milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I was in XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX and I have a total of nine student loans : two Stafford loans and a Plus loan from XX/XX/XXXX-XX/XX/XXXX, and six Direct loans from XX/XX/XXXX-XX/XX/XXXX. I am on a Pay as You Earn plan, and all of the loans are serviced by Pennsylvania Higher Education Assistance Agency ( PHEAA ). Every year, I have re-submitted my IDR request on time to re-certify my income for the purpose of determining my student loan payment. <P/>This year, when I timely submitted my request for income-driven repayment ( XX/XX/XXXXIDRrequestreceived ), either the Department of Education or PHEAA failed to apply it to all of my loans, applying it only to my XX/XX/XXXX-XX/XX/XXXX loans and not y XX/XX/XXXX-XX/XX/XXXX loans. ( See attached documents -- XX/XX/XXXX for the loans PHEAA correctly applied the request to and XX/XX/XXXX for loans it failed to apply the request to. ) As a result of this oversight, my student loan payment has gone up to over {$1000.00} because my new income information was applied to all of the loans. I have tried to make approximately the loan payments I would owe had my account been handled correctly. However, PHEAA has on some occasions applied my payment partially across all loans, causing all of them to incur late payments ( see XX/XX/XXXX ). Every month, I try to pay what I should owe and every month I receive a notice that there is a delinquency on my student loans ( see XX/XX/XXXX ). It appears that in XXXX PHEAA applied the IDR request to my XX/XX/XXXX-XX/XX/XXXX loans ( see XX/XX/XXXX ), but the delinquent balance remains. <P/>I have contacted PHEAA twice to request that the agency properly calculate my student loan balance, remove the portion of the balance in default, and mark my account as current. The first time, the customer service rep suggested that I put my loans in forbearance -- I of course declined because this would have capitalized the outstanding interest on my student loans. Both reps said they would take care of the situation, but every month, I keep getting late payment notices ( see XX/XX/XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/27/2018 about Debt collection (I do not know) with Law Offices of Robert J. Colclough, III (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have never had account with this company! Called XXXX XXXX XXXX. Ive never giving them my personal information, such as address, phone number. My date of birth .. this company has called me threatening me, access my credit report without my permission to report a account that isnt mine nor have I ever open account with them. I am asking for documentation with poof, to how they are verifying that this debt belongs to me saying this account is mine? Ive had my credit report locked with XXXX. Still they where able to access my personal information. I have gave no permission to .. calling me, harassing me, I am asking for this account to be deleted off my credit report..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (MD).
Issue: Struggling to pay mortgage

Complaint: In XXXX XXXX, I became sick and was no longer able to pay my monthly mortgage by XXXX XXXX. I stayed in constant contact with Chase Mortgage in reference to my situation and applied for a loan modification on 5 or more occasions with no success. Each time that I was denied due to lack of sufficient income. I offered to do a deed-in-lieu of foreclosure and asked for relocation assistance. I was told that I would have to do a short sale first. I explained that doing a short sale would mean that I would have to have buyers come in and out of my home. I was not in a position medically to accommodate that. I explained to them how my XXXX, along with the various medications affected me on a daily basis. I inquired whether there were any emergency funds available to assist with paying my mortgage until my condition became stable enough for me to resume full-time work. I have been very proactive in doing whatever I can do to avoid foreclosure. A foreclosure action was filed with XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Wrong addresses and names or spellings of my name and variations on my address are making it inaccurate and violates FCRA that states it should be 100 % accurate. there are inquiries I do not recognize and original creditors can not locate my information. 

1. XXXX XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX XXXX ( XX/XX/XXXX ) 5. XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 6. XXXX ( XX/XX/XXXX ) 7. XXXX XXXX ( XX/XX/XXXX ) 8. XXXX ( XX/XX/XXXX ) 9. XXXX XXXX ( XX/XX/XXXX ) and Equifax is reporting 1. XXXX XXXX ( XX/XX/XXXX ) 2. XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) 4. XXXX ( XX/XX/XXXX ) 5. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 6. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 7. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 8. XXXX ( XX/XX/XXXX ) 9. XXXX XXXX XXXX  ( XX/XX/XXXX ) 10. XXXX ( 1XX/XX/XXXX ) 11. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 12. XXXX XXXX ( XX/XX/XXXX ) 13. XXXX XXXX XXXX ( XX/XX/XXXX ) 14. XXXX ( XX/XX/XXXX, XX/XX/XXXX ) 15. XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) 16. XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX, my wife and I bought a house together. XXXX, we were separated and the mortgage was refinanced into her name only. Between XXXX and XXXX, I had no mortgage reporting on my credit files as I did not own a house. In XXXX, Ocwen Loan Servicing suddenly began reporting a 120 day late XXXX mortgage and a 120 day late XXXX mortgage. I have made countless calls to Ocwen only to be transferred to a call center with someone trying to collect on these loans. I have sent over XXXX letters to Ocwen requesting validation of these accounts ( knowing that they are not mine ). Ocwen refuses to comply with my requests. I have submitted numerous disputes with XXXX, XXXX and XXXX XXXX with no success.

Company response to consumer: Closed
Consumer complaint received 09-01-2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: Account has been open since XXXX XXXX XXXX.
My boss made a payroll deposit XXXX XXXX XXXX by BANK TRANSFER. This procedure took 3 business days, so we tried to do a PICTURE UPLOAD of his check the NEXT pay period.
This took place XXXX XXXX XXXX  and the funds were transferred OUT of his account that very night., and made available to me the next day.
This only lasted a few hours, because they FROZE my account for suspected FRAUD!
I did speak to a security team member who told me they were automatically closing my account and they would send me a check for my funds in 5 -10 business days.
Being a credit card customer for years did n't make a bit of difference, even after I tried to explain the deposits and offered verification for this.
After useless follow up calls and faxes, it is now 2 full weeks later, and they have not fully closed my account OR sent me a check with MY MONEY.
After each call, all they tell me to do is leave a message with the team ( intake only ) and they will call me back ... well I DO, but they DO N'T.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint: I was seeking information on lower interest rates for mortgages for my Daughter. When the form asked for my SSN, I opted out not wanting to give my SSN since I was not inquiring for myself. At this point I assumed it would close the form and no harm done. This appeared as a hard inquiry on my XXXX and Equifax Credit Report that resulted in lowering my Credit Scores.The company that filed the inquiry was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay and they are saying that I am 180 days late for 5 months in a row and 150 days late 120 and 90 days late this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$50000.00}????

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 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The Credit Agency incorrectly shows a number of late mortgage charge against our account, in all about one year of errors in reporting. There were Zero late charges against our XXXX account in 2016. This is unfair, we attach two pages, a XXXX statement called the " customer account activity statement '' and there are zero late charges on this XXXXXXXX XXXX XXXX Statement.
We are being gravely harmed by the Credit Agency, as this report is stopping us from  getting a mortgage. Their delay has cost us a serious increase in price of a house purchase. Also, an increased payment for 30 years, as interest rates have increased .. A loss of home enjoyment, because at XXXX, this lost time is invaluable. House prices and mortgage interest rates are continuing to increase rapidly in our area of intended purchase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: hippa, crainaccurateinformationviolates my cra 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 10-11-2016 about Mortgage (FHA mortgage) with Fairway Independent Mortgage Corporation (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a Chapter XXXX in XXXX. I received information from my mortgage company regarding a loan modification, which I immediately responded to. I had sent all of the documents requested, I have even continued paying my mortgage on time. I have left messages for the manager to contact me and I have not heard back from anyone. I have expressed the struggle I am having to pay my mortgage and I am being ignored. I also asked that they take me off auto pay as I need time to catch up with payments and they refuse to assist me. My account is in the negative because they did not honor my request. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Checking or savings account (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: On XX/XX/XXXX I contact Huntington Bank about payment for home and auto insurance with Huntington Back. which was due on XX/XX/XXXX, I was told that it was return, because I did n't have enough fund in my  account. I inform her that I had sign up with Huntington Bank Debit Overdraft Service. she said that the bank has discretion and I said I know, this is my first time. she put me on hold to talk to someone else. she came back and said it because I was a new customer. I told her that it was't mention when I sign up for ODP. prior to this incident I ask a teller about the 24 hour grace period that they advertise on the TV ad. I was told by the employee, that the bank has discretion. I told him that the TV ad did't mention about discretion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/17/2015 about Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: We ( my wife and I ) working with a Forensic Mortgage Analyst found that our mortgage had been handled improperly and are looking for relief. The big " Banksters '' were bailed out with our tax dollars. The States fined the banks and won money from the banks. I am an individual working to be a good citizen. I want to know where my bailout is??? Please read attached Forensic report for more information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is concerning Equifax XXXX XXXX XXXX, and XXXX XXXX XXXX of a debt totaling {$1600.00}. I contacted XXXX XXXX XXXX and XXXX XXXX XXXX. I proved to them that I was and is a victim of Identity Theft. XXXX XXXX XXXX and XXXX XXXX XXXX validated the debt as mine, yet neither have provided any documentation legally linking me to the account. XXXX XXXX XXXX and XXXX XXXX XXXX seem to be unaware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', This complaint is also formal request that the bureaus ( EQ XXXX XXXX ) and XXXX provide the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( XXXX ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 168li ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I also request legal FCRA Validation of Debt What the money you say I owes is for ; SIGNATURE AND COPY OF ID FOR SAID DEBT Explain and show how you calculated what you say I owe ; Provide me with copies of any papers that show agreed to pay you XXXX XXXX what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CORELOGIC INC (FL).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: I had ordered my credit report and noticed that there is a eviction on my record on a address that I never lived at and the address in question is XXXX XXXX XXXX XXXX XXXX.Please delete negative item off my report

