milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2017 about Debt collection (Private student loan debt) with Dream Center Education Holdings (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I emailed XXXX XXXX to receive my transcript on XXXX/XXXX/XXXX. I was emailed back stating there is a financial aid hold on my account and asked to contact XXXX XXXX XXXX. I talked to XXXX XXXX and told her I did not understand why I could not receive my transcript because of a hold that she claimed I had on an account. XXXX XXXX stated that the account was sent to XXXX XXXX XXXX. I called XXXX XXXX XXXX and talked to several people at XXXX XXXX XXXX, the first conversation I was told I had a XXXX balance. The next person I talked to XXXX XXXX she told me the account was in dormant status and the account was returned back to Argosy University. I called XXXX XXXX XXXX for the final time, and I talked to XXXX XXXX XXXX and she also told me that the account was returned back to Argosy University on XXXX/XXXX/XXXX and the amount was XXXX. I checked my credit report and I have no charges on any of my credit reports regarding Argosy University.

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 09/28/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (AZ).
Issue: Problems caused by my funds being low

Complaint: To Whom It May Concern, I XXXX XXXX a XXXX veteran banked with Well Fargo up to 2 months ago. I withdrew because Well Fargo was taking my Educational Money from the VA Educational fund allotted to me for me to continue my education in College. The VA Education department has been sending me letters for the last 3 years that they have overpaid me when I have never been paid a dime. Now, the VA Educational department is threatening me by re-cooping my military XXXX checks to repay a debt I have never received any money for. I need your help in tracking this dilemma. 
Sincerely yours, XXXX XXXX Phone # 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 09/16/2015 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred from XXXX XXXX XXXX to PennyMac USA in XXXX 2015. Upon receipt of my first statement from PennyMac, I attempted to set up an online account to access my information and make payments. I was able to set up the account, but was not able to log in due to a message that simply stated " Error. '' I promptly contacted customer service, who informed me that there was an issue with the Web site that was being addressed. As suggested, I waited approximately one week before attempting to log in again. At this point, I encountered the same error message, so I contacted customer service again to address the issue. I spoke to numerous representatives and was assured that the issue would be fixed and that I would be contacted with resolution. After approximately 3-4 weeks passed ( and I had not heard from anyone ), I contacted customer service again because I was still unable to log in to view my account information and submit secure online payments. I was informed that the issue would be forwarded to the IT department, and I requested that this process be expedited. Last night, ( 10 days after my most recent phone encounter ), I received a call requesting that I send a screen shot of the error message because the IT department was unable to retrieve it. At this point, I admittedly became frustrated because I had requested that the issue be escalated and it took so long to hear back from someone who still had no resolution on my issue. Last night and this morning, I followed the login steps to get to the error message, and I am completely blocked out of my account. The system is supposed to generate an e-mail containing a security code to log in, and I am not receiving these e-mails as I had prior. I have spent many hours combined on the telephone with technical support, and am not in a position to continue to go in circles with representatives that have no answers to offer. After two months, all that I know for sure is that Penny Mac is deducting the monthly payments. With no access to my account information, I have absolutely no idea what my account balance is ; I have absolutely no idea how ( or if ) my payments are being applied.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CITIBANK, N.A. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: We obtained an interest-only mortgage from XXXX XXXX Mortgage in XXXX ( which filed for bankruptcy in XXXX and is no longer in business ). The loan was transferred to CitiMortgage shortly thereafter and they still own/service it today. The loan is due to fully amortize in XXXX of XXXX. I am concerned that we will not be able to afford the payment at that time. I have made numerous attempts to refinance the loan or discuss potential options/solutions with Citimortgage over the last couple years. Since our home is underwater and it is a jumbo loan, I am told there are no options without significantly paying down the balance on the loan which we are unable to do. I have also been told that we do not qualify for a modification because we currently have the income to make our payments. I am trying to be pro-active in dealing with this before my family and I are in a crisis, but they are unwilling to work with us. They offered to modify our loan in XXXX. We accepted their offer because we were told it was the only option to reduce our payments. They left us in the same interest-only product and INCREASED the balance by nearly {$7000.00} which makes our situation even worse. We simply want them to refinance or modify our loan to a fully amortized 30 or 40 year loan at market rates so we can start to pay down the principal and avoid the substantial increase in our payment that is looming. We do not want to be at risk of losing our home. We are not asking for them to take a loss, we simply want them to do what we believe is fair and will help both of us avoid a potential foreclosure situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hi. My issue concerns the lack of accurate and proper reporting of payments on my credit report. I have never been late with my payments. I have actually paid 90 % of them early. This is concerning my Mortgage payment history with a company named XXXX XXXX XXXX XXXX XXXX XXXX. Once again, I have never been late with even a single payment to them. However, XXXX has reported me as being late 9 times and at 180 days late on each XXXX. I have receipts for each and every XXXX of them to prove it too. I am including them. There are no late payments at all what so ever from the time the mortgage was originated in XXXX until right now. Not a single XXXX. These inaccurate and derogatory payment history reports need to be removed and corrected immediately. I have tried to resolve this very simple and easily solved issue for more than a year at this point between XXXX and the Credit Reporting Agencies. XXXX stated in XXXX to the CFPB that XXXX is reporting correctly and it was the Credit Bureaus that are making the mistake and reporting it incorrectly. 
Having XXXX day undeserved late marks on my credit history is absolutely devastating my score, my ability to gain other or build other credit, my ability to create seasoned accounts/length of time, stripping me of the security of having credit cards or gaining access to loans should any kind of life emergency take place and the list goes on. It is also serving to make it even harder to gain access to a decent Mortgage Lender or Mortgage Rate and get away from XXXX too. 
I am submitting The original Mortgage Docs which clearly state that payments are due on the XXXX of the month and that the payments start on XXXX XXXX XXXX. I am also including the letter of transfer from XXXX stating that all payments made on or after XXXX and on will be made to XXXX. ALL payments have been made on time or early the entire time. I am including copies of the receipts of every last single XXXX of them.One may go through from front to back.back to front or however one would like and will see very easily that all of the payments were made on time or early. Next months Mortgage payment will also be made over 2 weeks early XXXX XXXX XXXX ). This issue has stopped me from moving forward and caused a lot of damage. The time is lost, it can not be fixed. It can never be gotten back. This issue needs to be resolved and reported correctly immediately. I have all of the proof in the world that I have made my payments on time. 
The " Account Status '' button up top was the closest option to my situation. Technically, the status of my payment history on my account is incorrect and it needs to be fixed. 
Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I was in the process of buying a car and found out my birth date was wrong. It was shown that my birth date was in XXXX ( don't recall the date ) not my real birth date of XXXX XXXX. What I would like to know is how my birth date got changed and why I had to correct it with one of the credit reporting companies but I had to sent a copy of my drivers license to them to prove the correct date. I didn't like the idea of sending it to them possibly a way of my identity being stolen. How did this information get changed to begin with. Euquifax was the credit outfit I contacted and that was a production dealing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Debt collection (I do not know) with First National Collection Bureau, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Responded to initial contact letter with a timely debt verification request. Collection agency continued collection activity ( calls and letters ) before responding to the debt verification request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit card () with Alliance Data Card Services (CA).
Issue: Balance transfer

