milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-04-2015 about Student loan (Non-federal student loan) with AES/PHEAA (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I applied for 3 private loans while XXXX XXXX at The University XXXX XXXX XXXX. My loans have been serviced through AES : American Education Services. I set up a payment plan and automatic debit for these loans when my first payment was due. I was in school half-time from XXXX, and the school apparently submitted this information to the clearing house and AES deferred my payment, and lowered my payment to a point where it was n't even covering the interest rate. They said they sent me a letter about this, but I do not recall this, nor did I give my permission to do this in the first place, as I thought private loans were n't able to be differed. I was working full time and going to school part time and would have been able to make the student loan payment just fine. Now I 'm looking more closely at my loans and discovered the principal balance on XXXX loan is XXXX more than my original balance. On the XXXX loan is XXXX more than my original balance. I feel that I 've been paying and never had a late payment on these loans, and they have increased my balance when I did n't understand or did n't even know about this deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2017 about Debt collection (Other debt) with EQUIFAX, INC. (SC).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: I never received a letter from this company about a debt i supposedly owe. I receive documents about my   XXXX   bill for  XXXX . I only had one account with  XXXX . This company   XXXX   XXXX   Opened  XX/XX/XXXX  is reaging my credit debt. I only had my one account which was in  XX/XX/XXXX . This company saying i open this in  XX/XX/XXXX  of this year. you can look at my inquiries and see i never applied fo   XXXX    services in  XX/XX/XXXX  nor   XX/XX/XXXX   nor  XX/XX/XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION XXXX DEPARTMENT TODAYS DATE : XXXX/XXXX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX  which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I recently disputed a mistake on my credit on transunion the account name was " XXXX XXXX XXXX XXXX '' it was removed.but the company is reinserting the credit report with my concent but transunion is not putting it back on.it 's showing that I don't have no credit, I have been trying to resolve it for the past four month and it's affecting me in my day to day life. I have attached documents proving that the creditor sent the reinsertion form.

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 02/13/2018 about Payday loan, title loan, or personal loan (Personal line of credit) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Problem when making payments

Complaint: I obtained a personal installment loan from One Main in the amount of {$5000.00} about a year ago. On the evening of XX/XX/XXXX, I  was contacted by a loan representative located in the XXXX XXXX   Branch office. The loan representative failed to identify herself. 

I was contacted by a representative who was calling to collect my XX/XX/XXXX loan payment. I explained to the loan representative I would be making my payment on XX/XX/XXXX, because I was at work and in a meeting. 

The loan representative insisted I pay immediately the month of XX/XX/XXXX and for the month of XX/XX/XXXX which was not due yet. The month of XX/XX/XXXX, was not due yet and has a 15 day grace period to pay. 

I explained to the representative I was not going to pay for XX/XX/XXXX because it was not due yet. Further, I again explained I would be making my XX/XX/XXXX payment on XX/XX/XXXX. 

The loan representative then handed the phone to Branch Manager XXXX XXXX XXXX. XXXX XXXX demanded I explain to her why I was late making my loan payment. 
I responded I would be making my loan payment on XX/XX/XXXX, and I did not have to explain why I was making my payment on that day. 

XXXX XXXX then proceeded to threaten, intimidate, and scare me with legal action. 
XXXX XXXX insisted I pay for my loan payment of XX/XX/XXXX which was not due yet. 

XXXX XXXX threats in attempting to collect a debt are illegal, unethical, abusive harassment and prohibited by the Fair Debt Collection Practices Act as stated by the Federal Trade Commission. 

