milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/24/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: At the beginning of XX/XX/2016, my income was incorrectly calculated by FedLoan. Because of their error in calculations, my income-based monthly payment was approximately 3x higher than it should have been, and it was impossible for me to pay. When I contacted FedLoan, they told me that the only solution to the problem would be for them to conduct a review of the situation and try to sort it out. When I asked how long this would take, they said it could take up to 3 months after receiving additional paperwork from me ( paperwork I had already previously completed and submitted months before ). They also said I would have to pay the incorrectly calculated monthly payment ( & gt ; 25 % of my take-home pay for the month ). They asked for me to resubmit my proof of income, and they also made me complete ( AGAIN ) another income-based repayment enrollment request and mail it to them. I did all of this. Over a month later, I called for an update and there had been no progress. One individual I spoke to said that the additional paperwork I sent had been received, but had been incorrectly filed. Therefore, they needed me to send it again. Because I could not pay the incorrectly calculated monthly payment amount, they said my only option was to put my account into forbearance. Keep in mind, I had been making monthly payments on my loan since I graduated from school - NEVER putting them in forbearance or deferral. I filled out their paperwork a third time and submitted it. Over the next 4 months, I called FedLoan monthly to check in with them, wasting hours of time waiting on the phone. Over these 5 months, I had to put my account in temporary, monthly FORBEARANCE FOUR TIMES since they could not get their act together. ( 1 ) During this time, my student loans accrued & gt ; {$5000.00} in interest, which was not being paid down since I could not make the payments THEY incorrectly calculated on my account! ( 2 ) Furthermore, I missed out on & gt ; 5 payments that would have counted towards the 120 payments required for the Public Service Loan Forgiveness Program. ( 3 ) Finally, as I was not able to make my normal payments on my account, I wound up paying 50 % less on my loan than I did last year, which negatively impacted my tax return. All of this ONLY because it took FedLoan & gt ; 6 months to resolve a simple issue which was their fault. Who is going to compensate me financially and personally for the repercussions of their mistake? They certainly have n't, nor have they apologized, or improved any part of their customer service process.

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I VE BEEN HAVING SO MAY ISSUE WITH THIS FINANCE COMPANY SINCE THE START OF THE LOAN. EVERY TIME I DISPUTE SOMETHING ON MY CREDIT REPORT THEY COME BACK WITH THE SAME ANSWER. THAT IS WHY I CHOOSE TO TRADE MY CAR IN AND GET FINANCED THROUGH ANOTHER FINANCE COMPANY. I CANT SEE MYSELF GOING THROUGH THIS FOR THE NEXT 5 YEARS WITH THIS FINANCE COMPANY NOT UPDATING MY CREDIT REPORT ACCURATE EACH MONTH. EVEN WITH XXXX XXXX I SENT IN THE DOCUMENTS THAT SHOWED THE ACCOUNT IS PAY IN FULL OR ANY DOCUMENTS THAT SHOWS MY DISPUTE OR WHY I AM DISPUTING THIS WITH THE DOCUMENTS THEY DONT USED THAT. SO WE ARE BACK HERE AGAIN WITH THE SAME ISSUE AND THIS TIME THERE SHOULD NOT BE ANY REASON WHY MY DOCUMENTS THAT I HAVE LISTED DOESNT GET FIXED. SO A LITTLE BACK GROUND ON THIS, MY ACCOUNT WITH XXXX XXXX WAS OPEN ON XXXX XXXX AND MY FIRST ON PAYMENT ON THIS ACCOUNT WAS MADE IN XXXX OF XXXX. ON MY PAYMENT HISTORY I AM MISSING THE TRADE LINE OF THIS ACCOUNT FOR XXXX OF XXXX AND WHEN YOU LOOK AT THE OPEN DATE WHICH SHOWS XXXX XXXX XXXX IT SHOULD ALSO SHOW ON MY PAYMENT HISTORY AS OKEY. WHEN YOU LOOK AT MY PAYMENT HISTORY IT STARTS WITH XXXX OF XXXX. ON MY EARLIER CREDIT REPORTS IT SHOWS THE MONTH OF XXXX OF XXXX SO WHY DOESNT IT SHOW HERE ON THIS CREDIT REPORT. I HAVE MADE ALL OF CAR PAYMENTS ON TIME FROM XXXX OF XXXX TILL THE LAST PAYMENT WHEN I TRADE THIS CAR IN AND THE XXXX XXXX RECEIVED A DEALER CHECK FOR THE AMOUNT {$11000.00} ON XXXX XXXX XXXX. I HAVE MADE PAYMENTS ON THIS ACCOUNT FOR 15 MONTHS FROM THE MONTH OF XXXX OF XXXX TILL XXXX OF XXXX. SO ON MY CREDIT REPORT IT SHOULD SHOW PAYMENT HISTORY AS OKEY OR CURRENT FOR XXXX OF XXXX TILL XXXX OF XXXX. ACCORDING TO OUR LAST DISPUTE XXXX XXXX HAS NOT UPDATE MY XXXX XXXX CREDIT REPORT ATT ALL. IT SHOWS A BALANCE AND IT SHOW THE LAST TIME THEY UPDATE THIS REPORT WAS XXXX XXXX XXXX. WE ARE IN THE MONTH OF XXXX XXXX XXXX. THEY ALSO SENT ME A LETTER THAT STATE THIS ACCOUNT IS CLOSED WITH A XXXX BALANCE AS CURRENT AND THEY ALSO ENCLOSED MY PAYMENT HISTORY ON THIS ACCOUNT. I WANT XXXX XXXX TO GET WITH XXXX XXXX AND I W ANT XXXX XXXX TO GET WITH XXXX XXXX AND UPDATE MY CREDIT REPORT ACCURATE.

