milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/13/2017 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: Loan # -- -- -- -- -- -- belonged to a propriety that I used to own, but was sold in  XXXX . The mortgage was completely paid off in the sale however at some point  XXXX   XXXX  noted it on my credit history as a Bankruptcy. When I first attempted to resolve this matter I was told another customers bankruptcy had been mistakenly attached to my loan. I was told this matter would be corrected. I never have filed for bankruptcy and a letter acknowledging this mistake needs to be sent to me and all credit reporting agencies. This matter has caused me to not be approved for other loans and caused me financial hardship relative to my current loan.   I have been attempting to resolve this matter for over  2  yrs. and have constantly been given the run around, with some of the  XXXX   XXXX  responses being : - the bankruptcy belonged to someone else - the loan can not be found - the loan is no longer in our system - some of the old loan numbers  may  have changed after the  XXXX  acquisition - you ( me ) didnt send in the correct loan number - old records  may  have been purged from our system - the records are sitting in archives - Its a manual process - were looking into it Finally when I did receive a letter that I thought was a resolution to this matter the  XXXX   XXXX  representative  XXXX   XXXX   (   Executive Resolution Specialist  ) referenced the WRONG loan number. When I spoke with  XXXX  the excuse he gave me for this matter not being resolved was that he recently took over my case which is a lie because I have a letter from  XXXX   XXXX ,  XXXX  in which  XXXX  referenced the wrong loan number. Afterwards he kept trying to blame me for not submitting the correct loan number claiming that is the reason he has not been able to resolve the matter yet.  2  weeks ago I physically went into a  XXXX   XXXX   XXXX   (   XXXX   XXXX   XXXX   XXXX ,  XXXX , TX ) where I spoke with  XXXX   XXXX  and gave him the exact loan number in question. ENOUGH WTH TRYING TO BLAME THE CUSTOMER FOR  XXXX   XXXX  LAZINESS, LACK OF ACCOUNTABILITY AND UNPROFESSIONALISM. THIS IS RIDICULOUS!! But it seems to be just another case of systematic unethical practices by  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Student loan (Non-federal student loan) with AES/PHEAA (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: American Education Services based in XXXX, PA has been servicing my student loan for approximately 7 years ( it was sold to them by XXXX XXXX ). Since that date, my principal balance has not dropped under the original loan amount of {$20.00}, XXXX. Every time I call AES to clarify these details I 'm told " I just do n't understand how interest works '' and that they 've only been servicing the loan since XX/XX/2015. I 'm never allowed to speak to a Supervisor and am told if I need more information I should contact XXXX XXXX. I 've paid over {$17000.00} towards this loan. My last statement says I still owe {$20000.00}. XXXX XXXX does n't even have a student loan program anymore so it 's virtually impossible for me to contact them for the details as AES has suggested. Based on internet complaints, I am NOT the only person in this situation. I just want to know where all my money has gone. They have harassed me by phone and mail claiming my payments have been late. After proving to them that my payment was made on time, it turns out they just had n't processed it on their end. These practices must be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: The lender has failed to provide a response to the QWR request that was sent as of  XXXX / XXXX /   2017 - The lender also failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) (  iv ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: This is the 3rd time I've had to address my XXXX XXXX account about errors in reporting my account to the credit reporting agencies. The latest inquiry was sent directly to XXXX on XX/XX/XXXX and an acknowledgement email was sent and received on XX/XX/XXXX with Reference number : XXXX XXXX In the request for investigation I included two attached copies of the Trans Union report where it shows my XXXX XXXX account reporting adversely and incorrectly. I included the dates this error was made previously and subsequently corrected however the letter I received today XX/XX/XXXX doesn't acknowledge the evidence or the reason for the investigation and reads as if it is unwilling or unable to process the simple request. I have never ever been late or missed a payment since I got the mortgage in XX/XX/XXXX and the credit reporting does not reflect this fact at all. The error is occurring on one report as of XX/XX/XXXX in my annual review of my credit files I receive from www. annual report.com. I am escalating this issue because XXXX XXXX had all the necessary information to correct this error and adverse reporting in the XX/XX/XXXX but failed to remedy the harm it is causing my credit score and rating by carelessly sending erroneous data to the credit bureau. The first time this same error was caught by me was back in XX/XX/XXXX and a letter was sent on XX/XX/XXXX about the adverse reporting. This account should not be reporting negatively at all in no shape or form. I work very hard to pay this mortgage on time every month for the last 4 years so I would like to be treated fairly and like a valued customer. I will attached all previous correspondence and evidence that XXXX already has to expedite the resolution of this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: APR or interest rate

