milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Interactions with XXXX : XXXX/XXXX/XXXX - I received notice that my forbearance was ending under the Standard Repayment Plan, and I saw that I qualified for the Revised Pay As You Earn plan ( REPAYE ) and filed documents to certify for the plan. 
XXXX/XXXX/XXXX - I was notified by XXXX that I would be asked to make a {$5.00} payment under the Standard plan to switch to REPAYE, and the instructions said to simply pay the amount when the bill was due by XXXX/XXXX/XXXX. 
XXXX/XXXX/XXXX - I paid the {$5.00} required to switch to REPAYE. 
XXXX/XXXX/XXXX - XXXX sent me a denial letter, saying I did n't qualify for REPAYE because I did n't make the payment on time. Keep in mind that this letter was sent BEFORE the due date of the payment ( XXXX/XXXX/XXXX ). 
XXXX/XXXX/XXXX - Called XXXX to clarify ; a representative stated that the rejection " should n't have happened '' and she stated that she would open the application to be re-processed for REPAYE. She stated that someone must have denied me despite them having record of me made the required payment to switch. 
XXXX/XXXX/XXXX - Received a letter of disclosure from XXXX stating that I am in repayment under the Standard Repayment Plan, not REPAYE. 
XXXX/XXXX/XXXX - Called XXXX, spoke to XXXX XXXX # XXXX ), and he noted that my application still had n't been processed to switch to REPAYE, but it was " open. '' Meanwhile, I have a payment under the Standard plan due in XXXX ( more than I can afford ; the REPAYE plan allows for lower payments ). XXXX stated that he would need to put me in forbearance again to avoid having to make the payment in a few weeks, and stated that he put me in forbearance for just XXXX month and that the application " should be processed '' before XXXX 's payment date. 

It is unacceptable that processing applications for repayment plans takes this long and are rejected for false reasons XXXX lack of payment when payment was clearly provided ). I was hoping to make my first payment under REPAYE in XXXX, but I 'm still not even on the plan yet with no set time guarantees for when it will be processed. No representative has been able to give me a set time for when the REPAYE application will be fully processed, except that they hope it 's going to be " before XXXX. '' Meanwhile, my interest continues to accrue due to shady business practices by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (I do not know) with Commonwealth Financial Systems, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Commonwealth Financial keeps calling me on my cell phone over and over. Each time I speak to a rep there, they claim that they do not have the number they are calling in my system, yet I use my cell phone to tap the incoming number when I 'm calling them back. I have asked them numerous times to remove my number since I have no business with them and they have no business with me. Please help me make them stop calling my phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Bank account or service (Other bank product/service) with PLANET HOME LENDING, LLC (GA).
Issue: Account opening, closing, or management

Complaint: I started my mortgage modification with my previous mortgage company in XXXX XXXX ; my loan was sold and my new mortgage company took over in XXXX XXXX. I have made over XXXX phone calls since XXXX XXXX requesting a modification, numerous faxes, over XXXX documents submitted. In XXXX XXXX, I was informed that because my previous modification took place in XXXX, I would have to wait until XXXX XXXX in order to be qualified. We are approaching XXXX XXXX, and I am still waiting for my modification to be approved. This process has been frustrating ; I have been lied to on several occasions. I am disgusted. This processs has created an environment of ongoing stress and instability in my home. I need help. This is the second complaint filed with this office.

Company response to consumer: Closed
Consumer complaint received 04-09-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MI).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Midland Funding sued me in XXXX 2008 for {$3300.00}. I requested proof that I owed the debt which they never provided to me nor the magistrate ask for discovery. My rights were violated. All motions were denied in circuit court to overturn the judgment. Since I did not receive any proof that I owed the debt I did not enter into a payment agreement and my wages were garnished beginning XXXX 2008. A total of {$3000.00} was paid over a period of XXXX months before losing my job. Now I am being garnished again with interest for a total of {$2000.00}. I have requested in writing that they prove the debt and they have yet to do so. The statute of limitations in my state is XXXX years. Midland funding is still trying to make money off me for a debt that I do not owe and that they never provided proof that I owe. They are engaging in unfair practices by charging me interest and collecting money from me on a debt that I do not owe and that the statutes has expired on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/31/2017 about Credit reporting () with United Student Aid (USA) Funds (LA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had an old student loan through XXXX from about twelve years ago. The account was in collection, but hit the statute of limitations and was removed. It is now back in collections through USA Funds and the original start date is incorrect. They have refused on multiple occasions to provide any information or proof of debt. They are now on their fourth third party collection agency from which I have sued and won for unfair collection practices. Can anything be done to have this account removed?

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Credit decision / Underwriting

Complaint: Re : Disputing Value : Loan Modification for Loan Number : XXXX I was approved for a loan modification in XXXX 2016. After careful review of the documents I noticed the value of the home that Ocwen was using was not the true value of the home. I disputed the value and I received a revised value that did not make a difference in the loan modification payment. I resubmitted the appraisal that shows the details of what work needs to be completed however Ocwen is refusing to take into consideration the appraisal which shows a $ XXXX difference. Below is a letter I recently sent and I have attached the original letter that shows the appraisal. The goal is to get a loan modification that reflects the try value of the home while offering a monthly affordable payment. 

