milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/14/2016 about Debt collection (Payday loan) with WLCC (MI).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: they sent a fax to the head of HR and accounting at my company with a fake wage garnishment form. luckily she realized it was fraudulent and illegal before sending it through to garnish my wages. I sent them an e-mail, fax, and certified letter telling them to cease and desist all contact with me and my employers. they continue to call and send e-mails to my company e-mail threatening to send another fax to garnish my wages. i received one of those emails agian today. i have included the latest e-mail. i told them to stop this harassment back in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: Credit bureau has not provided the details that were verified with the creditor. I stated there were multiple inaccuracies with XXXX account and it was over 7 years old. the original deliquency date was somehow removed in XX/XX/XXXX which is now show XX/XX/XXXX with XXXX XXXX. Also, the amount of the debt is incorrect as I have discovered with the creditor should have been {$240.00}

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 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Ive tried countless times to have my unauthorized inquiries removed. Ive faxed, mailed, and called countless times. And its due to their breach.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Debt collection (Other debt) with Gatestone & Co. International Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On or around XX/XX/XXXX I began services with XXXX XXXX XXXX uner the Internet Access program - $ XXXX/month for internet, no installation fees, activation fees, or monthly equipment fees. From the beginning they billed me at the incorrect rate of nearly $ XXXX/mo plus equipment and other charges. Every month I would call, explain I was under the Internet Access program, they would adjust my bill, and tell me it would take a few billing cycles for the discounted rate to be properly applied to my account and I would just have to call every month to correct it in the interim. I proceeded to follow the instructions until in XX/XX/XXXX or XX/XX/XXXX, the discounts were n't applied correctly. I called about 15 times, talking to managers and supervisors, explaning the situation over and over again, waiting on hold for hours, taking up my entire lunch break day after day. They kepting promising to fix the bill but then nothing would happen. They sent the bill to collections, because I would not pay the incorrect about of close to {$300.00} ( thats about 30 months of service ) and I knew if I paid it they would NEVER refund it or properly credit my account. I formally disputed the bill in collections on XX/XX/XXXX, shortly after I found out. They still submitted this collections account to the credit bureaus and now its coming up on my credit when I am in the process of obtaining a mortgage loan. My loan is through a HUD counseling agenecy where they do n't necessarily look at credit scores ; they look at " credit character '' .Meaning this looks even worse for me because it looks like I just defaulted on a bill. I know without your help they will not remove this from my credit reports, even though it should NEVER have been there to begin with. I have put SO MUCH time and energy into this yet still they have failed to correctly bill me and I am suffering damages because of it.

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 Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working with PennyMac for almost a year in trying to modify my home. Back in XXXX of 2015, I was only 3 months late, and I had also a complete modification package with Penny Mac. While I was on a call with them to ask about the modification, I asked the agent where I can make my mortgage payment, and the representative instructed me not to make any more payments because then I would be denied because it would show I did not have a hardship. I was hesitant as I still wanted to make payments, but Penny Mac agent said do n't make a payment and we can not accept any more payments unless it is the FULL amount. Shortly after that, I received a Notice of Trustee sale even though I was in modification review and it was confirmed that ALL documents were in. But then, when I would call another agent would state that no, not all of your documents are in. They set a sale while I was in review and they are continuing to play these games with me. My brother and his daughter live in the home and I am XXXX right now with my elderly parents. My father was in the XXXX XXXX XXXX, I helped them with their mortgage payments for 6 months and that is why I fell behind, I have sent this proof in to Penny Mac and they are stating my hardship is not verifiable. Please help me It seems like Penny Mac just wants to foreclose without giving me a chance. Please dont allow them to tell people to miss payment and refuse a payment, I am ready willing and able to make payments, I just need a lower interest rate as it is 6.95 %. Please help. XXXX XXXX you.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MD).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I have had my student loans on my credit report for too long now I and I keep telling them I can not afford to make the payments as necessary dye to job income reasons and too the fact that I 'm already drowing in debt I have to delayed the payment but they did not give me the option to do so and I do n't want this to keep making my  credit score  very low they either need to discharge it because the school did not give me proper information in regards to loan and I still was misinformed about the program now the   XXXX   XXXX   XXXX   is now CLOSED and I do n't feel I should be liable to pay especially since they did n't give me the proper agreements when I signed up for school and right now I 'm having troubles making the required payments so they need to do something about this because I cant make the payments sorry! this has been going on since   XX/XX/10     fyi

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen Loan Servicing LLC offered a " PERMANENT '' modification for my mortgage which was for a specified a fixed rate ( not the current ARM ). The paperwork was to be sent back to Ocwen by XXXX XXXX, 2016 with the initial payment due by XXXX XXXX, 2016. I sent the paperwork AND the initial payment of {$410.00} by XXXX. It was delivered on XXXX XXXX and the payment was posted on XXXX XXXX as a " forbearance payment ''. Now Ocwen has changed it to a " TRIAL '' modification plan and sent a letter today ( XXXX XXXX ) saying I have missed a trial plan payment! Everything said the next payment of {$410.00} was due on XXXX XXXX, 2016. How could a payment be missed already, just 2 weeks later? I was to make a payment by XXXX XXXX and the next XXXX XXXX. They want XXXX payments now before XXXX XXXX. This is a bait and switch tactic and it appears they have been doing this for a while now, according to the website XXXX. Many Ocwen mortgage holders seem to have experienced the same thing, receiving paperwork that indicated one thing and then more paperwork saying something else, or seeing their account on the Ocwen website say one thing and seeing it changed to something else a day later! They are playing games with people.

Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (IL).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I spoken to discover many times and I ask then to help me out since I 'm still experiencing a hardship financially on my minimum payments. 
I ca n't afford the minimum payment is to high. I ca n't not pay XXXX and up its to much 5 months ago discover enrolled me in a plan which help reduce the interest rate lowered as low as 9 % or 7 % or lower. I was told that if after the 5 or 6 months they gave me if I was still struggling and if my emergency and financial situation was the same that I could contact discover back to enroll for another 6 month or 1 year depending on the offer they can get me. I am very upset because discover denied me the help I need. I need help now. My intention and priority is to pay all My statement balance in a period of time little by little but having just the minimum payment been high it is difficult for me and ca n't afford that payment and interest at this time. I wish my payments was as low as 30.00 to 40.00 each month like the 5 month or 6 I was only paying XXXX It was very helpful. 

I was also promise no late fees and u was also promise no interest charges for the 6 or 5 months but I did got interest charges fees and I told discover why if they promise to wave those 6 month or 5 of no interest charges on purchases but they still did. My account did n't changed much because they lied on not charging .e the purchase interest charges that is why it did n't lowered .Y balance as I have a XXXX payment rhe interest purchase charge was 35 to 45.00 so not a big change. This is approximately. 
I feel rejected and I feel left behind moments like this is wen I need help the most.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (NY).
Issue: Other service issues

Complaint: I have been making charitable contributions of money to individuals in XXXX for approximately three years through Western Union , Inc. These are now XXXX very poor families. There is nothing unlawful or divisive about these contributions. Lately I have made nearly XXXX transactions per month of small amounts of money for these families to purchase food, clothing and other life necessities. Suddenly I was arbitrarily and capriciously blocked from using their services. An action quite contrary to their advertisement. I have sent emails as I was directed by the company 's email and spoken to several company representatives to no avail. On XXXX XXXX, 2015 I was on the phone with XXXX different individuals for more than an hour and was told by the last individual that the action was result of a " business decision ''. Each individual indicated they did not have privilege to the information relative to the reason for this action. Whereas my attempts to interact with the company for resolution have each failed I turn to this agency for assistance with resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Equifax has several erroneous items listed on my credit report and I'm convinced it's because they have me mixed up with someone named " XXXX XXXX. '' My name is XXXX XXXX - always has been. I've never had any other name. 

When I try to login to their online disputes process, most of the security questions do not apply to me. I'm asked about accounts / monthly payments that I do not have, which again, further indicates that Equifax has me mixed up with someone with a similar name.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Vehicle loan or lease (Lease) with TOYOTA MOTOR CREDIT CORPORATION (AR).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: I went to XXXX XXXX in search of a car lease within a week of my bests friend going to the same company and getting a lease. We had similar credit and a similar situation when we applied for our loans. We both had co signers. Our credit was actually better than there 's. We walked away with a XXXX XXXX XXXX with a {$290.00} payment for 36 months with a XXXX mileage cap. My cousin walked away in a XXXX XXXX XXXX XXXX with a {$270.00} payment for 36 months with a XXXX  mileage cap. I have asked the company how it is that we both were there within a week and managed to have such a difference in our mileage caps. No explanation. In my opinion this is unfair and unjust. They should be required to offer the same lease terms to borrowers in similar situations.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I had previously been told that Navient received a refund from XXXX University, after I stopped attending. When I called to follow up, I was told the representative who gave me that information was mistaken and no such refund was received. <P/>I requested a loan discharge on the basis of ineligibility to benefit and not being qualified as I did not have a high school diploma or GED at the time I enrolled in XXXX University ( I still have neither ). To work as a XXXX XXXX XXXX in Florida, I would need one or the other. I was not given an exam or test of any sort at any point by XXXX. I 've also faxed Navient my high school transcript, which shows I did not graduate, as well as confirmation that only half of the loan was actually dispersed, obtained directly from NSLDS. The rest clearly shows " amounts canceled '' and " amount dispersed ''. They do not equal up to the loan amount they 're saying I owe. They have the principal amount as {$4300.00}. The amount actually dispersed, as shown on nslds was only {$2600.00}. They requested I get a letter from the school stating I did n't have a diploma or GED. The school is closed and there is no way for me to get the proof they 've requested. When I asked them about this, I was told to contact the Florida Department of Education ombudsman. Due to the inaccuracy of the amounts dispersed, I was referred back to Navient. They are either unwilling or unable to assist me, as I was told they could n't see what was actually dispersed when I called on XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently pulled my Credit Report and saw many errors. I did not have knowledge of these two debts. They are not mine and when I attempted to resolve this issue with the creditors they only wanted me to pay and would not help me at all. It is very unfair that I have debt on my report that does not belong to me. Please help me to remove this so I can move forward. The creditors should be thrown into jail for how they speak to people and especially when it is not the individuals debt. Please Help! The last XXXX accounts on my Credit Report that I have no knowledge of are an XXXX XXXX company that states they represent XXXX XXXX. I have no knowledge of this debt and it should not be reporting on my Credit Report. The other is XXXX XXXX XXXX. It also should not be on my Report Because THIS DEBT IS NOT MINE. I have tried and tried to work this problem out and have n't been helped yet! Please Help!! There are also XXXX accounts that are reporting on my report that are too old. They should not still be there. It is illegal for them still to be reporting and they are XXXX XXXX and an account by the name of XXXX. 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 07/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: They keep calling my cell phone, which is illegal. They have also called me at work. 