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 11-05-2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Transaction issue

Complaint: I received XXXX XXXX from Chase bank in XXXX of XXXX. These cancelled the debt 's I had owed them on XXXX credit card accounts. They continue to report these accounts as late and with a balance, even though they were charged off in XXXX and cancelled effective XXXX XXXX. I paid the taxes on the cancelled debt as income on my XXXX tax returns. I have disputed this information multiple times with all three credit reporting agnecies and Chase always refuses to change the informaiton. I have attached the XXXX XXXX for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2015 about Debt collection (I do not know) with Receivables Management Partners, LLC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Berks collection has an entry on my credit reports that i am ot aware of. They are refusing to provide proof that i owe them this money.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Settlement process and costs

Complaint: I am having difficulty getting Bank of America to move forward with an approved short sale and would like to file a complaint. House was put up for short sale and we received an offer of {$390000.00} and submitted to the lender on XXXX/XXXX/2015. Received an FHA Approval to Participate dated XXXX/XXXX/2015. It calls for a list price of {$380000.00} and a minimum net proceed amount of {$330000.00}. Current net to lender is $ XXXX, which is {$27000.00} more than what the lender requires. The attorney we have hired to handle the short sale has been calling and e-mailing the lender daily for the past three weeks and the responses have been sporadic at best. Messages left for supervisors at Bank of America do not get returned. We feel as though the lender delay is a result of bad faith negotiation on their part.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Ive tried on numerous times in the past- so many times ( can be verified per my Navient and XXXX XXXX account ) to negotiate with either Navient or XXXX XXXX in regards to lowering my interest rate. Ive also attempted many times to apply for programs ( IBPR/ is one ) that would help me pay off my account, To no avail - I was told for 2 years they could not find my account???!! I need to negotiate to the lowest payment ( minus all the accrued interest ) and pay this loan ( consolidated now ) off before I retire. HELP me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Debt collection (Credit card debt) with Financial Credit Service, Inc. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a call from ARA, Inc. The ARA, Inc. representative started the conversation by stating my name and asking if that was me and then said " I have your social security number ending in XXXX '' and asked if this was correct. I told him I would not verify that until he told me what this was about. He said he knew my whole social security number and proceeded to rattle it off. Again, I told him I would not verify it until he told me what the call was about and he said he would n't tell me what the call was about until I verified my social security number and then he hung up. I called the number from caller ID back, and after being told they have no record of my phone number I asked to be transferred to a manager. I was told by the " manager '' that they were calling about a XXXX XXXX. I told her I did not have a XXXX XXXX. She told me they were calling about a debt from 1996. I told her that debt was written off a long time ago and that they were way beyond the 7 year statute of limitations and that they were clearly a scam at which point the " manager '' told me " we 're about to come after you '' and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2015 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (CA).
Issue: Account opening, closing, or management

