milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/15/2016 about Student loan (Non-federal student loan) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I acquired a student loan with AES ( American Education Services ) for my daughter in 2008. 
She attended XXXX XXXX XXXX University and graduated with a XXXX XXXX in XXXX XXXX. The original loan was in the amount of {$25000.00}, upon checking on the balance on this loan I still owe {$16000.00}, I have always made my payments on time, the statement shows that {$13000.00} has gone towards interest and only {$9000.00} towards the principal. I requested some leniency towards paying this loan in full as my husband is XXXX yrs old and still working to help make ends meet, I work as a XXXX and XXXX, our daughter works as a XXXX and has a son and is a single mom. AES denied my request for a payoff and informed me that the payoff is the {$16000.00} on the statement. All of our banking accounts are with XXXX XXXX ( checking acct., credit cards, XXXX savings accts for grand-children ) and I see that the owner/guarantor on the student loan is XXXX. When I emailed XXXX about a personal loan to with the possibility of refinancing the student loan I was informed that my request ( again ) could not be fulfilled as XXXX XXXX does not do personal loans. I feel like I am not getting anywhere with this issue and thought that AES would give some leniency due to the fact that I have always paid on time and because of our ages. I am very disappointed with AES and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are numerous accounts in my credit file that are misleading by labeling information as " charged off '' and reflect late payments beyond that of my BK discharge. Such a designation would be inaccurate because it would indicate that this account a responsibility to the debt and the creditor had written off the account at the time of bankruptcy when it had not. 

1. Accounts that were XXXX reporting as charge offs2. Accounts that were never late prior to BK reporting late payments after my discharge. 
3. Accounts that were XXXX showing recent activity as XXXX days late as recent as XXXX months ago. 
4. Accounts that reflect inaccurate date of delinquency, creditor information, etc. 

Nearly XXXX accounts that are XXXX that have inaccurate account information, status, or other misleading information. 

These inaccuracies make me appear to be a larger risk then I have ; especially considering I have many accounts in good standing and have no other derogatory information since filing for BK in XXXX 2009. These inaccurate information not only projected me as more for years despite rebuilding ; however, it prevents the deletion of information at their appropriate time but having wrong date of delinquencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I HAVE ASK XXXX TO VALIDATE THERE DEBT MANY TIME. THEY HAVE FAILED TO VALIDATE AND KEEP REPORTING NOW THEY HAVE SENT ACCOUNT TO COLLECTIONS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/25/2018 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: Investigation took more than 30 days

Complaint: On XX/XX/XXXX, I mailed Experian, via certified USPS mail, a formal, written request for Method of Validation for the results of my investigation into the following accounts my rights per FCRA Section 611 : XXXX XXXX- Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX- Acct # XXXX XXXX XXXX- Acct # XXXX XXXX XXXX- Acct # XXXX Experian received my request per USPS XXXX # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Today is XX/XX/XXXX and Experian failed to comply with this request during the 15 day period. Experian demonstrates a failure to comply with investigation timelines. I fully intend to sue if necessary to rectify these errors which are very serious inaccuracies which are hurting my ability to obtain credit. I do not believe Experian has contacted these companies, but instead relies on their automation system that includes inaccurate information related to these accounts.

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 04/23/2016 about Prepaid card (General purpose card) with U.S. BANCORP (CA).
Issue: Fees

Complaint: assessed automated fee without sufficient disclosure. Can not talk to customer rep without incurring {$1.00} fee.

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 07-08-2016 about Credit card () with Continental Finance Company, LLC (IN).
Issue: Other fee

Complaint: The surge card I got double charge me maintenance fee yearly and monthly. When I read the agreement it seemed to state that it was either a XXXX yearly charge or a XXXX monthly charge not XXXX. Then when I try to cancel the card the guy said that the monthly charge will keep going month after month even though I closed the account.

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 04-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ResidentCollect, Inc. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Back in 2012 I live in XXXX XXXX XXXX and I was evicted and they tried to sue me for XXXX and we went to court and the judge awarded them XXXX and told them that are all I owe them. I have tried to pay them this amount and they refuse the payment numerous occasions. They went as far as to tell me that they do n't care what the judge said they want the higher amount. The funny the company Resident Collect says they represent XXXX XXXX and I talked to XXXX and they told me they sold the debt to them and told them about the court case. In the process of dealing with them the woman has been rude yelling and went as to tell me to shut up and hang up in my face at one point. I eventually had to hire a company to stop the harassment and to deal with them and the company said that were met with the same rude behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 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: Account information incorrect

