milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2017 about Student loan (Private student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (VA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I graduated from XXXX XXXX in XXXX of XXXX. I immediately began repaying my XXXX XXXX loans. I have XXXX loans with XXXX XXXX, XXXX of which are about XXXX a month and a third that is about XXXX a month ( with a monthly total of about XXXX XXXX. I have tried on more than one occasion to consolidate these loans in hopes of making the payment lower. I have not been successful due to the fact that I have insufficient income. ( So, I do n't have enough money to make my payment less, but I have enough money to keep paying XXXX} a month ... makes no sense ). Since my loans have been in repayment, going on almost XXXX years I have paid off less than XXXX  per loan. So years of repayment of XXXX of my salary and I have barely made a dent in any of them. In my current career I have been offered a promotion, in order to get this promotion I have to attend a graduate program. I have had to turn the promotion down because my loans are too high. I also, am unable to secure a mortgage and will be renting until these loans are paid off in XXXX years. I am disheartened by the way that XXXX XXXX treats the people who are trying to further their education. At XXXX point in my loans I relocated for my career and when I told them I would not be able to make payments while this was going on, they told me to ask my cosigner. No deferment was offered. When I first took out these loans many years ago they advertised " XXXX XXXX XXXX XXXX' but in reality the only one who is flexible is me. I am the one who has flexibly ruined my finances for life over student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: 1 ). I have sent to a 1 ).  I have sent to a Cali fornia Beneficiary Information reque st Nationstar which claims to be the servicer of the mortgage of the loan for my home. This was done to notic e Nationstar that there is a error in the loan balance and to help modify the loan. Nationstar has refused  to return the information as required by the California   Civil Code Section 2943. See attachments.
2 ). I email the California Beneficiary Information Request through NACA to present to the Nationstar on    XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX . To my knowle  dge Nationstar has not returned to NACA the requested information.
3 ). Nationstar through a substituted trustee is currently dual tracking the mortgage on the home. I 'm in the process of review for a modification and Nationstar through Quality Loan Service have a trustee sale date s  cheduled for  XXXX   XXXX ,  XXXX  for the home.       4 ). The modification that is being offered by Nationstar is well above the threshold for HAMP and the modification offer is around 43 % of my gross income.
Request Nationstar which claims to be the servicer of the mortgage of the loan for my home. This was done to notice Nationstar that there is a error in the loan balance and to help modify the loan. Nationstar has refused to return the information as required by the California Civil Code Section 2943. See attachments.
2 ). I email the California Beneficiary Information Request through NACA to present to the Nationstar   on  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX . To my knowl  edge Nationstar has not returned to NACA the requested information.
3 ). Nationstar through a substituted trustee is currently dual tracking the mortgage on the home. I 'm in the process of review for a modification and Nationstar through Quality Loan Service have a trustee sale date scheduled   for  XXXX   XXXX ,  XXXX  for the home.      4 ). The modification that is being offered by Nationstar is well above the threshold for HAMP and the modification offer is around 43 % of my gros s income.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax indicated that my personal information was likely involved in the recent breach to their systems. It does not immediately appear that there is any unexpected activity on my credit report, but to get the full reports I will have to access them by mail. I am also very concerned with the slow response to consumers as well as the ambiguous terms listed on the website they established for consumers to check whether their information was involved in the breach. It appeared to many until Equifax eventually made an announcement to clarify, that by checking for your involvement you were waiving your rights to class action lawsuits, and agreeing to arbitration to settle any issues raised by the breach. This ambiguity is unacceptable as it has led to many individuals expressing that they do not feel comfortable checking the safety of their personal information which Equifax was entrusted with.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2017 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: My credit report has a derogatory status per Ad Astra Recovery Service claiming I have a debt that is owed. I have reached out to Ad Astra to provide me verification of the amount claiming to be outstanding and have not received a reply within 30 days. I finally decided to contact Ad Astra once again. Spoke with XXXX. She told me that every time I send a dispute, it re-opens the file and the credit bureaus invalidates the update they send to them and reopens a new one. She said I have to give it full 30 days to be completely removed from all reporting agencies and has yet to be removed 6 months later.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Medical debt) with EQUIFAX, INC. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: send XXXX on XX/XX/XXXX # XXXX received reply on XX/XX/XXXX Company 's Response on XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX has reviewed the information provided by XXXX XXXX, as well as the information associated with XXXX reference # XXXX. The debt was assigned on XX/XX/XXXX by the original creditor, XXXX XXXX XXXX , XXXX The debt was assigned with a principal balance of {$670.00}. Allowable statutory interest has accrued on the debt, in the amount of {$88.00}. The current balance as of the date of this response is {$760.00}. XXXX sent a debt notice to XXXX XXXX on or about XX/XX/XXXX at her last known address on XXXX XXXX. XXXX did not receive the notice returned as undeliverable. XXXX has attached the document provided by the original creditor to support this debt. If XXXX XXXX would like to discuss this account in detail she may contact XXXX 's manager XXXX directly, during normal business hours. send new reply on XX/XX/XXXX # XXXX after there reply : OUR COMPLAINT I send a report with cfpb on XX/XX/XXXX, and received a reply from the company on XX/XX/XXXX. In the reply said the amount owe and a copy of the bill. I don't remember if this is one of the companies I went to, because the dr 's was changing me to diffent places to get my medicine. I didn't see a contract or ect, just the bill. But XXXX claim that they sent a letter to me on or before XX/XX/XXXX to my XXXX address and they never received it back, so claim that I received it. Well I never received anything at no time and nothing after the month 's they claim they mail me one. which I think the company did not send me any letters in which they claim, and never came back to them. so it's my word against their, how can I proved it, that they give me notice to disputed the collection. I have a mail center that records every mail that come in on my account. I got a copy for XX/XX/XXXX to XX/XX/XXXX showing no mail from there company never showed up at my XXXX  address. The mail center is XXXX XXXX XXXX in XXXX XXXX, Nv XXXX XXXX ************ this company only send me a copy of a bill, no contract or ect**************