Complaint: Regarding PayPal account holders. If you see a " hard inquiry '' showing on your credit report score by XXXX/PPC, it is PayPal. I was automatically applied for PayPal credit without consent.I never even considered applying nor did I see anything in writing warning me I was signing up. I have used PayPal ONLY to make purchases, when and ONLY when, I have the correct funds in my banking institution. Because of this " hard inquiry '' by PayPal, my credit score has dropped significantly which really makes me furious as I have worked very hard to be debt free and credit worthy. I will never use PayPal again and will use every opportunity to inform other people.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: In XXXX, I purchased XXXX sweater from Bloomingdales for {$22.00} and used my Bloomingdales credit card for the purchase. The payment was due on XXXX XXXX. I made the payment today on XXXX XXXX ( 5 days late ), but I found out that Bloomingdales had assessed the interest fee of {$24.00} on the ENTIRE balance on the card, {$22.00} of which was late and {$310.00} which was NOT late and current in the new billing cycle. When I called them, they were unable to explain why the fee was assessed on the entire balance including the non-late purchase and were unwilling to re-calculate the interest. It is predatory to charge me an interest rate on a portion of the bill that is not late, especially when that interest fee is MORE than the amount late -- it is usury in it 's classic sense.

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 12-08-2015 about Debt collection (Medical) with OPTIMUM OUTCOMES, INC. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Original dispute case number XXXX Describe what happened so we can understand the issue ... 
I Have opened multiple credit disputes with XXXX # XXXX, XXXX and XXXX and others for the creditor XXXX Hospital for charges {$5200.00}. Items have been reported under the credit collection names XXXX, XXXX XXXX XXXX XXXX and most recently Optimum Outcomes. 
I am currently making payments thru XXXX Law Offices in, XXXX XXXX XXXX XXXX, XXXX, WI XXXX account # XXXX phone XXXX XXXX ext XXXX. I have asked for an itemized statement from XXXX Law Offices who refuse to give information saying that they only have collection orders for specific amounts which gives me no way to dispute the charges or to know if these charges are from XXXX Hospital, doctors, clinics or services rendered on the day I received service XXXX or what the real balance is that I do owe. Therefore I have made payments according to items reflected on my XXXX Credit report. which has changed multiple times based on information that XXXX, state collection and XXXX is providing them yet not me. 
I have receipts of payments I made for {$590.00}, {$390.00}, {$340.00}. {$250.00}, {$90.00}, {$52.00}. In the last 2 months my balance on XXXX for state wide coll has changed from {$390.00}, to {$300.00} and most recently now {$330.00} and have advised XXXX I will not send any additional payments until I get something in writing that this is my final payment and instead Optimum Outcomes charges are now added on instead. Also they refuse to remove items on my credit report as payments are made, I have to open a dispute with XXXX after each payment which takes 30 days for updates to my credit file with Equifax. even though I have made them aware of this practice. When I began making payments to XXXX Law offices, also collector for XXXX, under the name XXXX, I made payment according to what was reflected on my credit, yet XXXX advised XXXX of additional charges saying that balance XXXX reported on my report was wrong and the balance was then adjusted and XXXX allowed then to add more charges. Most recently, XXXX as of XXXX/XXXX/15 has allowed Optimum Outcomes to report the same {$5200.00} for XXXX Hospital, XXXX lump sum, again. They also added the tag charges disputed by consumer? I had no knowledge of who Optimum Outcomes was until I checked my credit report on XXXX XXXX. I have also disputed the charges for XXXX Hospital with XXXX under the name of XXXX and XXXX and XXXX removed these charges because XXXX can not prove the charges nor able to itemize charges for this total amount. 


