milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have been on the Pay As You Earn ( PAYE ) payment plan and the public service loan forgiveness program since graduating XXXX for my consolidated student loan with FedLoans. I have been on time with my payments. On XXXX XXXX, my payment was increased from {$100.00} to {$1800.00} as the paperwork to re-certify PAYE was not received by FedLoans. My account is on Direct Debit, and the payment of {$1800.00} was debited from my account. I can not afford this payment and think that FedLoans has taken advantage of my Direct Debit status as this payment would not have processed so quickly or automatically if I was not on Direct Debit. I was not aware of this payment increasing due to the poor communication system from Fedloans. 

My suggestion is that Fedloans needs to make the email subject line clearer. For example " PAYE expiring in 3 months '' rather than " Recertify your IDR plan today! '' as it was on the email they sent me. I am a very busy XXXX and interpreted this email notification as an issue that I had already addressed. Nor did I receive a direct email that said my payment was increasing to {$1800.00}. Most of the communications require you to go to the Fedloans website, log in, and download the communication. This is more steps than is necessary or we have time for as busy XXXX. It is unfair for the system to take advantage of a person who has been on time with payments and can enroll in Direct Debit. And for the system to allow people to " fall out '' of income driven payment plans due to subpar and unclear communications.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2016 about Debt collection (Medical) with Universal Recovery Corporation (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I told them to not contact my husband or myself at work and they did again. They told me and my husband that they will be attaching our wages. The caller also told us we had to call back by XXXX the next day after we made payments or they would take further steps to contact our employers. I made a payment on XXXX/XXXX/16 for {$58.00} and then on XXXX/XXXX/16 the called my husband at work and told him he had to make a payment, which he did make another payment. Then the guy told him if he did not call back by noon that he would start proceeding 's against us to attach our wages. We made 2 payments in 8 days and he still harasses us. He calls several times a day and does not leave a voicemail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I can not get in touch with a human to express my problem. Out of frustration I am filing a complaint about the XXXX credit reporting agencies. I have several creditors showing up as bad debt and they have been closed for over 7 years. This situation is really messing me up at repairing my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Debt collection (Other debt) with R & B Corporation of Virginia (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had an issue with XXXX XXXX that stems from XXXX losing my account for twice. I had been a customer for 7 years and suddenly my service gets cancelled. The reason I was given on one of my 9 calls to XXXX was somebody tried to open service at my address and they weren't supposed to cut service but they did. After repeated communications where their accounting system did not show I made payments via auto pay or that I had an account for 7 years I was told by XXXX  to dispute the charges with my XXXX credit card, which I did. I also closed my account. At the time of closing I had a XXXX   balance as I paid everything. Months later I was sent a bill with cancelled payment fees. I contacted XXXX again notifying them I closed my account and that XXXX told me to dispute charges. XXXX stated they are submitting paperwork to resolve the accounting issue. I haven't heard from XXXX since and it has been a few months. Today I received a notice from my credit monitoring that there are open accounts and derogatory marks posted by a collection company employed by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Vehicle loan or lease (Lease) with BMW Financial Services NA, LLC (CA).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I signed a lease with BMW Financial Services for a new XXXX and elected to take delivery in XXXX at the factory under their XXXX Delivery Program on XXXX XXXX, XXXX. When I signed the lease forms on XXXX XXXX, XXXX I was asked to make the initial `` drive off '' payment ... however there was no car. We picked up the car in XXXX on XXXX XXXX as planned, drove the car for 10 days and it is now in transit back to the U.S. for delivery approx. XXXX XXXX, XXXX. Payments have been due on the XXXX of each month since XXXX XXXX. The payment on XXXX XXXX was credited by BMW, however, the payment due XXXX XXXX I am told I must sill pay even though I will likely not have the vehicle until the XXXX payment is due. If the car arrives and is re-delivered on XXXX XXXX I will have paid for 60 days of lease yet only have 10 days on driving. Normally, if I had taken delivery in the U.S. at the dealer, I would have taken delivery, made the `` drive off '' payment and actually driven off with the car. I would have gotten full value for the lease. When the XXXX delivery option was described to me, the worst case seemed to be that I would pay one month of lease for 10 days on driving and not have any other loss of use penalties. However, this is not the case and I would appreciate assistance in getting credit for at least one additional month of the lease. 

