milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/16/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had my federal student loans at multiple places, ACH and FedLoan, and applied to have it consolidated, to FedLoan. During the consolidate however ACH decided that they to sell my loan, to XXXX. FedLoan never bothered to verify that information was still accurate after they completed their process before they sent the money. FedLoan is now charging me for the new consolidated loan even thought the original loan still exists. ACH has now been paid twice for the same loan they claim to have sent the money to XXXX however XXXX claims to never have recieved it, even though it has been over a month, and is continuing to charge me for the loan. I have spoken to customer service at each company multiple times and all they do is tell me to call the other companies. Having the loans duplicated is hurting my credit and having to pay the same loan twice is straining my budget. Even if I eventually get this worked out and get reimbursed the money I am paying to the principal, I doubt I will ever get back the payments I am making to the interest. Right now everyone is making money off of me and I end up with double the debt and having to pay the same loan twice, and the longer this goes on the more it is costing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent a dispute on XXXX XXXX. On XXXX XXXX ( 36 days later ) I received an investigation letter showing the info disputed was updated. The information was still inaccurate. On XXXX XXXX I sent a letter telling them it was inaccurate and for them to please remove the disputed accounts for non-compliance. 

I have detailed records of all my letters along with certified postage and return receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Mortgage (Conventional home mortgage) with QUICKEN LOANS, INC. (IL).
Issue: Trouble during payment process

Complaint: Quicken loans continues to call my job directly to my manager XXXX XXXX. She has consistently asked that they remove her number of XXXX. They told her it is not her but someone in the office. She asked they who it was, but they would not tell her.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (PA).
Issue: Taking out the loan or lease

Complaint: I gave a cash down payment and a Nissan Altima as a down payment for a BMW 525xi. Westlake Financial Services and the dealership i obtained the BMW/loan from, both falsified the loan documents by only including my cash payment apart of the deal. Essentially stealing my traded in vehicle. With the creation of the loan, the warranty was set up. After expressing 2 months after getting car that the vehicle is inoperable and about the loan, Westlake declined to assist with correction of loan documents. In XXXX XXXX, Westlake Financial even denied receiving a {$350.00} payment and is still missing. Also after I decided to stop paying the payment due to the shady payment system, repairs needed for vehicle, and falsified loan documents, Westlake then repossessed my vehicle in XXXX XXXX. After repossessing my car prematurely, it is now XXXX XXXX, my credit report still has no update on the correct number of missed payments nor have they taken the value of the car from my owed balance on the credit report. So at this time, i have had XXXX vehicles taken from me by this company. Westlake Financial Services employees has been more than rude, nasty and unprofessional and needs to be shut down. The business they do is completely unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: i Sent certified letters with the return receipt over the past 3 months and the credit bureau refused to correct my account

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: EOS CCA is attempting to collect a debt that they purchased from XXXX XXXX XXXX in 2012. I 've disputed this bill twice through XXXX. I assert this is not my bill. They also do not recognize this as a violation of the state of Louisiana statute of limitations on phone service collection of 3 years. They assert that this falls under the 10 year contract statute. I 've contacted XXXX and they do not have a contract with my signature. I would like EOS CCA to cease and desist and remove this collection attempt from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Debt collection (Other debt) with CBA of GA, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter dated  XXXX   XXXX ,   XXXX   and attempted to collect {$110.00} which I do not owe.     I have already paid {$59.00} for  XXXX  sessions and the company is trying to rip me off by charging me {$110.00} for the service they never provided.     I have mailed in cancellation notice to   XXXX   XXXX  s on  XXXX   XXXX ,   XXXX   so they are not authorized to charge me the service that I never agreed and they also never provided the service for the amount they are trying to collect.     I belive this is a fraulent billing tactics after I cancelled the membership.

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 10-11-2017 about Debt collection (I do not know) with Navient Solutions, LLC. (TX).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX - caller ID XXXX - does not display as Municipal Services Bureau , violates ; *use the telephone to harass debtors by calling anonymously or making repeated or continuous calls *using a false name or identification ; Sec. 392.302-causing a telephone to ring repeatedly or continuously, or making repeated or continuous telephone calls, with the intent to harass a person at the called number. 
805-a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (LA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I was improperly directed borrowers into forbearance when these borrowers otherwise might have qualified for income-driven repayment plans, and did not adequately keep borrowers in income-driven plans informed of deadlines to maintain their eligibility under such plans. I stated .working onXX/XX/XXXX-XX/XX/XXXXfor XXXX XXXX XXXX XXXX XXXX in XXXX , XXXX in the XXXX XXXX Division as a XXXX XXXX, I moved back to XXXX and gain employment with XXXX XXXX XXXX XXXX as a XXXX XXXX XXXX on XX/XX/XXXX-XX/XX/XXXX.  I am currently employed as a XXXX XXXX XXXX at XXXX XXXX XXXX from XX/XX/XXXX to date. If I had been advise currently I would have had at least 90 payments credited toward my loans. I work as a XXXX XXXX XXXXXXXX serving XXXX XXXX XXXX and XXXX XXXX. My salary has never been more than 34,000 per year with a family size of XXXX or more.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (MI).
Issue: Deposits and withdrawals

Complaint: Huntington bank has been offering money to open a checking account. I opened an account online with them and linked my Credit Union account after they verified XXXX deposits and XXXX withdraw. I then sent {$1200.00} to my new Huntington account to meet their requirements. After they withdrew the money from my Credit Union, they did not deposit it into my new account, now the money is missing ... it is in neither account. They tell me three days before anything happens. This is a ruse ... where is my money? How many others are they doing this too and using patrons money in a slush fund. This is XX/XX/2017 and transfers are immediate, where is my money? I have been at my credit union for over 30 years and my credit score is over XXXX. Why is Huntington bank doing this to me?

Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: Transunion is still reporting inaccurate information on my credit report XXXX XXXX XXXX account was to be deleted along with XXXX XXXX/XXXX should have been deleted. I have been disputing this for months now and it was verified from another credit reporting agency to delete the information. Transunion should have received the same response. They just keep updating the information. This is probably my 10th complaint about transunion. It is ruining my credit score. Transunion also is not reporting a new account that I opened recently XXXX with a {$500.00} credit line. I used the card up to {$410.00} then paid the card in full to a XXXX balance. I contacted XXXX and was told they report each month to the credit bureau. I have 2 accounts now with XXXX and stills the new account is not reporting. Paying this card off to a XXXX balance should help my credit score. I contacted transunion and got nowhere. I am submitting this complaint in hopes they will finally delete like the other credit beurou did. They are ruining my credit worthiness.

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 08-08-2017 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (NV).
Issue: Trouble during payment process

Complaint: On XX/XX/XXXX I received a notice on my door advising I was going to be forced out of my home in 5 days ( letter was dated XX/XX/XXXX ) due to delinquent taxes not being paid. I called my Mortgage company on XX/XX/XXXX when they first opened to find out why they had not been paying my taxes out of my escrow. They coukd not explain why and said they needed the tax department to advise me and that someone would call me back. I never heard from anyone that say, so the bext say I went to the county tax department and discovered I was {$4500.00} delinquent on property tax and that the mortgage company hadnt paid my taxes in 3 years and that I had 3 days to pay in cash or I woukd be removed from my home! I called back to the mortgage company that day and asked to soeak to the tax department and they would not let me and again told me someone would call back. I waited that day and no one called! I called back to the mortgage company on XX/XX/XXXX and told them I coukd not wait any longer for them to do something because I was getting kicked out of my home in less that 48 hours. The Customer service rep advised me I coukd just pay the taxes if I coukdnt wait and they would reimburse me. So I took all of my savings and bill money and paid the county in cash to stop my hone from being confiscated. Since that date Ive made weekly calls to the mortgage company to seek the reimbursement they promised me and Ive been unsuccessful with speaking with anyone in the tax department or getting a supervisor to call me back. Finally after numerous attempts I was able to speak directly with a supervisor XXXX on XX/XX/XXXX. She advised me she was going to contact the tax department about the XXXX reimbursement and get back with me. On XX/XX/XXXX she advised me the tax department was not going to reimburse me for the delinquent taxes I paid because it shoukd have come out of my escrow and that they woukd only consider reimbursing me for the amount I paid in penalties and interest in the amount of {$1400.00}. On XX/XX/XXXX XXXX advised me I would only be getting {$900.00} instead of {$1400.00} because they could not verify a breakdown of what I paid even though I sent then ( on numerous occasions ) copies of the certificate of sale and certificate of redemption for what I paid, and it was all signed by the county clerk. So now Im reaching out to you all for some help! The Mortgage company ( Pacific Union Financial ) to daye has still been unable to twll me why they were not paying my taxes or how this all will be resolved.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ECMC Group, Inc. (LA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX has re added ECMC back to my account when it was removed. It is illegal to re add an item after it has been removed. I took screen shots of this and will provide if needed

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 07/23/2017 about Vehicle loan or lease (Lease) with ALLY FINANCIAL INC. (NJ).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint: On XXXX XXXX, 2017, Ally Financial had my vehicle repossessed since the vehicles lease was matured ( ended ). They did not give the customer any notification of this as they failed to contact the customer in regards to his post-lease options such as financing and or extending the lease.

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 01/16/2017 about Debt collection (Payday loan) with HSBC NORTH AMERICA HOLDINGS INC. (MI).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Recieved a telephone call ( voice mail ) stating that they have attempted to send a summons to our home regarding an upcoming court date. Failure to respond could result in a bench warrant ( I have the audio of the voice message saved ). 

On calling the number given XXXX They claim to be the XXXX and this is in reference to a debt from XX/XX/XXXX with XXXX ( XXXX ). They stated the account was charged off in XX/XX/XXXX and then further claim I made single payment in XX/XX/XXXX ( which i did not ) This is obvious reaging of a deb and an illegal attempt to collect.

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 Experian Information Solutions Inc. (TN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: XXXX, XXXX, Experian : While I opted into use these services ( by way of signing up for credit lines ), I really had no choice. There has now been a data breach caused by their ineptitude, where my details are now for sale on the XXXX market, and yet I am expected to PAY to freeze my credit and protect myself. 

I could not reasonably avoid sharing my data with these companies, but I 'm expected to pay to protect the data they took from me and lost?

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 09/20/2016 about Debt collection (Medical) with Credence Resource Management, LLC (CT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company is calling about a bill from 2 years ago ... I explained that I need to see the bill and that I do n't even remember the service i.e. ; ambulance ride ... After telling them I need a copy of the bill in question they would n't comply ... I 'm sure this is a scam and I told them so

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 Mortgage (Conventional fixed mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I requested a copy of my mortgage note from HSBC on XXXX XXXX, XXXX and I have not received the documents yet it has been nearly 2months now. HSBC acquired the mortgage XXXX/XXXX/XXXX and I have paid on time for 12 years. I am seeking assistance from HomeSafe Georgia because I lost my job 10 months ago and due to my age etc. I have yet to get an interview after working 17 years as a contractor to the Centers for Disease Control and Prevention. I need a copy of the note that is required to complete my application. HSBC has not been of any assistance and is using stall tactics to get my home so they can sell for a profit. HSBC purposely has enormous wait times to speak with someone who is not helpful and then badgers you for a next payment date. I am asking for help to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Payday loan, title loan, or personal loan (Installment loan) with Oportun Financial Corporation (CA).
Issue: Struggling to pay your loan

Complaint: I have repeatedly told the company over the phone when making a payment that when I first applied for the loan, I was getting paid weekly but then I got hired thru the company and I get paid bi weekly now and that it is hard for me to make the payments when I said I was. Company has been calling other people that where not on my reference list to get in contact with them and if I am available. One representative called me and started screaming at me over the phone. When I told them to let me speak to a supervisor he hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/31/2017 about Debt collection (I do not know) with Global Credit & Collection Corporation (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My mother and I have been receiving repeated phone calls from a debt collection agency.     When they first called me, they were looking for my mother. Then they called her and told her they were looking for me. When I called them, they wanted me to provide my social security number and date of birth, which I refused to do.     They claim that there 's a " personal business matter '' that they can not discuss without my divulging the personal information.     The company is calle d Global Credit  and Collections. They called from  XXXX .  <P/> My credit is clean. No collector should be contacting me about any debts.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2016 about Credit card () with BARCLAYS BANK DELAWARE (AZ).
Issue: Transaction issue

Complaint: I closed my Barclay 's Bank XXXX in XXXX of XXXX. In XXXX XXXX they permitted a recurring charge to post to this closed account. I have refused to pay the charged amount on the simple premise that the day I closed the account was the day I no longer was in agreement with the terms of service. Since I am no longer in agreement with the term of service, I am under no obligation to pay a change that was permitted to post 6 months after account closure. Barclay 's failure to rectify their mistake has now escalated to the credit reporting agencies and is impacting my previously pristine credit rating.

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 monetary relief
Consumer complaint received 02/17/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My dispute is with Equifax. I have a public record on my credit report that is mine but it shows as XXXX separate public records when there should only be XXXX. A duplicate. I disputed and their findings was that it was mine. I then called them and explained that my dispute was not whether it was mine or not but that it is a duplicate with the same case number, amount, etc ... that shows as XXXX different public records. The person I spoke with told me he would file another dispute on just XXXX of them and put in that it was a duplicate and gave me this dispute number XXXX. Within a few days the results from that is that it is mine and they ignore that both of my disputes is that it is a duplicate showing as XXXX different public records when there is only XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I sent a letter to the credit bureau with my disputes on it. I INCLUDED ALL THE IDENTIFICATION THEY ASKED FOR. They sent me a letter saying my identification information is wrong. I will attach exactly what I sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this compliant this because Equifax has ignored my request to provide me the documents that thier company has on file that was used to verify theses accounts, Being that they have gone past the 30 day mark and can not verify these accounts. under section 611 ( 5 ) ( A ) of the FCRA- they are required to promptly delete all information which not can not be verified that have disputed. Please reslove this matter as soon as possible. Thank you

Company response to consumer: Closed with explanation