milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/28/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In spring of this year ( XX/XX/XXXX) I sent in my income documents after I got a raise at work so they could re-calculate my Income Driven Repayment plan. The repayment plan I was on before sending in my info was due to end on XX/XX/XXXX. As of today, XX/XX/XXXX, they are still not done recalculating my new monthly payment amount. 

I have called multiple times a month, month after month since sending in my documents, and they always tell me it will be ready in 7-10 days. However, this has been untrue each time. In XXXX they put me into forbearance so I would n't have to pay XXXX XXXX dollars that I would owe without a repayment plan. I am working on the Public Student Loan forgiveness  program, so each month they push back recalculating my loan, it is costing me money that would have been forgiven at the end of that program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Holloway Credit Solutions (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: HOLLOWAY CREDIT SOLUTIONS IS REPORTING ON MY XXXX CREDIT REPORT, AN ACCOUNT FOR XXXX UNIVERSITY. THE AMOUNT THEY LIST ON MY CREDIT REPORT IS FOR {$1100.00}. I DISPUTE THIS AMOUNT FULLY. THEY ARE ILLEGALLY ATTEMPTING TO CHARGE A COLLECTION FEE ( I BELIEVE FOR {$230.00} ) ON THIS ACCOUNT. I HAVE NEVER SIGNED ANY DOCUMENT STATING THAT I WOULD PAY A SPECIFIC AMOUNT FOR A COLLECTION FEE. THIS COLLECTION FEE NEEDS TO BE REMOVED. ATTEMPTING TO COLLECT A FEE WITHOUT PRIOR, MUTUAL AGREEMENT OF THE COLLECTION AMOUNT, IS ILLEGAL IN THE STATE OF ALABAMA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Numerous times I have submitted a request to have information blocked from my credit report as a result of identity theft. I have included the police report, identity theft affidavit and all other requested information. The credit bureau still refuses to block the information. I do n't know where to go now.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received a credit alert several days ago that a hard credit inquiry had been added to my account. The inquiry is from XXXX and is date XX/XX/2018. I did not authorize this credit inquiry, and I don't not currently, nor have I ever had, a XXXX account. 

I have had several other fraudulent credit checks on my account over the last month, and I have issued a fraud alert on my credit, which was put in place prior to the date of the XXXX credit inquiry. 

I have attempted to contact XXXX customer support several times to notify them of the fraudulent credit check. My concern is that someone has used my personal information to open an account with them. All of my interactions with XXXX customer support have been unproductive. I have been told each time that they are unable to remove the unauthorized credit check, and have not given me any information or different point of contact to for how to remove the inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with GLA Collection Company, Inc. (KY).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX, KY has billed me just over XXXX dollars ( the amount changes based on whom you speak to ) for an ultra sound they conducted on me at my Doctors request on XXXX XXXX, 2015. At the time of service I paid my required co-pay. The Insurance company paid them approx. XXXX dollars less than the hospital wanted. It seems the hospital is trying to bill me the difference and has sent it to a collection agency called GLA collection ( XXXX XXXX XXXX XXXX, KY XXXX ). I have made payment arrangements with the collection company, but after investigating this I have learned that they are billing me for the difference. No one at the hospital told me that my insurance would not cover all the procedure. They took my copay and they took the insurance companies money for payment. Payment was given to them, and they do not have the right to collect more money, after agreeing to take the money given by insurance and me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (NC).
Issue: Managing the loan or lease

Complaint: I have an auto loan with TD Auto Finance that was taken out in XXXX XXXX. My payments began in XXXX XXXX. I am enrolled in the auto-pay feature on the TD Auto Finance Website. Since the loan was originated and payments made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX I have not received a single account statement via mail or able to access statements online when I login. I called into TD Auto Finance on XXXX XXXX, XXXX and was told that since I am enrolled in " auto-pay '' they do not send statements nor are statements accessible online. This is absurd. As an account holder and payor I should be able to access my account statements at any time. They said if I wanted statements I would have to call in every time to request them. Why should the benefit of receiving or accessing an account statement be removed if a payor is enrolled in auto-pay? The auto-pay is a benefit to the creditor as they are more likely to get payment on time. As a consumer I feel like my account data is being kept from me in hopes that I will miss a payment so that additional loan fees, interest and penalties can be assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. ().
Issue: Money was not available when promised

Complaint: On XX/XX/2017 i noticed an unauthorized payment on my account with my card and i filed a claim. ( XXXX ) On XX/XX/2017 i received an email from PayPal in which there was written that they completed the investigation and that i would be completely refunded. The refund would be sent in XXXX step : 1 adding the funds to my balance XXXX moving them to my credit card Today on XX/XX/2017 that money are still on my balance, PayPal forgot to move them to my credit card. 
PayPal User Agreement tell that every refund must be accredited to the same payment method of the original transaction. 
After 1 month i still have n't the money on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Consumer Loan (Pawn loan) with BB&T CORPORATION (AL).
Issue: Can't contact lender

Complaint: XXXX XXXX claimed he worked for BB & T said I was approve for the Obama Government loan of 2.25 % interest on my Home But had to send XXXX to be able to get this rate by XX/XX/XXXX and then he would send me all of the paper work also talked to a XXXX XXXX which he claim he was a Manger for BB & T to let me know I was Approved .So I sent the money now I find out that was not true so I am out XXXX the phone number is XXXX I have the recipient for it. I found out it was not true now I want my refund they said they would give me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2015 about Bank account or service (Savings account) with SYNCHRONY FINANCIAL (OH).
Issue: Account opening, closing, or management

Complaint: Synchrony Bank charged my account a withholding fee of {$19.00} because they said they did not receive my signature card in time. I actually sent XXXX signature cards on XXXX different occasions as soon as I received the requests from Synchrony. Their Customer Service rep. admitted that they moved their offices to XXXX, GA during this period and that receipt of mail was delayed. They now tell me that my account will not be credited until the end of the calendar year per Federal Law. I feel that this was not my fault and that I should be immediately credited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Good Morning, I am submitting a claim against IC Systems collection agency and there effort to collect on an account that is current and not past due. This company has been trying to get me to pay on my cell account that I still have to this day sating that XXXX told them this account is closed and past due. This morning I went online and saved the statement and it has a credit and nothing owed. Please also IC Systems has put a derogatory collection account on my credit reports that has damaged my credit and needs to be removed immediately

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 04-06-2017 about Mortgage (FHA mortgage) with AmeriHome Mortgage Company, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter saying I had approx. {$900.00} overage in our escrow account. When I called AmeriHome, they said we were in the red with our escrow. At the end of the year each year, we are approx. {$1000.00} overage in our escrow but do n't get a refund. They asked if I wanted a refund or use that money to apply to next year 's escrow. I asked for a refund but now I 'm being told we are short the same exact we were supposedly over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Debt collection (I do not know) with Capio Partners, LLC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: i was reviewing my credit report and found this item on my credit report, and have never been contacted by this company at all. I am a victim of id theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2016 about Debt collection (Credit card) with Debt Recovery Solutions, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: We are being harassed by frequent calls From XXXX Debt Recovery Solutions and they are looking for XXXX XXXX XXXX. My Name is XXXX XXXX and no one by the name of XXXX has ever lived in my house. Calls for XXXX have been received over the past 8 years and they are demeaning and annoying. 

Calls to these debt collectors to have the calls stopped simply result in a different agency starting the calls. 

There is no indication from my Identify Protection Service that I have ever had over due debt. 

The DRS ROBO calls about once a week. There after they use psychology by having a ROBO call and advertise lower interest rates. They also make frequent no message calls to keep the pressure up. DRS actions meets the definition of terrorism. 

