milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: 1. For the second time, after submitting documentation certifying continuing public service, I have been credited with far fewer months of qualifying service than is correct. I have been a XXXX XXXX   continuously since XX/XX/2013. I have been paying my loans with XXXX and then with fedloan servicing since just after that day. I have made as many as 53 payments to all applicable loans. I have made, because of an unwanted forbearance, as few as 49-50 payment, but no less than that. Despite qualifying employment dates being correct, I have inexplicably been credited with 11 qualifying payments for one loan and 12 for another loan. Of course, I make a lump sum payment every month so the number of qualifying payments must be equal ( and much, much greater ). 

2. Once again, I have been entered into a Forbearance against my will. I have inexplicably been entered into a " Disaster Forbearance '' after having neither requested one nor experienced any sort of Disaster.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Hello, I defaulted on my private loans with XXXX XXXX which is now Navient in XX/XX/XXXX and they were charged off on my credit. The loans were then sent to XXXX. The law firm, XXXX magistrate court, and I came to a judgment that I will pay $ XXXX month towards the loan with no interest or attorney fees included XX/XX/XXXX. 
I have never missed a payment on this judgment since created. However, Navient reports every year a new charge off charge to my credit report and does not reflect my current payment history. Also, they are continuously adding interest to my loans which the court order clearly states no interest included in the balance. 
I am in the process of purchasing home most recently as XX/XX/XXXX Navient has reported missed payment and charge off negatively to my credit report. When I am in good standing with XXXX/collection agency. This impacted my credit score by XXXX points. 
This practice has to illegal and unfair. The charge off should be a one-time occurrence not a continual monthly occurrence if the judgment is being meet by the courts. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with WELLS FARGO & COMPANY (AZ).
Issue: Problem when making payments

Complaint: On XXXX XXXX, XXXX I asked my husband to make a payment to my Wells Fargo personal line of credit. I gave him {$260.00} dollars to do so. My husband is not a joint account holder. He went to the Wells Fargo branch located on XXXX XXXX XXXX XXXX XXXX, AZ XXXX. He gave my account number to the teller advised her he wanted to make a payment for {$260.00}, which she refused. The teller proceeded to tell my husband thats the amount due to bring the account current was {$390.00}. My husband was not aware the line of credit was past due. Not only was that information innacurate but she made my husband aware of the delinquent status of my account. This is unacceptable. I have that right to privacy. This created an argument in my household that could have been avoided had my privacy been respected.

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 02-06-2017 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax is listing accounts in collections on my credit report that have been paid off. At XXXX point, all of the information on my Equifax credit file " disappeared. '' It came back on, but with inaccurate information. As you will be able to see from the other credit agencies, these accounts have been taken care of and should be updated and removed. The inaccurate information is causing me to have a low credit score with Equifax and causing me not to be able to qualify for a home loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/21/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (TX).
Issue: Other service issues

Complaint: Sir, This complaint is not about Western Union 's refusal to make restitution, but their unwillingness to communicate at all. 
On XXXX XXXX a mistake was made concerning the destination of {$60.00} which was to be sent to XXXX, but in the confirmation it showed that it was sent to the United States. I immediately contacted them on their chat line and had that Money transfer cancelled. They sent me a cancellation acknowledgment stating that, " If your card account has been debited, the money transfer amount will be refunded. '' As of today it has been 15 days ( 10 business days ) and no restitution has been made. My bank is XXXX Bank, XXXX, TX branch. The transaction number is XXXX, and the total amount charged was {$71.00} which includes their transfer fee ; the Western Union XXXX number for this transaction is XXXX. 
I have attempted to contact them four times, and have failed to make contact with them by chat, email, or phone. I finally mailed them a letter yesterday, a copy of which is included as an attachment to this email with evidence of this transaction and their failure in its resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2015 about Credit reporting () with EQUIFAX, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account has been moved to the state of Idaho and is being paid with a positive payment history. This is a closed account with no ballance or debt remaining

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 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: I have contacted Experian on several attempts about these accounts and inquiries placed on my credit file. These accounts and inquiries are not accurate information .. All the inquiries are unauthorized. The accounts that dont belong to me are XXXX XXXX XXXX XXXX These accounts are fraudulent as I was a victim of identity theft

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 05-12-2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Bank of America refuse providing me a information about my mortgage, this is continuation of case # XXXX, I run out space, I have XXXX more Question. 
XXXX. Before the transfer, what was the balance of ending non-interest bearing principle $ 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 08-04-2017 about Debt collection (Other debt) with CL HOLDINGS LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have a collection account listed on my credit report twice by the name of " Jefferson Capital System ''  original creditor " XXXX ''. " Jefferson Capital System '' is n't licensed in the State of Texas and therefore I 'm disputing this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Medical debt) with Concentric Receivables Management, Ltd. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.

