milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2015 about Student loan (Non-federal student loan) with AES/PHEAA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: XXXX at XXXX XXXX, XXXX, XXXX ( Closed due to Fraud ) Below is the letter I sent to the President : XXXX XXXX XXXX XXXXPresident and Chief Executive OfficerAmerican Education ServicesXXXX XXXX XXXX XXXX, XXXX XXXXI am writing you with a very heavy heart. I am extremely disheartened and dissatisfied with the level of insensitivity and lack of understanding and communications received from American Education Services ' ( AES ) representatives regarding my account. I am requesting immediate release of financial responsibility for the above-mentioned account regarding payment for an educational/discipline program at the XXXX at XXXX XXXX ( XXXX ). It is evidence that XXXX is " not '' an accredited educational establishment. However, when I took out this loan, I was told that they were. I have struggled with this loan from the very beginning and have spoken with numerous representatives over the years concerning my hardships : XXXX being financial and the other a divorce. However, I only received temporary relief and a larger outstanding balance. 

Additional information : I have attached documentation from the Attorney General 's office that confirms XXXX was a " Fraud ''. On XXXX XXXX, XXXX AIR was ordered by the State of XXXX to pay civil penalties of {$250000.00} to the Attorney General 's office for issuing unauthorized high school diplomas. The program was furthered order to make partial refunds to parents ( I never received such a refund ), stop issuing diplomas, and stop marketing itself as an accredited school. XXXX applied for permission to issue diplomas from the XXXX State Department of Education and was denied permission on XXXX XXXX, XXXX. The Department, in its rejection letter to XXXX, stated that it had determined XXXX was primarily a behavior-modification facility and not a boarding school. A lawsuit against XXXX for issuing fake diplomas was also filed and a judge upheld its validity in XXXX XXXX. These incidents are what led XXXX 's enrollment to drop from approximately XXXX students to less than XXXX, and ultimately led to its closing. I too think that is was unjust for American Education Services not to notify me of such allegations and continued to accept payments from me. 

I am asking that you have compassion, thereby eliminating my outstanding debt as well as send communications to all credit bureaus to have them remove the item as well. 

Thank you kindly for your consideration, time and immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Mortgage (FHA mortgage) with LoanCare, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: {$1600.00} was removed from my checking account with XXXX Bank in error, on XX/XX/XXXX. On XX/XX/XXXX I notified LoanCare Servicing, and provided documentation that the payment had cleared. As a side note, my mortage payment due for that month was XXXX, so I have no idea where the amount taken was coming from. On XX/XX/XXXX the mortgage payment from the correct checking account with XXXX was posted at LoanCare. Meaning duplicate payment was made. I 've attempted to have funds returned to the XXXX account since XX/XX/XXXX, have called 5 times, XX/XX/XXXX, XX/XX/XXXX - at which point the issue was 'escalated ' by them, XX/XX/XXXX - at which point I was told I had n't given enough time after escalation on the XXXX and the first week I had already given them did n't count, XX/XX/XXXX - at which point I was told that I should expect the funds returned by XX/XX/XXXX, XX/XX/XXXX - where I was told they did n't know why it had n't been done yet, but that they would 'priority escalate ' and it would be looked at in a couple hours, and again on XX/XX/XXXX - to be told that I would need to wait an additional 48 hours for the 'priority escalation ' to be looked at, and they were n't sure why I was told it would be a few hours. It 's become clear that 'escalation ' is just a tactic to buy additional time and get me off the phone, and they have no intention of returning the funds removed without my permission. I filed a case through XXXX bank on XX/XX/XXXX, to try to recoup the funds that way. Additionally I have received no correspondence at all on this issue from LoanCare, the only communication has been initiated by me. I have spoken with the following LoanCare representatives ; they provide their agent # s at the beginning of calls : 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 05/22/2017 about Student loan (Federal student loan servicing) with Credit Adjustments Inc (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I had a student loan go into default and in XXXX of XXXX, I went into a rehabilitation program with Credit Adjustment. They sent me paperwork and I signed all the paperwork and they have been taking payments since XXXX and they stopped in XXXX with no notification in writing as to why. In review of my bank account I realized the amount agreed upon was not being deducted this is when i called to the collection agency and was advised that I did not qualify for the rehabilitation program because they made a mistake. In XXXX XXXX, I was put through an approval process and I complied with all requirements in a timely manner, I was approved and the agreement was signed and everything was fine. I have spoken to them on several occasions about the problem with no success of getting them to honor the agreement. I have not received a definite answer other then the fact that she does not qualify. Why did I qualify in XXXX of XXXX and not in XXXX of XXXX? I have the signed agreement and all the paperwork from XXXX of XXXX. I just wants them to hold up their end of the agreement. I has completed everything they have ask of me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Debt collection (Auto) with NEW CITY FUNDING CORP. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is a debt from 5 years ago it was voluntary given back to them saying still owe debt but he is not telling me exactly how much I owe told me had to make a payment before telling me how much I I owe and told me had to give him a routing and account number which I do n't agree with said would n't take credit card not giving my personal bank account information

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Loan modification,collection,foreclosure

Complaint: Wells Fargo is my mortgage servicer and they are attempting to foreclose on me with out due diligence. They have not demanded me or given me any notice of default but are saying that they can use a demand from 12 months ago. I have been blocked from making payments and they are not willing to negotiate with me regarding any remedies.

