milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/14/2017 about Consumer Loan (Installment loan) with LENDING CLUB CORP (WV).
Issue: Problems when you are unable to pay

Complaint: We are in financial trouble due to a combination of factors, including an unplanned job change that resulted in income reduction, and an eldercare situation in which my wife and I have become the sole caretakers of her XXXX old mother with no assistance ( timewise or money ) from other family members. Although we were not debt free to start with, these circumstances have greatly increased our debt ( both credit cards and unsecured loans ) ; while not large, used up the 401K and pension funds I had saved ; and prevented my wife from working due to caring for her mother. After my pension/401K money was used up we finally " hit the wall '' where our debts and living/eldercare expenses exceeded my income. I am not unwilling to pay our debts but need help doing so - I am entering into a Debt Management Plan with a non-profit credit counseling organization, which is helping me get reduced payments and interest rates from my creditors so I can pay them back over time. I chose this option because I do not wish to default on everything and enter into debt settlement ; neither do I want to declare bankruptcy. Nearly all my creditors are cooperating with my debt management efforts except XXXX. I took out a $ XXXX peer to peer loan with Lending Club in XXXX and was about halfway through the 60 month repayment period when all this came to a head. I still owe $ XXXX and the payments are $ XXXX/month, which is killing me as I try to tighten my belt and make this DMP work. Lending Club refuses to participate in the DMP. I have called them personally on several occasions and indicated I am committed to repaying my debt but that I need a lower payment to do so. The only assistance they have given is to push back the due dates to give me a little more time to get they payment together. Unfortunately under our present circumstances there is almost never {$360.00} available that is not needed for something else. I delayed the XXXX XXXX payment until XXXX and was able to pay it mainly because I had stopped paying my other credit cards in anticipation of the DMP. The XXXX payment has been pushed back to XXXX XXXX and as I am making the first payment into my DMP, I do not have enough funds to pay it. Likewise I am not sure how I am going to be able to continue the monthly payments moving forward. I acknowledge that I did agree to Lending Club 's terms, and was able to abide by them for 2.5 years, but things have changed and I am teetering on the verge of bankruptcy, which is not the most favorable outcome for either of us. I have difficulty understanding why Lending Club will not budge when my other creditors have been surprisingly cooperative. Is there any kind of help I can get short of bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (ME).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Enhanced Recovery Company , LLC, says that I owe a XXXX bill for {$220.00}. I paid XXXX {$150.00} on XX/XX/XXXX as a " Settled in Full '' Now they are saying and also reporting on my credit report, that I owe an additional {$220.00} and when I called on XX/XX/XXXX, I spoke with XXXX representatives and they are unwilling/unable to assist. I called back in XXXX and disputed it, they said that the documents will be sent to me. I never received them. Called yesterday, they said the documents would be sent and I do n't believe that they will be. 

How can there be XXXX identical {$220.00} bill from ERC representing XXXX? I paid, they are refusing to remove the hit on my credit report. 

Any help would be appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2016 about Debt collection (Medical) with Pendrick Capital Partners Holding, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received ER services while covered medically thru service known as XXXX. A subsidy of XXXX. In XXXX XXXX County. I have told every single person who calls in the past 3yrs I was covered thru wat is known as XXXX, meaning I have no financial resources. I even called XXXX and was told by them to tell those who called demanding payment that I was covered. To call them and they could validate it. But when I did tell those tht called me, they refused to acknowledge this and then hung up. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Reporting inaccurate data on my credit report. A XXXX account is showing up on my report with this company listed as the collection agency, I 've requested debt validation and they refuse to send any validation. This account is not mine, instead they keep renewing the date to show as a new debt and never send me validation of the debt. A police report was filed and sent to them and still nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Struggling to pay mortgage

Complaint: Today  XXXX / XXXX /   17  around  XXXX  police came to my house it 's the last thing bank of america has done to me I make a complaint 2 day ago about his lawyer harassed me now I have police caming to my house they say that bank of america call them and to check what is going in my house and I was doing some kind of fraud at the hospital this is getting out of control I when to the police department and they gave me the same information about bank of america they have all the information of the people that called from bank of america I do n't know what to do I feel scared about bank of america would do to me I make a complaint about they do n't want to help me with my morgage but they keep making me more sick of what I really I 'm they keep harassed me any way they can I have stated that I do n't feel good and I whish it 's not but bank of america make me nervous and scared

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 10/26/2017 about Debt collection (Other debt) with ProCollect, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Company has called and harassed me for years. I never knew it was on my credit until I went to get a Mortgage Loan. I told them it was not my apartment and I submitted my lease addresses from XXXX to show I lived somewhere else. I also sent my driver 's license to show my home addresses. They said the signature matched on the application for apartment and NO ONE ever lived in apartment, but there was a lease signed in my name, so they put on my credit. I would like to reiterate that no one lived in apartment and my wallet was stolen of course they can recreate my signature. They refuse to remove it and they offered me a settlement of {$3000.00}. Them offering me a settlement proves that this is not my debt and they just want money and they are taking advantage of the fact that I need to get this off my credit. Every time I talk to someone they are rude, they talk over me and do n't listen. This is not the only thing that was done to my credit, someone got another apartment in my name and filed taxes under my name and social. I have filed police reports and provided document. This should come off my report because this is not my debt.

