milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I am submitting this dispute in reference to a call that I made onXX/XX/XXXX. I do not know the exact amount because I have not had any contact with the company involved, FEDLOAN Servicing for about three or four months. They have a delinquent report from XX/XX/XXXX that is really negatively impacting my credit score and preventing me from buying a house. I have been working with them for several months on my loans and they were aware that because of some medical issues that I was unable to work or pay my loans back. They had been putting me on deferment fot the last probably 12 to 15 months to allow me to recover and go back to work. I have been trying to buy a house and in that process I found out that this had been reported delinquent in XXXX. I called them on Monday, XX/XX/XXXXand they said I had been under deferment since XXXX and XXXX which they said covered that and it should not have been reported delinquent. Also, according to the representative I spoke with it showed where I reach out to them in XXXX to check on why they were not contacting me or mailing me anything. I, also, was checking on my deferment Staub and they updated it and said they would remove the delinquent report from XXXX, but, it is still reporting even though I am on deferment and the companies representatives told me it would be removed because it was covered under my deferment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have contacted all 3 bureaus in regards to inaccurate public information being reported. They are reporting a Bankruptcy and IRS XXXX which are not mine. I have sent numerous letters and made numerous phone calls to no avail. 

Here are the following dates in which these XXXX items have been addressed : 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 08/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for a loan modification with Ocwen Loan Servicing on XXXX/XXXX/XXXX after receiving a notice from Ocwen that my payment was going to increase 80 % effective XXXX! The initial response from Ocwen was a request for additional supporting documentation. I complied with the requests and each time I submitted documentation we scheduled a meeting with a relationship manager which was typically scheduled 3 weeks from each contact. By XXXX/XXXX/XXXX the meetings with my Relationship Manager ( of which I have had 3 separate individuals instead of a single point of contact ) became petty. In this particular meeting he asked me to complete the XXXX form by adding " XXXX '' in the blank space. I advised him my XXXX tax return has been extended and I had already provided documentation of such about 30 days prior. On XXXX/XXXX/XXXX I was advised a specific section of the application only had my first and last name. I was asked to insert my middle name and resubmit. My file was then bumped out 3 weeks for my next meeting with the relationship manager. My most recent meeting which occurred on XXXX/XXXX/XXXX and was with a XXXX Relationship Manager. She was not familiar with my file and began to ask me why my application had been pending since XXXX. She placed me on hold XXXX separate times in order to familiarize herself with my account but by the end of the call she said all of my documents are older than 90 days and therefore I will need to start over by submitting a new application. I attempted to explain to her that I have submitted the same documents on multiple occasions and had it not been for the 3 week delays every time I submitted a document then the application would never have taken so long. My mortgage is still scheduled to increase by 80 % on XXXX/XXXX/XXXX and I am under the impression my application was intentionally delayed in order to capitalize on my increased payment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Debt collection (Auto debt) with BB&T CORPORATION (IL).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: I obtained a loan with XXXX XXXX XXXX XXXX for a vehicle that has now since been totaled. After the vehicle was totaled I was left with a balance. I have been paying on the balance until recently I have experienced a loss of hours at work. I acknowledge the fact that a balance is owed. Roughly {$810.00}. Since XXXX 2017, At least 5 days a week I begin receiving call from this company starting at XXXX XXXX. and at least 10+ calls a day from them. The constant calling still has not produced extra hours nor generated income to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Debt collection (Medical debt) with Accounts Research, Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a collection notice from a third party debt collector regarding debt from an XXXX  XXXX clinic in which I had never been a patient. I called to let the collector know that the debt was not mine, and the agent tried to extract information about other people in my household. I refused to give the agent information about another individual, and he disconnected. I called back to reaffirm the fact that I did not owe the debt. The agent again tried to extract information from me about another member of the household. I refused to give the agent this information again, and he disconnected the call. The debt has now appeared on my credit report, and caused it to fall some 32 points. I do not owe this debt, nor should I be expected to act as a liaison between a collection agent and another member of my household.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: This account is being reported as delinquent since the bankruptcy in XXXX. I pay this account religiously " every month ''. 
I am also not able to receive credit score because the monthly payments are not being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Debt collection (I do not know) with R J Baucum Enterprises, Inc. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A representative from ESA ( XXXX XXXX ) continues to contact me at my home and mobile in regards to a debt that they have failed to verify. They are stating that they will arrest me and take other legal proceedings. I am assuming that they fail to verify this debt because they is no verifiable debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Debt collection (Other debt) with HCFS Health Care Financial Services, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Unknown collection listed, no validation ever received, inaccurate information and needs to be removed. I do not owe such an amount nor have ever done business with this company

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 05/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Eastern Account Systems of Connecticut, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2015 I requested proof of debt, under FDCPA, 15 USC 1692g Sec. 809 ( b ) that my claim is disputed and validation is requested. 

What I got from Eastern Account System Inc. was a computerized generated print out. This is not valid proof. 

See attached leeter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Mortgage (Conventional fixed mortgage) with 21ST MORTGAGE CORP. (FL).
Issue: Settlement process and costs

Complaint: i have requested tax documents from company several times per my request they state it will be sent and todays date is XXXX/XXXX/16 and this information is still not available to me. Thus I am unable to filetax return adn deadline is fast approaching.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Prepaid card (Government benefit payment card) with Comerica (MS).
Issue: Unauthorized transactions/trans. issues

Complaint: My complaint is with Direct Express, the card used by the government to issue Social Security XXXX benefits. On XX/XX/2017, a deposit of {$910.00} was placed on the card. Around XXXX, I checked my balance, only to see {$17.00} available on the card. I made several attempts to call Direct Express. After about 3 hours and multiple attempts ( the call " dropped '' several times while I was holding ), the phone was answered by a customer service rep who informed me that there were several ATM transactions made in XXXX, totaling {$900.00}. There was also a {$2.00} transaction in which the 'card ' was swiped ( also made in XXXX ). 
I live in Mississippi. I have never been to Florida. I 'm currently in XXXX visiting relatives. 

I informed them that I did not complete or authorize these transactions and that I was a victim of identity theft. Direct Express canceled my card and will be sending a new card. I asked what I needed to do to get my funds added back to my account. I was told that I would have to wait 3-5 business days to receive the fraud forms in the mail. Once the forms are completed filled out and returned to them, an investigation would be started. In the meantime, I do not have money to pay my bills ( mortgage, water, electric ) or get back home. This is my first time in Maryland and I do not want to ask my relatives for money since I do n't know when/if I will be able to pay them back. 

This XXXX check is my only source of income.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/24/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have been in contact with Equifax for the past 2 weeks in regards to accessing my credit report. My bank, as well as myself am unable to pull the Equifax file and I am also unable to access my personal credit report through my paid monitoring service. I was informed that it is due to too many soft inquiries and was informed " nothing could be done ''. This is completely unacceptable. I need these soft inquiries purged in order to be able to access my report. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (OR).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: XXXX previously agreed to settle account in the amount of {$200.00} and at no time during the correspondence did XXXX state that it would be sent to collections or that I would have to pay collections. The settlement stemmed from overbilling, misquoting prices on plan, cramming of charges. I filed my complaint with XXXX DOJ and the agent was involved from the beginning to the settlement of {$200.00}. XXXX XXXX, Executive Services Analyst of XXXX failed to respond to my last XXXX requests how she now stated the collection agency when we had corresponded for the last few months. I believe that XXXX is attempting to harass me due to their inadequate collection tactics, improper error in pricing and the cramming of unauthorized charges to accounts. Due to the failure of XXXX to respond, I would like to pursue this matter further.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Bank account or service (Checking account) with FIRST CITIZENS BANCSHARES, INC. (NC).
Issue: Making/receiving payments, sending money

Complaint: In XXXX 2015 I used my First Citizens online bill pay service to pay several bills. First Citizens returned the bills as unpayable, even though I had more than enough money in my account to pay them. I have made repeated phone calls to correct this, and was told something different each time. Each time I was assured that the problem was resolved and the creditors were paid. I am now getting collection notices from XXXX of the creditors, as well as late fees and damage to my credit report. 

I am attaching my First Citizens bank statement for that month to show a balance of over {$20000.00}, as well as the notice from XXXX of the creditors stating that my bank had denied payment.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Consumer Loan (Installment loan) with STERLING JEWELERS, INC. (NY).
Issue: Managing the loan or lease

Complaint: I took out a loan for a ring that I purchased through the store and was making the proper payments on a monthly basis. I calculated how much I had owed and got it down to the last month. When I called in to the store I asked if it was the last payment and how much more I owed. I was told that everything was paid off and that nothing more would be owed. Months later I receive a phone call notifying me that I still owed {$7.00} from my previous account and due to the interest I now owed {$110.00} on top of that. I explained to the company that I had been told that my account was paid off when I last spoke to the store and they fixed the issue. They removed the interest that I owed and I settled the payment of the {$7.00} that I apparently owed despite being told previously that I had settled all payments months prior. However it is reflecting on my credit score now by dropping it XXXX points in one month.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX, XXXX XXXX XXXX and Discover Card has continued to report fraudulent information on my credit file. I have filed several disputes throughout the years with these companies but there never is a positive outcome. They have continue to report this fraudulent information on my credit file even though Ive given them a police reports showing that Im a fraud victim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-04-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Other fee

Complaint: Hi, I had a balance transfer off from Bank of America, and the promotion ended around XXXX / XXXX. I called into customer customer back in XXXX, and I was informed by a Bank of America associate that as long as I pay my credit card bill in full on the due date in XXXX, and I would have avoided any interest fees. I then scheduled a full payment for XXXX. 

I called after the payment was made in XXXX, just to make sure that the account has been paid off in full and that I do n't owe anything. However, the second representative then told me that I would be charged interest fees, because the promotion has already ended back in XXXX. He went through the notes of my last conversation with the previous representative, and then offered to have the interest fees waived. However, he said I have to call back in 3 days after the statement is posted, because he can not waive a fee that has yet to be charged. 

So I called back in 3 days, and I spoke to another representative. He went through the notes of the conversations with the past XXXX representatives, and then said the interest fee would be waived in 2-3 days once it is processed, and that my balance will be XXXX, and I do not have to worry about anything else. 

However, it has been almost a month since then, and when I logged into Bank of America website just to double check, I noticed that the interest charge of {$140.00} is still on the account, and that payment was due in 3 days for that amount. If I had not checked out of precaution, I would have been charged a late fee and had my credit history adversely affected, on top of additional interest fees on this interest charge. 

I called Bank of America again, and the last representative said she could not do anything about it other than to file another request. I spoke to a manager eventually, and she refused to review it and insisted that the fee is the final determination, and that the only way for me to resolve the issue is to pay the interest fee. 

I have been given different and very misleading information time after time by Bank of America. This is very shady. Had the first representative that I spoke to told me about the correct date to pay in order to avoid interests, I would have scheduled the payment for that date. I have had the balance in my checking account ready to pay it off since XXXX, but I figured I could wait till end of the promotion. However, I am now led to believe that Bank of America had intentionally given me wrong information just so that they are able to charge me interest fees. 
I hope that this complaint will be able to help me address this injustice. 

Thank you so much.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: There are several credit card accounts on my credit report that do not belong to me. Based off of my credit report, it says that I am an authorized user on XXXX credit cards that do not belong to me. 

XXXX/XXXX/XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LOBEL FINANCIAL CORPORATION (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Credit report show s three late p ayments of which did not appear on my credit report until after the vehicle was refinanced through a different company even though it was not showing on my credit report even when the vehicle was still under finance with Lobel financial

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with fraud alerts or security freezes

Complaint: Attempted to freeze credit report w/TransUnion via XXXX XXXX XXXX  Learned that, to do so, I need to have/create an account. Clicked " Do I already have an account? '' link & learned that since I had previously filed a Fraud Alert, I already have an account. Do n't know logon info so clicked 'forgot username/password ' link & landed here : XXXX XXXX XXXX  This page asks for SSN ( x2 ) +last name. Input info & got error mssg that the SSN I input was invalid so I wound up attempting to input multiple more times before this page popped up : XXXX XXXX XXXX  ... which has a blatant typo/improper grammar. Tried to reach a person at TransUnion to get help freezing credit report & learn if I was just scammed by a fake page but could reach nobody. 

So, I think a scammer just got my name & SSN by spoofing ( is that the term? ) TransUnion 's credit freeze page.

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 03/27/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have been trying since 2015 to get navient corportation to update the credit bureaus showing my loan was paid in full early and they continue to report that I owe over 10,000.00 and that the payments are either unknown or report nothing to all XXXX bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: my complaint is regarding few late payments that credit bureau agencies are reporting, on few of my credit cards, which i have never been late, i have mentioned that it ought to be a banking error or a mistake through creditors end, but absolutely not my mistake. please help me to proof this absolute inaccuracy to them. they need remove this inaccurate delinquencies from my credit reporting agencies, such as XXXX XXXX and transunion.

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 05-10-2016 about Debt collection (Credit card) with Pressler & Pressler, LLP (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: My funds at my Bank account was taken out without my permission. 
A signature was forged. It was not my own. I never got a letter or a email. I never agreed on that withdrawal at th time. 
This was on XX/XX/2015. For the sums of {$4300.00}. Dlb the amount that is owed. 

I called the dept collection agency, I had to agree to pay {$2100.00}. So that they can release the rest of my money back to my bank account. Seem to be the only way. This was yesterday Now my conditional money that was to be released, has not been obseved. The bank or the dept agency does not know where its at. 

Yesterday i was told that by the dept agency that they needed a signature fax over in order to release the rest of my money. Today the money isnt there. The bank dont have it nor the dept collector.

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