milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/13/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I was a student at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. A school official applied for a XXXX Student Loan ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XX/XX/XXXX to XX/XX/XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX XXXX the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX XXXX. The representative from XXXX further advised me that XXXX XXXX was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as Transunion , LLC, XXXX, and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Received a call from XXXX XXXX from Hillcrest Davidson advised of debt. Refused to provide written statement of debt stating that they have no obligation to send information he advised that we had to request information and could only receive communication by email. Refused good faith payment and stated that debt was incured by communal law. However debt was incured before marriage and is not able to be carried over. Was threatened that he would ruin my credit if not payed immediately and had access to entirety of my credit report. Stated that he would go after my wife next. Stated several times that I had no consumer rights. And that he would continue harassing me until the debt was payed.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: wrong account i did not use hospital

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (HI).
Issue: Fraud or scam

Complaint: n XXXX of 2017, My internet friend named XXXX XXXX referred me to an FBI agent in XXXX named XXXX XXXX who said that he could investigate the scam case for me in XXXX and got the criminals apprehended and flied back to U.S. for a trial. 
At that time, I trusted them a lot and provide with them all the information that they need. XXXX XXXX did not ask for money in the beginning, but later on he said that he had received an arrest warrant and will have two of his men went to XXXX to arrest the criminals. So after two day later, he said his two men had arrived to the XXXXXXXX XXXX XXXX in XXXX to execute the arrest warrant. But however, the XXXX XXXX XXXX needed {$4300.00} to register a warrant from the U.S in order to arrest the person. XXXX said that I needed to pay that money immediately so that the warrant would become effective. He gave me a persons name called XXXX XXXX who is the officer working in the XXXX. I need to transfer {$4300.00} to him by XXXX. Finally, I made the following 2 payments. 
Order date Amount Reference No : XXXX XX/XX/2017 {$2000.00} Reference No : XXXX XX/XX/2017 {$2300.00} After they received totally {$4300.00}, XXXX XXXX started to ask me another XXXX certificate payment of {$14000.00}. I immediately suspected that something wrong with this case. So I stopped making all the payments. Then XXXX XXXX started to scold at me and then stop all communication with me. 
Later on, I found out XXXX XXXX is a faked FBI and his introducer, XXXX XXXX is also a scammer. However, I lost {$4300.00} already and I dont know what will be the best ways to recover my lost money.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Student loan (Non-federal student loan) with KEYCORP (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Every month i pay my bill on time. However the last two months i have been receiving constant phone calls as if i am not paying. Each time it some company associated with Key Bank. They are stationed in the XXXX, XXXX, and XXXX was in XXXX. When i start to complain they transfer me to some one at Key Bank. I ask why they are calling me and they just give me some run around with no actual answer. That is however not the worst of it, my father co signed my college loan with me. So they call him as well. They called him 7 times a few days ago. But the bill was paid. I could not understand. I have about 6 missed calls on my home phone from them. at this moment. If i am paying my bill on time, every month why are they calling me like i am a criminal. And it is not a cheap bill either. I pay almost {$500.00} a month to these people.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: On XXXX, I called NELNET and requested a pay off amount/statement. They only provided me with the balance of {$130000.00}. This information was given to XXXX XXXX, the new company who was taking over my loan, and paid off the amount in about 30 days. On XXXX, I received communication from NELNET they received this payment, but I still owed them {$810.00}. The Account Manager at NELNET admitted they conducted business wrong, but could not write off the amount owed, only the Dept. of Education. I called the Dept. of Education and spoke to a supervisor, who said that was not true and NELNET had the ability to forgive the amount owed. I filed a compliant with them, report # XXXX. I also field a complaint with OMBDSMA, case # XXXX, but the investigation will take 60 days. On XXXX, I called NELNET back and spoke to another supervisor and explained this new information. The supervisor told me they did an internal investigation, listened to my recorded phone call from XXXX and I was still responsible for the interest amount owed and had to pay it based on my signed Promissory Note. I asked the supervisor for a copy of their investigation and phone call and was not provided anything, other than an e-mail that the matter was looked into and I was responsible, even though they admit to the business error. I have no idea who is telling the truth, NLENET or the Dept. of Education and am asking for the interest owed to be forgiven. In my opinion, this is a form of theft, as they have no supporting evidence and are trying to get more money out of me. Also, interest is still occurring daily at the rate of XXXX cents a day. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
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 filed for chapter XXXX bankruptcy in XX/XX/XXXX and my auto loan was included in my bankruptcy. During this time XXXX XXXX is reporting late payments which I believe is a violation of the automatic stay and should not be reporting late payments and should be reported as current. My bankruptcy was discharged XX/XX/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 03/31/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AR).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I refinanced our home in XXXX, 2015. The former mortgage company was Green Tree. Since then we 've gotten several letters and phones calls from them regarding different things from insurance nonpayments to today 's call saying that we owe the XXXX payment plus other charges that were n't named. On their own website it shows that we have a balance of XXXX but they state that 's inconsequential and incorrect. The conversations have become increasingly rude. I 've had my mortgage broker call on my behalf but they tell him one thing me something then my husband something different again. 
Previously, they failed to accept the cancellation of my homeowners policy so they paid XXXX policies for a year and a half leaving my escrow several thousand in the negative. I had to deal with that myself with no help from them. Next, they are hounding me for XXXX 's payment that I do not owe and are being rude. Why would they tell us an incorrect amount for payout? Now they are threatening to make the escrow balance even less and therefore me owe them more by paying the taxes that are due even though we have paid off the account. UGH! The woman on the phone seemed to think she was being tough or threatening by stating that the account was still open and we still owed money. Please help! THESE PEOPLE ARE HORRIBLE! THE ONLY GOOD NEWS HERE IS THAT WE HAVE MOVED ON TO ANOTHER COMPANY!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX is reporting negatively on my credit report even though the debt was sold to AD ASTRA RECOVERY SERVICE in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Bank account or service (Other bank product/service) with PNC Bank N.A. (IN).
Issue: Account opening, closing, or management

