milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/19/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have a number of loans serviced b y PHEAA. I also h ave a number of consolidated loans serviced by  XXXX   XXXX . I am currently paying, on-time, income-based repayments to the consolidated loans serviced by  XXXX   XXXX . I have been unable to get PHEAA to create an income-based repayment plan for the loans serviced by them, and so I have spent the past 6 months wasting deferment, which should be used only in cases of emergency, and not for staving off the ill-effects of PHEAA incompetence.     6 months ago, I submitte d IBR  requests via   XXXX   The request sent to  XXXX   XXXX  was processed immediately, and I began making on-time payments. Because this was my first time making loan payments, I assumed that I had everything squared away. 2 months later, however,  PHEAA  informs me that I am behind on payments.     As it turns out ( and according to a CSR fro m PHEAA with  whom I discussed this matter ), at the time that I submitt ed my IBR requests, PHEAA was not accepting online IBR requests f rom  XXXX . PHEAA did not inform me of this, and so I was unaware, at the time, that the request had not been processed.     For the past 4 months, I have submitted complete forms and supporting materials  to PHEAA to attempt to create an IBR plan. Over these 4 months, PHEAA has had a number of failures : Thei r website would not pull from federal IRS forms, their online uploading system has been down, their auditors have failed to comprehend even the most clear documentation of income, In those 4 months, I have never had anywhere near the income to pay the required payment, absent an  IBR plan. This means I have had to use my precious little deferment while dealing with constant delays and failures on the part of PHEAA. Not only that, interest has been accruing on accounts that should have begun receiving payment, had PHEAA processed, in a timely or accurate manner, any of the numerous IBR plan requests I have sent them in that time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-05-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (NM).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Submission of my Income Based Repayment application was delayed with no current resolution. Temporary forbearance " solution '' caused my interest to be capitalized.

Company public response: Company believes it acted appropriately as authorized by contract or law
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 Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XX/XX/2017, I was significantly affected by Hurricane Harvey. This tragedy left my family and me homeless for a month and a half and during the majority of the time, I had no access to a phone, Internet, or other communication sources. Additionally, I lost my job due to the hurricane and was unable to make payments on some of my credit card accounts. I was unable to reach out to companies as I didn't have the means to do so and, frankly, it was not a priority of mine. Knowing that I was affected by the hurricane, these companies still reported late payments on my account, which I feel to be disrespectful as I was going through a struggle. 

After I was able to move back home, I got a job and was able to start making payments on my accounts. In XX/XX/2017, I sent  goodwill letters to companies explaining my situation. The majority of them did not agree to remove the payments. I am not contacting you all to see if this issue can be resolved. 

I tried to get this issue resolved already by contacting the company directly and submitting a complaint to the CFPB directly. Both of those were unsatisfactory and I would like other entities to investigate this matter, if possible. I have documentation from a representative of XXXX stating that the late payment was refunded, therefore implying that the late payment is inaccurate and needs to be removed from my credit report immediately. Additionally, I contacted the company to be informed of their relief efforts of victims of Hurricane Harvey and was not given a direct answer. This is not proper customer service. 

Finally, their response of saying that they are unable to remove it is blatantly false and should be investigated. I have had other credit card companies able to remove the payments from the reports, so them saying they are unable to modify is incorrect. Please investigate this company and my matter to the deepest extent possible.

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 02/22/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i have XXXX hard inquiries on my credit report from XXXX company that i never applied for and im having a hard time getting these inquires as the credit bureaus are giving me a hard time about removing them

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 02/20/2017 about Debt collection (Non-federal student loan) with Reliant Capital Solutions, LLC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: rude customer service. XXXX from reliant capital solutions keep calling me asking me personal questions about my 401k and bank account. I explained to her I do not have any money and she continue to be rude to me. I ask to be transferred to a manager and she refused to transfer me. It got to a point I had to hang up and call again to get someone else who transferred me to the manager. manager was n't even helpful. I asked if they can stop calling me all day and they said no ... ... ... horrible company. my school should be ashamed for hiring this company to collect money from students.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2017 about Debt collection (Private student loan debt) with WELLS FARGO & COMPANY (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I am currently refinancing my house. It was brought to my attention that XXXX XXXX Bank student loan on my daughter that I co signed on shows it was XXXX. The amount of the student loan was {$17000.00}. Both companies have indicated that they can not make you pay on a loan they wrote off as a loss and shows on my credit report as XXXX. So I am asking for help to see if they are allowed to make me pay on a loan they took as a loss. 

In XXXX when I was XXXX from my bankruptcy, I was contacted by Wells Fargo and told I had to pay this or they were going to lien my house. I owed the debt and was responsible for it. I asked why they did not correspond during my bankruptcy. They signed a contract is a contract and I owe it. 

