milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Please see the below exchange with Fedloan Servicing. I 'm not complaining about their service, in particular, but rather the fact that previous servicers have apparently still not provided them a payment history that they can use to calculate the PSLF qualifying payments. Also, the previous servicers did employ shoddy practices, like delaying IBR verification for months, that ultimately cost me thousands of dollars in accrued interest that has now been added to principle. This industry needs to be cleaned up. 
Thanks Thank you for contacting FedLoan Servicing! 

Our records indicate that your Income-Driven Repayment plan began effective XXXX XXXX, XXXX. 

We presently have your employment certified from XXXX XXXX, XXXX until XXXX XXXX, XXXX for employer XXXX. Based on this period, you have made 0/120 qualifying payments towards your Public Service Loan Forgiveness ( PSLF ). Payments made beyond this period may qualify for PSLF as long as we have approved Employment Certification Form ( ECF ) on file covering the employment period for the time frame of the payment while in repayment on a qualifying repayment plan. We also recommend recertifying your employment annually. 

We recommend that you use the " Contact Us '' links on our website, MyFedLoan.org, to submit inquiries via a secure email form. Please use your email address on file when completing this form. You may also call us toll-free at ( XXXX ) XXXX to reach our Customer Service Department, which is open Monday through Friday from XXXX XXXX until XXXX XXXX ( ET ). 

Sincerely, XXXX FedLoan Servicing -- - Original Message -- - On XXXX XXXX, XXXX at XXXX XXXX, XXXXXXXXXXXX wrote : First Name : XXXX Last Name : XXXX Message : I 'm following up on an inquiry I made several months ago. I sent you Public Service Loan Forgiveness paperwork last year. Do you have an accounting of credited payments yet? 

XXXX This message contains privileged and confidential information intended for the above addressees only. If you receive this message in error please delete or destroy this message and/or attachments. 

The sender of this message will fully cooperate in the civil and criminal prosecution of any individual engaging in the unauthorized use of this message. 

Code : PHEAA XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX ( 8 minutes ago ) to accountinfo Thanks. I believe you 've introduced an obvious typographical error into your database. I can not have employment from XXXX XXXX, XXXX until XXXX XXXX, XXXX '. That should read XXXX XXXX, XXXX until XXXX XXXX, XXXX '. Notably, also, I have been making income-based payments to previous servicers ( XXXX and XXXX, I believe ) since XXXX. Do you not have that payment information yet?

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Auto debt) with BB&T CORPORATION (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This debt has been paid in full.

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 02/23/2016 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: I have a loan that was originated by XXXX, which was recently purchased by PNC mortgage. I asked both XXXX and PNC to terminate the PMI from my loan since it is under XXXX % loan to value. Both refused even though I am current on my payments. XXXX sent me a letter saying that they were required to terminate the PMI after my loan reached XXXX % loan to value. This was during the sale of my mortgage. Shortly after that I called PNC to request they end the PMI, PNC sent me a letter saying I was XXXX % loan to value, but said to remove the PMI I 'd have to pay {$500.00} for a new appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: I received a notice of an escrow shortage from ocwen for {$950.00}. I sent them a check waited, called them nothinghappened. So I sent another check thinking maybe thefirst XXXX got lost. Again nothing happened. Finallygot a hold of someone they said they have both checksand the first XXXX is being processed. Still nothing. Its been XXXX. I have a check for {$950.00} that I have no idea if whenor if it will be cashed. They do n't answer emails their callcenter is in XXXX and are no help at all. On top of thatmy last payment which they got a day before the due datethey applied to principle and not the payment due then theysaid I was late on my payment. I have never been latepaying them. They just had to pay XXXX dollars fordoing this kind of thing and they are still doing it. Willanyone do anything to stop them?

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Debt collection (Medical debt) with Financial Business and Consumer Solutions. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received 15 consecutive calls between XXXX and XXXX this afternoon ( XX/XX/XXXX ) from  XXXX. On Tuesday, XX/XX/XXXX, they called three times at XXXX XXXX. I have XXXX the number, researched it on a number of sites, and found that it is a medical debt collector. They did not leave a message on my voicemail. I have screenshots from my phone to document the calls, and can easily obtain records from XXXX XXXX, my cell phone provider. I have 18 calls this week. This is blatant harassment, and I should be financially compensated for this abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On  XXXX   XXXX , I sent a dispute requesting validation of the alleged debt that  XXXX  is reporting. In particular I challenged t he Open Date  of    XXXX   XXXX   XXXX   as I  believe that the last payment was made in mid  XX/XX/XXXX certainly not  XXXX . I have heard that it is common for collection agencies to reage the debt in an effort to avoid  Statute of Limitation.      I never got any response to my letter and the reporting of the debt remains without any indication that it was being disputed.     On     XXXX   XXXX   , I se nt another letter requesting validation and still no response. The debt is still appearing on my credit report without any indication that it is in dispute. Statute of Limitations has expired but  XXXX  has in my opinion intentionally reaged the debt from its original  XXXX  time frame.

