milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I am XXXX and have been denied for a remodification of my loan. I successfully completed the trial, Unfortunately due to my illness I need XXXX upgraded in my house for my XXXX. During which time, I had to move out of my home and keep up the expenses at my home and still ( rent ) another place, while being on a fixed income. I 've been in my home for 20 years and it is all I have. I 'm asking now that I 'm back in my home, is for the payments that are behind to be put on the back of the loan. I have nowhere to go, Please help I want to keep 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 01/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX has my address as an office on my credit file XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I have attach a picture from google maps of XXXX errors

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 04/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 've never lived in XXXX Indiana.. This is my x wife.. I 'd like to have removed from my accounts

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 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ID THEFT VICTIM CRA, HIPPA RIGHTS INACCURATE INFORMATION COSTING CONSUMERS MILLIONS OF DOLLARS POLICE REPORT CASE NUMBER ENCLOSED

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 12/13/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: In XXXX 2016, I was approved for the Fedloan Servicing REPAYE repayment plan. I was advised that I would need to make a one time {$5.00} payment the next month and then my new payment plan would start. In XXXX, the correct payment did not get applied to my account, therefore I had to request a forbearance ( I can not afford the current payment of ~ {$1100.00}. In XXXX, the payment due amount again did not get correctly applied to my account ; therefore, I had to request an additional forbearance for that month. In XXXX, I was finally able to make the {$5.00} payment ( on XXXX/XXXX/16 ) and was told my new payment would start in XXXX 2016. Again, the correct payment amount was not triggered on my account -- again, I had to request a forbearance. Then again, in XXXX the same issue occurred, so currently, my loan is in forbearance. I have been promised multiple times by different people that the correct payment will trigger. Unfortunately, to date, this continues to be an issue. 

I am currently in a Public Loan Forgiveness Program -- due to the inadequacies of FedLoan Servicing in getting my new payment plan in place, I have not missed out on 5 months of payment credits toward my overall loan forgiveness plan. 
I would appreciate any thoughts or assistance in getting this issue resolved. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I have a loan program called FFELP. I made a complain before about my student loan account number XXXX. On this account I have about XXXX loans. I have contacted the Salliemae/XXXX informing them I have no job and I needed to have my loan payments deferred, I requested this form since XXXX XXXX, due to unemployment. I have not received any document from XXXX and department of education. I have submitted a complain to Ambushed men but no solution. Every day I received more than XXXX calls a day from XXXX and Dep. of Education asking for pass due payment in the amount of {$1600.00} to pay immediately. I have no job I just wonder How will I pay them. I also know that I have a right to deferred my student loan. I just do n't know when the phone calls will stop. I spoe with most of them on phone telling me they want to help. i asked How? once I ask that question they hanged up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Bank account or service (Checking account) with PNC Bank N.A. (VA).
Issue: Deposits and withdrawals

Complaint: I deposited our state tax refund check. Which was made out to ( my wifeand I ) XXXX and XXXX XXXX. I deposited it at the merchant square PNC branch atm. That was at XXXX on tuesday XXXX/XXXX/16. Then I recieved an email at XXXX hrs on XXXX/XXXX/16 that the check was not able to be deposited. I had to call pnc and was very Irate and had to get transferred to the escalation team lead who could n't do anything for me. I was told it was pnc 's policy " not to allow checks to be deposited when they 're made out to people not on the account. '' I responded my wife signed the back of it and I signed the back of it. I then asked for the specific policy ; which they could not find. They responded you signed the " checking account agreement. I asked them to read where it specifically says that. Again there was nothing stating that. They said I would recieve the return check within 10 days. I asked why ca n't I go get my check from the branch where I deposited it. They explained I would be getting a copy of that check and not the original. Then I would have to bring it to the branch along with my wife and her ID. I said I want the original check if not and it was a copy then Pnc should have it on file or in the computer and I should just bring my wife and her id to the bank and they just check it. They said that could n't be done. I demanded the original check then. They then were trying to get off the phone and telling us they would cotact us tomorrow XXXX/XXXX/16 at noon I told them I will already be at the branch way before then and that this situation should be taken up soon as they open. This is not the first time these mf'rs have had my money and told me what there going to do with it. I want something done. People 's money and bank accounts should be handled with respect and urgency! This is unethical business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Debt collection (Payday loan debt) with Ad Astra Recovery Services Inc (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Ad Astra at number XXXX repeatedly called my cell phone and my work phone between XXXX and XXXX on X/XX/2017. They do not disclose who they are and was very rude when asked to call after work hours. I asked if there was a call back number and was told " we need an account number from you to settle this debt or we would have to pursue you in court and file criminal charges. '' The agent was very degrading and belligerent. When they called my employer and was placed on hold they immediately hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: About two months ago I contacted Experian about Identity theft. 
This item was not removed from my credit report there was another Item that was removed because of Identity theft. My family and have been a victim of this on going problem It has been hard to get Credit the little I know about this Item is that it is a Medical COLLECTION.Please note we have Insurance and I am attaching it documents. 
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 05-09-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have a collections from Central Finance control aka Syndicated Office Systems. After reading about their illegal debt collections practices on your web site. In my case I never heard a word from them. The only way I discovered this claim was when I looked at my credit report. It appears to me that they violated my rights in XXXX ways. 1. They did not respond to my request within 30 days. 2. They never sent debt validation notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I found out about the Equifax system breach on XXXX/XXXX/XXXX and I immediately requested my consumer report from Equifax. A rep from Equifax informed me that my credit file was in fact heavily compromised with multiple new accounts overseas and that for my protection my file was " administratively '' frozen. The rep ( XXXX? ) further informed me that even though I verified my account verbally and submitted the requested photocopies of ID that Equifax will NEVER release my file as it was not just compromised, it was used fraudulently to destroy my credit. 