Complaint: I signed up for a GE Care Credit Card and was told that the loan would be interest free for 1 year. I had a {$30.00} balance ( from a {$2000.00} ) loan remaining and they proceeded to charge me on the notional/original loan amount and charge me a predatory interest rate on the original balance without my knowledge. Subsequent to this I took out another loan on the same card and all of the money was used to pay down the XXXX loan and I continued to get charged an astronomical amount of interest. When I tried to discuss this with their representatives, they could n't explain it. I made a minimum payment of over $ XXXX/month and most of that was going to interest, when it should have all been principal. It is to my understanding that GE was ordered to payback {$34.00} to others like myself who were operating under the same false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Debt collection (I do not know) with CITIBANK, N.A. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Calling daily. Calls are made by a robot. This is evident because there is no one on the line when I answer the phone. When I do answer, the person talking to me refuses to disclose that they are a collections agency. I spoke this morning with " XXXX '' and to " XXXX, '' both of whom refused to tell me what the call was referring to and required my phone number after which they would transfer me to another representative. I refused to give my information to them. XXXX hung up on me. She refused to give me the company name and address. She refused to allow me to speak with a supervisor. XXXX gave me an address then agreed to transfer me to a representative but instead I was disconnected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Making/receiving payments, sending money

Complaint: Because of a lawsuit that my partner and I have, we asked for a cash advance. We were sent XXXX checks : XXXX in his name and XXXX in my name. The XXXX in my name was delivered to me, but the XXXX in his name was nothe had to go in person to get it. I took him to get it and he presented his ID, but according to them it wasnt valid. He showed his papers from the attorney who is helping with his XXXX case ( he lost all of his documents ), and he also showed them an income tax return with his Social Security Number, and they just told him that the money transfer was there and that it had been paid, but they werent going to give it to him. He asked if he could get it with a letter from the lawyer or a notarized letter from several witnesses, and they just told him not to waste his time. They closed my account because according to them they couldnt prove who he was. When we asked them why they didnt just transfer the money to the bank that issued it if they werent going to give it to us, they told us that eventually the money would be sent to our house, but that could take months or even years. I think that this shows a huge lack of respect, and it is abusive behavior toward a couple of people who are only claiming whats theirs. We have a critical situation involving a XXXX child.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Struggling to pay mortgage

Complaint: Due to much needed repairs on the home, I fell behind on the mortgage. I began a repayment plan in XX/XX/XXXXand successfully made the first payment. When I attempted to make a second payment ( which would have bought the loan current ) I was told that since there was paperwork I did n't return, they cancelled the repayment plan. I tried another repayment plan, but was told that the repayment plan was rejected ( even though I had the amount for the down payment in the bank ). I was never given a reason for the rejection of the plan. I filed paperwork for a loan modification at the end of XX/XX/XXXX. It is now XX/XX/XXXX, and every time I contact the company, I am told I am either missing documentation, have incorrect documentation or there is something wrong with the documents I have given them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: In  XXXX , shortly after I graduated in  XXXX , my mother had me reconsolidate my student loans. At the time, they were unde r American Education Services. After reconsolidation, they were transferred to FedLoan Servicing. I did not understand what I was doing, to be honest, and thought my loans were all under American Education Services still - so I was not aware of my loans under FedLoan Servicing. They claim they tried to call me, but apparently all of the calls went to my spam. Therefore, they went into default. When I finally became aware of them, I tried to set up some sort of repayment but they told me I had no options. As the late fees and past due payments were too much for me to pay upfront, I fell behind and default a second time. I am trying to figure out what my options are to bring the loans into repayment. I contact them repeatedly and each time I either am t old I have no options and I either have to pay the full amount or it will keep increasing in the amount I owe or I am transferred endlessly between departments with no one able to tell me what my options are. Each department tells me something different and transfers me to a new department. This ha s ruined my credit score and my rental applications are being denied because my student loans are in default ; I am currently sleeping on friends ' couches as I have nowhere to live.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (Other debt) with The Receivable Management Services Corporation (FL).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX To who it may concern ; i have several collection agencys named THE RECEIVABLE MANAGEMENT & XXXX XXXX XXXX. Please be advised that i am disputing these collections due to the fact that the collections agency ( THE RECEIVABLE MANAGEMENT & XXXX XXXX XXXX ) does not currently have a valid license in FLORIDA to collect on debts. I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that THE RECEIVABLE MANAGEMENT & XXXX XXXX XXXX ) are licensed to collect in Florida. Your immediate response will be greatly appreciated.