Also, BMW Financial Services was sloppy in how they have handled my billing statements by not crediting the one month that they did in time to not trigger additional fees and penalties. After a call from me it was corrected but it should never have happened that way.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (Medical debt) with Midwest Recovery Systems (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: in response to CFPB   XXXX   XXXX    TODAYS   DATE  XXXX    XXXX ,   XXXX   XXXX   SOC SEC  XXXX    XXXX   DOB  XX/XX/XXXX    ADDRESS   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX , FL  XXXX  To  Whom It May Concern Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its reportin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) Transunion has reason to determine that you obtained possession of goods   Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key p ieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Thank you.    TODAYS DATE: XX/XX/XXXX    XXXX   XXXX   XXXX   SOC SEC  XXXX   XXXX  DOB  XX/XX/XXXX    ADDRESS   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2016 about Student loan (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: In 2007, I made a decision to return to college to complete a degree I started 10 years prior. I was ineligible for student aid because although I was n't working, I am married. I had maxed out the amount of money I could take with XXXX XXXX so I borrowed from NJ class. When I graduated, I was sent a bill almost right away. I called to tell them that I was n't working and asked if I could defer/forbear the loan for a few months. I was told there were no options. With XXXX children to care for my husband and I had nothing to send while I was n't working. I called them back to make arrangements when I was finally able to obtain a job but it was too late and I was sued by their debt collection lawyers. I am now paying almost triple the amount per month than the original payment with the threat that if I do n't pay my wages will be garnished. I have talked several people out of taking loans with NJ class because their practices ; I was n't given any grace after graduation or any other options for repayment. I was n't trying to get out of my obligation, I just needed time to find a job or something that would have help during an economic hardship. NJ class feels they can get away with it because they do n't have to follow the same structure as the federal student loans but they ca n't be discharged on a bankruptcy because they are a student loan company so no matter how it impacts my family there is nothing I can do. I am forced to come up with a high payment that goes up {$50.00} every six months until it 's paid. Shame on NJ Class for giving people the false impression they are there to assist in the goals and dreams of students that just want to get an education but fall short on money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2016 about Bank account or service (Checking account) with U.S. BANCORP (IL).
Issue: Deposits and withdrawals

Complaint: I 've been with us bank for some while now. And, per my opening of my account I 've opted out of over draft protection. A couple of times, they 've had to refund me money because somehow unexplainable its been put on and off. So, a couple days ago from this notice here. I was charges a overdraft fee. Telling me I went in the negative when.certain checks went through. Ok, they could not prove it. My account went in the negative from what I seen, when they charge me overdrafts when I should n't have. So, when my other transactions came in, the money was n't available. So, that 's when I was in the negative. Then I 've been cashing my dads checks for a while. Now since I 've made a complaint. I go to withdraw. Branch manager XXXX located in XXXX, I 'll. Tells me I could n't cause they have no proof the check was endorsed. Well why is it, and others cleared. I can use my card. But ca n't withdraw now?. She made all the running around the answer. I need to file a complaint and get all the money back I 've been charged..

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 02-09-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have been receiving calls in the late evening claiming I owe on a creditcard, Affirm, which I do not recall. Is not even on my credit report, I requested that they send me a letter of officail debt and to stop calling me past XXXX. The agent was interupting me and threatened to arrest and sue me for a debt I do not recall, that is why I requested a letter. She advised me that I need to write a letter to demand the phone calls be stopped but I am on XXXX and could not write the address, as she was yelling and interrupting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-10-2016 about Debt collection (Mortgage) with FLAGSTAR BANK, FSB (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a mortgage with Flagstar Bank. They apparently mistakenly sent my mortgage ( and a number of other customer mortgages ) to XXXX for collection even though the mortgages are current and I continue to make regular payments. In speaking with Flagstar several times, they tell me that there was a mistake on their end in sending my loan for collection but it has been over a month and they still have not addressed the issue although they claim they continue to work the issue in their Research department. However, I continue to get calls from XXXX demanding payment even though I have sent an e-mail to XXXX explaining the situation.

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 12-03-2016 about Debt collection (Credit card) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX has continued to falsely report that I owe them membership dues when in fact the membership was cancelled. On multiple occasions I called XXXX to inform them that I should not be charged any dues per my cancellation. XXXX has failed to identify a confirmed cancelled member and has continued to try and collect false debt from me. This is consumer fraud and XXXX should be reported to the XXXX for their illegal business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX I ordered a copy of my credit report for all 3 credit bureaus and noticed some accounts that I was unaware of. The accounts seem to be errors of debt that I am unaware of. I have sent certified letter to the creditors and to all 3 credit bureaus yet no actions was taken in order to resolve this matter. I have decided to file a lawsuit against the creditors for using my consent without me, and not removing this error off my credit permanently. Your company has caused major distress to my life, has threaten to sue me and have contacted me at my job. Your company have violated me in many ways through The FCRA laws sections 604, 605, 609, 611 ( a ) ( 1 ) ( A ), ( a ) ( 7 ), ( 5 ) ( A ), 616, 617. I am not going to allow you to harass me any longer and I have filed a lawsuit. Ive tried to contact you through mail with certified documents, the phone but no response back after months. I was left to file a lawsuit against your companies. 
The erroneous status of your credit reporting agency records is unacceptable and is preventing me from obtaining necessary financing. Pursuant to Title 15, Section 1666 of the United States Code, I formally request the following documentary evidence pertaining to my account : A summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payments posted, charges made, and date of charges posted. 