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 04-11-2018 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (OR).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: My son attended XXXX XXXX XXXX for less than one quarter. 

The college was to refund unused monies and, either never did or it fell through the cracks. 

We have provided them evidence, and tried to resolve this for nearly three decades. 

ECMC, in a letter dated XX/XX/XXXX, has finally agreed the funds were never refunded by the college, as they should have been in XX/XX/XXXX, but expects me to pay their collection costs, etc, on a debt we never owed. 

This has, in my opinion, been thirty years of government overreach and harassment. 

I ask you to please look into this matter and help resolve this egregious situation. 

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 08/26/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Delinquent account

Complaint: When Bank of America did not receive a payment from me on time, or even 30 days after the payment was due, they did not bother to call, text me or mail any correspondence to me. They were emailing statements to an old email address which I failed to update them with however they had my phone number and my mailing address. I was only made aware of the late payment as Bank of America mailed me a letter after the payment was already 60 days late. This letter advised that my payment was 60 days late and as a result my credit would be adversely affected and that they 've lowered my account balance from {$4500.00} to {$500.00}. 

Upon receipt of this letter I called Bank of America to first off pay my account balance of {$6.00} which was initially due on XXXX/XXXX/14. After I paid the balance I spoke with someone to dispute the lowering of my limit and asked if they could retract or note their reporting to the credit reporting agencies differently so it would n't affect me negatively. Their argument to not calling or mailing anything to me was that I selected paperless statements. I brought up the fact that that any debtee will try all methods possible to reach the debtor and collect that payment. They were of no help, the rep. was very rude and they still have not mailed anything, as they promised, with their answer to my disputeAs a customer of Bank of America, I would think that they 'd want me to receive the best service, that they 'd want me to keep a good standing account with them and that they 'd look out for my best interests. In this case I feel like Bank of America failed me and then they penalized me. All of this was totally avoidable had I updated my email address or remembered that I had charged {$5.00} on my card however in the event I failed on my part, Bank of America should 've called me, texted me or mailed a letter to me as soon as they did n't receive a payment when it was due. Instead they mail me a letter after my payment is already 60 days late. If they were capable of mailing this letter, why could n't they have sent me XXXX 60 days before letting me know the payment was late? There should be a rule to protect the consumers and state that the debtee must try all methods available to them to reach the debtor as soon as the payment is late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have disputed the accounts that are reported by Illinois Department of Family Health. This department constantly reports inaccurate information on my credit report. Due to Illinois Department of Family Health 's failure to report accurately, my rights are being violated under the Fair Credit Reporting Act. 

This is directly affecting my credit report making it impossible to obtain credit. The violations committed against me are : 1. Illinois Department of Family Services supplies false reporting * I have made documented monthly payments for the last 5 years that have not been reported * The agency does n't reflect payments made and marks them as being 120 days late. * Illinois Department of Family Services marks major derogatory marks, even though payments are being made. * Illinois Department of Family Services has changed the the account open date from XX/XX/XXXX to XX/XX/XXXX. 
2. Illinois Department of Family Services does n't respond to disputed information request * I sent a certified mail account dispute letter that was received on XX/XX/XXXX and signed for by an employee. Today is XX/XX/XXXX and Illinois Department of Family Health still has n't responded to my request. This is a duration of 167 days that far exceeds the 30 day requirement by law. After I sent these dispute to both the Illinois Department of Family Services, it seems the agency has retaliated against me by placing these negative marks and changing the account opening date on my credit reports. For the last 5 years I have been paying the required amount that was submitted to my employer. These payments have come directly from my payroll. 

I have disputed this information with XXXX, XXXX, and Experian. All three have failed to follow up and pursue accurate information, even though I have sent paystubs for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX through the month of XX/XX/XXXX. I have included all the documents that have been sent to the credit bureaus and the Illinois Department of Family Services.

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 12-08-2015 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am currently experiencing payment problems with LoanDepot. This company is servicing my mortgage. I have been using my BillPay service at the credit union to pay the loan since XXXX 2015. Everything was fine until XXXX 2015. Starting with the XXXX payment LoanDepot has been rejecting the payments and sending me notifications in the XXXX Mail that my loan is on the brink of foreclosure. My BillPay service does n't understand what is going on either. They are not getting any information from LoanDepot.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: i have tried to shut off autopay on my federal loans but with no success. i recently paid my loans in full but they still took my autopay of {$140.00}. now my loans are over paid but they have n't returned my {$140.00}. i would like my money back with interest. i feel like if i borrow their money and they charge me the ungodly interest that they charge me that if they borrow my money, which they have, i should be able to do the same to them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: For a few years, I have not been able to get Experian to supply my credit report. I 'm not able to pass the verification process for just that report and I presume because of identity theft of some kind.

