milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-12-2015 about Student loan (Non-federal student loan) with AES/PHEAA (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have a Private loan serviced by AES. The lender is XXXX. I attended the University XXXX XXXX in NC and received a XXXX. I could n't obtain employment so I went back to school and attended XXXX XXXX XXXX College and obtained an XXXX. During my time in school I obtained several government student loans and I honestly do not remember obtaining a private student loan at all. I have asked for a copy of my application to confirm whether this is my loan and AES has refused. I decided I would go ahead and pay the loan to protect my credit. I have been paying on this loan and have never been late but the balance keeps increasing. AES has been applying all of my money to interest & not principal. The alleged original loan amount was XXXX and now they have me owing over XXXX. Over the years they have changed the interest rate & payment amount several times without notifying me. Just recently that interest has gone up again, therefore my payment has also gone up. I really value my credit rating that is why I continue to pay on this loan, but I really need someone to help me with getting confirmation from AES and XXXX to confirm that I actually signed for this loan and to review my loan documents to ensure that the terms of the loan are legal. I am pleading for the government to do a thorough investigation of AES and XXXX in reference to their loan practices. I feel they are taking advantage of honest hard working students seeking to advance their education in order to make a better life for themselves. It is very shameful and disgusting how AES & other lenders are allowed to commit these atrocities at the expense of students & their families. Thank you for allowing me to voice my concerns regarding this important issue. Predatory student loan lenders are proving to be very detrimental to a promising future. I hope that I and many other struggling borrowers can find relief. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (VA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I disputed the debt. I am not sure if the debt is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Bank account or service (Checking account) with SUNTRUST BANKS, INC. (GA).
Issue: Deposits and withdrawals

Complaint: Since filing an initial complaint against SunTrust bank to CFPB, I have encountered another major problem with the same bank. After Suntrust closed my bank account on Monday, XXXX XXXX, 2015, I was scheduled to have my social security XXXX check direct deposited into the account and Suntrust is refusing to release my XXXX funds and any other funds I already had in my account. Since filing my original claim with CFPB, received a letter from the bank stating the checks they are investigating are being held until XXXX XXXX, 2015, it does not state the bank will hold any other funds. I have spoken with a few people at Suntrust who have tried to possibly help me but have said there is nothing they can do and I will not be able to make any withdrawals. No one involved in this investigation at the bank has contacted me, I did not receive any notification that my account would be closed nor am I able to speak with anyone in their fraud department. I have had this account around four years and never had an issue like this until I complained about not receiving credit for a transaction dispute and told them I would be closing my account at the end of the month. What I am going through I feel is financial retaliation. I desperately need help because Suntrust is not giving me any kind of timeline for releasing my social security money which is my only income.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-07-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: On XXXX XXXX, 2015 I called midland credit management. I verbally requested that they send me verification that they owned the debt. I also wrote them on XX/XX/XXXX and have yet to receive anything from them at all. I have requested that they stop reporting to the credit bureaus and they have not stopped. When I disputed it with the credit bureau they responded back stating that MCM sent them information stating that they own a debt that I owe. Well, I 'm still waiting on this as I have a right to see that they do in fact own any debt that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Each credit bureaus are showing different Status. I am on Social Security XXXX. There is a federal loan and student loan Showing past due and diligent payments. I went through the process to go through XXXX discharge process. I went through XXXX. I had a doctor fill out the documents and state I am XXXX. On XX/XX/17 it was approved. On my credit report it shows Dept of education has no late days and was brought to current. But the Federal loan is still showing as late and in Delinquent status. This is hurting my credit score. They should all be the same on all reports and they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Making/receiving payments, sending money

Complaint: On the morning of XXXX/XXXX/15 I woke up, went downstairs to get something out of my car and it was gone. In a panic I called my Auto loan leasing company. They informed me that my car had been repossessed. I had set up automatic payments, so I was confused as to why they took my car. After some back and forth with the Auto loan company it came out that my monthly payments were being stopped and returned by my bank. As a result many months of payments that SHOULD have been payed were returned, and my car was repossessed. I now owe appox. {$2500.00} ( That I do NOT have ) of late payments and fees, in order to get my car back. I called my bank and was told that due to a stop payment I made on XXXX payment back on XXXX/XXXX/2015 that ALL subsequent payments were being rejected. When I asked them why, they said it was policy. I told them thats NOT what I wanted, nor was it what I requested when I asked for that XXXX payment to be stopped or when I was charged the {$30.00} fee to stop it. Then the VERY RUDE manager " XXXX '' that I spoke to basically told me tough luck, that its not their problem and an I 'm XXXX for not noticing sooner. He also told old me that I should have called them to Unstop the stopped payment. I asked him repeatedly why they would have a policy like that. He was unable to give me answer. Now I have to pay for a rental car, while i try to figure out how on earth I 'm going to come up with {$2500.00} of money I really really do n't have to get my car back or it will be sold at auction, and I will have nothing. I also now have a repossession on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Debt collection (I do not know) with Harris & Harris, Ltd. (DC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The robocall says it's from Harris and Harris Ltd and that it's a debt collection company. The recording asked me to call a XXXX number, XXXX. That is not the number the BBB has for this company. This is my second call from the same source. I have no outstanding debts with any company. I have never heard from them or any other company by mail about an outstanding debt. I have looked up the number and the alleged name of the company and have found that others receive the same type of calls. 