Consent to publish the description of what happened? Consent provided

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: OnXX/XX/XXXX I had a Chapter XXXX Bankruptcy discharged. <P/>XXXX XXXX was included in this bankruptcy discharge, and should NOT be reporting ANY negative information on my credit reports. <P/>XXXX : XXXX XXXX listed as an " adverse account XXXX XXXX : XXXX XXXX listed as a " Negative '' in XX/XX/XXXX Equifax report : XXXX XXXX XX/XX/XXXX " date of 1st delinquency, '' XX/XX/XXXX " Date major delinquency 1st Rptd '' On XX/XX/XXXX I  contacted XXXX XXXX XXXX and Equifax credit reporting agencies. The agencies acted clueless as to why XXXX XXXX is showing negative on the credit reports. On XX/XX/XXXX I  contacted XXXX XXXX whom said they would open up an investigation regarding the negative reports. <P/>I have also been told by my banker that XXXX XXXX is reporting a late payment from five years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (TN).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: i recently saw an entry on my credit report from a company named CCS collections stating that I owed {$150.00} ( XXXX ) and {$250.00} ( XXXX ) from an insurance policy by XXXX XXXX from XXXX XXXX. The issue that I am having with this situation is I 've never been contacted from XXXX or CCS Collections regarding this matter. I was even given another policy with XXXX in XXXX without a mention of this " debt ''. The policy that I had in XXXX ended with a XXXX balance. Throughout the life of this policy, XXXX never mentioned any past due balances.I talked to a XXXX, an online CSR from XXXX indeed informed me that I had a debt of {$150.00} and that they tried to contact me, but because it was past two years, they purged their records and they have no records of this debt. I 'm pretty confident that XXXX never contacted me, but all correspondence with them was online. It is also an issue that CCS reported two different balances to XXXX and XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Credit reporting () with Army and Air Force Exchange Service (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Military Star has reported with negative remarks of 7 missed payments and current deliquency and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me. This account was noted as 30/60/90 days reported on last reported date XXXX 2014. This account is reporting as open. THIS ACCOUNT IS CLOSED AND WAS FILED UNDER BANKRUPTCY which was discharged in XXXX 2014. I attempted to contact Military Star in regards to this matter with no resolution.. Please remove this negative information.

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 03/17/2016 about Bank account or service (Checking account) with FIRST CITIZENS BANCSHARES, INC. (FL).
Issue: Account opening, closing, or management

Complaint: I brought my checking account to a {$0.00} balance and then called customer service to close my account. First they refused to close it over the phone and said I was required to go into a branch if XXXX is within XXXX miles from my home. When I looked up a location there was not a local branch so the customer service rep told me to fax a letter to XXXX to deposit operations with my full name, account number, and current address along with my signature and they would close the account. I faxed the letter and then called customer service to confirm they received it. They did confirm it was sent but then said a letter was mailed to me and I need to get my signature notarized and sent back to them in order to close the account. I have had many accounts at other banks that never required this much to close an account. It appears they are just trying to make it very difficult in order to retain clients but with this kind of customer service I will be happy when my account is finally closed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (MD).
Issue: Sale of account

Complaint: HSBC is reporting a credit card that was transferred / sold to another company as a charge off. This is in violation of the FCRA as an item that has been sold can not be listed as a charge off by the company that sold the debt. HSBC has not addressed this concern in my prior requests to them. They are causing damage to my credit and I intend to litigate this matter. I contacted the company they sold the debt to and I was advised that they are no longer reporting this account as of 2010. However the original creditor HSBC is reporting it as a charge off but they profited by selling it to XXXX XXXX. HSBC has been less than helpful in attempting to resolve this concern and continues to cause me more damage.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (NC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I received a call from XXXX. On my caller ID on my Cell Phone, it showed as XXXX XXXX. 
I answered the phone to see who was calling. If it was XXXX, which I have never done business with that I can recall, I wanted to make sure I was on their XXXX list. 
The rep came on the line asking to speak to me. I said she was speaking to me. She wanted to verify my address " for security purposes. '' She never identified herself as being a debt collector, that she was attempting to collect a debt, or what company she was from. She only advised that the call was monitored and/or recorded. I do not recall the name. I did not have anything to write it down. I advised that without knowing the company she was calling from, I would not give any other information. She said she would notate and hung up. 
I called back the number to learn they are ERC. They are trying to collect on a debt that I owe to XXXX. When I asked if they are masking numbers, explaining that I got a call that was coming from " XXXX '' she said they have many numbers they use. 

Problems with initial call I received:1. Deceptive phone number usage. 
2. Not identifying as a debt collector3. Refusal to provide company name when asked directly for it. 

I know for a fact that debt collectors have to identify they are attempting to collect a debt ( when I called back, the only way I knew they were attempting to collect a debt was when the person told me the company name ). I also know that they *have* to provide the company name when asked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 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: XX/XX/XXXX Equifax leak of information. Was named as potential target.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Student loan (Non-federal student loan) with CITIBANK, N.A. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have made Extra payments to be applied to my principal balance and have selected that option. Citibank keeps putting it towards my Monthly balance. This is XXXX me up to pay off my balance quicker.

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