Complaint: I received an offer for a Balance transfer at no interest for 19 months with a 1 % upfront fee from Comenity Bank with which I had an existing account. 

I took them up on the offer and had {$1000.00} transferred two times to another card. For the third transfer ( to the same card as the prior XXXX transfers ) I arranged for a {$7000.00} balance transfer, Comenity accepted the transfer request, however they then refused to complete the transaction by only vaguely stating that there was a " processing error ''. 
I spoke with at least XXXX people at this bank including XXXX supervisors and asked that they clear up the " processing error '' and abide the agreement. 

They refuse to live up to a valid offer and acceptance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-05-2015 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (CA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I was attending the XXXX college XXXX and i have a genesis loan and i would like to know if they were included in the CFPB settlement

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Debt collection (I do not know) with ABR Recovery Services LLC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: they keep saying its verified i do n't owe this company i have no contract with them

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 04/18/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (AR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have filed disputes with all XXXX credit bureaus. The last time I disputed the results were sold to Great Lakes Higher Education. 
XXXX accounts with XXXX with the acct. number XXXX XXXX account with XXXX w/account number XXXX as a paid collection which is also reporting incorrectly.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2018 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (MI).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I had a debit card transaction on XX/XX/XXXX that posted on XX/XX/XXXX that I am disputing for {$290.00}. This was for a service I never received, but SunTrust is not issuing a provisional credit after 10 business days. I have contacted SunTrust twice about this. First time they said after 10 business days they would issue a provisional credit. Today they are stating that they do not issue provisional credits.

