milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: THERE HAS BEEN A STUDENT LOAN ON MY CREDIT REPORT FOR SEVERAL YEARS. XXXX XXXX XXXX. AFTER TAKING CHARGE OF MY CREDIT REPORT I DECIDED TO START REQUESTING INFORMATION ABOUT THIS STUDENT LOAN DUE TO THE FACT IN XX/XX/XXXX I WAS XXXX AND I SIGNED UP FOR COLLEGE AT XXXX XXXX XXXX XXXX AL. I STARTED OR ENROLLED IN XX/XX/XXXX I WENT TO COLLEGE FOR ABOUT A MONTH AND A HALF BEFORE DROPPING OUT OF SCHOOL. I NEVER RECEIVED ONE CHECK FROM THAT SCHOOL. AFTER MONTHS OF INVESTIGATING ON MY OWN THERE ARE SO MANY DISCREPENCIES THAT DONT ADD UP. SO MUCH INCORRECT INFORMATION. AND I HAVE SINCE FOUND OUT THAT THIS COLLEGE WAS STILL GETTING CHECKS FROM STUDENTS AFTER THEY HAD DROPPED OUT. THESE ARE THE DISCREPENCIES THAT WAS FOUND ON MY NSLDS.ED.GOV ACCOUNT 1. ) IT IS SHOWING MY LOAN PERIOD BEGIN DATE ( STARTDATE ) AS XX/XX/XXXX WHICH SOUNDS ABOUT CORRECT BUT IT IS SHOWING AS OF XX/XX/XXXX I  GRADUATED. THIS WAS A 2 YEAR COLLEGE FOR A XXXX DEGREE IN XXXX XXXX. NO WAY POSSIBLE I GRADUATED IN XX/XX/XXXXWHICH MEANS I GRADUATED IN 4 MONTH S 2. ) SHOWING AS GRADUATED AND I ONLY WENT FOR ABOUT 1 MONTH AND 2 WEEKS 3. THE GRADUATION DATE EFFECTIVE XX/XX/XXXX IS ACTUALLY WHEN THE SCHOOL CLOSED MY ACCOUNT OUT AND ENDED MY ENROLLMENT 4. NEVER CASHED OR SIGNED A CHECK FROM XXXX XXXX XXXX XXXX AL SEE ATACHED PAPERWORK SHOWING WHERE SCHOOL FRAUDED THE US DEPARTMENT OF EDUCATION OUT OF MILLIONS OF DOLLARS.
5.I REQUESTED SCHOOL TRANSCRIPS SHOWING ME WITH ONLY 20 HR 6. I FILED A COMPLAINT WITH THE ALABAMA XXXX XXXX XXXX DUE TO DISCREPENCIES AND FRAUDULENT ACTIVITES, INACQUERATE INFORMATION ON THE NSLDS.ED.GOV IT SHOWS THAT THERE WAS ANOTHER LOAN IN XX/XX/XXXX TAKEN OUT BUT IT ALSO SHOWS I GRADUATED IN 4 MONTHS XX/XX/XXXX. 7. THIS COLLEGE HAS DAMAGED MY CREDIT FOR YEARS REPORTING FALSE INFORMATION TO THE NSLDS.ED.GOV THIS SCHOOL DEFRAUDED ME AND HAS RUINED MY CREDIT.
8. PLEASE REVIEW INFORMATION THOROUGHLY AND AFTER READING PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS .I WILL ALSO MAIL A COPY TO ALL 3 CREDIT BUREAUS ASKING REMOVAL FOR DISCREPENCIES AND FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Debt collection (Other debt) with Franklin Collection Service, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XXXX XXXX I received an alert that I have a collection on my report. I never received a call or letter from franklin collection service. I called the agency they stated it 's from XXXX for service I never received. I leased my home for 3 years and during this time I became a victim of identity theft. I submitted a dispute to the creditor they reported it again as a new debt. I also checked this collection agency is not authorized to collect debt in Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Other debt) with Ascension Point Recovery Services, LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I am concerned about identity theft by this company. Scam debt collection call regarding my recently deceased mother. My mother has never owed any debt and being from the   XXXX   XXXX   generation rarely used credit cards and paid for most expenses by cash.     In calling the number,  XXXX , it was found to be a company, AscensionPoint, and I found numerous complaints online about their scam practices especially in the cases of deceased family members.     Unfortunately,  AscensionPoint h as a website ascensionpoint.com,  XXXX , that makes it appear to be a legitimate company but obviously, it is a fraud/scam organization.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OK).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX First I phoned Wells Fargo I lost my job. I asked them about HARP and if I qualified. They said no ( I later found out that I did ). WF talked me into a modification loan which was to help me. They never explained that it would make my credit score sink to nothing. They also created a separate account which I made my modification payments too, while my other original account was still open reporting I was n't paying anything to. Which created a late payments and interest build up. The added {$10000.00} to my loan. From the time of the mod to the end of the mod, I paid in over {$13000.00}, that does not include the {$10000.00} extra tacked on. I was told this mod would take about 3 months to finish, it took almost 1 year which hurt me. I found a number direct to the harp program, they acknowledged that I would have qualified very easily. I would like to get back everything I have lost. I can not buy anything because of Wells Fargo. I have sold my house and cant buy another even through Wells Fargo where they know my history. This is the worst Mortgage company I have ever dealt with. I know they are under investigation for other accounts, but someone really needs to look at the mortgage side and how the handle and convey information plus everything should be done through one account not create another. In my opinion the is wrong, this shows incorrect reporting to superiors and stakeholders and to public.