On XXXX XXXX I provided Ocwen a appraisal that shows the current value of my home at $ XXXX. This appraisal included XXXX comparable homes that have no damage at : {$770.00}, {$770.00} and $ XXXX. Per our conversation today I was advised that the value Ocwen is offering is only {$720.00}. This appraisal I submitted provided detailed notes on the cost of repairs to bring the value up to fair market value. I am still disputing the value of the home Ocwen is offering based on the appraisal I submitted of $ XXXX. 
I would like the evaluation team to review the appraisal again and consider the amount of work that would get this property value up to where Ocwen states it should be. Again my appraisal is $ XXXX and I would like to have a loan modification based on that evaluation. This would allow my family to stay in our home with an affordable monthly payment. 

My last modification was approved by a Chapter XXXX judge and we used an appraisal similar to the one I provided and the judge approved. I am just trying to get a better deal on the loan modification and/or through a Principal Reduction based on the appraisal. 

We would like to have a new proposed solution that reflects the new appraisal of $ XXXX. The previous loan modification which shows that Ocwen was giving us a IN-HOUSE loan modification with a true Principal Reduction. Please see previous correspondence. 

Respectively, XXXX XXXX XXXX XXXX, XXXX, Ocwen Client

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Credit line increase/decrease

Complaint: Although I have been an excellent customer of Chase for many years, and have not missed a payment nor exceeded my credit limit, they have decided to reduce my limit from XXXX to XXXX. They claim this is due to too many other accounts and high balances, however it is not fair represent a credit limit as XXXX amount and then as I get closer to the limit change it to a lower amount! Did I ever really have a limit of XXXX if as soon as I spend XXXX toward it it shrinks down? This is deceptive and the decision for my limit should be based solely on my good relationship with Chase and not on whatever may happen with other cards I hold. Plus, as a result of their decision, my credit score will drop further now that I am much closer to the total amount of available credit. This needs to be fixed and reversed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Received a letter Credit Collection Services saying I owe XXXX {$570.00}. I have never had a XXXX account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: THIS COMPANY IS REPORTING FALSE INFORMATION AND ITS DETRIMENTAL TO ME AND MY FAMILY XXXX XXXX XXXX IS REPORTING THIS CAR AS A REPO AND ITS BEEN PAID FOR TWICE IN FULL ONCE BY ME THEN THEY REPOED THE CAR AND SOLD IT AT A AUCTION. I NEED MY CREDIT REPORT UPDATED TO PAID IN FULL!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Student loan (Non-federal student loan) with DISCOVER BANK (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Discover bank is trying to obtain my phone number for illegal purposes. I have a private student loan from Discover. In XX/XX/XXXX I had some issues with them harassing me and my family via phone. As this time I requested that Discover not call me anymore. This do not call was violated a few times over the past 5 years, but more or less was abided by. On XX/XX/XXXX I attempted to log on to my online account, but I could not without entering a phone number and clicking on a button to accept calls and communications from Discover. I called discover and asked to speak with a supervisor. They told me they would investigate. On XX/XX/XXXX I attempted to log on and pay my bill. I was still being required to enter my phone number. I called to follow up and spoke with XXXX ( Refused to Provide Last Name ), A supervisor in the Student Loan Department. She reviewed the file and told me there was nothing she could do. I asked to be transferred to someone who could help. She refused. I asked to be transferred to the Executive Office. She refused. I asked for the phone number for the Executive Office. She lied and said there was not a phone number. I explained to her that I know that is not correct. She then back-peddled and explained she would have to look into it.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Bought a XXXX from XXXX which they, I, financed through XXXX XXXX. It was a installment sales contract. But on all XXXX credit reports it is listed as a revolving account and an installment sales contract. XXXX is the only one that lists it a installment sales contract. The other XXXX companies and hy cite refuse to alter the info because it is listed as a positive account, paid in full and never late. An installment sales contract would make it a mixed credit report and would raise my score from C to an B. When applying for a loan it was XXXX of the reasons listed for denying the loan. Also XXXX a utility company should be listed as a sales, as I pay month to month and not under contact. If I had bought a car or boat this is where it would be located under sale account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have recently sent in a request to XXXX to investigate a fraud issue, however the account that is no longer supposed to be on my report is ( XXXX XXXX XXXX ). This account is showing as reported/ active as a credit card by XXXX  which is incorrect. 

Moreover, Transunion has the fraudulent company ( XXXX ) also still showing on my report as a hard inquiry.

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 04-08-2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (NH).
Issue: Loan modification,collection,foreclosure

Complaint: three years ago citi mortgage forclosed on my home never giving me any opitions, never tried to work something out, even tried to auction off my house but set the starting price at 3 times the value so everyone walked away. my house is still vacate 3 years latter and I still get letters from citi mortgage about property insurance. citi mortgage has already been paid by FHA so they do not care if the house stays vacate and I lost my home

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 03/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hi there, I was previously notified by XXXX that a XXXX credit card was opened under my name. I called XXXX XXXX and they said they opened an investigation to look into this and would handle figuring out what happened. Can you please check with them as the account is already reported as closed and I 'd like to remove the hard inquiry from my report. 