i have a toal of 13 collections showing. This company took advantage of me and I want these collections removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Payday loan () with QC HOLDINGS INC (MO).
Issue: Charged fees or interest I didn't expect

Complaint: The Federal Gov. in XXXX convicted XXXX XXXX with payday loans.I have a payday loan. Never knew charged over 134 % payback on $ XXXX.Taking it out of my bank.If you miss a payment charged $ 180.00.Names are QC Financial/Payday, Quick Cash, and XXXX of XXXX XXXX XXXX XXXX XXXX KS. XXXX.All was done over a phone.13 month loan.is XXXX.I never had no idea about this, XXXX 2015 they take XXXX out of my bank.I need help.They threatened me ...

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Checking or savings account (Other banking product or service) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint: XXXX XXXX XXXX XXXX a division of the XXXX XXXX is withholding {$2100.00} after a matter had been resolved involving a charge back from one of our customers on XX/XX/XXXX. They never during this entire event sent any kind of dispute documentation, notification of withdrawl, nothing. We finally reached a supervisor on XXXX XXXX, 2017 who in writing promised that all funds would be returned the following day. WE HAVE THIS LETTER. They are claiming this was a mistake and have not released {$2100.00} of that deposit, causing payroll and business problems.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 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: Information belongs to someone else

Complaint: Stolen identity someone opened credit cards accounts using my identity Open accounts XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX dollars XXXX XXXX XXXX XXXX XXXX XXXX Amount XXXX Total value XXXX Closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/24/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have XXXX loans that I make auto-payments on every month from Sallie Mae. I was told my account was " delinquent '' due to non-payment for four months. This was not true because there was money deducted every month from my checking account along with updated payment history on SallieMae.com. Interestingly enough, the person that was " handling '' my account admitted it to being Sallie Mae 's mistake. She also said she 'd make sure that the mistake would not be reported on my credit report. Fast forward to two months later and the issue was placed on my credit. I have gone through so much with this company ; I have never been more stressed in my life. I thought that this was a loan company that would let me look forward to a great college education but I ca n't when I 'm being backed against a wall for their mistakes. They are not loyal to their customers and they certainly have no remorse for their wrong doings.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have filed several disputes in regards to this matter. I spoke with someone named XXXX today to have inaccurate information removed from my report such as names, addresses and debt associated with the address ... I HAVE NEVER RESIDED AT XXXX XXXX XXXX XXXX ... ... THERE IS NO SUCH NUMBER ... therefore the this address reporting as well as the debt associated with it is INCORRECT!!! I 've sent numerous letters and spoken with several people who insist they can NOT HELP ME .... I also submitted a letter stating the creditor DOES NOT HAVE VALID DOCUMENTUON yet the credit bureau keeps sending this back to me as verified ... how can this be when I have never lived at address associated with account .... I also have a credit report from XX/XX/XXXX which does not have this address but the accounts are there then the report from XX/XX/XXXX with this address and am told these accounts are associated with them HOW IS THIS POSSIBLE? Where and who is checking for accuracy? Because clearly this can NOT BE ACCURATE I HAVE NOT LIVED AT XXXX XXXX XXXX XXXX AND THERE IS NO SUCH APT number THIS IS INACCURATE AND ANY ACCT ASSOCIATED WITH IT IS AS WELL verify with post office THERE IS NO XXXX XXXX XXXX XXXX XXXX!! I have NEVER LIVED AT THIS NON EXISTANT PLACE

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 09/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I checked my credit on XXXX XXXX and due to incorrect information the folowing XXXX inquiries were removed from my credit report : XXXX XXXX XXXX XXXX XXXX I got another copy of my credit report on XXXX XXXX and to my surprise the above inquiries were placed back on my report without any notification from the Credit reporting agency, not even a reinsertion letter which is required by the FCRA. 

I have called Transunion many times to get no solution, i have even been laughed at by the Transunion customer service agents. When i ask for a supervisor they transfer me to another regular representative who is pretending to be a supervisor. 