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 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TD BANK US HOLDING COMPANY (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: I have a TD bank credit card. 
They had the wrong address for me and so I was not receiving my bills for a few months.My unit is XXXX and all my TD bank mail was sent to unit XXXX and I was not getting any of it. Although I tried a few times to get it corrected it took a really long time. In addition I did not have online access since I did n't have my card because it was mailed to the wrong address they had and I needed the card to set up online access. So I was sending payments from my personal bank online bill pay and it took a long time for it to get processed since my bank needed to snail mail the payments out. During this time I had 2 late payments over 30 days less than 60. 
These are the only late payments on my credit report. 
I called TD bank and they said I should file a dispute with XXXX and get back to them. I did. under file number XXXX. I stated my reason that the address was wrong and so I was not getting my bills. The investigation came back with no changes. 
So I called TD bank and spoke to XXXX who says her ID is XXXX. And she spoke to her manager. She told me because it was n't a 'bank error ' they could do nothing about it. 
She suggested I file another dispute. She said there was no other department to talk to. 
I pointed out it would be silly to do the very same thing I did and expect different results. 'But nothing Right now I just want to talk to someone who can clearly explain the matter and work with me beyond just telling me to do what I already did. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: In XX/XX/XXXX I disputed an account reported XXXX XXXX XXXX XXXX XXXX under XXXX XXXX XXXX XXXX, XXXX in the file that was maintain under my Social Security number for {$780.00}. 

I requested debt validation of the debt and after months of disputing this alleged debt it was deleted from my account under XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX by XXXX   and XXXX. 

Now I discovered that the item has been reinserted on my credit report by the same buyer ( XXXX XXXX XXXX XXXX, XXXX ) who moved it to an associated collector XXXX XXXX XXXX. This collector refuses to give appropriate debt validation and mentions that they are closing the inquiry that I requested on their XX/XX/XXXX correspondence ( attached ). 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), the credit bureaus are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. This is a very serious violation of the FCRA. XXXX XXXX XXXX attempt to override the law by reporting this alleged debt on my credit reports under their company XXXX XXXX after it was removed by both bureaus as XXXX XXXX XXXX is unconscionable. Unfortunately, the credit bureaus did not inform me of the reinsertion is even more regrettable. 

Therefore, I request that the credit bureaus delete XXXX XXXX XXXX from my account as it is related to XXXX XXXX XXXX ( which was previous removed ).

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: I purchased a car in XXXX and got a loan fm Capital One. 5 months later ( XXXX ) I receive a letter indicating Capital One will share my personal information ( soc sec #, income, account balances ) with their affiliates. If i choose not to share, I need to contact them to opt out, which I just did. When I spoke to the rep and asked whether my social security information had already been sold to third parties since my loan started 5 minths ago, he indicated yes that information has been sold. My question is " is n't it illegal to sell people 's social security numbers ''? It increases fraud, and I do n't think companies should profit off of selling other 's confidential information without their consent. 

The rep said now that I contacted Capital One, they will stop selling my information for marketing purposes, but it 's too late. They aold my information to a third party, and now that third party will likely sell to another party. Capital One is in ore than the loan business. They are using it to take other 's confidential data and profit off it. Meanwhile, I have the concern of identity theft. I think there should be laws to punish companies that share people 's confidential data without consent. I would like to know where the CFPB stands on this issue and what are my options at this point? My info has already been shared with many I 'm sure. Had they sent me the letter in XXXX, when I got the loan, I would have opted out. They waited 5 months and after they have already sold my information to send me this letter. Shady, very shady company.

Company response to consumer: Closed with explanation