Complaint: I opened a ( ( secured ) ) line of credit with XXXX XXXX XXXX in XXXX in XXXX, and a short time later experienced some financial difficulty which forced me to close the line of credit and use the secured deposit to pay the balance to XXXX. I noticed recently in XXXX that XXXX XXXX XXXX submitted an entry to the credit bureaus that I owe them XXXX. I called their credit disputes department at XXXX and the representative said that the XXXX is unpaid interest on a CD Loan. I explained to the representative that I did not take out a CD Loan I had a Secured Personal Line of Credit and because it was a secured loan and it was opened such a short period of time there is no way that I could have accrued XXXX in interest unless they kept the account open for the past 3 years and did not close the account when I filed bankruptcy. XXXX XXXX XXXX  attempted to file a claim for XXXX, but it was denied by the bankruptcy court because the held the aforementioned certificate of deposit which served the purpose of securing the line of credit and should have been used to pay off the debt under the circumstance. The representative at XXXX XXXX XXXX stated that all she sees is that I had a CD Loan. She stated she would request the original documents. I am filing this complaint, because they did send me another XXXX XXXX Customers tax document, so it is very possible that they got two different accounts mixed up and they are charging me interest and fees that are not relevant to the original financial product ( the personal secured line of credit ) that I invested in.

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 06/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Collector XXXX called for a debt- he did give the mini miranda. However, I did not get a letter giving me the opportunity to dispute the account. He said my account was placed with them on XXXX/XXXX/16 I said I spoke with the original creditor a few days ago and worked out an agreement. He still demanded payment. I asked him to consult the original creditor XXXX XXXX work and he refused stating it is my job to provide documentation of conversation. I told him contact them and get me the initial dunning letter and he said no- I stated I was in the process of filing a complaint then and he transferred me to a supervisor XXXX XXXX . He stated they actually got the account on the XXXX and the letter was today and it is XXXX in the morning which means there is no way it is in the mail at this time regardless of time zone.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with Coinbase, Inc. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Coinbase processed charges to my account. These charges are UNAUTHORIZED. These unauthorized charges were posted on XX/XX/XXXX. 

Coinbase even admits to this, too. Please see attached images. 

Today, on XX/XX/XXXX, I called them and wrote them. 

They did not respond, nor answer me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (GA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Southwest Credit Systems, L.P. has continued to call my place of employment and cellular phone a week after receiving a certified " cease and desist '' letter for a debt. Majority of the calls are coming to my desk phone at work at least 4-5 times daily and then my cell at least phone 2-3 times daily with numerous messages which I have saved as evidence. The phone calls were sometimes back to back and very annoying as I was working and or at home. I advised the company in writing the debt is under dispute and will contact them regarding the debt after I research the balance, but to no longer contact me via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I called Rewards Customer Service representative from Wells Fargo and she could n't help me redeeming all credit I earned during the time my card was opened. This card was closed due to Wells Fargo, they said my checking account was n't on good standing so they decided to close my credit card as well. I spent money on that card trying to earn rewards so I could redeem them to my account humbly and in accordance with their agreement. I did n't close my card, they did. They do n't want to reopen it for a few days, at least with any kind of restrictions, so I can redeem my cash back I earned with so much effort. They 're currently holding a reward for the amount of {$23.00} and around {$3.00} dollars on pending transactions they had been changing the redeemable date. I think I earned this money in accordance of their credit card agreement and I am legitimately in the right to claim this money. I want this money redeemed on my credit card because I deserved it for the hard work on earning it.

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 09-09-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MS).
Issue: Loan servicing, payments, escrow account

Complaint: We had our XXXX mortgage with XXXX for quite a while and while with them, we had our payment set up to be auto drafted out of our account on the XXXX of every month. The payment, I was told, was not considered late until the XXXX so we set it up on the XXXX. It was taken out this way for years. The mortgage was sold to Green Tree Servicing ( now XXXX ) back in XXXX of this year. I called them and asked if I could set the mortgage payment set up to be auto drafted on the XXXX as we had done with XXXX. They said that would be fine. I asked if the payment would be late, and they assured me that it would not be if it was paid by the XXXX. Almost every month since XXXX XXXX XXXX has had this account, someone from their organization calls me wanting to know when we will be making our mortgage payment. I have had to call almost every month to explain that we have our payment set up as an auto draft and why are they calling? They usually say they are sorry and that they will not be calling in the future. Starting yesterday I started getting calls once again from XXXX and quite frankly I am at the end of my rope. We have NEVER BEEN LATE WITH THESE PEOPLE yet they do not seem to get the message that we have this payment set up to be auto drafted out of our account, which it has been every month on the XXXX, and that I do not want to be called about a payment that is automatic. I have been told by people at Green Tree Servicing that they should not be calling me and that the calls would stop. Yet, they never do. I do not know what else to do about this and I am so frustrated that I can feel my XXXX XXXX going up whenever I see their number on our caller ID. When I do talk to them and ask them why they are calling when we have our payment set up to be taken out automatically, they usually say, " Excuse the call. '' But I do not want to do this every month of my life going forward.