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 12-07-2015 about Consumer Loan (Vehicle lease) with ALLY FINANCIAL INC. (IL).
Issue: Managing the loan or lease

Complaint: I have been in contact with Ally Financial 's overseas customer service department, then their fraud department, then several supervisors, and never received several return phone calls as promised about the fact that they have erroneously reported that I paid XXXX payments thirty days late to the credit bureaus, when even by their latest missive that is INCORRECT. A single car payment was {$660.00} per month at that time. Many attempts to have this rectified have them ascertaining that they reported it correctly ; when from what they 're saying and what they sent to all of the credit bureaus {$1200.00}, is not reflective of what they, themselves is incorrect. I have been going on with this issue for two months and either they are n't doing the math, or they 're just refusing to correct their errors. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Debt collection (I do not know) with Financial Filing & Reporting, Inc. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: called and said they have been trying to contact me and will take matters in their own hands.

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2017 about Mortgage (Other mortgage) with Residential Credit Solutions, Inc. (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Our original mortgage servicer was with XXXX. We were in the middle of being approved for a modification when our mortgage was sold to Residential Credit Solutions in XX/XX/XXXX. They requested that we start the modification process over, which we did. They requested our income and tax information one at a time which delayed the process. We had to call continually to get updates, only to be told that they did not have documents that we had already sent in. They then sent us a statement saying that we had an escrow surplus, which we never received. Next, RCS sent an appraiser out around XX/XX/XXXX, paid the home insurance for the XXXX year without notifying us, while no longer accepting our payments. Throughout XXXX, we continued to follow up on numerous occasions to see if we have been approved for the modification, only to be told by the mitigation rep that our account needed to be sent to the underwriter for review. The results of that review never came, instead, we received a letter from their attorney in XX/XX/XXXX stating that they had been retained to initiate foreclosure proceedings. 
Residential Credit Solutions failed to honor the trial loan modification that we entered with XXXX. Instead of honoring the previous agreement, Residential Credit Solutions insisted that we re-prove that we were qualified. By refusing to honor the previously agreed upon loan modification, Residential Credit Solutions effectively set us back as though we had not received a trial modification. This prolonged our loss mitigation. Residential Credit Solutions ' actions put us in loan modification trial period purgatory and confused us about the status of our modification, making it difficult for us to take the appropriate action. 
We ended up losing our home in XXXX. We were sued by the home owners ' association for {$2700.00} after we were foreclosed on which resulted in a garnishment of wages. Our credit was ruined and the foreclosure is still on our credit today preventing us from obtaining another loan. It has caused stress on our marriage and required both of us to take time off work. We were subjected to collection calls, late fees, and default and delinquency notices.

Company response to consumer: Closed
Consumer complaint received 03-06-2017 about Credit reporting () with WELLS FARGO & COMPANY (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX MD XXXX WF CRD SVC Attention : XXXX Date : XX/XX/2017 To whom it may concern The purpose of this letter is to Dispute and to request and expungement of the above referenced account. 

I do n't recognize the accounts in question. There should be no further effort to enforce or collect on this account and, therefore, I am requesting that the Fms WF CRD SVC Vacate, withdraw and/or expunge. 

Please forward a copy of the withdrawal and/ or expungement to the address listed above in this letter. 

Your prompt attention to this matter is greatly appreciated. 
Thanks, 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 10/31/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Good Morning, Attached you will find requests for investigation as early as XXXX XXXX, 2016. I have attached the response to the requests or lack of I should say. I have asked 3 ( three ) times for Transunion to investigate and correct or delete items. I have also asked for a " detailed investigation and provide how the investigation was conducted and the details associated with them '' I have also called into the company because i am receiving unwanted credit inquiries. As part of paying XXXX a month, Transunion has a " credit freeze '' When i attempt to " Freeze '' my credit it says there is an error. 

No less than 3 times i have called on this. EACH TIME they tell me they can NOT fix this. How can Transunion, a CRA, NOT be able to fix and STOP inquiries coming in? 

Not only are they causing damage by NOT investigating complaints or responding, Transunion is allowing inquiries to appear and putting the burden on me a consumer, to do their work. If their product worked as advertised and paid for, i would not have the inquiries. 

Thanks for looking into this for me. 