Furthermore, Equifax will not do anything with my consumer file. As soon as I verify my SSN on subsequent calls, i will be informed that my matter was resolved and hang up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Mortgage (VA mortgage) with SUNTRUST BANKS, INC. (MS).
Issue: Loan servicing, payments, escrow account

Complaint: Suntrust Mortgage is basing an increase in my escrow account without taking into account an official estimate of my new tax amount for this year. I was eligible to benefit from a significant reduction in my county real estate tax by way of having been granted an over XXXX homestead exemption. My tax was reduced from {$1500.00} to approximately {$600.00}. The new computation is a high estimate based on my previous tax bill of {$150000.00}. 
I received an official document from XXXX XXXX, XXXX on the form that they commonly use for this purpose. The document is signed by the appropriate county employee and, as suggested by Suntrust, sent the document to Suntrust. Suntrust has advised me that they have this form in their possession. 
Suntrust recently calculated my escrow and payment based upon the previously mentioned higher amount. The stated reason was because their research department was unable to verify the new lower tax amount. I admit they I do n't know who they spoke with but I did attempt to have them contact the person that issued me the homestead exemption and the new estimate. The Suntrust employee told me that they do n't work that way. I advised them that federal law protected consumers from this type of problem. My suggestion is that they simply contact the person who signed on the county form and confirm the validity of the document. 
The approximate {$600.00} new tax amount does reflect the homestead reduction and is based upon last year 's tax amount with a reasonable increase in millage rate. In other words it is a county official 's best estimate of what my county tax bill will be for XX/XX/XXXX. 
The increase in my payment is almost {$90.00} per month and is not only burdensome but unfounded. I f they truly have a research department they should resolve this by contacting the county official that signed the document and adjust my escrow appropriately.

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 08-01-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Customer service / Customer relations

Complaint: On XXXX XXXX, 2016 I mistakenly made a payment of {$1300.00} to a closed Citi card ending in XXXX. I have called and requested a refund a number of times. Each time I call I am told something different. I have been told that my checking account was refunded on XXXX XXXX, 2016, XXXX XXXX, 2016, and XXXX XXXX, 2016. None of this is true. When I call ( at least 15 or 20 times ) I am told someone who can help me will call back in 24 to 72 hours, I have only received on call back on Sunday XXXX XXXX, 2016 from XXXX on team XXXX at ( XXXX ) XXXX. We talked about the lack of my refund, she said she would call my bank and get back to me in 24 to 48 hours. She has not gotten back to me in 8 days. I have called the ( XXXX ) XXXX number back twice and left messages, no returned calls.

