milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: Step 1 : What is this complaint about? 
Back in XXXX I transferred all my credits from XXXX college to XXXX XXXX, graduated in XXXX ; however, the school was shut down and no longer accredited. 

Step 2 : What type of problem are you having? 
I 've been to several job interviews and my degree is not accepted due to the accreditation. I 've been told the that my transcript and degree not accepted or recognized. I lost my job on XXXX XXXX, currently back in school pursuing another degree at a junior college. 

Step 3 : What happened? 
The Board of Education did not recognize XXXX-XXXX XXXX ; therefore, the grades/transcripts are not transferable and degree not recognized. 

Step 4 : What company is this complaint about? 
XXXX-XXXX XXXX, CA Step 5 : Who are the people involved? 
I currently owe money to XXXX ( Private Loan ) Total {$14000.00} and XXXX ( Department of Education ) Total {$39000.00}. My original loan was {$77.00} XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Debt collection (Auto debt) with ALLY FINANCIAL INC. (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: This is an update to my prior complaint number XXXX. I was advised today that XXXX from Ally Financial, who I have previously complained about has attempted to contact the pastor who married my wife and I on XX/XX/2017 and  contacted the woman who did my wife 's make up. He has contacted my old employer on too many occasions to put down in this complaint. He has also contacted my ex-wife, her family and all of my family members. I have no issue with him contacting me, but this is clearly harassment now and a violation of the law. He needs to be stopped or I will take legal action.

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 08/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was evicted from my aprtment complex due to my rent going up and me not being able to afford it. I was getting assistance from XXXX company so that I could pay a portion of my rent. My apartments filed against me stating that I owed an amount of about XXXX. I was taken to court and there I filed a paper affadavit since I wasnt able to afford to pay that much. I was told to pay to the clerks office a set amt each time so that I could eventually pay off the debt. Each time that I made a payment I would get a receipt. When the time had come for my final hearing in court, my apartments stated that they sent me a letter and even called me to inform me of the court date. I received the letter of notification in the mail weeks later. I was eventually put out of my apartment and had to move in with my parents. Shortly after this I was contacted by National Credit Systems and was informed of my debt to my apartments. I was totaling over XXXX. I started on a payment plan with the company for {$50.00} a month. Everything was going smoothly until I was charged XXXX one month. I spoke to a supervisor and it was straightened out. I continued to make payments of {$50.00} a month. They were taking out my payments on different days which was n't discussed with me. I was charged XXXX again for {$50.00} and told them that I did n't want to be on monthly billing anymore. I was charged every third and fourth Thursday or at least that when I was supposed to be charged. I started to make payments on my own and got my balance down to just a little over XXXX the balance was XXXX to be exact. I was going to make a payment of {$300.00} around XXXX. They stated that my balance was XXXX. I asked XXXX which is the person that handle my acct. She stated that there were fees added from XXXX. I wanted more clarification on this matter and spoke to her supervisor. she stated that she would do more research and call me back. She didnt return my call. I called back 2 days later and was told that my balance was XXXX. I asked again why the balance was different and was argued with. I am trying to be an honest customer and pay my debt but I refuse to do so if a company wo n't clarify why the amt of the debt increased. I hope that this complaint is researched and I receive a follow up for it very soon. Thank you for your time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Debt collection (I do not know) with Viking Client Services, Inc. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I do not have a reason for a debt collector to call me. One message has been left and when I XXXX the number is seems from other it is not legitimate. They are just trying to collect personal information. The numbers are XXXX XXXX XXXX and XXXX XXXX XXXX constantly calling.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Other debt) with Riverwalk Financial Corporation (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX XXXX XXXX is attempting to collect a fraudulent debt. This account was opened in my name as a result of identity theft. I have contacted the collection company and they have been exceptionally rude and threatening when I have tried to explain to them that this is a fraudulent debt. I have also notified them that the date of the debt that they are attempting to collect is more than 7 years old in  addition to the fact that the debt does not belong to me. They continue to threaten me and talk rudely and nasty on the phone. This is not my account and it is as a result of fraud, and it is beyond the statue of limitations for them to even try to collect if it was not a fraudulent debt, but it is INDEED Fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2015 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: In XX/XX/XXXX, our rental property mortgage fell behind. Due to tenant non-payment for many months. At that time, XXXX XXXX XXXX was the mortgage lender. XXXX XXXX XXXX suggested a loan modification. Paperwork and required documentation was submitted several times, for a modification, which in turn was never received by XXXX XXXX XXXX. After many failed attempts at a modification, the loan was them sold to XXXX XXXX XXXX. 