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 03/17/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Credit decision / Underwriting

Complaint: In XX/XX/2015 I called Bank of America to start the process of modifying my 2nd mortgage on my principal residence. By XX/XX/2015 we had reached an agreement on a modified loan and payment that worked for me. During this process I was told by my account rep. ( XXXX ) and another acct. rep ( who I did not get her name ) that because I did not payoff the loan amount of $ 500k which matured on XX/XX/2015, to keep making the interest only payments on time, but they would be counted as late payments since I did not payoff the loan in full. They also said that once we get this loan modified that Bank of America would go back and clear up and remove all of my " late '' payments. I trusted what they told me, but now that I have done what was asked of me ( to make the 3 trial payments ) they now are telling me that they do not do that. They will not remove the 39 late payments off of my credit report. I feel like I have been mislead and lied to by Bank of America. About 30 days after the loan was modified I called BofA and the rep at that time said to give it more time for them to do that, and now I am being told they just do n't do that.

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 02-06-2018 about Debt collection (Medical debt) with AmeriCollect (IA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt was undertaken during an incident that occurred due to being XXXX XXXX XXXX XXXX. When the settlement came in, it was for less than expected and it didn't cover all my bills and time off work. 

The hospital refused to recognize my insurance at the time, stating I would have to be personally responsible for the entire amount. 
I tried repeatedly to work with them, attempting to file for Indigent negotiations, and tried to negotiate a settlement that would have made with my settlement. 

They avoided final discussions, entered it into collections and added to my credit report during negotiations ; even after was told repeatedly that they would not do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Debt collection (I do not know) with Southwest Recovery Services, Inc. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I receive a collection notice from Southwest recovery service the creditor is XXXX XXXX.I contact XXXX XXXX leasing and they notify me that they do not do commercial loans therefore it is a scam that either someone trying to use with Southwest recovery service to get funds from me. I file a dispute with the credit bureau XXXX and also call them they hang up on me when I give them my social security number and zip code. Took them less than 10 days to investigate this and they stated that the account was accurate and it remain on my credit report I am filing a complaint against XXXX and I will take legal action if necessary. Southwest recovery service is fraudulent scam working with whoever got my information and wants me to pay something that I do not owe.Please follow up. If it helps please contact XXXX XXXX and they will also let you know that been several phone calls on this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (I do not know) with The Leviton Law Firm, Ltd. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Ive received 2 voicemail 's from the XXXX XXXX XXXX representing XXXX in regards to a debt for my business. I called and spoke with XXXX, who stated that I owed a debt from a policy that I had from XXXX XXXX to XXXX XXXX. I had no knowledge of the debt so I asked for additional documentation. He could not provide that but offer to give me the contact of the debt collector. The gentleman by the name of XXXX XXXX was rude and could n't provide any additional information in regards to this policy/debt and asked me not to contact him anymore. Both parties will not send any documentations and I will not claim a debt that I have no documentation for. I have included the times and dates of our conversations. 
XXXX Voicemail ( Law Firm ) XXXX Voicemail left by XXXX ( Law Firm ) XXXX ext XXXX Case # XXXX Policy # given XXXX XXXX/XXXX/XXXX Phone calls between myself and XXXX XXXX Phone call between XXXX ( XXXX contact ) , contact # XXXX Please investigate this matter