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 07/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Stellar Recovery, Inc. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Stellar Recovery placed an item on my credit file and on XXXX XXXX, 2016, a validation request was forwarded to Stellar Recovery, since that time, no response has been made regarding the validation of the debt at all. I have since sent correspondence to Stellar Recovery advising that since they failed to supply me with the proper validation items regarding this debt, they must now remove their tradeline from my credit fil

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 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: I have disputed, notified, notarized documents, and sent numerous letters to the following agencies, lenders, loan servicers, default depts, etc. Telling them all THAT THESE LOANS ARE NOT MINE, AND I WANT MY NAME OFF, MY MONEY REFUNDED, AND CREDIT REPORT CORRECTED, AND COLLECYIONS STOPPED. No one LISTENS. I have told : 1. XXXX XXXX XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. AES/PHEAA 6.AES/XXXX 7. XXXX XXXX 8. AES/XXXX XXXX XXXX XXXX 9. AES/XXXX 10. XXXX XXXX XXXX 11. XXXX XXXX XXXX that I paid my PUC student loans off years ago before XX/XX/XXXX, and that my first student loan at XXXX XXXX XXXX I paid off over 25 years ago, so how they could say it went into default in XX/XX/XXXXis absurd. It says paid off on the promissary note they sent me. As well as there 's no way in he -- the Federal government would give me a 2nd student loan if I had a loan that went into default 6 months earlier. They claim # 1 Lon at BBI, Which I got in XX/XX/XXXX, paid off inXX/XX/XXXX, went into default, XX/XX/XXXX, and 6 months later federal government gave me a # 2nd student loan XX/XX/XXXX for PUC. No flipping way would governmention ever do that. Also, and Bank XXXX XXXX confirms they never gave me a student loan, which all these loans were made by XXXX XXXX XXXX. They even showed at one point BBI loan came from XXXX XXXX XXXX too, which it did n't it Came from XXXX XXXX XXXX. Common sense tells you this info is not correct.
No XXXX XXXX XXXX was sold, and is no longer open, but was split and bought by XXXX, and XXXX XXXX.
I have my original loan documents from PUC showing amount of my loans, amd they do n't match the amounts these 11 federal agenvies are claiming that are mine. What do I do to resolve this. They continue to steal my money, I am XXXX, and on a fixed income, and they continue nonetheless. Not to mention their pathetic response to my disputes, is to simply give/sell the loans to someone else.
At one point these loans were in 3 states, 3 different account numbers, at the same time/years, same amounts, and all 3 charging their own additional fees. A XXXX loan is now over 18k, after XXXX  worth of payments they stoled from me. And they are not even mine. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NJ).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Barclaycard Cash Forward credit card advertises online that their online application process is easy and instant approve or deny.  So I applied and immediately got an online message that my application could not be decided upon and I would be contacted by mail in a few weeks.  Today I received a letter in the mail saying they cannot process my request until I send them copies of my drivers license, social security card, and bank statement with name and address. No way to contact them by phone or internet was in the mailing I received. Since those are not documents I am willing to send in the mail or fax, I searched online for their customer service phone number and eventually got through to someone who could tell me what was going on. They said my application was already denied, but could be reconsidered if I send those documents.  But the documents are only identification documents, nothing to do with whether I am deserving of credit. (In fact, I know I have a FICO score of XXXX.)  I told the person I want to withdraw my application but she said I cannot since they already put in the request, I can only wait 30 days to let it expire.  Since I have a very high credit rating, this tells me that their online offers to lure people to apply for credit are fraudulent; presumably all people who do are denied at first. Now I anticipate when I go to apply to a different company, my records will show I have an open application somewhere else which will automatically get me denied. And each denial will lower my credit rating more. And with my high credit rating I should never have gotten any denials.  I asked if there was a different person I could speak to and she told me know, I cannot do anything but mail or fax all those documents.

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 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Adler Wallach & Associates, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: filed Bk in XXXX Contated this company and sent Bk chapter XXXX -sent-Discharge letter they said it would be removed- not the case Case = # XXXX XXXX XXXX XXXX/XXXX/2016 PLEASE HELP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2015 about Consumer Loan (Vehicle loan) with CarMax, Inc. (TX).
Issue: Managing the loan or lease

Complaint: My husband has four years of spotless payments to Carmax with XXXX late payment. Even though we called and explained the issue was due to a problem with the on-line system they refuse to adjust it. This would n't be such a big deal except it 's the ONLY thing on his credit that 's stopping us from qualifying for a home loan with his VA benefits. The car started breaking down about four months in. It has issues with XXXX overheating and despite the fact that we purchased the extended warranty they only paid for about half the repairs ( it still is n't fixed ). I ca n't believe that given our flawless history, our customer loyalty, and the fact that my husband is a XXXX military veteran, Carmax wo n't work with us in any fashion to resolve this issue. I REALLY expected that there would be SOME way we could resolve this, but I have heard from XXXX different reps that there 's nothing they can do, even though I KNOW differently. The initial phone rep I spoke to lied to me saying it was " illegal '' for Carmax to adjust the late pay on his credit, it took them a full week and about XXXX posts to XXXX to even get a call back from anyone.

Company response to consumer: Closed with explanation