Complaint: XXXX : WHAT HAPPENEDI am complaining about a deceptive, negative-option add-on product called " XXXX XXXX Solutions '' on PNC Merchant Services small business accounts. This is similar to the negative option affilliate marketing products that have been the bain of consumer accounts for years. The CFPB in its bank oversight role needs to nip this in the bud on the Small business accounts. 

In XX/XX/XXXX I cancelled credit card processing on my PNC merchant bank account through PNC Merchant services. In XX/XX/XXXX I deactivated my credit card processing with them, and I stopped getting billed a monthly fee. In XX/XX/XXXX, they started charging a monthly fee for XXXX. They said that they imposed this charge via a letter that they sent me in XX/XX/XXXX advising me of the new fee, and they said they had the right to charge new fees according to the merchant agreement. This merchant agreement, they say has a pro-rate early termination charge. My early termination charge at this time they say would be {$450.00}. I dispute signing a three year agreement with an early termination charge. Also I argue a contract that they have the right to arbitrarily add charges is a contract of adhesion - and at best there is a duty of good faith and fair dealing in adding charges. In this case, a new {$24.00} charge for an inactive account for protection not needed or asked for is not good faith - especially when the letter they sent me was sent to an outdated address, a letter that did not get to me. On the other hand their statements do get to me electronically. They could have sent me the letter electronically as well. 
Finally, PNC Merchant Services is a deceptive name. They claim they are separate from PNC bank. They were referred to me by PNC Bank, and they use PNC 's logo. I updated my address with PNC Bank in XX/XX/XXXX, I presumed ( wrongly, I guess ) that PNC Merchant Services would receive the updated address as well.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2018 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (CA).
Issue: Trouble during payment process

Complaint: I Obtained a mortgage through XXXX XXXX XXXX in XX/XX/XXXX. XXXX sold my loan to XXXX XXXX and Specialized Loan Service shortly there after. My certified mailing address was shown to be XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX recoded my address to be XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I never received any mortgage statements from XXXX as they were going to the wrong address. I learned about the error on XX/XX/XXXX when I was checking my credit and noticed a 90 day late from SLS/XXXX. On XX/XX/XXXX I made the payment to XXXX  to catch up, and set up the mortgage to be on Auto Payment Drafting from my bank account so this wouldn't happen again. SLS/XXXX 's automated phone system allowed me to do this. However, what I wasn't aware of was that, SLS/XXXX will not let you set up auto drafting for 48 hours after a phone payment is called in. So, I thought I was set - auto payments would be made and I wouldn't have to worry about this property and the above happening with XXXX again. Unfortunately, even though the automated system allowed me to set up auto payment, SLS/XXXX   didn't honor that and I received another late payment mark on my credit because the following payment never happened. So, this time, I made the payment with a live person and set up auto drafting with a live person. Which is interesting because they allowed me to set up auto drafting even though my other payment hadn't cleared ... The long and the short is, SLS/XXXX has administrative issues and consumers are getting the short end of the stick. I greatly appreciate any assistance you all can provide in disputing this derogatory mark on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Equifax reported in a response to the regulatory agency, CFPB, that they had investigated and found reporting to be correct, they lied. The lie is revealed with the truth, first of all, they did n't contact or investigate anything, instead they are playing the same game they always played prior to the CFPB, fight regulation, and oversight. The records provided within will clearly identify they lied in their response, and I want action, not just documenting but action against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: FedLoan Servicing has me for a balance of {$200000.00}. I have tried numerous times to get Loan forgiveness as I have been XXXX for the past six years in XXXX XXXX XXXX that are eligible for the loan forgiveness program. I have tried to get my payments reduced based on my income also and each time I get a much higher payment than before. I have both a mortgage and rental expense at this time in order to move closer to work to make a living. I am also a single mother trying to take care of my child. They have now put things on my credit report. I do not know what else to do while I am trying to get it reduced. Can someone help.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (I do not know) with Aargon Agency, Inc. (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am not aware of this company. I just saw that they are requesting a debit from me after starting to clean my credit. I have disputed numourus times. I even called them to get information and they had no documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Credit card () with DISCOVER BANK (WI).
Issue: Credit line increase/decrease