I have absolutely no intention of calling them but I would like whoever this is not to call me again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Despite no request for a change in address, all correspondence is being sent solely to the borrower 's attorney. On XXXX XXXX, 2015, borrower 's attorney contacted GreenTree to request that all correspondence be sent to the borrower. The borrower herself made the same request to GreenTree the next day. On XXXX XXXX, 2015, the borrower 's attorney emailed GreenTree 's attorney in the foreclosure action, and made the same request. GreenTree 's attorney responded that he had raised the issue with his client and would follow up when they responded. Today, the borrower 's attorney received documents dated XXXX XXXX, 2015 once again solely addressed to the attorney. The borrower is distressed that she is not receiving any correspondence from GreenTree herself, despite our repeated requests. GreenTree should never cease correspondence with borrowers unless specifically requested by the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Debt collection (I do not know) with Ability Recovery Services, LLC (MO).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My complaint is concerning Ability Recovery Service, PO BOX XXXX, XXXX, PA XXXX. Ability had been calling me to pay a debt identified to me only as XXXX ID XXXX. To date I have never received anything from Ability Recovery Service in writing.
Ability Recovery Service calls for three or four consecutive days every few months to demand payment. Each time I inform them that they must correspond with me in writing only and if they wish to talk to someone they must speak to my attorney at XXXX Law in XXXX XXXX XXXX, Utah. 

On or about XXXX XXXX XXXX I sent certified letter number XXXX which demanded validation of the debt Ability Recovery Service asserted that I owe. 
I also demanded proof that Ability Recovery Service was allowed to act as a collection agent for their unknown client. The XXXX XXXX XXXX website confirmed delivery to Ability Recovery Service as of XXXX XXXX XXXX. 

As of today, which is 108 days after a representative from Ability Recovery Service signed for my letter, Ability Recovery Service has neither validated the debt nor removed it from my credit files. 

In my letter dated XXXX XXXX XXXX I informed Ability Recovery Service that I will consider their refusal to respond in writing as verification that they are unable to confirm or document their claims. I furthermore informed Ability Recovery Service that this failure to reply within 30 days an acknowledgement that they are not able to validate the debt. 

A debt that is not validated can not be reported to the credit reporting bureaus. Ability Recovery Service must ensure that reports concerning this debt to any and all credit reporting bureaus are removed. The time limit for Ability Recovery Service to have  corrected my credit files expired on or about XXXX XXXX XXXX. As of today it was still being reported on the XXXX, XXXX, and XXXX credit reporting bureaus, none of which will remove it because they all report it as disputed but within the law to report it. 

This caused me real economic harm when I recently refinanced my house, as I did not get the best interest rate possible on my new mortgage. My mortgage broker estimated this cost me upwards of 0.28 % higher interest, which translates to {$25000.00} over the life of the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Mortgage (Other type of mortgage) with OLD NATIONAL BANK (KY).
Issue: Applying for a mortgage

Complaint: On XX/XX/XXXX at XXXX XXXX and XX/XX/XXXX at approximately XXXX XXXX, on information and belief, I believe that XXXX XXXX XXXX and Old National Bank discriminated against me solely based on my race, color, sex, marital status, age, and other forbidden factors. I presented all the required documents, including both of my incomes. 
XXXX XXXX and Old National Bank refused to consider all of my income such as my XXXX XXXX employment. My credit score was extremely high. My new construction loan was complete. XXXX XXXX and Old National Bank held onto my loan application for 47 days and he also imposed different terms or conditions on the new construction mortgage loan than other Old National Bank customers.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I keep getting this information reported on the XXXX credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Transunion has screwed up my credit. When I called I talked to " XXXX '' in XXXX, I asked to speak to supervisor and was transferred to " XXXX '' in Pennsylvania who immediately hung up on me. They do not answer questions or try to deal with issue. the people in XXXX can not even understand English. Due to their incompetence I can not find a place to live. They need to be shutdown and never allowed to have any influence on anyone 's life. My report is wrong and they do not care what so ever about correcting it. If something is not done immediately my next letter will be to Mr trump ( who is a family friend ) I am not messing around they are rude and incompetent.

