milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: When I first learned I was eligible for PSLF in XX/XX/XXXX, I immediately contacted FedLoan Servicing to transfer ALL my federal student loans to FedLoan so I could participate in PSLF. A FedLoan rep talked to me on the phone while I logged onto StudentLoan.gov and made the request. I also signed papers Fed Loan sent me. I clearly stated I no longer wanted any in-school deferment and signed a waiver.
However, FedLoan only transferred and re-consolidated {$94000.00} of my federal student loans. In XX/XX/XXXX I discovered XXXX/XXXX XXXX XXXX still held approximately {$32000.00} in federal student loans. I immediately contact XXXX and FedLoan Servicing to request the loan be transferred to FedLoan and re-consolidated to participate in PSLF. I resumed making payments on those loans in XXXX or XX/XX/XXXX, and have continued making payments to this day.
It took FedLoan seven months ( and over six phone calls and three complaints ) to finally transfer my loans. The loans were transferred XX/XX/XXXX.
Despite filing frequent ECFs, FedLoan has refused to designate any qualifying PSLF payments towards those loans. The first time I called about this, a manager told me she had no idea why those loan payments were not counted towards PSLF. She told me she would start a six month review.
When I called today, a representative told me those loans had been put into an administrative forbearance from XX/XX/XXXX to XX/XX/XXXX, and again in XX/XX/XXXXto XX/XX/XXXX. The loans had not even been transferred to FedLoan at that time, they were still with XXXX. BetweenXX/XX/XXXX and XX/XX/XXXX I made repeated requests to XXXX and FedLoan to transfer the loans and reconsolidate for PSLF. I made payments during the time, worked full time at a qualifying job, and was not in school.
My FedLoan account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Student loan (Federal student loan servicing) with Immediate Credit Recovery (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a US Department of Education loan debt. I 'm forced to use a company called immediate credit recovery to process my collection amount for the period of 11 months so that I can get out of default status and work out a different payment arrangement. I 've had ongoing issues with this company and the Department of Education about my loan. I have been paying the monthly obligation and yet the amount that I 'm paying is not showing on my credit reports as of today XX/XX/17  correctly and on the statements from the Department of Education the amounts are showing past due when they are not past due they are automatically taken out of my account each month. I have proof of all of this. I have contacted the Department of Education they will not help me and I have contacted ICR and they will not help me. Wrong information is being reported on my credit report and information that is inaccurate and money that I 'm paying is not being applied to my account properly.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2016 about Mortgage (FHA mortgage) with BAYVIEW LOAN SERVICING, LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter from Bayview in XXXX stating that I had successfully completed my loan modification program. It detailed that Bayview would be reviewing my monthly payment, interest, escrow and principle amounts and adjust my account accordingly. Then I would be contacted once this process was completed. 

I am unsure what happened internally in regards to closing my loan modification. As I have not received any additional notification from Bayview. My account is currently showing 3 months past due and I am receiving letters from Bayview about financial assistance. I recently received a letter stating that I have been assigned to a specialized team to assist in bringing my loan back on track. 

It stated that I need to contact them for assistance. I have attempted contact 15 or more times. An automated system states that their office is closed. However, I am calling during business hours. 

My loan is not off track ... My payments have been drafted via EFT from my account each month. I have spoken with several associates and supervisors, in an attempt to remedy this issue. I have been told that tasks and requests have been opened to ensure my outstanding payments are applied. 

Bayview is currently holding {$2200.00} in suspense. I have notified Bayview by phone, their online portal and email. I have requested a copy of my payment history and note in an attempt to facilitate a review and correction. In addition, I have notified them that I would file this complaint if these issues are n't resolved. 

In addition to the payment issues. I have requested that my name be updated as I was married in XXXX. I have uploaded the required documents directly to their website as well as emailed them. An associate did confirm that this documentation has been received, my name has still not been corrected. 

I am unsure how to proceed at this point, as there has been no resolution and all numbers I have tried to call have produced a automated response that the office is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.
Also section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
I appreciate your prompt attention to this matter, and await your reply.
Sincerely, XXXX XXXX XXXX

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are XXXX collection accounts on my credit report that I have disputed several times through the credit bureaus, directly with the collection agency and through the Better Business Bureau. Each time it comes back verified but they have failed to provide proper documentation that supports their claim. They are in violation of the Fair Credit Reporting Act by reporting inaccurate information and in violation of the Fair Debt Collection Practices Act by not validating the debt. <P/>The accounts are as follows : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX

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 10/19/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (TN).
Issue: Fraud or scam

Complaint: I got the rush card and still have n't got paid yet it 's been a week and still waiting almost a week. Your your tried calling them they will hang the phone up after 45 min

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/28/2017 about Mortgage (Conventional home mortgage) with 21ST MORTGAGE CORP. (PA).
Issue: Trouble during payment process

Complaint: My mortgage was given  to 21st Mortgage Company, which is a loan servicing agency. My loan went into default and I went through the Court system and Housing Agency to save from foreclosure. I have not received any monthly mort gage statements from this company since  XXXX   XXXX . They change my interest rates ever time I speak to them. T he Housing Authority faxed them letters from me 1. Requesting  permission for them to speak on my behalf an d 2. Re questing monthly mortgage statements to begin again. That was on  XXXX   XXXX ,  XXXX . As of now, no statements received. Their story, as well as people, change ever time I call them. Now I do n't know how much my mortgage payment truly is and where payments have been allocated. I need assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Debt collection (Auto) with Seattle Service Bureau, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I sold my XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did a release of liability online on XX/XX/XXXX. The vehicle was in a hit and run accident on XX/XX/XXXX. DMV had not processed the release of liability by the date of the accident so the Police report shows me as still being the registered owner even though I was not. National Service Bureau , Inc. keeps harassing me with letters trying to make me pay this debt. I have given them the information of the new owner of the vehicle. I have contacted DMV and they are way behind, months, in processing paperwork. I can provide the debt collector with a copy of the new pink slip with the new owners information and the transfer date of XX/XX/XXXX but they will not accept this as proof. It is going to cost me money and time to provide release of liability, which I am willing to do but this debt collection agency is going to keep harassing me until I provide them with the information that they want. The agent I am dealing with will not let me get a word in, he talks very loudly over me and will not listen to a thing I have to say.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2015 about Debt collection (I do not know) with WELLS FARGO & COMPANY (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX/XXXX/XXXX I received a phone call from my payroll department stating that XXXX XXXX XXXX will be receiving a portion of my wages through a garnishment. I filed a complaint with the XXXX against XXXX for garnishing my wages for payment on a debt I have no knowledge of. In my complaint, I asked for the following to verify the debt : 1. Full original account number 2.Date original account opened 3. Any written agreement between myself & the original creditor stating that I agreed to pay the original debt. XXXX. Consumer address at which original account was opened 5. Date of 1st delinquency 6. Itemized calculation of alleged debtI received a response from XXXX 's attorney, XXXX XXXX, on XXXX/XXXX/XXXX stating that he had sent a letter with all of the above requested information, and stated that the debt was a defaulted Credit Card account issued by Wells Fargo Bank , N.A . He stated that the account was opened on XXXX XXXX, XXXX, and was charged off on XXXX XXXX, XXXX with a default balance of {$1500.00}. 

I have several issues with the information provided in his response. 1. As of XXXX/XXXX/XXXX, I still have not received any documentation from XXXX XXXX or XXXX verifying the validity of this debt, as requested in my first correspondence with them, and as was stated by XXXX XXXX was mailed to me. 2. I have never had a credit card account with Wells Fargo Bank , N.A . 3. On XXXX XXXX, XXXX, I was XXXX YEARS OLD, and could not have legally signed a contract or opened a credit card account. ( My wife is also listed jointly on this account, and she would have been XXXX years old at the time it was opened. ) XXXX XXXX/XXXX/XXXX, I responded to XXXX XXXX stating my concerns and again stating I had not received any verification of the debt and therefore, believed the alleged debt to be invalid. At this time, XXXX had received {$800.00} from me, and I requested the money be returned to me and the judgment be dismissed or deemed satisfied. 

On XXXX/XXXX/XXXX, I received a response from XXXX XXXX stating that XXXX believed the debt was mine, and would continue to garnish my wages. He directed me to call XXXX XXXX, an account XXXX, to discuss a resolution that would be satisfactory to both parties. 

To date, XXXX has taken {$1800.00} from my paychecks. In the documentation provided to me by XXXX XXXX, the original debt was {$1500.00}. However, XXXX is garnishing my wages in excess of {$3900.00}. ( As stated by my payroll department. ) I do n't believe this debt is mine, but I am being forced to pay it! 

I do n't believe I can resolve this without help. My first attempt to resolve this through the BBB was unsuccessful. I am hopeful the CFPB has the resources to get to the bottom of this and help me!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (HI).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am a victim of Equifax 's data breach. I am trying to freeze my credit but Equifax can not process my freeze.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Struggling to pay mortgage

Complaint: before the XX/XX/XXXXdue date as well as the second payment was sent before the XX/XX/XXXX deadline. On XX/XX/XXXX XXXX XXXX XXXX XXXX filed a mortgage foreclosure on XXXX XXXX XXXX 
Ocwen portryed they could assit me. Instead left me homeless and short on funds. 
Ocwen also retained Insurance proceeds which were due me for 4 years. They had just released the funds XX/XX/XXXX. 

Ocwen purchased XXXX XXXX back in XX/XX/XXXX. However XXXX XXXX XXXX initiated and completed foreclosure on XX/XX/XXXX. They also received a default judgement on XX/XX/XXXX. ( At his time I was in a XXXX XXXX XXXX and eventually XXXX XXXX XXXX XXXX XXXX ). 

Ocwen Loan Servicing has also been repoting incorrect information to the credit beaureaus since XX/XX/XXXX until present. A I have never understood how Ocwen Loan Servicing could purchase my previous lender XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. was able to foreclose. This does not seem fraudlent to me. I am very interested in getting my home back to my ownership if at prayerfully possible. 

I have attached paperwork and cases

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NJ).
Issue: Rewards

Complaint: I signed up for XXXX XXXX XXXX card with a signup bonus of XXXX Membership Rewards after {$1000.00} spend in 3 months. I completed my spend on XXXX XXXX. I was supposed to get the bonus points XXXX weeks after. Never received the bonus. Contacted Customer support on multiple occasions who confirmed the offer and confirmed that I have completed the offer terms and told me that the bonus should be awarded shortly - yet the bonus has still not been received. I am extremely disappointed with how this matter has been handled. I expect XXXX XXXX to honor the offer terms without any further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/30/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  Has placed a collection account on my   XXXX   report in the amount of {$600.00}. I received no notice that this was going to be placed on my report. This was done  XXXX   XXXX ,  2017 .

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Mortgage (Conventional fixed mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Company increased my mortgage payment for escrow shortage. Claim they sent a notice although I did not receive it. My auto-bill payment account completed an on-time payment using the old amount ( {$55.00} short of new payment ), after which i received a letter stating no payment was received. I was charged a {$25.00} late fee that the company would not reverse. At present, the company is still holding my payment without applying to my account, stating they can not apply until full payment is received. This does not seem like proper accounting practice.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX and Transunion reported that my XX/XX/XXXX payment on my XXXX XXXX XXXX lease for a black XX/XX/XXXX XXXX was 30-60 days late. The attached shows that I do not have a payment due until XXXX XXXX and that I paid the payment due XXXX on XX/XX/XXXX, the payment due on XXXX was paid on XX/XX/XXXX, the payment due on XXXX was paid on XX/XX/XXXX and the payment due on XXXX was paid on XX/XX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2016 about Credit card () with BARCLAYS BANK DELAWARE (LA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This company is still reporting a account on my file after i been notified that i have been a victim of identity theft and that i have all the necessary paperwork filed and police reports to support my claim. I 'm in the process of getting a mortgage and this account is hurting me and it is being listed as bankruptcy. I also have a fraudulent bankruptcy filing that I 'm working with the courts and the government to get that issue rectified. I have been dealing with this issue for years now with all my personal information being stolen such as social security number, address, DOB, phone numbers opened under my name and bank accounts opened under my name. I request this company remove my name and social from this account immediately and mark it as fraud so if i choose to do business with this company in the future this issue wo n't stop me. I have attached my police reports and FTC fraud identity theft affidavit which has a letter from the government showing that my identity was stolen in a cyber hack also.

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 02-07-2016 about Debt collection (Medical) with GLA Collection Company, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: was never notified of this debt ... .had services at XXXX with financial help from hospital XXXX XXXX XXXX thru social worker payments were made by med assist went to clinic because of no income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Mortgage (Other mortgage) with Ditech Financial LLC (NC).
Issue: Settlement process and costs

Complaint: On XXXX XXXX, 2015, I was scheduled to close on my primary residence home located at XXXX XXXX XXXX, XXXX, NC, as the home is scheduled for a foreclosure sale in XXXX. XXXX XXXX and I signed a purchase agreement for {$100000.00} for this property. The sale proceeds would have paid off my XXXX lien of {$84000.00}, and there would have been {$20000.00} remaining to pay off my XXXX lien. On XXXX XXXX, 2015, GreenTree, LLC verbally informed me that the would accept the remaining funds through short sale to pay off the XXXX lien loan, and take the charge off my credit. I faxed them all documents to complete the short sale transaction. GreenTree did not complete the documentation required for the closing. From XXXX XXXX, 2015 to XXXX XXXX, 2015, myself and the closing attorney 's requests, XXXX, XXXX XXXX XXXX, XXXX called them over XXXX times to complete the transaction. I personally, eft over XXXX messages for them to contact me and the closing attorneys to complete the transaction. DUE TO THEIR NON RESPONSE, THE BUYER WALKED AWAY FROM THE SALE and my home is NOW going to be sold in foreclosure in XXXX 2015. I AM LIVID AND DISGUSTED THAT THIS COMPANY WILLFULLY OBSTRUCTED AND PREVENTED ME FROM SELLING MY HOME. I am entitled to damages. Specifically, request that Green Tree forgive my loan with them and take it off my credit report, and pay off the first lien to XXXX. As such, I am requesting that this agency investigate this matter as Green Tree has violated all consumer mortgage servicing laws.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Student loan (Non-federal student loan) with AES/PHEAA (AL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been on XXXX since XX/XX/XXXX. Firstly, XXXX XXXX XXXX XXXX AES ) has my out of school date as XX/XX/XXXX on its statement which is incorrect. The out of school date should be XX/XX/XXXX. Secondly, my loans came out of forbearance XX/XX/XXXX and I have been making a payment every since ; however just discovered AES has been charging me a {$15.00} late fee when my loan has not been late XXXX days. My XXXX direct deposit does not hit the bank until around the XXXX of each month. The AES due date is the XXXX of the month, and I just discovered that the student can request a due date change. Why did not AES mention this due date change to a XXXX student? I discussed my situation with an AES rep several times. Payments on the XXXX loans are {$37.00} each, and AES has assessed XXXX late fees of {$130.00} to my account. XXXX attached statements of XXXX loans that started out as {$3000.00} loans and are not up to {$5100.00} each. Also, attached is the payment history that shows the late fees. I want these late fees reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX XXXX XXXX XXXX is reporting wrong information to my credit report. XXXX XXXX XXXX XXXX XXXX needs to delete the wrong information on my credit report.

Company response to consumer: Closed with explanation