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 05/25/2016 about Mortgage (Other mortgage) with CITIBANK, N.A. (FL).
Issue: Application, originator, mortgage broker

Complaint: I applied for a refinance over 2 months ago and am still do n't know the status from Citibank and they tell you to go online and check status but they do n't update the status My number 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 monetary relief
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: ive ask experian to remove unauthorized hard inquires. and yet they have NOT done anything. this is extremely affecting me from getting any sort of credit! 

XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these need to be removed immediately from 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 06/29/2016 about Other financial service (Debt settlement) with Nationwide Doc Prep Inc (VA).
Issue: Fraud or scam

Complaint: I contacted Nationwide Doc Prep to get help with my student loans and they gave me false information, wanted my personal information, which I gave them, wanted to be paid up front without the promise of any written details, and told me I qualify for public service loan forgiveness even though I only drill once a month and am not employed full-time in public service. Their number is XXXX. I spoke to XXXX at ext XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NY).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Ive been banking with TD bank for a couple of years now and I usually dont go thru my online statements but recently when I logged on I see a {$35.00} charge even after the fact that my funds are posted next business day. But Im checking my statement for XXXX 2017 and Ive paid {$660.00} in fees and the rude customer representative is gon na tell me theres nothing they cant do..well Td you have just lost a loyal customer

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (MD).
Issue: Struggling to pay mortgage

Complaint: Dear  Consumer Finance Protection Bureau, I have been having a problem with the Ditech LLC,   loan servicer for my mortgage.  <P/> After months of working to negotiate a loan modification I have been denied. The loan modification process was fraught with constant frustration in dealing with Ditech which has insisted repeatedly on applying grossly inaccurate and incorrect information to my application.  <P/> At this point I have no idea whether I would qualify for a loan modification or not, but I have concluded th at Ditech was never working in good faith to determine if I could qualify for one, tho ugh their attorney told me in foreclosure mediation that I would definitely receive a modification and be able to keep my home. It seems in hindsite that their strategy was simply to burn up time and let my monthly arrearages accumulate until they go to a point where the amounts were too great to qualify for any forbearance in a loan modification guideline.  <P/> While I have not given up on the possibility of pursuing a modification to make my payment more affordable, I am now forced to switch approaches to the immediate problem, because the foreclosure process has moved forward and has gotten to the point where there is a Foreclosure sale scheduled for Monday,  XXXX   XXXX ,  2017, at   XXXX . This is only 5 days away.  <P/> As an alternative to this foreclosure I have been attempting to pursue making full payment of the past due amount to reinstate my loan. However, again I am experiencing that Ditech is not working in good faith to accomplish this.  <P/> On  XXXX   XXXX ,    2017 I made  a formal request by phone to Ditech for the full amount of funds required for reinstatement. Ditech told me this number would tak e 3-5 b usiness days to prepare. Today  XX/XX/XXXX , is the 6th business day. I have not received the reinstatement amount.  <P/> Ditech is not answering my phone calls ; they are being filtered directly to voicemail ; and Ditech is not returning my repeated voice mail messages.  <P/> I do not intend to allow the foreclosure process to proceed and will seek the alternative of a bankruptcy filing to prevent it however, this is not only asinine, but very harmful to my attempts to rebuild my life and prevent additional damage to my credit history.  <P/> I have secured through savings enough money to presumably pay the reinstatement amount tomorrow. But because Ditech is ignoring my phone calls, and my request for a reinstatement amount, I can not make the reinstatement payment.  <P/> This forces me to spend another {$3000.00} dollars in legal fees to stop the sale with an unnecessary bankruptcy filing.  <P/> This just seems wrong. Are there any laws being broken with Ditechs obfuscation, stalling, and delaying tactics?  <P/> Is there anything you can do to help me with this? Anything at all would be greatly appreciated.  <P/> Thank-You

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: All credit reports show that I live/lived in Texas, I have never lived in Texas.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My purse was stolen and I filed an identity theft. I see that my name is wrong and an address listed. I never lived at XXXX XXXX as reported on my credit report. I never misspell my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I have had my home mortgage with wells fargo for many years. I always paid my taxes and insurance seperate. for several years now they are charging me XXXX a year escrow. Why i have no idea.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/2018 i send a certified letter requesting portfolio Recovery of XXXX XXXX XXXX XXXX XXXX Va XXXX I requested for the original contract rom the client which they could not obtain due to this debt is not valid or mine they send me idolized statement from an address that i never lived at and claims i still owe the debt but this company has violated the 15 U.S.C. 1692g of the fair debt collection practices act. They have not removed this Debt from my credit report yet and they have violated the fair credit reporting act also

Company response to consumer: Closed with explanation