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 01/29/2017 about Debt collection (I do not know) with ECMC Group, Inc. (ND).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I reviewed my credit report supplied by XXXX. In the report I noticed incorrect information and attempted to dispute the reporting. An Educational Credit Management Corp. was the reporting agency. I mailed correspondence disputing the debt, however, the mail was returned as not deliverable, unable to forward. I utilized the mailing address provided in the report. This reporting situation is criminal by violating the FCRA and negatively impacts my life. 
I am attaching scanned images of : the credit report and the returned mail. Please investigate and prosecute as required. I have requested XXXX investigate the issue. 
Thank You

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 06/23/2015 about Debt collection (I do not know) with Northern Alliance Management, LLC (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The caller threatened wage garnishment for a criminal complaint and said this was the final notice. I do have never had any criminal proceedings nor do I have a criminal record. The caller stated his name was XXXX XXXX from NAM Associates at XXXX. I was unable to find any information on this person and the NAM Associates I was able to find is in XXXX, NY and a forecasting agency with a phone number listed in XXXX.

Company response to consumer: Closed
Consumer complaint received 02/14/2017 about Debt collection (Medical) with The Law Offices of Mitchell D. Bluhm & Associates (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt was paid directly to the hospital around the time the collection agency reported it. I have contacted them several times and sent several faxes with the receipt showing it was paid online. They then sent me over to another company who has refused to return my phone calls. One of their agents hung up on me and told me the other company is not handling the case that they are. Whenever I call either company they say it is up for review review means that they 're checking to see if the documentation was received. The documentation was facts almost two months ago and I have confirmations from the sent fax. Whenever I contact them they give me several phone numbers but no one has contacted me back. I 've also fax to several different numbers that they gave me for their company and also the other company that it 's supposedly handling the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2017 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Experian is reporting a Bankruptcy on my credit report. The courts does n't verify this information. It was pulled from a third party reporting agency. Therefore it needs to be deleted.

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 03/13/2018 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (GA).
Issue: Closing on a mortgage

Complaint: We refinanced our home with XXXX XXXX on XX/XX/XXXX / now Wells Fargo Bank. After paying our last house note and the principle balance on XX/XX/XXXX, on the XX/XX/XXXX all these funds were placed in a unassigned funds status and our account has been handled as if we are late paying the last payment with interest being added daily on the unpaid balance ( which has already been paid ). We have talked to numerous customer service reps. and three ( 3 ) different supervisors, who all have given us the same run-around and no one has followed through to finalize this account as a paid in full account. In the beginning of the problem, Wells Fargo said the problem was that there was a missing payment from XX/XX/XXXX ; only to find that that payment was sent by XXXX XXXX Georgia, a grant program we were able to take advantage of during a time of hardship. That program lasted 18 months and the payments to Wells Fargo was turned back over to us after that time. Since that time, we have not missed a payment. We were told that the payment they thought to be missing has been located and we would be hearing from the mortgage dept. within one to two days to finalize this account as paid in full. That person I, spoke with ( XXXX, Code # XXXX ) told me that the payment was misplaced because it was sent to the original account number which was changed after Wells Fargo took over XXXX XXXX. It is now XX/XX/XXXX and that has not happened ; and the people we've talked to have not gotten back with us as promised ; nor can they be reached any longer. We now keep getting new people who start the same run-around over and over again.

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 12/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: There are XXXX accounts on my credit file that are over the time frame of 7 to 10 years allowed by the FCRA for reporting. I have disputed these entries to no avail and have not been given a reason for them remaining on file.

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 05/19/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: SEVERAL ADDRESSES SHOW ON MY REPORT BUT ONE OF THEM IS NOT MINE. I HAVE NEVER LIVED ON " XXXX XXXX XXXX XXXX, XXXX, IL XXXX '' THIS ADDRESS NEEDS TO BE REMOVED. PLEASE INVERSTIGATE AND REMOVE ACCORDINGLY

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 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: IN XXXX OF THIS YEAR 2017, MY HUSBAND AND I PAID OFF A TRUCK LOAN IN THE AMOUNT OF OVER {$8000.00}. ABOUT TWO WEEKS LATER HE LOOKED AT HIS XXXX XXXX AND HIS SCORE WENT UP OVER 40 POINTS. I LOOKED AT MINE AND MINE WENT DOWN ALMOST 50????? WHY, NO ONE CAN TELL ME AND I WOULD LIKE TO KNOW. NEXT MY CREDIT WAS IN THE LOW XXXX 'S. i HAVE BEEN PAYING OFF CREDIT CARDS THAT WERE SOLD TO ANOTHER AGENCY. I PAID OFF TWO AND WORKING ON THE 3RD. SINCE I HAVE BEEN PAYING OFF CREDIT CARDS MY SCORE WENT DOWN 140 POINTS AND OVER. HOW HOW CAN THAT BE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!. I AM SO DISGUSTED THAT I HAVE DONE EVERYTHING RIGHT TO UP MY SCORE AND THIS IS WHAT HAPPENS, BALONEY.

Company response to consumer: Closed with explanation