milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-09-2016 about Student loan (Non-federal student loan) with ACS Education Services (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have a student loan owed to ACS ( XXXX XXXX and XXXX ) - around {$2800.00}. I am a XXXX XXXX XXXX at the moment. I have sent School Verification Letter to ASC, however it has been updated to ACS system. I am able to pay back this student loan from XXXX, 2017 when I finish my XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving incessant phone calls from Capital One, for a man named XXXX XXXX, who owned the telephone number before me that I now have. I have told each representative that I have spoken to, that I do not know XXXX XXXX, he does not live in my home, and that I now have the phone number that was once associated with XXXX XXXX. Each representative has assured me, there have been at least XXXX, that the number would be taken out of the system and I would no longer receive phone calls for the debt. However, I still continue to receive the harassing telephone calls. I told every representative that if I received another telephone call I would file a complaint, and no one is taking me seriously, or taking the necessary steps to remove my telephone number from their database.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (I do not know) with Lockhart, Morris & Montgomery Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2016 & XXXX XXXX, 2016,, Defendants attempted to collect a debt and created an unauthorized trade line on Plaintiff 's credit report using 'Last Reported : XXXX XXXX, 2016 ' on Plaintiff 's credit report. Defendants willfully violated the FCRA by performing an unauthorized trade line on Plaintiff 's credit report. 

On XXXX XXXX, 2016 & XXXX XXXX, 2016, Defendants attempted to collect a debt and performed an Impermissible 'hard pull ' on Defendants credit report without a firm credit offer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Debt collection (Medical) with Automated Collection Services, Inc. (TN).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Have been patient with this medical facility since XXXX. A change in doctors was done on XX/XX/XXXX due to unprofessional conduct from the previous physician. Trouble began with XXXX XXXX, with over billing, miscommunication, nurses giving out bad information and overruling my decisions on products and services. During my XXXX he allowed XXXX the procedures already discussed with me. She wanted to XXXX when the arrangements were for XXXX services only. My XXXX visit his office billed my insurance 3 times. From then on, after XXXX, they were Balance Billing me. Their fees did not match my insurance company Explanation of Benefits. This was very confusing and would have cost me much more than what I owed. On XX/XX/XXXX they billed me {$2300.00} for the XXXX performed XX/XX/XXXX. A final notice was received XX/XX/XXXX. During the whole process I got harassing calls XXXX harassing calls during XX/XX/XXXX. Since XX/XX/XXXX I have paid them {$3400.00}. Of the {$2300.00} only {$1700.00} remains. A check for {$300.00} was mailed XX/XX/XXXX. On XX/XX/XXXX CSR XXXX pressured me by saying I needed to pay the {$2300.00} within 120 days for it would go to collections. I advised him I agree to pay what I owe but I was neither informed of this procedure and in no way understand why I 'm being pressured even-though XXXX XXXX XXXX has been receiving constant payments from me. They followed through on their threat. A letter from Automated Collection Services XXXX XXXX XXXX, XXXX, Tn XXXX ( XXXX, Ca XXXX was received XX/XX/XXXX. I informed XXXX that I thought collections procedures were designed for people who failed to pay for services rendered and expressed my dissatisfaction with their Robo calls and other tactics used in dealing with me. XXXX should be made to inform consumers of their 120 day payment in full billing guidelines. Either way, I would not have agreed to this and it seems unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2016 about Student loan (Federal student loan servicing) with GREAT LAKES (DC).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: On XXXX XXXX, 2016, I called the holder of my federal student loan, Great Lakes, about the possibility of a short term forbearance. I 'm relocating to XXXX in two months and wanted to forbear for three months on my payments to increase my monthly available funds for moving expenses. When I called Great Lakes, I was informed that I was not eligible for a discretionary forbearance. When I asked if there was anything that Great Lakes could do to help me for a short term basis -- my other loan provider was willing to grant me a deferment for relocation expenses and I assumed that Great Lakes would be accommodating since they say to call them for repayment assistance -- I was informed that I could either pay my student loan with a credit card or not pay on my loans. I was told that nonpayment was an option because default would not trigger until 365 days and that there would little, if any, consequences arising therefrom. As a XXXX, I know that this statement was a misrepresentation on many fronts. First, Great Lakes will begin assessing fees on my account the minute I stop paying my account. Second, nonpayment after thirty days will be reported to the credit bureaus, which will adversely affect my credit score and my credit history. Third, nonpayment will make the entire unpaid balance of my loan and any interest due immediately and payable immediately. And fourth, my loan account could be assigned to a collection agency, which could result in wage/Social Security garnishment and further adverse effects to my credit score. The fact that a Great Lakes representative would recognize nonpayment as a legitimate " payment option '' when a customer is faced with a repayment issue is appalling. I hate to think that this is the advice that Great Lakes is giving to borrowers who need temporary assistance with repaying their student loans. Such conduct, to me, appears to be a predatory lending practice that inures in Great Lakes ' favor and not the borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: CFPB File XXXX was filed regarding unlawful collection practices by : Enhanced Recovery Company, LLCXXXX XXXX XXXX, Florida XXXXIn their response to the CFPB complaint, in an excerpt of the company 's representative response was as follows : " Additionally our agency has submitted a deletion request will all credit reporting agencies with the account and our office. The confirmation of this request is XXXX. '' This document is attached. 