Complaint: In XXXX of 2015 I was approved for a Discover Card, which I have used responsibly. I have always made my payments on time and never gone over my limit. Well, Twice in 2015, Discover Card lowered my limit in an unjustifiable manner. Each time they lowered the limit so low as to make it seem as if I was maxing out my Discover Card and this was not the case. Each time they lowered the balance in this manner it makes it seem like I am managing my credit card poorly and causes my credit score to go lower because it looks like my card is maxed out. I find it completely unacceptable that they can do this to this customers without any regard to the long term impact their customers will suffer from doing this. Twice, they have lowered the limit to {$29.00} above the new lower credit limit they have set for me. I started out with a limit of {$1000.00}. Then, Discover lowered it to {$780.00} and left me {$29.00} available and once again they have lowered it to {$500.00} and left me {$29.00} available. I pay my cards with the intention on being able to use them again if I should need them, but Discover Card 's activity really makes me regret working so diligently to keep things paid down. I am now preparing to purchase a second home and I have to wonder what this sudden decrease is going to do to my credit score. It is truly a sad thing that customers have no protection against the decisions of these big card companies. I do n't know if the decision to lower my available credit is based on racial profiling or not. I could understand if I was late on my payments or constantly going over my limit, but neither of those are the case. I have a great job, making $ XXXX a year, and that is not including my spouses income. I am just confused by this entire situation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Making/receiving payments, sending money

Complaint: XX/XX/XXXX I transitioned to a new job. My final paycheck from my previous employer was delayed and with several items due on XXXX/XXXX/16 including state taxes, I opted to cash a convenience check from XXXX XXXX XXXX/XXXX at Chase bank. The check was deposited on XXXX/XXXX/16 and returned by Chase on XXXX/XXXX/16. XXXX XXXX maintained that the check was cashed. Chase maintained that the check was returned. I have been stuck in the middle without the requested funds or a credit to my XXXX XXXX for two billing cycles. I have incurred interest charges and fees on monies posted to the credit card, incurred late fees on items including mortgage payment and have outstanding payments due ( including late fees ) on several outstanding items as I have tried diligently to resolve this. Additionally, I have spent HOURS on the phone and in the Chase branches on 3 occasions trying to find a solution. I have no idea how one would " compensate '' me or " make me whole '' from one of the most frustrating situations of my adult life.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: Back in 2008 I obtained a " predatory lending " loan from Wells Fargo. ( interest only ) My principal amount goes up every year. I have applied several times to Wells Fargo for a loan modification, with no luck. I need to do something before the bank takes my home. 
My first mortgage is $ XXXX and my second $ XXXX. Estimated house value {>= $1,000,000}. 
My income is {$4200.00} per month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2015 about Debt collection (Mortgage) with ProCollect, Inc (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: In XXXX of 2015 my apartment flooded with raw sewage, management called a plumber whom cleaned the " main line ''. The main line is between mine & my neighbors front doors with no other access to either apt., when the plumber finished there was raw sewage all over the walkway. Management refused to clean/sanitize the walkway, also management did nothing more than shampoo the carpet in the apartment that was affected by the flood. During the time between this event and my moving because of the sewage not being cleaned/sanitized I had to go XXXX because of severe XXXX, the XXXX me as having XXXX. Since moving, the apartments, XXXX XXXX, located in XXXX Tx have contacted a collection agency named Pro Collect that has reported this to the credit reporting agencies in the amount of $ XXXX. I have approximately XXXX pictures that I took on a daily basis to document my claim, these pictures are automatically stamped with date and location. I also have the hospital records showing the date and the XXXX. Any help with this matter will be appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Credit card () with U.S. BANCORP (NV).
Issue: Billing disputes

Complaint: XXXX automatically charged a product to my credit card account. This had happened before and at that time I called and cancelled my card and received a new one with a different card number. I inform XXXX that I did n't want them automatically charging to my account. It happened again in XXXX, 2016. The credit card company allowed XXXX to charge to an account that did n't exist, they transferred the charge from my old card number to my new one. When I called the representative of the credit card company they said they could n't do anything except challenge the charge. I did that. 

I just received another bill from the credit card company stating that I owe {$85.00} for the XXXX charge, plus a late charge, plus a minimum interest charge fee. I feel like I am being harassed. I closed the account, yet after taking to a representative a second time they said they ca n't close the account. I spoke with a supervisor and they were no help at all. I called XXXX and received a refund on XXXX XXXX, 2016. They told me to contact the credit card company and give them this number : XXXX or XXXX. 

I sent all of this information to customer service in XXXX, ND.

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