DRS ( Debt Recovery Solutions ) XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ( XXXX ) XXXX - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A credit card application was attempted with XXXX on XXXX XXXX. I have filed a fraud report with them and would like to have this hard credit inquiry removed from my account. I did not authorize this credit card attempt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX 2013 XXXX Volunteer repo Lose my job and I told them come and get it the the lady told me it will not be on my credit and I see that was I lie and keep calling me tell me it 's going to damage my credit and I see as if today they sold it to other lender

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Diversified Consultants Inc. ( DCI ) pilfered my rights as a consumer as a result of not following the laws of FDCPA. DCI did not provide proper notification ( a dunning letter ) to allow me the right to dispute the validity of this supposed debt ( they claim I owe DCI ) before reporting this account to my credit report on XX/XX/XXXX ( according to my credit report review ). DCI has not provided proof that a dunning letter was sent and received before reporting this account on my credit report, despite my current and permanent address being accessible from my credit report. 

Upon my own request ( following a credit report review ) after my consumer rights have already been violated, I requested debt validation from DCI in XX/XX/XXXX. Diversified Consultants Inc. has not provided the proper documentation that illustrates I am financially obligated to pay Diversified Consultants Inc . I have attached the documentation that was provided to me that does n't have accurate information in regards to my personal information ( my residence during that time frame ). Furthermore, this documentation shows no financial obligation on my part to Diversified Consultants , Inc . This documentation has no evidence that ties me to this debt or DCI besides my printed name. The documentation they have provided is not adequate debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: One tax lien is incorrect and reporting with Experian, I have searched my name under Georgia Department of Revenue site under delienquent taxes and results list " no date found '' ( screen shot attached ), at the following Georgia State Department of Revenue 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 non-monetary relief
Consumer complaint received 09/25/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage is currently serviced by Ocwen. Ocwen modified my mortgage loan in 2012 and reported a principal reduction of XXXX to the IRS. However, Ocwen never reduced the principal on my loan by {$220000.00} ... .they simply report that amount as a " XXXX waived balance '' ( see attached ). I was advised by Ocwen that even though they did not reduce the principal of my loan, the IRS advised them it was " OK '' to report the loss. Since I received a XXXX income statement for XXXX, it has caused major issues with my tax filings, due to the extreme income adjustment. Ocwen has refused to reduce the principal balance of the loan by {$220000.00}, even though they have reaped the benefits of the IRS tax write off. Clearly, Ocwen has violated Federal IRS Tax Code and is guilty of financial fraud. Ocwen has also issued forced placed hazard insurance ( HOI ) at {$3500.00} per year, which is very extreme based on the current value of the property. Ocwen has failed to prove up the force placed insurance policy, even though i have requested it on numerous occasions. This serious increase in HOI has bumped my pushed my escrow up to {$430.00} per month ( see attached ). Furthermore, the current HOI has refused to pay for the serious plumbing repairs that are covered in normal insurance policies. Overall, I feel cheated and deceived by Ocwen, so I am seeing your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (MT).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am in the Public Service Loan Forgiveness Program. My loan payments are calculated at the lowest payment based on my income. I also attend school. I have submitted waivers for each loan sequence where a waiver is possible. My loans should always be in repayment. My student loans are serviced by XXXX XXXX XXXX. Each year this problem occurs and I spend hundreds of hours of my time fixing the problem. 

Recently, XXXX University updated my status with XXXX XXXX XXXX as in-school. Somebody at XXXX  XXXX messed up my deferment dates and wiped out years of qualifying PSLF payments. I have called and called and called and I need your help. XXXX XXXX XXXX will not fix the problem. I need my loans all put back into repayment, the lowest IBR payment reapplied, my qualifying XXXX payments from XX/XX/15 to present reapplied to my account, and a note put on my account telling the people who work at XXXX  XXXX XXXX to leave it all alone going forward. 

I just want to make my IBR payment, I want my qualifying payments put back on my account, and I want XXXX XXXX XXXX to leave my account alone. Their mistakes end me up in this situation every year.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Credit card () with CITIBANK, N.A. (AR).
Issue: Billing disputes

Complaint: On XXXX/XXXX/15, I purchased some Car Audio equipment, I paid the buyer with my Citi-Bank credit card. I never received the item 's I purchased. I filed a dispute with Citi-Bank, On XXXX/XXXX/15, I received a conditional credit. On XX/XX/2015. Citi - Bank reversed the credit. On XXXX/XXXX/15. I received a letter from Citi-Bank reguarding the transaction. If I wanted to still dispute it I had to fill out the form and send it in. I sent it twice. But City-Bank, claims they never received either one. Now they tell me the time to file has elapsed, not my fault they cant do a simple task, and constantly lie. This is why they will never Be XXXX or XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-02-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I became aware of the Public Service Loan Forgiveness ( PSLF ) program around XXXX. At that time, I contacted my loan servicer, XXXX XXXX ( then to become Navient ) and asked the service representative if I could be placed on the right type of payment plan to qualify for PSLF. I was assured that yes, I was on the right type of payment plan. 

Through the following years, I had various phone interactions with XXXXXXXX XXXX/Navient customer service representatives. Each time I asked if I was on the right type of payment plan, and each time, these different representatives assured me that, yes, I was. Around XX/XX/XXXX, I submitted my first Employment Certification form. I have been working for a XXXX XXXX XXXX since XX/XX/XXXX. Upon review, it was determined that my work qualified for the PSLF program, and my loans were transferred from Navient to XXXX XXXX. Upon additional review, XXXX informed me that of all the payments I had made over the years, only 13 payments were considered qualified for PSLF. 

Apparently, I had been under the false assumption, due to false information, that my payments should have been qualified starting around XXXX. This means that while I thought I was on the right plan, I ultimately was not, and about 3 or 4 years worth of potential payments toward PSLF were essentially lost to me. 

In an effort to research the problem and hopefully correct any potential mistakes, I then contacted Navient. Navient confirmed I had only 13 qualifying payments. I asked them how on earth was that possible, as I expected accurate information from their customer representatives. After much discussion, Navient ultimately accepted no responsibility nor offered any avenue for recourse. I asked Navient for a hardcopy of all of my payment history to be mailed to me so that I could review it myself. They agreed. It 's now a good 8-9 months later, and I never received this information. I wish I had documented these interactions in a more meticulous manner, but I 've had dozens and dozens over the years of normal business with this servicer. This is further complicated by the shift from XXXX XXXX to Navient. Quite frankly, it is impossible to even investigate what information might have been lost in that transition. 

I feel like it 's unacceptable to expect regular every-day customers to have the file-keeping, documentation, and advocacy skills of a trial lawyer. I also feel it 's a reasonable expectation that Navient customer service representatives be properly trained, provide accurate information to their customers, and spend sufficient time with customers to understand all the options. The consequences of that failure are somehow placed solely on the shoulders of the customer. Now that my direct loans are being handled by XXXX XXXX, I 'm genuinely curious what options for recourse even exist from XXXXXXXX XXXX/Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (I do not know) with Navient Solutions, LLC. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XXXX my wife received several calls from this number. They left messages regarding a XXXX XXXX XXXXXXXX whom we do not know. They then started calling my number so i picked up and tried to find out what they wanted. They asked if my mame was XXXX XXXX ... no idea how they got my info since ive never done business with them. Asked me if i knew this gentleman which i do not. And then proceeded to hamg up. I called back curious as to why they were calling us amd they said it was for location purposes for finding this gentleman. This is a collections agency called pioneer credit recovery and apparently and they are trying to locate someone because I was a " neighbor '' at one time. This is absolutely unacceptable calling random people who have never dobe business with them to try and locate someone else to recover debt.

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