However, as of this date ( XXXX XXXX, 2015 ), the credit reporting agencies continue to report this matter on my credit files. 

As there are XXXX Credit Reporting Agencies, and Enhanced Recovery Company gave only XXXX confirmation number in their response, it seems there is a willful and malicious attempt to deceive both the CFPB and myself. 

In order to remove the report from each of the XXXX credit reporting agencies, XXXX confirmation numbers would be required. These files can be removed immediately without delay by a company that wishes to remove them. The Credit Reporting Agencies simply report the information reported to them and are required by the FCRA to immediately remove any information as directed by the firm that files the erroneous, or wrong report. 

I am asking that the CFPB impose sanctions on Enhanced Recovery for their deceit in removing the file as they indicated in their correspondence regarding the above listed file.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 04-06-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (DE).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: There is nothing that can be done by my student loan servicer Nelnet regarding this issue. I have n't actually had any problems with them as of yet, my concern is with my loan itself. I graduated in 1995 with a {$24000.00} loan. Not bad really. However, since I was often well below poverty level income-wise I have never been able to make payments. If I had known that my {$24000.00} loan would balloon into {$66000.00} I would have starved for a year or XXXX in order to pay that off. In fact, I would starve for a year or XXXX to pay off the original amount of {$24000.00} now. But, I ca n't even fathom how I am going to be able to pay off {$66000.00} and counting anytime in the near future. I make {$1400.00} a month after taxes, not even enough money to move out of the XXXX studio apartment I live in with my boyfriend and occasionally our children who ca n't live with us because we live in a studio. It makes me feel hopeless. What is all that interest for anyway? Would n't they be happy with a full payment of the original amount instead of no payment for the hopelessly inflated amount? There should be some kind of cap on the interest charged, instead it is just growing and growing with no end in sight. I will probably be dead and pass that debt onto my family. 
( The drop down box is freezing my computer for the school choice. I attended the University XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Mortgage (Conventional home mortgage) with FIRST TENNESSEE BANK NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: Since XXXX XXXX XXXX, I have been submitting documentation to XXXX XXXX XXXX in regards to alternatives to avoid foreclosure. I have provided all the documentation requested and have continued to follow up and do all diligence on my end. On XXXX XXXX XXXX, a copy of the fully executed divorce decree was sent over, which was the final information they were requesting. I am now being told by the lender that they can not and will not review me for any options because the sale is too close! The sale is scheduled for XXXX XXXX XXXX which is more than a month away and they are unwilling to help me or even provide me other options other than they are proceeding with the sale. I have a quitclaim and a divorce decree evidencing this is also my debt. My name is on the Deed of Trust, and I am a co-signer and have rights under the Deed of Trust but am being totally neglected. This is the only thing I have left and I feel all my rights are being violated and dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are XXXX listings for XXXX XXXX on my credit report like for a finance on a car, however, I paid CASH for my car so there should not be a hard inquiry any longer on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 )  ( A ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts  may const itute the reporting of false information, causing damage to my reputation and future credit worthiness.   I have a unverified account on my report that from a Company N/A #  XXXX  all that is states is that it is a MEDICAL account there is no company name on it. The I also have  XXXX  account from  XXXX   XXXX  that are listed wrong. These accounts has been disputed for very poor records keeping and inaccurate filing of my account status.

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 10/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XX/XX/XXXX on TRANSUNION credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 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: Account information incorrect

Complaint: I would like this to be taken very seriously as I 've been working extremely hard to clear up and clean up my credit ; Prior to my credit updated via XXXX XXXX, I had a XXXX via Equifax + XXXX on my XXXX, My new SECURED CC had yet to report ( The balance is less than {$33.00} ( It 's now showing {$190.00} ) ) - However I also still had a collection on my account prior to it updating. 

The final collection account was finally removed ( So I had nothing remaining in collections when it updated ) and my secured card finally showed up, somehow my XXXX dropped 25 Points to a XXXX ; and My Equifax dropped 62 Points to a XXXX. 