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX is reporting that I am delinquent in repaying a loan obligation, however they are unable to provide documentation to substantiate claim. A default claim was denied temporarily in XX/XX/2012 however the status has not been updated to 'permanent ' after three years as per required by law. This status is improperly reported to credit reporting agencies as being delinquent however they ignored a complaint I filed with them several years ago.

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 01/26/2018 about Vehicle loan or lease (Loan) with BMW Financial Services NA, LLC (GA).
Issue: Getting a loan or lease
Sub-issue: Problem with additional add-on products or services purchased with the loan

Complaint: I bought new XXXX XXXX XXXX at XXXX XXXX XXXX XXXX at XXXX GA USA. On JXX/XX/XXXX. Finally we agreed all the price I went to finance room and he try to charge 5.89 % APR and that is the best interest rate to my credit ( its XXXX credit score ) can not lower it. But later he said le can lower it to 3.89APR if I purchase interior protection and Lo Jack and charged {$1900.00} for both. And then he offer me additional maintenance plan of 4 year 50K miles for {$4900.00} then he can lower the APR to 1.89APR. And I accept that because it was almost XXXX XXXX  and I can not spent another hours for dealing with that. 

But the problem was happened after that. 
When I signed paper I trusted him but it was totally over charged. 
I called same dealer today and spoke one of the sales person because it was too high for does extra charges. And his name was " T .... '', I asked him, I plan to buy XXXX XXXX and what is the additional charge for extended maintenance plan, and he said I dont know and I have to check. So after he checked he call me back the extended maintenance plan for 4 year 50K is {$2400.00} and 5 year 75K is {$3300.00}. I got evidence he said that. So I text financed person regarding that and he refused to fix this issue And never explain why it was charged double. 

After this issue, I am worry about all other charges, look like all other charges, Lo Jack, Interior Protection, Gap Insurance look like over charged too. 