Thank you.

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 06/27/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: LVNV Funding llc continues to send me letter asking me to pay on loan that has been taken off my credit report. They are thereatening to return this loan as 'Active Collection '. 
The account was charged off is XXXX. 
My detailed credit report was pulled in XXXX and nowhere was this loan showed and now LVNV is harrasing me by sending me letters that I owe money.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Beginning in XXXX of XXXX, I separated from my spouse and began the divorce process by moving my residence twice. On numerous occasions, I contacted Chase regarding both of these changes. Despite my efforts to have the bill sent to my new residences and / or e-mailed to me, Chase failed to follow through with this. I spent a great deal of time on the phone with Chase and many of our conversations became hostile. Because of this hostility, I firmly believe that I was intentionally targeted and one of my payments over the phone was not processed in retaliation. One month after my divorce was finalized, Chase reported a 30 day late on my account in XXXX XXXX. This was a complete slap in the face, especially because of the repetitive due diligence on my end to change two of my home addresses during the divorce process. I NEVER RECEIVED US MAIL CORRESPONDENCE BILLS AS REQUESTED DURING THIS TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: To Whom  It May Co ncern, I have reason to believe th at Navient incorre ctly debited my checking account in the amount of {$190.00} on  XXXX   XXXX ,  XXXX . Upon entering my agreement to obtain federal assistance, I was specifically told that my grace period ended  XXXX   XXXX ,  XXXX . I was never notified that this date had changed to  XXXX   XXXX ,  XXXX  and on  XXXX   XXXX ,  XXXX  I received an email indicating that {$190.00} would be debited from my account later on that day. While I understand that mistakes happen, the fact that I was not given the proper notification for a change of circumstance on my account is deceptive and extremely unacceptable. When I contact ed Navient about this matter, the customer service representative that I spoke to indicated that it was my duty to  submit documentation evidencing my full-time status in order for my account to be credited back the {$190.00} that was taken. Placing the burden of investigation of a consumers complaint/inquiry is inconsistent with basic consumer protection law, and as a result, I would like to file a formal complaint against the loan servicing agency.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (KY).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: 1. I applied for a XXXX XXXX via Rocket Mortgage on XXXX XXXX 2017 2. I worked with XXXX XXXX to provide all details of my situation and was issued my pre-approval letter on XX/XX/XXXX. I disclosed that I was an US Citizen but living and working abroad at this time and that this was to be an investment / rental property. There were no concerns expressed and the pre-approval letter issued. 3. On XX/XX/XXXX XXXX XXXX asked me to call her back and I was informed that since I was not physically residing in the US that they were not able to proceed. I requested in writing the formal reason for such and was connected with XXXX XXXX. 4. Spoke with XXXX and requested a formal letter stating the reasons for the denial and advised that this was discriminatory lending as I met all financial terms and conditions. 5. On XX/XX/XXXX, XXXX emailed to state that he had reviewed and that due to my non US residency that " financing is not allowed ''. 6. I replied on XX/XX/XXXX stating that this is not a " law '' but a practice by Quicken Loans and is discriminatory. I again requested a formal letter stating the reasons for why I was being denied so that I could take appropriate legal action. 7. On XX/XX/XXXX XXXX emailed to state that " Quicken Loans will not be providing a letter and do not agree with the assertion that we are discriminating. We will respond accordingly to any lawsuits and vigorously defend ourselves ''. 8. On XX/XX/XXXX I re-emailed stating that I was entitled to an formal letter as to the reason for the denial and cited FTC website stating this must be provided in writing. <P/>Due to the aggressive response of XXXX and the refusal to provide the letter and continuing to hold to the discriminatory position I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Houston Finance Co. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I did a preliminary application with  XXXX   XXXX  to see if I could be pre-approved for a loan, however I was not aware that they were a sister-company f or Houston Finance in which I had previously had a loan. The company pulled my report without my knowledge, and when I contacted them to inquire about the preliminary application that I had submitted they then proceeded to inform me that they could not give me a loan because I 've had one before with their sister-company which was fine but I had no idea they had pulled my credit report until I viewed my credit report. I then called them to ask why would they pull that knowing that I had, had a loan with their sister-company but the representative could not give me a valid answer.      It is unfair to consumers for these companies to without knowledge to the consumer to pull credit reports before verifying whether or not the consumer has been a previous client.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (Medical debt) with First Federal Credit Control (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX contact XXXX who is a Collection Department/Attorney/Agency who threatened to put this particular debt and another on my credit after I told them that I do not know who they are, I do not have an account with them and NEVER had an account with them. I have seen at least XXXX times in 1 month where they have attached derogatory remarks and collections to my credit which i'm sure is illegal. I have attempted to dispute the information which is damaging my credit. I am filing an official complaint because my debt was sold to this agency from Florida XXXX XXXX, which I never received an invoice or bill for {$560.00}. I explained that to them on a line i record and now my credit is being damaged and i never even knew i owed them until recently! I have a copy of the credit report where they are putting derogatory remarks and collections on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation