milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/20/2015 about Student loan (Non-federal student loan) with AES/PHEAA (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My son took out a student loan from XXXX XXXX Bank XX/XX/XXXX. He was attending XXXX University in Ohio. XXXX then sold it to American Education Services. I am the co-signer of that loan. XX/XX/XXXX I received a letter from AES stating that the loan was delinquent and to bring the loan current I would need to submit {$120.00}. I sent the payment in on XXXX. The check was cashed on XXXX XXXX. XXXX was only working 1 to 2 days a week XXXX in XXXX, Ohio. He tried to get a deferment. We never heard from them. I never got a delinquent notice since XXXX. In XXXX I get a collection agency calling me. So I called AES XX/XX/XXXX, spoke with XXXX # XXXX. He told me that he could not get a deferment because the loan was in default as of XXXX XXXX or XXXX. I asked him how that could be because sent in the payment in XXXX to bring the loan current. He said it was in default because XXXX and XXXX payments were not made. I asked him why I was only billed for XXXX. He stated that they only bill for current month. So they took my payment and defaulted the loan anyways. The loan was sold to XXXX XXXX in XXXX ( XXXX ). They would not accept a payment plan. They would only accept full payment of XXXX. A lawyer advised us to make a payment to bring the loan current. On XXXX XXXX, I sent AES a {$700.00} check. This was the only address that I had. The check was cashed on XXXX XXXX. I called AES and they told me that they would forward it to XXXX XXXX in 45 days. Never heard another word from them. Now we get a letter from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. My complaint is with AES that as a co-signer there was no notifications. If I would of known that the XXXX and XXXX payment was dueI would of payed it. Now we are in this mess. I would like to file a complaint against AES.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: To Whom it May Concern : My complaint is against my loan service providers XXXX and NELNET. XXXX ( XXXX XXXX XXXX XXXX NY, XXXX. ) recently transferred my loan to NELNET. XXXX XXXX. XXXX XXXX XXXX, Nebraska XXXX ). I received a letter stating I was 75 days past due on my account. XXXX previously approved both an unemployment deferment and an income based deferment. Therefore I am disputing the status of my account ant the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Debt collection (Payday loan) with Quick Click Loans, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never not received a judgement demand letter from this company. I never received any communication from this company about the outstanding debt.The first communication was sent as a form of garnishment to my employer. My employer notified me. After I spoke with the representative from Quick Click Loans, I was told I did not have to be notified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (NJ).
Issue: Application, originator, mortgage broker

Complaint: This is the second complaint against TD Bank NA. ( XXXX ). I applied for a Home Equity Line of Credit in XXXX 2015. I am asking for a {$50000.00} line of credit for a rental property that is worth {$270000.00} ( according to their home inspection ). I will pay off the current mortgage ( which is under {$20000.00} ) and do a few small repairs ( less than {$2000.00} ). It was there suggestion that I ask for Home Equity Loan of {$50000.00} @ 5 % interest. Now there asking for information on my residence. I have provided them with everything I could. I have a small home equity loan ( {$32000.00} ) on my residence. ( No first mortgage -- just the he loan. ) They are asking for a statement which I provided. I deal with a credit union that provides a comprehensive statement that includes checking, savings, and loan information. TD Bank will not accept it. I went to my credit union and they were willing to write a letter, but TD wo n't accept that either. First of all this loan is on a property that THEY valued at {$270000.00}. I really only wanted {$30000.00} to pay off the mortgage and do some repairs. I have provided them with the information they requested. XXXX XXXX XXXX XXXX is willing to write them a letter but they won '' t accept it. They obviously do n't want to give me the loan and want me to give up.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello. I am writing in reference to incorrect information placed on my credit report. My name is XXXX XXXX, Social Security Number XXXX, address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The information placed on my credit report is in reference to a medical bill, for {$150.00}, by XXXX XXXX, titled XXXX, dated that it was opened " XXXX XXXX, XXXX ''. There is no account number presented on my credit report, nor is there any contact information for the hospital. The hospital is located in Maryland. This medical bill/account does not belong to me. I did not receive any medical service from this hospital during that time period. I have been living in XXXX XXXX, CA for the past 4 years, in which my credit report also shows my address as being in California. I disputed this information to all 3 credit agencies and XXXX and XXXX both found that there was not enough evidence to prove that the account belongs to me, therefore, they removed it within 2 weeks of my dispute. However, I have made the same dispute to Equifax, twice, and they still refused to have it removed, even after I called to ask them what proof was presented to prove that the bill belonged to me. The representative could not explain, just stating that the hospital had my name and date of birth. I then replied that they may have that in their database as they do with anyone who may have visited the hospital in the past. I have not visited that hospital in over 4 years. I have no other " negative '' nor derogatory information on my credit report besides this one hospital bill, which I know is clearly a mistake on their behalf. Also, I had never received a letter from them. I also contacted the hospital to dispute the charge and they told me to write them a letter to dispute and stated that there is nothing can do because they " sold '' the account to a collection agency. I asked what she meant by sold, she refused to answer. I asked her how could they sell someone 's personal information and do not have the proof needed to prove that they have the correct person. I stated to her that people use others information to receive medical treatment. She then stated again that I would have to contact the collection agency or credit agency. I wrote the letter and faxed it over and then was told two weeks later, when I called back to follow up, that they never received it. A different representative then stated that I needed to go through the collection agency or credit bureau because it is out their hands. I am requesting that this information please be removed from my credit report as it does not belong to me. And again, this is the only derogatory information on my credit report, which has caused a decrease in my credit score. Thank you so very much for your time and I look forward to hearing back from you soon. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent Equifax over a notarized fraud affidavit along with a police report stating I am the Victim of identity theft and requesting them to block information. They have stated that they must complete a XXXX day investigation. However ; this is IDENTITY THEFT it is clearly stated in FCRA 605B ( 15 U.S.C. 1681c-2 ) that once a credit reporting agency is made aware of the identity theft they have XXXX days to block the information. I have made several calls to them and spoken to managers and they are stating they must do a XXXX day investigation. This is not a dispute it is IDENTITY THEFT. Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2016 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Received Chapter XXXX Now years later mortgage company is posting on my credit XXXX BalanXX/XX/2016 Account Number XXXX Creditor Name OCWEN/LITTON LOAN SERVIC Industry Type Mortgage Companies Street Address Line XXXX XXXX XXXX XXXX XXXX City XXXX Zip XXXX State TX Amount Delinquent XXXX Payment Status Unknown Creditor Preferred Contact Other Consumer Statement Chapter ce but has effected my score why would they do that Litton Loan co

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Debt collection (Payday loan) with United Check Recovery, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a company called United Check Recovery their number is XXXX ext XXXX and fax XXXX. This scam company acquired my mobile number and work number. A woman by the name of XXXX XXXX called claiming that I owed a pay day loan back in 2009 for XXXX. I dealt with the original creditor XXXX and cleared my name and identity due to Identity Theft. The original creditor was sent a Police Report & validation letter that was notarized and a letter from my attorney at the time. XXXX XXXX of United Check Recovery XXXX read off the last XXXX digits of a social security number that IS N'T mine. She started to read a current address that was obtained only 1 1/2 yrs ago as well as phone number obtained only 1 1/2 ago. She said she found my information through a system called XXXX. I told her I have been a victim of Identity Theft and I have an attorney. She then put me on hold to speak to their Identity Theft Department. A gentlemen by the name of XXXX XXXX came on the line. He then started to prob me, I told him I am late and I do not have time to revisit the same material as I did with XXXX XXXX. He gave me a fax number to send my information too. I also never received a letter from the original creditor nor did I receive a letter from their company United Check Recovery XXXX of proof of debt validation. There were no documents involved, just messages left at my place of business and mobile, along with harassing and probing communications.

Company response to consumer: Untimely response
Consumer complaint received 04/25/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: contact  XXXX  letting them know this is not my account. Also contact ed Santander they   state they do not have me in their system. This is not my account at all.   XXXX   has my birth year incorrect along with address that I never lived at. This is not my account never had an autoloan until last year.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am filing this complaint against  COMMONWEALTH FINANCIAL . They have not responded to correspondence of having a duplicate account on my credit report and not providing any information as to the debt. I am requesting that both accounts be removed immediately from all  XXXX  credit bureaus.   {$1100.00}  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (Medical) with Accelerated Creditors Services, Inc (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: There is an agreement between XXXX XXXX and provider of ambulance service. I double checked with XXXX and was advised that I do not owe any amount above what was agreed upon, therefore was advised not to make any additional payments to them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Bank account or service (Checking account) with BB&T CORPORATION (NJ).
Issue: Problems caused by my funds being low