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 11/16/2016 about Debt collection (I do not know) with Integrated Recovery Services (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They keep calling looking for somebody I do n't know. I 've called them back many times nicely telling them I do n't know the person and to stop calling me. The last guy told me they 'll keep trying to reach this person at my number and I am welcome to file a complaint. They have several phone numbers so it 's always different I 'm trying to block.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Student loan (Non-federal student loan) with TRANSWORLD SYSTEMS INC (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My private student loans were originally through  XXXX   XXXX , which were sold  to   XXXX   XXXX   XXXX   , LLC .  I made arrangements to have payments auto-drafted from my account and up until  XXXX     2017, th ey were regularly paid. As of  XXXX , they have stopped taking my payment. When I went online to see why, I could not view any information on my account. When I called to inquire about this matter, they told me that I am " locked '' out of my account due to my accounts being in a charge-off status. The representative told me that my payment expired a year ago, so I have n't been paying enough each month. I have had absolutel y zero  correspondence with them about this. They informed me that I have  XXXX  additional accounts ( that I was completely unaware of ) that are in charge-off status also. These accounts never showed up on my online account and was never mentioned in prior discussions. I asked them to please tell me what I owe, because this is the first time I am hearing about these other " accounts ''. They told me that I would need to pay a fee of {$100.00} for each account to " unlock '' them and find out how much I owe. I have been dealing with all kinds of fraud surrounding my student loans after attending  XXXX  University and I am not sure how to handle this situation. They will not tell me anything about my account unless I give them {$300.00} and I feel that it is my right to know how much money I owe. Please help me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Student loan (Non-federal student loan) with Pollack & Rosen, P.A. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have XXXX private student loans that were sold to collection agency and I was paying thinking I was paying on both - then a received a letter from an attorney 's office wanting to collect. I called the agency that I was paying and they said I am only paying XXXX loan and the other loan was taken from their office and there is nothing they can do about it. 
What can I do - I tried calling the attorney 's office who is collecting on the loan but they never answer or call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (SC).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: My name is  XXXX   XXXX . Birthdate   XXXX     I have an account reported on my credit that is false, incorrect, inaccurate and illegally reported. It is reported in violation of the FCRA, FDCPA and FACTA. I called this company and requested the original signed contract for the account they are reporting and the complete payment history from original creditor. Per FCRA  623 t his is the ONLY way they can verify accurate reporting to a CRA and legally report ANY account. I also asked for the letter of assignment and agreement between the original creditor and this collection agency ALSO required by FDCPA for any collection agency to report OR collect on an account. When I asked the lady  that answer3ed the phone to speak with a supervisor she informed me she WOULD NOT LET ME speak to a supervisor and when I gave her my reason she said THAT IS NOT A GOOD ENOUGH REASON. According to collection law in Texas this is VIOLATION and NOT in accordance3  with collection responsibility and laws. The original creditor should have obeyed all credit reporting laws and provided me the letter  ( FACTA )  30 days prior to ever reporting any late or missed payment to any CRA. This should be in the collections possession with ALL  requir3ed  docs to report but CENTRAL FINANCE CONTROL ( ALSO KNOWN AS SYNDICATED Office SYSTEMS ) does NOT have these docs to provide or PROVE right to report and are continuing to knowingly and willfully report ILLEGALLY to the CRA 's. See the attached letter I faxed this  XXXX  olle3ction comp any before and after calling their office in effort to resolve and request all docs to legally report anything on my credit THEY REFUSED TO RESPOND OR COMPLY WITH LAWS TO REPORT!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CO).
Issue: Making/receiving payments, sending money

Complaint: I bank with Chase and have for over 10 years. The online bill pay used to work a bit differently- the funds were taken from your account when the recipient received the funds or cashed the check from Chase. Now funds are taken when the payment is made. I thought the funds were transferred electronically but that is not necessarily the case. My mortgage payment was made through online bill pay on XXXX/XXXX/2016, and over {$2400.00} taken from our account. When I received the XX/XX/XXXX statement from our mortgage servicer they did not show the XX/XX/XXXX payment had been received. I contacted them, went through the process of submitting information and waited for a response which took over a week, for them to tell me they needed a copy of the cancelled check ( I had originally submitted the only payment verification information available on Chase 's website ). I called Chase to get a copy of the cancelled check and was told after quite a bit of back and forth, that the check had not been cashed. Chase would apply a stop payment and the funds would returned to our account overall between processing, stop payment, etc. in 5-7 business days. 

Had I written a paper check the funds would still be in my account and I would have been able to easily see that my mortgage company had not received the payment. I could have simply made the payment online through their website to avoid late fees and any negative reporting on my credit. Now my mortgage payment will be 30 days past due and show on my credit because of Chase 's online bill pay process and because I do not have an extra {$2400.00} just laying around.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: This account was deleted from my account due to Identity theft and it has recently been placed back on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Debt collection (Mortgage debt) with Carpenter, Hazlewood, Delgado & Bolen, PLC (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: This Complaint is being filed due to this firms lack of competent business practices and the manner in which this firm has attempted to extort excessive fees and charges due to an alleged balance they are attempting to collect on. This firm lacks any sort of consistency or professionalism and in trying to contact the incompetent individuals that are employed by this firm I have been met with a severe lack of follow up or professionalism. This Firm is attempting to collect on behalf of XXXX XXXX which is an XXXX firm that has failed to follow due diligence in its effort to conduct any sort of relevant business. Due to this companies lack of protocol or process they have now attempted to serve me on an erroneous lawsuit with excessive and what should be considered illegal fees and additional charges. I have made an attempt to contact this company prior and left messages on 2 separate occasions for a XXXX and XXXX, but have yet to have anyone from this organization reach out to me to discuss this matter. I am absolutely disgusted at the manner in which this firm has billed me, and I refuse to be bullied or extorted via a lawsuit. My recommendation is this firm needs to do a complete re evaluation on its business practices and I demand a review of this account and all of the erroneuos charges they have billed. I refuse to pay this companies excessive fees and will demand that they be removed.

Company response to consumer: Closed with monetary relief