Keep in mind, there 's no more collections after I had a TON of collections removed etc and cleared up, Additionally I got a new CC ( Secured ) and have less than a 25 % current balance on that card. 

I was expecting my scores to skyrocket, instead they 've tumbled. WHY is this exactly, I really do n't understand, I 've done everything to clear this up and get this fixed. It does n't make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Mortgage (Conventional home mortgage) with Servis One, Inc. (MI).
Issue: Trouble during payment process

Complaint: Ref : BSI FINANCIAL SERVIC ES    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , PA.    ZIP CODE :   XXXX  * NEED MONTHLY STATEMENTS.     ** HAMP APPLICATION.
*** CURRENT AMOUNT D  UE ON MORTGAGE.   (  XXXX  was not able to furnish this information )

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Transunion has been careless in sharing my information and I'm furious. I am already a victim by XXXX carelessness and now Transition. Recently I went through my report upon finding my information was compromised in the XXXX mess. Now as I tried to secure my information Transition sent a letter with my reference number giving whomever access to obtain details on my report. I have not lived at the address they sent my credit info to in over 15 years. Their actions are completely inexcusable especially after the huge XXXX breech. Now I have to take additional steps, time, and effort. I am certainly filing action. The letter was opened when I received 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 05/28/2017 about Debt collection (Credit card debt) with Cooling & Winter LLC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I got a credit card with XXXX and I lost my job shortly after. I tried contacting XXXX to explain why my account had got into the late status. I contacted them and was told the department I needed to speak with was n't available and they would call me back. I never heard back. I then received a letter form Cooling and Winter LLC in XX/XX/XXXX notifiying me that XXXX had hired their Law Firm and for me to contact them in 30 days if I was denying the debt from a XXXX. I received a statement of claim from magistrate court of XXXX county Georgia on XXXX XXXX 2017. I have repeadly tried to contact the attorney on the paperwork and only spoken with them once. I was told to contact them again once I had made my decision or made a counter offer and I have since contacted them on Wednesday XXXX XXXX 2017 at XXXX XXXX Friday XXXX XXXX 2017 at XXXX, XXXX, XXXX, XXXX XXXX All of these times i have left voicemails. I have also emailed them multiple times and the attorney XXXX XXXX XXXX said she would forward my emails for him to call me back and he has n't. The man I have spoken to on Wednesday XX/XX/XXXX at XXXX XXXX XXXX XXXX his name is XXXX XXXX with Cooling and Winters LLC. I was told I had to give them an answer by Tuesday XXXX XXXX 2017 whether it as going to agree to payments or agree to the amount they offered for a settlement. I was told by XXXX XXXX that I could counter offer their settlement which I was trying to do by my repeated attempts of phone calls voicemails and emails. I left the amount of my counter offer in an email and on a voicemail. I was threatened that I had to answer by XX/XX/XXXX which is not 30 days after I was served

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I demand an audit of the XXXX loan modification prepared by XXXX XXXX and transferred to Ocwen. 
I demand an audit of the application of funds of the {$82000.00} made to the field adjustment added to the modification and from where the {$80000.00} extinguishment in XXXX was takenAlso want to know why there were XXXX previously released liens released again in XXXX XXXX and why Ocwen presented a XXXX mortgage as proof of debt

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I file chpt XXXX bk back in XX/XX/XXXX, reaffirmed the debt in XX/XX/XXXX, recently in XX/XX/XXXX credit reporting STOPPED ... .do n't know why but it did ... .called them SEVERLA TIMES, allowed then ample opportunity to fix it. Here it is XX/XX/XXXX and NOTHING has been done ... ..so it looks like I have 13 missed payments on my credit report. As a result, I lost an approval for a home loan, as well as seeing my credit score drop over 80 points ....

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 08/29/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MS).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: On XXXX XXXX, I opened a Capital One Money Market account and a checking account. I deposited XXXX dollars to the money marketing XXXX and another XXXX dollars to the checking account. XXXX days later, I received an email from the bank tell me to call them and they have already restricted my account. I called the number provided in the email on the next day and they told me they decided to end the relationship with me for no reason. The money was still in the account but I can not transfer it back cause I do not have access anymore. I called the normal customer service number several times but they just let me to reach the security department. I also reached the security department XXXX times but every time they just let me to leave a message and the auto system told me they will call em back. It 's now been more then XXXX week I have n't heard back anything from Capital One and my money still is stuck in the XXXX accounts. Also, on XXXX XXXX, I received from Capital One told me they believed there is a identity theft which is not true cause I 'm the person to apply, I received all the letters from them and also they deposited XXXX small amount of money for verification which I found it in my external account and enter it on the website to open the account.

Company response to consumer: Closed with explanation