The company in question harassing me is known as Enhanced Recovery Company ( ERC ) XXXX They are calling me from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09/20/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Experian Information Solutions Inc. (NV).
Issue: Confusing or missing disclosures

Complaint: Experian is absolutely refusing to give me a receipt for the money I 've spent with them. I paid XXXX dollars for a credit freeze and they are refusing to write me a receipt. Thus comes directly from management. Their industry has let ALL of my personal information " slip. '' I have to sue XXXX  to get me money back. Experian either wo n't send me a receipt because they are trying to protect their industries money or because they are prejudicial against my XXXX heritage. Either way it is unscrupulous and purposeful.

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 01/27/2017 about Credit reporting () with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: BOA are the frauds, theives. I have no idea why they placed a negative report on XXXX. If there was any suspected fraudulent activity whywas n't I notified?? Especially when they reported me XXXX XXXX & I had the acct till XXXX XXXX. They are the frauds. For several years they changed the order of my debits, POS transactions, etc. At least every month my acct would be in the negative. Sometimes as much as {$400.00}. I always kept very good banking records. Everyday I would deduct all my transactions exactly in the order they were done. When reviewing my negative balance and banking transactions over the phone. They always completely changed the order the transactions were done so the largest ones went thru first instead of the correct order which I deducted. When I would go to the bank to try to resolve my acct & fight for the fees back they always had my transactions go thru in their favor. I was a single mom with a child a house and XXXX jobs. They took XXXX off me. Approx that same year I along with thousands of others were involved in a class action lawsuit with BOA. Eventually I received a small compensation from it, but it was a drop in the buck compared to what they took from me. Please help me with this and maybe see if you cab have those theives remove me. Ty, 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 03/29/2018 about Mortgage (Conventional home mortgage) with Seterus, Inc. (CA).
Issue: Closing on a mortgage

Complaint: I have been trying to get the payoff balance on my loan. I called again today ( XX/XX/XXXX ) to follow up on the balance so we can refinance with another company. Seterus, Inc. informed me that they received our Chap. XXXX completion notice from the Judge on XX/XX/XXXX. I was also informed that Seterus, Inc. was to have my account completed with their bankruptcy dept. by XX/XX/XXXX. They acknowledged that we had a request for payoff in XX/XX/XXXX and again on XX/XX/XXXX. When I requested the payoff again on XX/XX/XXXX I was told that it could take up to 180 days to process the bankruptcy clearance before a payoff could be completed. I was told not to call back this week as it would not speed anything up. I called back today and was told that while they acknowledge that they have not met any of THEIR requirements to process a payoff, I would have to continue to wait while they try to get the information completed. They are running me around in circles while they acknowledge that they have not met their deadlines. I have DEMANDED a payoff balance to be processed immediately and they just tell me that they have " expedited my complaints '' and they are " working on it ''.

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 08/18/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: My issue is with Citi Bank who now handles credit for Macys. About one year ago I was moving to a new location and a few of my bills were missed, including a Macy 's bill. I had a XXXX balance so I could n't imagine why my credit card was closed. Citi Bank now charges Macy 's card holders a fee if they do n't use their card. I was never told anything about this. I knew I had a XXXX balance so I did n't understand why I was being penalized. Citi Bank has been more than difficult about this. They seem to be the ones at Fault because they do n't make this clear to customers. I do not appreciate having my credit card closed and now have denied another card. I did n't even do anything wrong. I talked to serveral people in the upper level credit division and they said they have received many complaints about the extra fees. This action is not good, I am sure it has impacted 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