I have been paying since XXXX {$170.00} a month because I wanted to build my credit scores. The title companies say it shows I am delinquent XXXX months which is effecting my XXXX XXXX. I have asked for a copy of my credit report. When I went on XXXX XXXX drop down the information on Wells Fargo it shows Closed - Current payment status - In Collections/Charge-off. 

Could I please get some help regarding this situation if they are in the wrong for doing this of discharging it and now making me pay for a loan they wrote off as a loss.

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 12/16/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage lender, Bank of America, issued a trial modification plan for my home, but then they refused to make the modification permanent!! 
Bank of America told us that we qualify for modification and we meet all the requirements, but there is an issue from 4 years ago that has caused a red flag on my file!!! 

They claim that we failed to give them correct tax returns during the previous modification request which was 4 years ago. The fact of the matter is that 4 years ago we applied for modification which was denied. That process was done through a " third party '' that represented us during the modification request 4 years ago. Everything that was requested at that time we provided -- including tax returns -- to that representative who should have forwarded them to Bank of America. If that third party failed to forward the requested items to Bank of America, it was not our fault. 
Furthermore, 3 months ago I sent the tax returns for those missing years to Bank of America. 

Now Bank of America claims that 4 years ago they did not receive the tax returns in a timely manner and this is a sign of a legal tax violation!!! Their excuses are just absolute none sense! I have provided all tax documents for 2014 and I even provided the tax returns that they claim were missing from 4 years ago, even though it has no relevance to my current modification request. Bank of America 's response is very unreasonable and unfair. They claim that I qualify for all requirements of the modification plan but because of some vague and unclear excuses, from a previous 4-year old closed file, they can not finalize my current modification file!!! 
They also refuse to explain the problem clearly and in writing!! 

It is very absurd, unfair, and unreasonable for a lender to deny " permanent '' modification after they approved the trial modification, Based on the status of a 4 year old previous file which was closed a long time ago!!! 
This is very unreasonable and unfair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Bank account or service (Checking account) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Account opening, closing, or management

Complaint: The Huntington National Bank willfully deposited several Social Security & other checks on which I, XXXX XXXX, was the payee and had not signed in to a checking account ending in # XXXX on or about XXXX, 2012 and continuing beginning with {$31000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: This is the second time that Bank of America has RETURNED my payment to my bank and charged me with a returned payment fee. 

When I have tried to call, they hang up on me. 
Please help/

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 02/23/2018 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: Hi. I already submitted my complaint and in response the company appealed to false statement and lied about the whole issue. I have tried to reply to your office through the way was provided in your email, however up until this date I have received no response. This is continuation of my complaint ID # XXXX and wanted to make sure that you have all the facts in order to achieve proper results. People complaint to your office in order to bring issues that are effecting everybody and closing a complaint just because the respondent sent an answer is not appropriate at all. the following is my email to your office after the entity responded inaccurately to my complaint : Dear Madam or Sir : Thank you very much for your assistance in this matter. After reviewing the response of XXXX XXXX, I must say that this company has lied about every single thing that they claimed in their response. First of all the following are article numbers of certified mail that I sent to the company and clearly indicated what needs to be done : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX. As you can see I have documented my communications with them. I am flabbergasted to see that they lie to even Federal Government. Just imagine what are the consumers going through. As I mentioned in California they must comply with Fair Debt Buying Practices Act and in this case they completely failed. You can ask them why they are lying about their claim if it is legitimate and based upon the law. This company has dark record and they have been sued many times. If you need further info please let me know that I can provide them to you ASAP. This company claims that they only received disputes from Credit Bureaus, well, there you go, I have provided proof that it is a total Lie.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (FL).
Issue: Managing the loan or lease

Complaint: Ally has reported XXXX late payments on my credit report. I paid onetime every month using their online payment system. I paid 5 days late one month and was hit with a late charge. called in and spoke with rep that stated she would waive the onetime late fee as a courtesy and to make the regular payment. The fee was never waived and rolled over for months causing it to look like i was late for 8 months. I 've spoken to several reps that stated they would remove the late payment off of my report due to the error but it has not been done yet. I know the calls are monitored and asked for a supervisor to listen to the promise by the rep but i keep getting the run around. my credit is being impacted due to a rep that lied. i made the payments but the fee that was told would be removed was not and now i am being punished due to lack of customer service and responsibility. the information being reported is incorrect.