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2015 about Credit card () with WELLS FARGO & COMPANY (WI).
Issue: Rewards

Complaint: I have applied for Wells Fargo XXXX and I was told by a rep, that each point I earn on the card I would be able to redeem for XXXX cents per point. When I log in into my account I see only redemption for XXXX cents. i called numerous times about it, but every time I 'm told bank is looking into it and they have created case # XXXX. No other updates at all.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Just assuming here; I called and paid off the old XXXX bill and they charged my account XXXX. Contacted XXXX and they had no record of being XXXX charged so they bank fixed it right up cause there was XXXX from XXXX. Now it still shows I owe then when I paid it off in XX/XX/XXXX. Honestly this company should not be in business if they can't keep accurate records.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Mortgage (Conventional fixed mortgage) with LAKEVIEW LOAN SERVICING, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I closed my mortgage with Lakeview Loan Servicing LLC on XX/XX/XXXX. 
After being paid in full, my escrow balance was {$5300.00} and I have yet to receive those funds more than 2 and a half months later. The first check sent to me bounced and I still have yet to receive a second check as of today, XXXX. 
Is this company in violation of RESPA guidelines? Am I entitled to compensation of interest or late fees on my money that they are playing with? 
I would like this complaint to be on file with this company so that this mistreatment and inconvenience to me is documented.

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 05-05-2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for  TRANSWORLD SYSTEMS lic ense. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-101. TRANSWORLD SYSTEMS do es not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTI CES ACT 62-20-105 stat es no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES A CT 62-20-108 ( a ) ( 1 ) Every collection service shall have, for each location at which it conducts business a location manager who  has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-123  states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor.  TRANSWORLD SYSTEMS is i n direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NC).
Issue: Shopping for a loan or lease

Complaint: I currently have a 14 % interest rate on my car loan. I went online and completed an application so that I can trade in my current vehicle and get a lower rate since refinancing did not work. The online application asked for my PPI and Employment/Income. After I was done I received a pre-qual good for up to XXXX. Shortly after I received a call from the dealer and I outlined everything that was of interest to me. I stated interest rate under 7 % and payment under {$300.00}. I never received a call back from the agent and shortly after found that they had completed XXXX hard pulls on my credit in addition to the one. These pulls were not authorized. I just filled a complaint with the company and have been receiving contact from a gentlemen that works there by the name of XXXX. He explained the dealer went back and pulled a tri-merge. I let him know that still was not authorized and that it is now going on two weeks and no one has even made an attempt to contact me back.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit card () with PAYPAL HOLDINGS INC. (NY).
Issue: Unsolicited issuance of credit card

Complaint: While purchasing a pair of shoes for Off Sacks Fifth Avenue site. I decided to use my XXXX account tided to my XXXX XXXX credit card, I was re directed to a deferent page where I was asked to put in my personal information. This page did not indicate that I was applying for a XXXX credit. A month later I received a XXXX bill for the {$250.00} for the purchase. 
I assume it was a mistake and did not call XXXX until the following month when I received the bill again with very high late feeds. 
I complained that I did not open credit with them and I was told that I had gone to the wrong page which was not the case. 
I paid their charge but I was very upset with how customers were misled.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Mortgage (Conventional home mortgage) with Select Financial Services, Inc. (OK).
Issue: Trouble during payment process