XXXX XXXX XXXX would not accept any payments and also suggested a loan modification. Again after several years and failed attempts at a loan modification, the loan was next sold to Fay Servicing. 

XX/XX/XXXX, Fay Servicing agreed to a loan modification. While the modification process was in place, Fay suggested submitting a forbearance. The initial forbearance payment was made with the intent of completing the loan modification. We agreed to proceed with the modification and a good faith down payment amount was set. A few months later, Fay Servicing contacted us and dismissed any prior agreements to a loan modification. The property currently is a rented and the lease is set to expire XX/XX/XXXX. According to Fay, they will not do a loan modification unless the property is owner occupied. If this is the only way to achieve a loan modification then I will move back into the property after the renters lease is expired. Fay will not explore this option unless I have documentation of owner occupied for the past few months. This is impossible because the property is currently occupied by my renters. 

In XX/XX/XXXX we could not pay the mortgage and fell behind. In 6 years time, we have saved money and paid off debt. We currently do not claim to have a hardship but do request a fair settlement for this property. Fay currently has set sell the property at foreclosure on XX/XX/XXXX. We currently are behind over {$80000.00} owed to Fay but have been unable to make payments due to the many transfer of the note over 6 years. The amount owed is well below what the property is currently valued. 

We ask Fay Servicing make good on the initial loan modification agreement and keep in mind the property will be owner occupied within 3 to 4 months time.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (GA).
Issue: Charged fees or interest you didn't expect

Complaint: On XX/XX/17 I applied for a loan with the above mentioned company and before applying I was never advised of what interest rates would be. Once I applied and was approved I was told that my {$400.00} loan would be {$110.00} but I was never informed that it was biweekly as opposed to a month. I still, do not have any documentation from the company with the interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for  WAKEFIELD & ASSOCIATES  license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-101  . WAKEFIELD & ASSOCIATES does not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-105 states no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager who has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT 62-20-123 states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. WAKEFIELD & ASSOCIATES is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.

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 12/16/2015 about Mortgage (Home equity loan or line of credit) with Specialized Loan Servicing LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I have a loan with Specialized Loan Servicing for nearly 10 years. The loan payment increased as a result of the GOING TO TERM from Interest Only. The XXXX payment was made via AUTO BILL pay for XXXX versus XXXX. The XXXX payment was received before due date and once we realized that it was less the the minimum I contact SLS and made a payment for the balance prior to end of GRACE Period. SLS is taking XXXX of the payment for maintenance and not my full payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: XX/XX/XXXX Started and online dispute with experian Report number:XXXX tried to check status there system states number is incorrect. 
Call them XX/XX/XXXX at XXXX there is no option to correct this issue

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 08/21/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I ran my credit report XXXX 2017 as I am attempting to purchase a home ... I saw XXXX XXXX XXXX on my credit report. I contacted XXXX XXXX, I attempted to have it removed, they claimed that it was valid so I contacted the collections agency, I advised the agency that I needed it removed and cleared from my report, they promised it would be removed once I paid so I paid it but it still remains on my report, the balance is now XXXX but XXXX XXXX still shows under the collection tab with a XXXX balance. I need this removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Closing/Cancelling account

Complaint: Bank of America closed my account on XXXX/XXXX/2015 and never informed me. My statements, both paper and electronic, do not reflect a closed status, and clearly indicate that I have available credit. If an account is closed, then there is no credit available, and the statement should list {$0.00} as the available credit. I would like the CFPB to either force BofA to issue accurate statements, or reinstate my card to a status that matches the statement.