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 12/16/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I applied for the XXXX XXXX XXXX program. I sent in the application after working at XXXX XXXX XXXX for 5 years as a highly qualified full-time XXXX XXXX for XXXX XXXX XXXX. In section two of the application, I marked that I XXXX  at an eligible XXXX XXXX then below that it says to check all that apply so I checked the box that says that I was a highly qualified full-time XXXX XXXX for XXXX XXXX XXXX  with a forgiveness amount of up to {$17000.00}. Then I also checked the box below that because it also applied to me since being a XXXX XXXX I am also considers a full-time XXXX XXXX XXXX with a forgiveness amount of {$5000.00}. When I got the letter back from the loan service that said my application was accepted in XX/XX/XXXX2017, they only forgave {$5000.00} when it should have been {$17000.00} since I am a full time XXXX XXXX. So when I called about this I got many different messages, some people sent me to other places when later I found out that they do all of the paperwork and accepting in house. Then one person told me since I checked the second box they are required to only forgive me the lowest amount. Then I had to have my XXXX send in a letter on district letterhead that said I was a full time XXXX XXXX for those years. This is not necessary and they are making me jump through hoops that I should not need to jump through since I followed the instructions on the application form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (I do not know) with Turning Point Solutions LLC (DE).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I keep getting messages from some company that I have never heard of threading a wage garnishment for what I do n't know. When I call the number left in the message it 's to an employment line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (WI).
Issue: Deposits and withdrawals

Complaint: I have had Wells Fargo as a secondary bank account for years and have had to close my account for too many issues regarding fees and fraud. The final straw was a fake check that was allowed to be cashed and the horrible way in which it was handled in order to have the money replaced. It was a substantial amount and until the police became involved, I was getting resistance from Wells to put the money back even though they admitted that the check was fake, not written or approved by me, and that it may have been an inside job.

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 02-10-2017 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (GA).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: They call me all the time every day and Threatening, if I does not give my name and address the will damage my credit bureau. I answered, I do not have to give private information to anyone by phone and they insist. This action is repeated multiple times a day. The Agency name is Southwest credit system.. Phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I have an ongoing investigation with Macy's/Citi concerning 2 accounts with fraudulent transactions. The first, I opened and have used for several years until XX/XX/2016, when I identified fraudulent purchases. I notified Macy 's ( store ) who could not help. I had to call the credit/security department during their regular hours, M-F XXXX ET. Living in XXXX., that is n't easy to do when you are working .None the less, I did, I received and completed the needed affidavits/statements concerning the purchases. Not long after, I saw that a new account was opened ( I did not authorize ) which had many transactions. Some orders I was able to cancel and several items were mailed to various addresses around the country. I never even received the card. I also saw that my email address for confirmations was changed ( not be me ). It was just slightly different than my own. I have been receiving calls from " apparently '' the Macy 's fraud department. No messages are left. Today I called back and I was told that they could not tell me why they were calling. I looked at the closed accounts which still show a past due balance and I receive payment notices. I placed an outbound call to the phone number I had and spoke with XXXX, # XXXX and explained that the calls must stop and the accounts closed and balances charged off. I am concerned that the derogatory credit will be provided to the credit bureaus and I will be left with the mess. It has been more than 90 days. I do not want a derogatory report submitted, even if it is later corrected.

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 08/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have been in constant contact with XXXX XXXX with Equifax. I initially emailed the CEO because I noticed numerous accounts in good standing were being removed from my reports without any notification. I received an email back from XXXX to contact her. I advised her of what was showing on my reports and what was missing. She said she would do an investigation and would see about getting these missing accounts back on my report. Fast forward to XXXX, I tried to get my three fico scores from XXXX. I could n't because again Equifax was n't releasing my information. I contacted XXXX again who basically told me to NOT contact her again and to contact the regular customer service. Today ( XXXX ) I tried to get my updated scores through my subscription with XXXX and again Equifax is coming back with an error. I have n't gotten any real info from Equifax as to why this is STILL happening and WHY accounts in good standing ARE STILL BEING REMOVED. I think it 's absurb that I dispute accounts that are wrong and they come back verified but I do n't dispute accounts that are in good standing and somehow they are removed. I also sent proof that my student loans were n't late for a certain period and they have yet to fix that!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I sent XXXX XXXX XXXX TransUnion, and XXXX a letter requesting verification and validation for account number XXXX requesting original documentation in its original form with signatures. During the time the loan was taken I was in XXXX so I know I dont have a contract. They didnt not give me a full and Thorough investigation._1

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 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My XXXX 's credit card starting with XXXX was opened XX/XX/XXXX. 

Ever since opening the account, I have had issues getting paper statements as well as paperless statements sent to me. A XXXX 's store associate informed me on XX/XX/XXXX that I need to make a payment and as soon as I got home, I made a payment. I wasn't even aware that I had a XXXX 's balance. I didn't get any calls, any letters in the mail and all my emails from XXXX XXXX XXXX were going to my " spam '' folder which I only discovered after the fact. 

My credit reports reflect late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

SSN 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