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 02-08-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with PNC Bank N.A. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My name is XXXX XXXX, and my family and I have been trying to secure a legitimate short sale on our home ( located in XXXX XXXX, XXXX ) and the Mortgage holding institution ( PNC Mortgage, & PNC HELOC ) has been offered a very strong, legitimate bid from a very solid buyer, but neither are agreeing to the others terms for settlement. This is forcing my family to fall victim to a completely avoidable foreclosure which would be extremely difficult for me and my family being that I am a XXXX with an active Security Clearance, which must be maintained in order to keep my job. I was transferred ( XXXX ) from XXXX to XXXX for my job, and since I am unable to live in the home, I must sell it in order to avoid paying double mortgage & rent payments. 
We purchased the home in XXXX, and the house is currently underwater ( at least 20 % negative equity ), and for me to sell it, I need to sell short. Additionally, our ARM mortgage payments doubled the end of last year, making it impossible for me to afford those expenses on my current government paycheck and expenses. Needless to say, we do n't have the funds to cover the difference in cost. 
Also, in order to process this short sale, per the requirements specified to me by the PNC representatives I spoke to, I needed to miss mortgage payments for at least 3 months before they would consider processing a sale. This has been happening since XXXX XXXX. This means that my credit has taken a massive downgrade and my ability to ever purchase or rent property with my current credit rating in the near future has been extremely jeopardized. 
I am being represented by a Real Estate professional in XXXX, as well as a legal negotiator since beginning this process, but they have been unable to get these XXXX sides of the same coin to agree to each others terms. And we are the ones who are continuing to be the victims of this incompetence and corporate selfishness. First being the housing crisis, and this being the second. 
As of last Friday ( XXXX XXXX, XXXX ), the XXXX PNC Mortgage still wo n't accept the terms offered by the XXXX, and our lawyer ( Realtor 's lawyers ) have all but quit trying, since even with my threats to file a law suit, and call my congressional representatives wo n't help them finalize. Also, after more than 3 months of trying to get a new buyer into the home, which will secure for PNC more than XXXX % of the total amount of the original note, the current buyer is expected to back out in order to find another home which they can get into faster. This means that my family will now be forced to wait for another buyer who probably wo n't offer near what this one did, if we can find one at all, considering now we have a history of an uncooperative bank who is n't willing to negotiate with each other in order to finalize a sale. Can the CFPB help us resolve this issue? I am willing to forward all details of the situation upon your request.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I requested my free annual credit report through XXXX. All of the credit reporting agencies provided me with my report except Equifax. When I got to the Equifax site, their website crashed. I called the following day, XXXX/XXXX/XXXX and explained what happened. They tried to sell me a credit report. I refused, insisting that they must provide me one free of charge. The representative took my information and said I would be mailed a credit report within 30 days. I never received this. I called again on XXXX XXXX, XXXX and was again denied my free credit report because their system shows that they gave me one in XXXX of XXXX. This is a scam designed to force consumers to pay for the credit report that by law they are entitled to once per year.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Credit card () with JPMORGAN CHASE & CO. (MO).
Issue: APR or interest rate

Complaint: I am concerned that Chase charged me trailing interest/ Residual interest on a balance that I paid in full. 
I usually pay in full but noticed they have been charging me this type of interest often even when the balance has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Recieved several calls from  XXXX   XXXX  regarding a file number and account in my husband 's name. They called him, me, and his ex-wife. I called them back and spoke with a representative named  XXXX   XXXX  at  XXXX . He told me that my husband had and  XXXX  mastercard that was opened in  XX/XX/XXXX  in  XXXX  County that he was active with and making payments on until  XXXX  of  XXXX  but then had an outstanding balance left of  XXXX . He gave me his social security number and his former addresses, including  one that w ould be accurate at that time. Figuring it was a legitimate debt I agreed to pay it, he emailed me a contract and I signed that electronically and then gave him information to make the payment. I then contacted my husband to follow up. He never had a credit card at that time, it was not his debt. He also checked his credit report to verify that this charge was not on it. I called  XXXX  back and told him that it was not a valid debt and that they were not allowed to collect those funds. He was able to list everything on my husbands credit report and claimed that that the account he told me about was the same as the account listed there, however I paid that account in full a couple months ago, and the amounts and dates did not match up. He told me that i was committing a breach of contract, that he has me on a recorded line agreeing to pay the amount, and that they would file ligation against us to collect the amount and more because of that breach of contract. He back pedaled and tried to claim that if i provided him with the paid in full information they would just clear the debt, when i told him that the account on the report is not the one he is claiming to collect on he said that there is just a discrepancy in the amount, he also said that they pulled the charge off the credit report to pursue it. So not only was there just a discrepancy in the amount, but it was not really even there. He called me idiotic, rude and argumentative, and consistently contradicted himself. I explained that we would not be paying that amount, contacted my back to ensure that no charge would be approved by them and informed him that I would be reporting them for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Over the last 3 weeks I have been receiving XXXX5 calls a day from Commonwealth Financial ( CFS ) A collection agency. They are asking for a XXXX XXXX XXXX whom I do not know. I have told them them 5 times now that I do not know this person and to stop calling me however the calls continue. 
Some of the numbers are : XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Debt collection (Credit card) with Forster, Garbus and Garbus (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I received notice from XXXX XXXX XXXX of an attempt to sue my XXXX mother, who has passed away on XXXX/XXXX/2017, There was never any communication to my mother from these people, Forster, Garbus & Garbus. This is their first communication, and it came in the form of a lawsuit to a deceased XXXX! 
The amount they are suing for is {$1400.00}!! 
I called the court and explained my mother had passed away, and there are no assets or estate. 
The court told me to report them to you, as they frequently do this to deceased people to see if there is an estate. I told the court I would send a copy of death certificate to them. 
These people really are the lowest of low. They should be sued for not validating the debt, and harassment. 
Even the court personnel now they are bottom feeders

Company response to consumer: Closed with explanation