Branch Manager XXXX XXXX XXXX and her associates intentionally practice unethical business practices, by threatening and intimidating loan customers when collecting late loan payments. These illegal collection practice using threats and intimidation to place loan customers in fear to pay is illegal and must be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Merchants and Medical Credit Corporation, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: It most recently came to my attention that M & M ( Merchant Medical ) released false information to the credit bureau for a debt that I do NOT owe. In XX/XX/XXXX I was a student at University XXXX and had an outstanding debt. Once the debt came to my attention it was paid promptly directly to University XXXX. Weeks after this I was contacted by the collection company. I advised them that the phone call to me had to be in error because the debt was paid in full - ( {$250.00} ). They questioned the validity of my conversation. I contacted U XXXX and informed them of the call that I received. I was told to disregard because my balance was XXXX. XX/XX/XXXX I call the collection company and was told that the credit bureau had placed this on my report and that they had nothing to do with this, which is false. I was told that they would issue a letter of retraction and facilitate have the information removed because it was false. As of today, I have not received a letter and I 've verified that is not removed nor is there a request submitted from Merchants and Medical.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2016 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I sent a letter to Equifax on XXXX/XXXX/2016 in regards to inquiries on my credit report that I have not authorize, apply for a job, credit, nor was credit granted to me. I asked for them to provide documentation showing proof of my authorization. On XXXX/XXXX/2016 I received a letter from Equifax that provides information about inquiries although it does not resolve the my concern. I also placed a fraud alert on my credit file the end of XXXX to try to alleviate anything further and I have since had inquiries reported on my file. I contacted Equifax on XXXX/XXXX/2016 to discuss my dispute and ask that they be removed since I did not authorize. I was told I needed to contact each creditor and ask them to request the removal. I have since contacted each creditor by phone and by letter. When contacting by phone I was advised that I need to send a letter so I proceeded with the letter. I have not received a repspone from the creditors so I contacted Equifax one more time to state that I contacted the creditor and that I have not heard anything. I was advised to allow additional time even though it has been 30 days with no response. I would like the inquiries to be removed from my credit file as I did not authorize them. Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (Other debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Midland is calling about an XXXX account that is XXXX years old. I have been with XXXX since XXXX and can be verified. I filed bankruptcy in XXXX and this account should have been included. Every time a collection agency acquire this account they change the open date. This was from past XXXX therefore should be removed

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Mortgage (Conventional home mortgage) with Shellpoint Partners, LLC (CA).
Issue: Incorrect information on your report

Complaint: My home was foreclosed on in 2013. I had two mortgages. 80/20 First loan was with XXXX and the second loan was sold multiple times, and ended up with Shellpoint Mortgage. 
After the home was foreclosed on, the first loan, XXXX was paid and now is currently listed as Resolved through Foreclosure on my credit report. 
The second loan is still active on my report and it states that the account is 180 days + past due every month and hurting my score. 
My question, should this account also be resolved through foreclosure? 
I have called both companies several times and they both seem to give me the run around. 
Shellpoint tells me there is no alternative and I must pay the original loan off ( over $ 80k ) which I am unable to do. 
Do I have any legal standing?

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Creditor Contact DetailsXXXX XXXX enrolled me in auto-pay without my permission. They did not send emails or any other notice of payment due. The first notice was through email after my account was already 30 days late. This lowered my credit score significantly. 
XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Equifax has ignored my repeated requests to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 days and can not verify this account, under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act, Equifax is required to " DELETE all information that can not be verified. '' Please make them do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Debt collection (Other debt) with Resurgent Capital Services L.P. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Company sent a letter to me on XX/XX/XXXX, of an amount of XXXX. XXXX I did not sign a contract with this office I did not know who XXXX XXXX XXXX is. I sent a certified validated letter to this company they sent me back one page and none of the items that I asked for. Also at the credit bureau the amount is {$350.00} two different amount showing this is messing up my credit please help me to remove this thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Mortgage (FHA mortgage) with M&T BANK CORPORATION (CA).
Issue: Loan servicing, payments, escrow account

Complaint: M & T Bank Mortgage servicing website has regular outages on critical due date or end of grace periods in order to charge late fees and then when a request to remove the late fee is provided, M & T Bank send a canned response stating their website supposed availability hours. Unless pushed they refuse to even address the question to remove the unwarranted late fee. This has happened in 3 occasions in the last 7 months and some times it takes several interactions with them to do what they should have done automatically. 
To support my statements here I can provide proof of payment and proof that M & T Bank has sometimes generated and sent 2 or 3 different statements in the same month to confuse the issue further.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I requested PNC bank discontinue escrowing for insurance and taxes on loan number XXXX. They would if I paid them {$200.00} to stop the escrow. This is an example of a predatory lender charging unnecessary fees, I want to pay my own taxes and insurance and not have to pay {$200.00} to them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: I was subscribed to the Equifax XXXX XXXX plan credit monitoring service. I chose to cancel this membership due to the fact that my personal information was compromised during a security breach at Equifax. I feel that I should not pay for a service that is suppose to protect me from these type of events, if the company providing the service can not protect my information. So I chose to cancel. My credit card was billed on XXXX/XXXX/XXXX and I cancelled my service on XXXX/XXXX/XXXX. Equifax refuses to refund my payment which was for a full month of service, even though It was only used for 1 day. That is not ethical for a company to charge you for services they never provided. That is basically stealing. Equifax has refused to return my money, and have no valid reason why they can not refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Deposits and withdrawals

Complaint: XX/XX/2017 I made a deposit through chase bank ATM in XXXX NY, while the transaction was on the ATM has a problem and I got a receipt from ATM, stating that I should call my bank to confirm if the money was deposited. I placed a call to my bank and made a complain of what happened, was told that a credit of {$800.00} will be made to my account while the investigation will be on. 
the {$800.00} was made to my account same day, but on XX/XX/2017, I got a mail from the bank stating that the {$800.00} that was credited to my account will be debited because my claim was denied. The {$800.00} was debited from my account on XX/XX/2017, I called chase bank on XX/XX/2017 to re-investigate my claim, and my claim was denied again. 
I 'm requesting that you help to look into this matter as this huge amount of money has caused a lot to my account/finances. 
Thanks and XXXX bless you

Company response to consumer: Closed with monetary relief
Consumer complaint received 05-03-2017 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX   XXXX   XXXX   XXXX  is attempting collect debts that are not owed. I had contacted the original creditor numerous times with several  hundred  e-mails and letters to the company including the company CEO explaining the debts are not owed.  Capital One  refused to reply. Additionally the debt is outside the statute of limitations and therefore can no longer be collected on.  XXXX   XXXX  has issued trades lines on my credit bureau listing.     Additionally, complaint  XXXX  was filed on  XXXX   XXXX ,  2017    against  XXXX   XXXX .     The companies response was they would validate the account.   XXXX   has failed to provide any type of validation, nor has sent any notice that a debt is owed to  XXXX .   XXXX    responded to the complaint on  XXXX   XXXX ,  2017 , and 60 days have now passed without any type of debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2017 about Mortgage (Conventional home mortgage) with TD BANK US HOLDING COMPANY (NY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: On XXXX XXXX, I called TD Bank to find out the process of applying for a new mortgage. The representative, XXXX XXXX, answered and asked me if I was willing to be enrolled in their new voice recognition program ( TD Voice Print ). I told him no and then he asked me why I did n't want to be enrolled. I explained why I was very against enrolling in a program matching my voice to gain access to my account. He went on to explain their process for applying for mortgages. I thought that was the end of it, until I got a letter in the mail on XXXX XXXX thanking me for enrolling in the TD Voice Print program. I called TD Bank to complain about their erroneously enrolling me in this program against my permission. Although they say that have spoken with XXXX XXXX and conducted retraining, I want there to be a record of the behavior. To go against a customer 's request and actively add their name to a program that could give access to sensitive information should be illegal and/or should come with steeper consequence than a retraining.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Debt collection (Payday loan) with Harpeth Financial Services, LLC (TN).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: On  XXXX   XXXX ,  XXXX , Advance Financial submitted  XXXX  varying automatic debit from my checking account totaling {$360.00}  (  {$120.00}, {$120.00}, and {$110.00 } ). Ta king money that they knew and know is judgment free in an attempt to collect a debt. I currently received  XXXX  and   XXXX   XXXX    XXXX  as my only income which they authorized and received illegally under state of tennessee laws and Fair Debt Collection Protection Act. When I called to inquire about the debits from my account and receiving a refund ; a  XXXX  and a  XXXX  first informed me " before they could assist me they would first like to inform me any information given in regards to my account is an attempt to collect a debt. '' Under Tennessee laws once my account is in default they should seek legal remedies to resolve the matter. Instead they continued to seek debiting my account, which violates state laws. They failed to notify me in writing of my account being pursued as a debt as it has been in default since  XXXX   XXXX ,  XXXX , violating the FDCPA. The company also breached the contract in which they are to only submit a " single debit entry only in the event of default ''

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: According to the website created by Equifax in the wake of their data breach, it is likely that I am among the 143 million people compromised. I do not wish to take part of their services in response to it as that would waive my right to a class action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I was double charged for a hotel room. I stayed at the XXXX XXXX on XXXX/XXXX/16. I was charged by XXXX and by the XXXX XXXX for the nights stay. I was double charged. I have disputed the charge with Citi Bank, but they have not resolved the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed my credit information to be breached due to improper security protocol. This required me to freeze my credit as well as paying all 3 of the credit reporting agencies ( $ XXXX/each - including, inappropriately to Equifax themselves ) to put this freeze on my information. 

Not only was Equifax negligent in their security protocol, they also did not disclose this breach of information for over a month.

Company response to consumer: Closed with explanation