Totallay charged additional {$7700.00} for additional service purchase

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 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In XXXX I had a dispute with HSBC BANK NEVADA NA about a fraudulent credit card some unknown person obtained in my name. After establishing that this was a fraudulent account eventually HSBC BANK NEVADA removed it from my credit report. 
However, maliciously in bad faith after I advised them that due to their derogatory statement on my credit I was turned down for credit, instead of canceling such fraudulent account, HSBC IN XXXX sold it to XXXX XXXX XXXX whom started to show this as a new debt and new default with new collection account for {$1300.00} as of XXXX XXXX, XXXX. 
I have repeatedly advised XXXX XXXX XXXX that it is improper and illegal to state this to be a new derogatory default as of XXXX XXXX, XXXX and it causing me a serious problem of turning down for essential items to be purchased, XXXX XXXX refused to remove this illegally and in bad faith showing derogatory item from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed a submission by XXXX on XXXX XXXX, 2016 with the attached documentation needed to support the removal, which was a letter from XXXX submited as a part of a previous complaint with the CFPB, that stated that ALL collection efforts that were attached to my social security number would be removed from my credit report. This was not my first instance requesting that items posted by XXXX be removed from my credit report and providing the legally binding documentation, since XXXX has not abided by it 's written statement and removed listings from my credit report. In the previous instances, with dispute number XXXX and XXXX, Equifax has expeditiously removed these based on the documentation given. However, for dispute number XXXX, Equifax only attempted to verify the debt ( See XXXX Attachment ) this time instead of doing as XXXX promised in their written document of the CFPB complaint, which was to remove all credit report listings associated with my social security number. I contacted Equifax about the issue and attempted to explain that XXXX made a legally binding promise, in writing to remove any and all listings from my credit report. I was told that a new dispute would be created, number XXXX, however, I was not notified of the outcome of this dispute although it appears to be closed. I then called for a second time about the issue and a new dispute was created, however, it is showing that this will be resolved on XXXX XXXX. This extended period of time is not needed to resolve an issue that was previously done on two occasions in two days with adequate documentation ( See Equifax Dispute Attachment ) This has been highly frustrating due to the fact that verification was not asked for but rather that Equifax do as they have done before and hold XXXX to their legally binding statement to remove all listings from my credit report. Equifax should do what is right and what has been done in the past and remove the listing as is required and promised by XXXX own statement in the attached document. As a consumer, I feel that I am being taken advantage of and that XXXX is not being held to their written statements. ( See Response Letter from XXXX attachment on third page, first paragraph for XXXX promise to remove all listings associated with my social security number )

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX was told to remove info. they passed the buck onto XXXX. XXXX refuses to budge. 

FCRA- " NEW '' accounts need verification. My accounts are hardly new. In fact over 25 years old. request for info to update database based on my blood type etc. is HEREBY DENIED. 

EACH AND EVERY REPORT GIVEN has not had the demanded dispute letters, emails, etc. I have not gotten phone recordings, etc. PUSH BUTTON mechanics. NOTHING RESOLVED. I AM  ESCALATING CLAIM. 

NOTHING IS GETTING REMOVED. I SAID TO SUPPRESS THE INFO. I SAID I DIDNT WANT MY INFO STOLEN. NOBODY GIVES A FLYING XXXX. EVEN if addresses are OVER TEN YEARS OLD. INFO SHOULD NOT BE ON MY FILES ANYWHERE. FILES SHOULD NEVER BE CONNECTED to the internet ( EQ ). 

I DENY any right to waive lawsuit. I INSIST ON SUING for damages due.

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 11-07-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OK).
Issue: Loan servicing, payments, escrow account

Complaint: My husband and I had a property investment loan with Ditech. The loan was refinanced in XXXX 2016 and as soon as it was paid off, Ditech starting reporting the XXXX payment over 30 days late to the credit bureaus. They put the burden on me to send in XXXX of our credit reports and proof of the bank wire that was sent on XXXX XXXX, 2016. About 3 weeks later, they took off that late pay BUT then 14 days later put it back on. I called and they said it was the XXXX payment that was late. I had to send them proof again of my check dated XXXX/XXXX/16 and proof it cleared my bank on XXXX/XXXX/16. Then they determined they did not apply the payment to the loan. I first started contacting Ditech about this XXXX, it is now XXXX and despite hours of research, multiple letters and faxes and at least XXXX calls, they are still reporting inaccurate information to the the credit bureaus and we have no control over this! I have asked for over 2 weeks at least for a letter stating the XXXX report is inaccurate so I can use that to complete other business and XXXX supervisors have told me I would get XXXX that day and it 's been over 2 weeks. Not one supervisor delivered a letter or even called me back. My husband and I are self employed property investors and our credit score is CRUCIAL to our daily business. This inaccurate information has caused our scores to crop XXXX an d XXXX points respectively and we can not get the loans that we need to for other homes until this is resolved. Also, this has caused numerous pulls to our credit to see if it 's fixed, further reducing our credit scores. In the 2 month timeframe during this, we had several property insurance renewals come up and they were increased because they are based on credit scores. We are even receiving notifications of interest increase on credit cards due to the false late report to the credit bureau. This MUST be addressed. This is hurting consumers. I 'm a professional at monitoring my credit etc because of our business and I ca n't get this resolved. I ca n't even imagine a regular consumer dealing with this sort of situation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Debt collection (I do not know) with High Point Asset Inc (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have received multiple calls from High Point Asset at XXXX. 
They claim that I must respond to an important civil matter or they will " forward my file to litigation. '' I dealt with this last year during tax time and asked for verification of debt, which they never provided. Now they are calling me again. I have not spoken with them to review this debt, as I know it is not mine and I am afraid they are trying to get additional information out of me.