Complaint: I have lost count as to how many times I have contacted XXXX XXXX with the goal of getting them to do what is required by law with the transfer of a mortgage. But as of this date they are still NOT complying with the legal requirements for transferring a mortgage and therefore I am being forced to take this matter to the next level. 
They have erroneous stated in each of their letters that I am represented or have been represented by the XXXX XXXX XXXX. IN EACH RESPONSE TO THEM I HAVE INFORMED THEM THAT I AM NOT AND NEVER HAVE BEEN REPRESENTED BY THEM AND THERE ARE NO RECORDS TO SUPPORT THAT LIE THEY ARE ESPOUSING! THEREFORE, THEY DO NOT NEED ANY TYPE OF CORRESPONDENCE FROM A FIRM THAT I HAVE NEVER USED! I AM TELLING THEM THERE IS NO CONNECTION AND EITHER THEY ARE INCREDIBLY STUPID OR DO NOT HAVE ANYONE AT THAT COMPANY THAT CAN READ! THERE LIES ABOUT SENDING ALL COMMUNICATION TO THAT FIRM IS ALSO UNLAWFUL! I have STILL NOT LEGALLY been informed concerning this transfer they are stating has taken place. In their last response they FINALLY ADMITTED what I have been telling them in every complaint and even apologized to " the mortgagors for any inconvenience they may have caused ''. BUT, EVEN AFTER ALL THE COMPLAINTS I HAVE FILED AGAINST THEM THEY STILL HAVE NOT COMPLIED WITH THE LEGAL REQUIREMENTS OF TRANSFERRING A MORTGAGE BECAUSE I HAVE NEVER RECEIVED ONE PIECE OF PAPER SENT TO MY RESIDENCE NOTIFYING ME OF ANY CHANGE IN MY MORTGAGE. NOTHING FROM XXXX OR THIS COMPANY SO AS FAR AS I AM CONCERNED LEGALLY, XXXX STILL HAS MY MORTGAGE! IT CAN NOT BE IN FORECLOSURE BECAUSE XXXX IS UNABLE TO FORECLOSE DUE TO THE SUPREME COURT CASE THEY LOST! IF ANYTHING IS DONE BY THIS COMPANY REGARDING MY HOME I INTEND TO SUE THEM IN EVERY COURT POSSIBLE! I EVEN SENT THEM A CERTIFIED LETTER WHICH THEY HAVE COMPLETELY IGNORED! THEY HAVE IGNORED ALL MY CORRESPONDENCE, EVEN THOUGH I HAVE A RECORD OF SENDING, SO OBVIOUSLY ARE TRYING TO CONTINUE ILLEGAL ACTIONS WITHOUT MY KNOWLEDGE! THE LAWS ARE VERY CLEAR REGARDING FORECLOSURE AND THEY HAVE BROKEN THEM ALL!

Company response to consumer: Untimely response
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (UT).
Issue: Problem with fraud alerts or security freezes

Complaint: Because of the XXXX Data Breach, I attempted to add a credit freeze to a paid credit monitoring service with Experian. I have been unable to log into my account for two days, and when I contacted Experian today ( XXXX XXXX, 2017 ), I was told that all of the servers were down due to inclement weather in Florida. I am troubled that Experian is n't required to have a redundant system, or hot site, to continue to conduct business similar to the requirements for banks. 

I am unable to place a freeze on my credit reports to safeguard against the XXXX data breach, and I find it unacceptable that Experian is not able to monitor and report changes in my credit as they agreed to in the " Triple Alert '' monitoring service.

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 02-04-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Using a debit or ATM card

Complaint: Bank of America issued a new debit card without consulting me and without my consent while I am abroad. This has effectively rendered me unable to obtain cash in local currency while abroad. In my opinion, such action is criminal as it puts customers at potentially significant risk. If Bank of America suspected my card had been compromised, they should and could have consulted with me first before issuing a new card. There are absolutely no fraudulent transactions on my account. Instead, their haste has put me in quite a bind.

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 03-10-2017 about Student loan (Non-federal student loan) with SLM CORPORATION (IL).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: Today, I applied as a co-signer for my daughters Sallie Mae Student Loan. I am XXXX and there fore my source of income comes from XXXX. The application was denied based on fraud. They made false claims against me in regards to my credit worthiness. I was also told by a supervisor that they do not base approval on the fico score. I was told credit scores have nothing to do with their decision making. But, in the denial they told me my credit score is adverse. I am accused of having delinquent accounts. And I am also told too few accounts get paid as agreed. These are lies. I feel like they just did not like the fact that my source of income comes from XXXX. Why would they have to lie about my credit report? The only reason would be if they had another reason as to why they wanted to deny me. And they could not find anything negative enough on my report to HONESTLY deny the loan. So, they MADE UP LIES. I bet there are many borrowers that receive employment income with a whole lot worse credit then myself that they have approved for loans. My daughter is devastated. She needed the loan to complete her schooling. I was also told that they only go by credit worthiness of showing ability to pay. I do n't have negative collections showing up on my report. How many other loans get approved for those who income is from XXXX? Probably none. After what they did to me today. I would not doubt that at all. Can anything be done about it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (NJ).
Issue: Managing the loan or lease

Complaint: My car was declared total loss and my insurance paid to my lender $ XXXXand I paid for a Gap insurance and it has to pay the rest of my balance which is {$800.00}. My Lender does n't want to cooperate with the information requested from my Gap insurance and it wants me to pay for a car that was declared total loss.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2016 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The XXXX account is being reported incorrectly! The account is paid and the agreement made with them was for the " Full '' balance not " less then full balance ''

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