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 07-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (WA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have an account showing on my credit report for Capitol One. They are working with a law firm and holding account they say i owe 2700 plus dollars to. I have called to dispute this believing that i had made on offer to settle and close this account thinking this was handled in 2016. I have asked for the paperwork on this card to be able to verify that i owe this money and to show the payment i made but they are refusing to send me any documentation regarding this credit card. I dont even know the credit card number. the attorney told me this was a XXXX card and then capitol one said it was a XXXX. I would like to have proof of owing this money and know that this was not a settled account. The highest balance i have ever had on a credit card is XXXX dollars. I would like for your company to make sure they are following the laws and giving me the documentation for all charges and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (CO).
Issue: Struggling to pay mortgage

Complaint: I have sent a letter to them XXXX XXXX 2017 at XXXX XXXX and got nothing in return that is to Us Bank.. To have me please take me off of mitigation but got nothing in return from them but a bill for {$890.00} from them and they will only take the full amount that is all .They are the ones causeless all the pain they are going thought now. I have try to make a payment to them but they will only take the full amount in pay be cause of my low paying job at XXXX that ca n't be done this must end be for I miss one more payment to them..

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 10/15/2017 about Mortgage (VA mortgage) with U.S. BANCORP (TX).
Issue: Struggling to pay mortgage

Complaint: I proactively called US Bank to informed them that I 'm no longer able to continue making payments on my 2nd home due to a job relocation. Although, my house has been vacant and on the market for 11 months, I have not gotten any serious offers. The bank representative said I did n't qualify for a short sale, but would be able to assist with a Deed in Lieu. I submitted all required documents and to date they have been stalling asking for my current year to date pay stub. I submitted my annual salary twice to the bank, but they have not taken any action. I called the Relationship Manager, and was told that the bank is considering a refinance option for me. I never asked for any refinancing options as I do not want to keep the house ; since I can not afford it. Their are certainly against my request, inconsistent with my telephone conservations with the customer support agent and were NEVER discussed with me prior to me elevating my request to speak with the manager.

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 06/22/2015 about Credit card () with CITIBANK, N.A. (NC).
Issue: Credit line increase/decrease

Complaint: On XXXX I called Sears Card to pay off and close the account. I approved an electronic payment thru my bank. On XXXX my lender drew a credit report which listed me as past due XXXX days. on XXXX, I called Sears Cards and was told that the payment of XXXX failed due to incorrect a/c #. at that point I authorized a new payment for the then balance. I asked that they contact the credit reporting services and advise them of the error, I was told that this would take 7-10 days. On XXXX I received XXXX letters from Sears stating that the account had been brought to a XXXX balance, but the Credit reporting services had not been advised. I 'm trying to secure a substantial loan, for a new home, my credit score has been dropped by XXXX points. I need the corrected, and I need it Quickly. I 'm paying rent until my house is started. I would appreciate your help in this matter. thank you..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Please remove all disputed items. 
Americas Servicing Co XXXX XXXX XXXX Also I have requested removal of the extended fraud alert 3 times. It still is on my report

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 07-06-2015 about Debt collection (Medical) with Paramount Recovery Systems, L.P. (MO).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I for one never recieved a bill on this debt and for two i called the hospital where the debt is from and they said they dont have any outstanding bill for me because i never even went to the er at or around this time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: USAA cancelled my debt and issued a  XXXX  IRS form for which I had to pay taxes on the forgiven amount. Per Internal Revenue Bulletin  XXXX  ( Removal of the  36-month nonpayment Testing  Period Rule ) on  XXXX   XXXX ,  2016 , creditors should not send you a  XXXX  form unless the debt is really canceled, extinguished, forgiven, and gone for good. I have disputed the accuracy of the account balance and past due amount with the credit bureaus asking that they be updated to show a {$0.00} balance and {$0.00} past due. However, the information does not update.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2015 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Several times I have filed complaints with Equifax , referencing public records Judgement XXXX and XXXX, just now I filed another complaint, Equifax conf # XXXX, XXXX settled with attourney prior to court appearance, if paid per agreement this would be removed, this was paid in full a while ago, this is over 4 years ago. 
The next judgement XXXX, was a result of medical debt paid and also over 4 years old. 
Equifax is also reporting a credit inquiry from XXXX XXXX, from XXXX of this year, please note attached sheet where on XXXX/XXXX/15 XXXX XXXX said this inquiry was removed.

Company response to consumer: Closed with explanation