Company response to consumer: Untimely response
Consumer complaint received 07/17/2015 about Debt collection (Payday loan) with CURO Intermediate Holdings (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: i have a payment plan set up with these people. and the all me still every single day and threaten me and are very rude in the way that they speak to me. I know that I fell behide on the loan but I am doing the right thing to try and resolve it. I asked for a supervisor and she was just has unhelp and rude has the collector. I got XXXX and lost my job I am now on XXXX and trying my hardest to do the right thing. They told me the only way that I can pay them is over the phone and with a checking account or debit card and not other form of payment will. work.. and I set up a plan yet I get a call every day 2-3 times a day and I am over them calling me all the time.. I want the calls to stop and I want them to send me a bill. I would rather speak to my worst enemy then to these people who are so rude and disrespectful in the way the handle there calls. I worked in the collection field for over 15 years before I got sick and it sadden me to see how collector today are making the collection world out to be. I would never let a collector who was under me speak to a consumer they way that I was spoken to today.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Mortgage (Other mortgage) with ASSOCIATED BANK, NATIONAL ASSOCIATION (WI).
Issue: Loan servicing, payments, escrow account

Complaint: XX/XX/XXXX, I was undergoing a traumatic divorce after which, I was left with a house and property that was in foreclosure and outstanding back property taxes. At that time, there was also a death in my family. I told the bank that had my mortgage, that I needed to live in my house and that I fully intended to keep it. I asked for a loan modification. It was a long process because each time I called my bank to get information or status on my modification, they often sent me to numerous departments or took days to call me back. My understanding was that a loan modification was something that banks offered to help alleviate stress and make one 's monthly payments more manageable. They offered only XXXX modification and if I wanted to stay in my house on my property, I was told I had to take their offer, so I signed it under duress. I obtained a quit claim deed from my county to remove my ex-husband from my mortgage. The bank refused to honor it. Further, they did not decrease the interest rate on my mortgage and I am paying interest at an astounding 7.25 %! It 's now XX/XX/XXXX and I 'm STILL having to meet these high monthly payments! Despite me making timely monthly payments ( I set up automatic monthly withdrawals ) at this ungodly rate, I have discovered that my credit rating shows that this bank reported I was behind on my payments since the modification! 
I do not want to refinance with this bank and have sought other banks. However, another bank advised me that I should file a complaint against my bank because when the new institution tried to get information, my mortgage company gave them the run around as well. I was told by other banks that the fees tacked on to my modification ( {$45000.00} due at the end of my loan ), was outrageous. When I asked my mortgage company for refinance information, they sent me a " Uniform Borrower 's Assistance Form '' -for foreclosure! It was as if they had no clue about my loan, that I am up to date with my payments and property taxes, and that I wanted to refinance!! There was also an unresolved question as to why my mortgage company did not use a federal loan and instead used their own in-house loan. Consequently, the bank that I want to refinance with, wo n't offer my refinance until there is resolution with my mortgage company. I DO NOT WANT TO REFINANCE WITH MY ORIGINAL MORTGAGE COMPANY. Another bank believed they could make my monthly payments at least {$500.00} cheaper, per month, than my original modification payments. Every month I am with my original mortgage company, I feel I am losing a minimum of {$500.00} per month. This is outrageous and my mortgage company continues to drag their feet, give me the run around, and give me questionable or incomplete answers. Please help.

Company response to consumer: Closed with explanation