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 01/19/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Hello Consumer Finance, I 'm not sure where to even begin! I have been battling with Equifax for the last few months and as of late I submitted a complaint against them. I 've had some fraud on my report and it been a complete nightmare for me. Since I travel I guess I 'm an easy target. AND now it almost seems like experience is retaliating against me in the form of negative reporting. I 'll give you my evidence and what happened and hopefully we can make some sense of it. There was an SST/SYNOVUS ( # XXXX ... ... ) & an XXXX ( # XXXX ) that were and haven {$0.00} balance for years.no balance owed nothing. I filed a complaint against Equifax about 2 weeks ago and as of yesterday morning. Those accounts mentioned both have a balance of $ XXXX. and was reported as a new charge-off and derogatory. ( according to the credit monitoring ). This has sent my credit into a tail spend and my stress and health are taking a toll. Please help me. Here is the attached screen shot showing the XXXX balance charge-offs for the exact amount and how they showed out of thin air. 

I 'm already fighting with someone using my social and now I have to fight a large company ... I do n't stand a chance. and I think they know that so they keep doing stuff like this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONAL AUTO LENDERS, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I NEVER SOLICITATED LOANS

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I submitted an income driven repayment plan change request to XXXX on XX/XX/2016. On the XXXX it was approved, then a few days later my loan was transferred to XXXX. My payment plan change did not transfer, so I applied again and was reassured that the application was received and everything was ok. I then received a notification that my application was denied because my loans were not in repayment ; they are. I called and was told to resubmit along with some updated income information, and I did, my request was denied again because it was n't time to renew my income. It 's been 3 months and I 'm unable to continue making my high payments.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has let my personal data be leaked and has now charged me to put a freeze on my credit. They should be held accountable for this breach of their security. 

The breach occurred sometime within the last three months but I discovered I was affected on XXXX XXXX, 2017. 

I 've had to contact each national credit report agency to freeze my credit incurring costs to me for Equifax negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Struggling to pay mortgage

Complaint: I received an email from the CFPB regarding the response to complaint # XXXX stating that the lender my loan was transferred back to now has an 15 days to respond to my complaint filed against its servicer XXXX. The two lenders are both involved in the same loan transaction. The lender that now has my loan, Bank of America, should continue where its servicer left off not be granted MORE TIME as my HELOC is resetting to a payment I can not afford and needs modification ( as explained in complaint # XXXX against XXXX ) I also made a payment of {$490.00} due just before the transfer which I never got credit for. Interest on the loan continues to accrue. Where is the payment I made? Because now they show me in arrears with a combined next payment due of over {$1300.00}. I can not afford that and will lose my home for sure!
Bank of America, which has my loan now, did reach out to me with a phone number but when I call and no one answers or returns my messages.
I need help and answers to my request for modification, not more delays. I feel I being passed around til I become severely delinquent, then WHAM! I/m in a hole I can climb out of.
I do not need to lose my home as I finally have a place to live that has been modified to fit my XXXX ( XXXX, XXXX XXXX ) If I lose my home to foreclosure because I can not afford this new HELCO payment, I will be left homeless.

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 11-04-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX 2015, I cancelled service with XXXX XXXX XXXX. At cancellation, I disputed the final bill and attempted to return a phone that I was leasing via a letter sent to XXXX XXXX XXXX dated XXXX XXXX, 2015. XXXX XXXX XXXX did not respond to my correspondence, but instead used a debt collection agency. The initial debt collection agency was XXXX XXXX ( XXXX ). XXXX contacted me at work and after a lengthy discussion where I explained the situation, they agreed to take a reduced amount as Payment in Full. 

On or about XXXX XXXX, 2015, I received a letter from a XXXX debt collection agency claiming I owed the difference of approximately {$400.00}. The XXXX collection agency is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX account number with SCS is XXXXImmediately after receiving the collection letter from SCS , I called the number listed in the letter. I told them I had a letter from the initial debt collection letter proving that I had satisfied the payment in full. I was told that I had to submit the letter as proof. The SCS representative also stated that XXXX had not contacted XXXX XXXX XXXX to let them know that I had settled the account in full with a payment XX/XX/XXXX or XXXX 2015. After reflecting on that, that statement was false because how else would XXXX XXXX XXXX know I had made a payment? 
I requested and received a letter from XXXX that proved I had paid the account as agreed representing payment in full. 

About two weeks later, SCS contacted me with a second attempt to collect the amount of the debt that had been written off. I again called SCS. The first representative transferred my call when I told her I was recording the call. The second representative was very helpful and I relayed the account of what had happened and she gave me the same email address that I has used to send the letter proving I had already settled the account in full. I promptly sent the letter from XXXX XXXX as proof. 

On XXXX XXXX, 2015, I was notified that SCS had reported me as a collection notice to XXXX, which in turn negatively affected my credit score. 

The result I want to achieve with this complaint is for Sunrise Credit Services to rescind the debt collection notice to XXXX and any other credit bureau or agency to which they have reported me. 

Secondly, I would like for your agency to investigate SCS practices to determine whether they have treated other individuals as they have treated me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation