XXXX is not practicing good business practices and I believe is causing undo harm to people and their finances with how they are reporting lease ends. I spoke with the XXXX dealership and they have never had this happen with other people that were ending their leases with XXXX. This should be resolved and should n't have gotten this far. Unfair business practices have no place anywhere. I have now received an Early Termination Liability letter on both vehicles, one for {$34000.00} and the other {$35000.00}. My calculation the balance of both accounts should be approx 3500 but XXXX will not give me the final amount to be paid. We were never given a certain way from XXXX that the cars had to be turned in. We inspected the cars and turned them into the dealership we leased from. No one there said anything to us as well. We gave them our information so they could take care of the vehicles and we did n't receive any calls with issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Trans Union, XXXX and XXXX are reporting my score harmfully low. It is important to recognize that my credit score is violating my rights to obtain a loan including approval on a dwelling for my family, and preventing me from establishing any type of credit at all. I have worked tirelessly to improve my credit report and my score has decended dramatically with less negative items being reported! I am disputing the score on my three reports, with this reported score I can not be approved by a landlord, utility or insurance including a job! Inhave XXXX  children and a wife. This credit report and score is hauling me from establishing credit and my ability to create a safe environment formmy 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 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently submitted a report identity theft due to recent discovery my identity has been comprised. The following items should be removed and deleted from my credit report Account Numbers : XXXX   XXXX XXXX # XXXX these accounts are Identity theft please delete. 
XXXX XXXX XXXX XXXX, XXXX this account is fraud please delete. 

XXXX XXXX XXXX XXXX This account is an error duplicate entries please delete I do not recognize this company. 
XXXX XXXX XXXX XXXX All of these accounts should be reviewed and removed as soon as possible. I sent info for TransUnion or agent of TransUnion to do a reasonable investigation of my dispute, since it was never done please investigate this account thoroughly. 

I am in need a complete and well done investigation no XXXX system thank you, you would have known, that not only I have never been late on this account ; but that I am not sure if some of these account are even mine though your company claims to have verified this.

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 08-01-2016 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (OK).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a bill with XXXX. My insurance denied it due to not getting info from the doctors office. My doctor finally sent in what they wanted and it 's now in review for payment at the insurance. My insurance said that the review could take a while. It 's a XXXX that they have paid in full in the past. I keep getting phone calls several times a day even after letting them know it will get paid by insurance. Today XXXX/XXXX/16 during my wife 's XXXX they called repeatedly even after I told them what was going on and I could not talk to them at the moment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OK).
Issue: Loan servicing, payments, escrow account

Complaint: For the past 2 years beginning XX/XX/XXXX, XX/XX/XXXX our mortgage company, Nation Star Mortgage, has contacted us that we are overdue on our payments and charging us a penalty. We use there auto-deduct system and for some reason it works every other month. I contacted our bank and they say we have had the money in the account so that have n't denied a request for auto-deduct payment. Then we start getting calls from a automated message stating we are behind in our payments. My wife and I have called the number they left and it takes about 30 minutes of saying no to questions by another computer generated recording until we get a real person. Then the person ca n't really help us and wo n't bump us up to someone in management. I am concerned there may be some kind of scam going on. I pay my bills and have n't had any other problems wit h any other creditors. Is there some way I can get this situation looked into?

Company response to consumer: Closed with explanation