It is very frustrating. Please help me..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2017 about Mortgage (Conventional home mortgage) with FREEDOM MORTGAGE COMPANY (IL).
Issue: Trouble during payment process

Complaint: Freedom Mortgage continues to send me spam mail and continues to call leaving spam voicemails despite complaints to the FCC and company itself. I 'm on the do not call list and have previously notified the company not to call, they continue to break the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Asset Acceptance has been pursing me since XX/XX/XXXX. I was summons to court and the judge threw the case out in XX/XX/XXXX. Now they have re opened the case and are trying to garnish my wages. I have contacted The Attorney General, I was informed AA has been under investigation for years, per email I was told to contact CFPB and file a complaint. AA has not contacted me or sent me paperwork, I only found out through the XXXX County Clerk of Courts doing a random search of records for my name. I am not sure what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Credit reporting () with Experian Information Solutions Inc. (VT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Hello, When attempting to request my annual credit report from Experian, the website says the report is unavailable online. It says " A condition exists that prevents Experian from being able to accept your request at this time. ''

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 04-04-2016 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (MN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My credit reports have an adverse action submitted by Southwest Credit Systems, LP, XXXX XXXX XXXX, # XXXX, XXXX TX XXXX. Telephone number XXXX. It indicates my address is in XXXX - I live in XXXX. The creditor is XXXX and I have never had an account with XXXX.

Company response to consumer: Closed
Consumer complaint received 04/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with American Collections Enterprise, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I pulled my own credit report on XXXX XXXX, XXXX. American Collection Enterprises , Inc. ( ACEI ) of XXXX, VA is reporting a debt to Equifax from a childcare company that I used in XX/XX/XXXX. I am aware of the childcare company, and used that company, but was not aware that there was an outstanding balance. During my call, I advised ACEI that I was not aware of the debt and asked if there was something they could provide me regarding the debt. I was told by the ACEI rep that they do n't have to provide me with anything because something was sent to me in XX/XX/XXXX. Further, their rep stated that since they are reporting it on my credit report every month, that is all the verification they are required to provide. I advised them that it is now 5 years after the supposed letter was sent to me, that I never received it, and asked if they could please send me something, anything, that indicates I owe the debt. I was refused again and referred to the fact that they only have to report it on my credit report. I sent a certified letter asking for more information and the letter is thus far undeliverable. I used the address as found on the Better Business Bureau. They provide no address whatsoever on their website, only a form to fill out. I am only requesting they provide the minimum amount of information that verifies that the original creditor ' says I still owe this debt. I believe that I do not. I do n't feel that simply reporting it on my credit report is proof of anything. If they ca n't provide this information, then I would like them to remove the entry from my credit report. I have also reached out to the daycare company via email ( one that I retrieved directly from their website ) and it was returned undeliverable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: We pay additional principal on our mortgage and designate it as such, as allowed by our mortgage agreement. Ditech, our mortgage servicing company, continues to hold our funds without applying them to principal. This continues in spite of our requests to them to apply our payments as required by the mortgage agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Customer service / Customer relations

Complaint: I LOST PROPERTY IN MY BASEMENT WHEN THE SUMP PUMP WENT OUT OF POWER. I MADE A CLAIM TO MY CREDIT CARD COMPANY THRU THEIR BENEFIT CLAIMS BROCHURE. THEY DENIED THE CLAIM BECAUSE I USED THE WORD FLOOD INSTEAD OF WATER ON THE FLOOR THAT DAMAGED MY PROPERTY. THEIR BROCHURE ALLOWS COVERAGE FOR ACCIDENTAL WATER DAMAGE FROM HOUSHOLD PLUMBING.

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 09/25/2016 about Mortgage (Conventional fixed mortgage) with SN SERVICING CORPORATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was with XXXX mortgage and I was working on a modification and just before a decision was made the loan was sold to XXXX ( loan is serviced by SN Servicing ). While the loan was still with XXXX, I hired a company by the name of XXXX XXXX ( owner XXXX XXXX ). They told me to not make my mortgage payment and they will secure my modification. After I received foreclosure correspondence from XXXX. After receiving the notice from XXXX I found out that XXXX XXXX was a scam. That forced me to have to file a chapter XXXX in order to keep my home. They claim that I owed them over XXXX in arrears which does not include another XXXX in escrow shortage and behind payments. I did not have any records to dispute it so I am now paying {$1600.00} in my BK which goes to them. My mortgage is {$2700.00} a month which does not include the {$1600.00}. I have tried for several years to get a modification with these investors but they basiccally told me to keep doing what I am doing and if I cant pay I will be foreclosed on. I even suggested that they can take my payment up some so I do n't have to pay so much monthly, but they said no they do not care. Even the servicing company tried, but they are still saying no to anything that would help me. It is like they want me to give up my home so they can sell it.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted the debtors in XXXX 2017 and confirmed with the IRS, XXXX XXXX, and XXXX XXXX that none of those lines of credit and lien is mine. Then in XXXX 2017 I disputed them all in XX/XX/XXXX with all three bureaus but the bureaus did not remove them within my dispute request. I am filing a complaints against the bureaus for not investigating these debts properly as fraud. Please, help me resolve this matter so that these debts are removed from my credit reports.

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