Copies of all documents and financial instruments used to pay the disputed late payments. 

Copies of all charge slips, invoices, promissory notes, and all other documents proving indebtedness. 

This information and documentation is critical and time is of the essence. Within less than thirty ( 30 ) days, I will be damaged partially because of the discrepancy with your reported records. The above noted code requires your response within thirty ( 30 ) days. Your prompt attention will be greatly appreciated. I hereby request that your response be mailed to the address listed below. 

If you find that your information and documentation does not support the negative history reported to the three credit bureaus, I invite you to submit a completed Universal Data Form to said bureaus in order to remove the negative notations. Upon removal of the negative notations, I agree to hold your company harmless from any and all inconvenience and/or damage related thereto. 
XXXX XXXX XXXX {$930.00}, XXXX XXXX XXXX {$670.00}, XXXX XXXX {$890.00}

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 10/18/2017 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Trouble during payment process

Complaint: I had a XXXX at my residence in XXXX XXXX, the property was deemed a total gut, by the insurance company. I 've started the process of repairs after being paid by the insurance company. The mortgage company is in possession of the funds. After a mortgage ordered inspection, which was deemed to be XXXX % of the work completed, it was lowered to XXXX %, after review by their inspection team. " According to the mortgage company the pictures do n't justify the percentage. I have still been paying the mortgage monthly, I 'm in XXXX XXXXg the policy limits will be reached next mo th, then I will be responsible for the rent which is XXXX and my mortgage which is XXXX per month. I need the .mortgage company to cooperate and release the remaining funds, so I can compleye the need repairs so I may return to my home by next montj

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Mortgage (FHA mortgage) with Seterus, Inc. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Good day. This is additional information in reference to case number XXXX. Since the first complaint filed I am still having issues. Seterus sent me a letter stating the escrow was short and my mortgage payment would increase. A few weeks later they sent a letter of apology about the escrow letter being an error and to please disregard. Shortly after I receive another invoice with an additional {$140.00} attached to it ; I have no idea what this is. And last week I received a letter stating they did not have my social security number or a XXXX on file for me and sent a XXXX form for me to fill out. I have no idea what is happening with my account with this company but I am praying that someone get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Debt collection (Credit card) with Financial Credit Service, Inc. (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A representative from the Asset Recovery Associates called me and claimed to be representing XXXX to collect a debt that they claim I still owe from XXXX. They threatened me with a lien, to seize bank accounts and sue me in court. I spoke with no less than XXXX different people. Together they provided zero proof that the debt ever existed and when questioned about how I was able to open the alleged account in XXXX when I would have been XXXX years old, they changed their story and blamed a computer glitch/data entry error. I watch my credit histories carefully and this account never appears on my reports - then or now. I do not owe this debt but ARA attempted to scare me so that I would agree to pay. They also disclosed my social security number over the phone without verifying the identity of the person answering the phone. This reckless practice puts me at risk for identify theft. They must have purchased my information from some organization.They offered to send proof of their claims about this alleged deliquent account to me via email ; I provided my email information but have n't received any information - its been over a week now. This company is engaging in illegal business practices and should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2016 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (NV).
Issue: Application, originator, mortgage broker

Complaint: I was trying to get a home modification with my mortagage company. they had put me threw a run around for about a year i found help else where and was approved for the modification. in the terms of the modification my late payments was deferred but still show up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Debt collection (Credit card) with Van Ru Credit Corporation (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I checked my credit history and there was this debt there from XXXX and I do n't order online and this I never opened and its fraud and I should n't have to pay for what somebody else did

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-03-2017 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have for the past year disputing this account have sent them several certified letters as well as Identity theft information showing that the account was not mines. However they sent me a check showing a payment that was made with my name on it from another closed bank account that was closed because of the same Identity theft reason. I am trying to get this resolved once again and the company has not been helpful even after verifying everything asked of me.

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