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 06/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: when i closed by XXXX XXXX account i paid my bill and full balance as i always do. months later i was contacted by verizon for non payment. i showed them proof of payment from my bank checking account. i was told that when i close an account that because i had phone internet and tv i should have paid the balances seperatly to different addresses. i never had done this in the past. i paid my bill as i allways have done.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: The name of the collection agency is Portfolio Recovery Associates and the original creditor is XXXX. I made several contacts with this agency to get more information on the debt. I was told XXXX time that I owed the debt. I need more proof that I actually owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I paid XXXX for a notary renewal course. They did not send me the link in a timely fashion and I had to file a complaint with XXXX. Once the complaint was filed, XXXX sent me the link to the course and filed proof of said with XXXX, so the complaint was closed and my payment was sent through XXXX to XXXX. 

I completed my course and sent the necessary proof of completion to XXXX and requested that they send me, via email, my course completion certificate so that I could take my XXXX XXXX exam. 

XXXX informed me that they would not be sending me my Cerificate, claiming that I had dishonored the payment/not paid them and that they had sent the bill to a collection agency called Fidelity Creditor Service. 

I called Fidelity Creditor Service and told them the urgency of the situation, as my income will stop if I am not able to renew my notary license. I spoke with XXXX at XXXX and advised him that XXXX would not release my certificate until the collection agency told them I had paid the account ... ..the account that never should have been placed with collections in the first place. XXXX said it would take 48 hours to clear up, and we began to argue as I felt this was unacceptable as this should have never been sent to collections in the first place and because I was going to have to reschedule my notary exam if I did not receive this certificate asap. XXXX then told me that if I faxed the document over that, " oops, we did n't receive it. '' would happen. At that time I then asked him to provide me an email address as well so that I would have double proof that I had sent the info over. XXXX refused to provide me with the email address and again made sure that I knew that anything I sent by fax would some how not be received. 

I called back 11 times and left messages with XXXX and spoke with another person named XXXX and neither of them would provide me with an email address to send the proof of payment to, since XXXX had made it abundantly clear that anything I sent by fax would be intentionally lost. 

This collection agency has been informed that his account was placed with them maliciously and is refusing to accept the proof that the account should have never been placed with them and has blatantly told me that anything I fax over will be conveniently lost/not received. My account number with them is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about 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: Their investigation did not fix an error on your report

Complaint: I sent the credit reporting agencies XXXX and EXPERIAN as well the COLLECTION AGENCY XXXX XXXX XXXX XXXX, and the alleged creditor XXXX XXXX XXXX  certified documents in refrence to an alleged debt, stating per federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standardsof practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim. per law any defiient of substantial and evident matters of facts would be unethically reported and  even illegally reported. My state and federal laws alike agree that neither willful nor ignorant disregard is acceptable so I demand here today RIGHT NOW, that the allegatuions in challenge be eradicated in full or else wise demostrated in its entirely to be compliant in every aspects of its reporting. to retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The curentlyunfounded and even not certified true or correct misinformation of such is misreporting is as follows and must be deleted immediately so please do so with delay.Alleged Reporting data Provider, Collection Agency: XXXX XXXX XXXX XXXXOriginal Creditor: XXXX XXXXNot Proven Compliant Account: XXXX** THE ORIGINAL CREDITOR XXXX XXXX HAS NOT  RESPONDED TO MY REQUEST,AND XXXX XXXX XXXX FAILED TO MEET MY REQUEST. (PLEASE SEE ATTACHMENTS) ..

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 11/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Company : XXXX XXXX XXXX. 
Vehicle:XXXX XXXX XXXX XXXX VIN : XXXX Account Type : Lease This account was opened under my name for a car I do not have. No authorization was given, nor was the car leased. I have tried contacting and disputing this wrongful credit line numerous times with the company, yet this has not been resolved.

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 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: This complaint is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I  had the right to demand that each credit bureau disclosed to me all of the documents that they should have recorded and retained in their file at the time of this request concerning the accounts that they are reporting in my credit report. I have asked them several time to please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in their files that were used to verify them. If they did not have any documentation in their files to verify the accuracy of these disputed accounts listed below for each of the credit reporting bureaus then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

As a consumer under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if they were unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed below within 30 days of receipt of this compliant then they must remove these accounts from my credit report. 

I requested each credit bureau to please provide me with a copy of an updated and corrected credit report showing these items removed, I demanded the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTE : Please also remove all non-account holding inquiries over 30 days

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 06-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I was using 'XXXX '. I got a new provider and XXXX starts billing me with exorbitant bills suddenly generated by them.they asked me to return some equipment and I explained to them that I was XXXX and had no transportation. I told them to come and pick it up.they refused to do so. now I 'm getting called every day and today [ XXXX/XXXX/2015 ] they 've called XXXX already and it 's just XXXX o'clock.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Deposits and withdrawals

Complaint: Bank of America account was reported for suspected fraud activity. Charge off amount of XXXX is fraudulent and I am not responsible for the balance because I have never had this amount of money on my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XXXX/XXXX/XXXX. I was approved for an auto loan through XXXX XXXX XXXX. They also operate with other names, all of which I can not think of. My loan with them was, for the most part, smooth but fraught with terrible customer service. On XXXX/XXXX/XXXX, I was apparently late for a payment and XXXX XXXX XXXX decided to repossess my vehicle. After jumping through hoops with them, I paid off the collection fee AND the repossession fee that same day. The total amount for that transaction was about {$540.00}. This is even reflected in my payment history which I had requested from XXXX XXXX XXXX. My account was closed with XXXX XXXX XXXX on XXXX/XXXX/XXXX, and everything was satisfactorily paid in full and my account balance was XXXX. I received my title from them, and immediately filed for a new title to completely remove XXXX XXXX XXXX as the lien holder since I did not trust them XXXX bit. That vehicle in question was later traded in to purchase a new vehicle sometime in XXXX XXXX. Prior to that, in approximately the beginning of XXXX, I applied for a mortgage. My mortgage agent stated to me that on my credit report, through Transunion, the XXXX XXXX account still shows as open with a balance of {$540.00}. I immediately called XXXX XXXX and they stated that my account shows as paid in full. I requested proof of that, and I was mailed out my payment history. I asked the representative to immediately report my account as paid in full and closed, but she was not helpful in giving me any information why it was still open, and instead told me to go online and file a dispute, since " they did everything correctly. '' I am filing this dispute with the CFPB against XXXX XXXX XXXX for pure negligence in reporting my account as correctly closed and paid in full to Transunion. XXXX XXXX XXXX is rude, completely not helpful, and deceitful in every imaginable way. They need to be held accountable for their shady tactics and deceitful business practices. They were no help at all, as offered no sympathy or assistance in assisting me to resolve 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 03/16/2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent the the attorneys, XXXX, the firm that is representing Portfolio Recovery Associates LLC requesting verification of the debt, the original agreement signed by the alleged debtor and other information since this is a debt buyer and not the original creditor. I have not received the original contract but have received unverified billing statements. This is in violation of the FDCPA. They have failed to provide sufficient evidence of the validity of this debt or that I owe Portfolio Recovery Associates LLC. I sent the first request via certified mail and have sent a second request the same way. Instead, I have received a letter indicating they plan to sue me but have not as of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Mortgage (Other mortgage) with Seterus, Inc. (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I have been through mediation meetings and have done all the required steps that Seterus has asked of me regarding my deceased husbands mortgage/loan that I inherited after his death in XXXX, but they still have everything under his name and social security. I have been trying for two weeks to find out when they supposedly mailed my permanent modification documents for my review and signature but they can not say when. Even my XXXX counselor tried calling on my behalf and they would not talk to her. I get only machines and everything is still under my dead husbands rates ect. 
I made my XXXX trial payments on time and they even addressed it to him. I am getting nervous since XXXX XXXX. is coming quick. I do not even know if my payment will have to be on the XXXX of the month like his was and what percentage rate I will be at now. He has been since XXXX at a 7.12 % which I always said was ridiculous and should have been lowered along time ago. My filing a Small Estate Affidavit with the Courts should have resolved all the issues of addressing to him and not me, but it has not!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have mailed a copy of the letter I received from the bankruptcy courts stating that they do not report a bankruptcy for me to any credit reporting agency.   I have sent a copy of this to Equifax, but they refuse to take it off the report.

Company response to consumer: Closed with explanation