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 04-06-2015 about Debt collection (I do not know) with Solidus Group LLC. (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Left a detailed message on my husband 's voicemail ( attached ). Contacted a number of my other relatives sharing information about the alleged debt. Indicated that he was working with the XXXX XXXX Attorney ( who is actually the attorney for the XXXX XXXX XXXX XXXX, not involved in criminal or civil suits ). Alleged debt is fraudulent and has no basis.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I urgency, I have been trying to obtain a copy of my Experian credit report since XXXX 2016. I have written to Free Annual Credit report for my Experian file and sent them my address details ; date of birth ; I have been on line to Free Annual Credit Report and requested a copy of my Experian file and I have been denied. I have telephoned and requested a copy and was denied. Why am i unable to receive a copy of my Experian Free Annual Credit Report, I have received my XXXX XXXX and XXXX but not my Experian file ... I need my credit report URGENTLY and it is my right and I should not have this problem.

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 05-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: My case was closed today after the company provided a response. When I read the response I wanted to offer feedback but the option was not allowed to open as the link stated file not found and the case was closed. Case number was  XXXX  against Bank of America who is charging late fees. In their response they stated the payments were automatically refunded, but this is not true as I had to call and was told by their staff I had to call to have them refunded. Overall I am not satisfied with their response and the overall length in time it took to respond if the response was that simple. There is no language to suggest that they will change their language as I had requested in my complaint.

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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Im a victim of identity theft and have had a fraudulent personal loan opened in my name with a company by the name of XXXX XXXX I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. The address on file that XXXX XXXX have for this fraudulent account does not belong to me, and Ive never resided at the address. This company keep trying to validate this account as being a valid account, because this account was opened in my name which in inaccurate. I didnt consent, authorize, apply, nor request for this fraudulent personal loan to be opened in my name. I have several documentations showing that this is a fraudulent personal loan, but this company keep trying to validate this account with the credit bureaus as if this is a valid account. The address on file is does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. The XXXX police department deemed this fraudulent account as a fraudulent personal loan, and it is documented with the XXXX police department that, Im a victim of identity theft. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. When a consumer is a victim of identity theft that account that was opened in the consumer name will show that the account is a valid account. Due to the fact the perpertrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in the consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this consumer. Im not going to be liable nor responsible for a fraudulent personal loan being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files asap, and for this fraudulent personal loan to be removed out of my name immediately.

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 11-03-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Midland Credit Management , Inc gave me settlement option on a XXXX XXXX  debt.The change the option to full payment after I missed, the last payment fromXXXX to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 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: I was a victim of Identity Theft. Several Accounts were opened fraudulently in my name. I submitted a Police Report and Identity Report to have this information blocked from my report to XXXX, TransUnion and XXXX. Unfortunately, the credit bureaus have refused to remove all the credit inquiries that were tied to this identity theft. They only tell me to contact the original creditor who I have no relationship with. Please assist me in having the credit bureaus remove all the credit inquiries that are still affecting my credit due to the Identity Theft I have endured.

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 10/26/2017 about Student loan (Private student loan) with AES/PHEAA (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: XXXX XXXX XXXX ( XXXX ) has been notified several times that the cosigner ( father : me ) wishes his name to be removed from legal obligation on the contract of my son 's college private loan. The loan in question is dated XXXX/XXXX/XXXX with an outstanding balance in excess of {$8000.00}. He graduated in XXXX, XXXX and has met or exceeded his payment obligations every month since then. He is now married and has a joint income of more than {$120000.00} ; his personal income exceeds $ XXXX/annually. Clearly, he is able to meet his own obligations relative to educational loans. 

I have contacted American Education Services ( AES ) numerous times. AES contacted XXXX in XXXX, XXXX and in XXXX, XXXX, and XXXX, XXXX. All contacts have received no responses. 
My complaint is with XXXX. Not with AES.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Mortgage (Reverse mortgage) with NATIONSTAR MORTGAGE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Needed to update occupancy of reverse mortgage with Champion Mortgage Co. misplaced request but sent it in when we found it. Also talked with their representatives twice on the phone to verify occupancy. The company charged us {$20.00} because they say they sent a representative out to verify occupancy but they will not send us a copy of the report and no one ever talked with us indicating they were sent out to verify occupancy.

Company response to consumer: Closed with explanation