Complaint: A vendor erroneously accessed my bank business account, which caused my account to overdraft. Bank charged me with an initial overdraft fee of {$36.00} and subsequently charged an {$8.00} overdraft fee every day, which continues to this date. Called bank and was advised that once funds were returned they would address issue. Went in person to bank and was told I would still be liable for overdraft fees - How could this be so I did n't cause it to overdraft My XXXX questions are how could I be liable for any over draft fee if someone overdrafts my account, admits they should n't have and rerurns funds that caused the overdraft, and secondly - can a bank charge an overdraft fee EVERY SINGLE DAY your account is overdrawn??? that is preposterous

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 06/29/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I received a certified letter from XXXX XXXX on XX/XX/2016. They indicated that they were referred by our Servicer ( Bank of America ) to XXXX for Foreclosure action. My complaint is for XXXX XXXX to stop committing forgery to foreclose and to give us competent and reliable evidence. XXXX XXXX is violating the FCDPA and US Mail Fraud Statues by using deceptive means to collect. We have searched the Secretary of State for California website and they are not even registered to do business in California. They are 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 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in you credit file. The Credit Bureau has not updated the information and per law true Bankruptcy listed does not include this information and should be deleted from my credit report

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 02/28/2017 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I have been waiting on a mortgage release now XX/XX/2015. In Ohio, a lender must record the satisfaction of a residential mortgage within 90 days from the date the mortgage was paid off. If the mortgage lender fails to comply with this requirement, the borrower may recover, in a civil action, damages of {$250.00}. This provision does n't prevent the borrower from seeking any other remedies that might be available to him or her. See ORC section 5301.36.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Payoff process

Complaint: I contracted with XXXX XXXX in XXXX of 2013 to help negotiate settlements on XXXX credit card debts. XXXX went fine and the third, Bank of America represented by XXXX XXXX XXXX, has been a fiasco. A written settlement agreement was made in XXXX of 2013, the XXXX XXXX settled, for XXXX {$1100.00} payments over a XXXX month period. I placed the money in escrow with XXXX financial through XXXX to guarantee payments as agreed. XXXX of the {$1100.00} payments were made as scheduled and Bank of America refused the last payment and backed out of the deal. They have been billing me for the full original amount and I never received any credit at all for the {$2200.00} they accepted. I have a copy of the original agreement and copies of the cashed payment checks, I have no idea where that {$2200.00} went. The original debt amount was put into collection and passed from XXXX agency to another. Since I have already paid XXXX for their service, I have been emailing and calling back and forth in an attempt to resolve this issue as agreed. Now XXXX will not answer my calls or respond to my emails in my attempts to find out the status. I feel both Bank of America and XXXX have both committed fraud and left me with the adverse effect on my credit reports which severely restricts my employment possibilities and my insurance costs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX ( US BANK ) reported hard inquiries to my credit report without my consent. I have contacted the creditor with no success of removal

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 11/28/2015 about Bank account or service (Checking account) with BB&T CORPORATION (GA).
Issue: Using a debit or ATM card

Complaint: Deposited XXXX $ into an ATM, it spit back XXXX $ the machine then ended the transaction with no credit to my account. Contacted bank ( BBT ) they started a review and then credited my account XXXX $ shorting me XXXX $

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: Spoke with a representative of the company who had a XXXX who stated I had an outstanding balance for a XXXX card, when I offered to make a payment on the account as part of a payment plan I informed the collection company that the balance was incorrect by {$400.00} + dollars and that I knew I only owed {$1000.00} and that is all I was willing to pay, The person who called me then informed me that they would sue me and threatened to have my wages garnished over the outstanding balance the person who called was very rude and made no attempts to work with me to resolve the issue, he kept trying to use intimidation to make me agree to terms of a payment I could no afford and told them I was unable to make the payment amount they wanted and would be willing to work out a better payment plan with them once the balance was corrected again several times later they threatened to sue me and take me to court

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: I contacted Chase Bank by phone on Friday XX/XX/2016 after noticing some discrepancies with my banking history online as well as through the mobile app. After spending over 30 minutes on the phone they advised me that they have an ongoing investigation due to account balances for consumers not posting accurately. XXXX " A Supervisor '' suggested that I go into my XXXX in XXXX to discuss it further since they were not able to figure out what was happening. She also stated that once the investigation was done my account would automatically reflect my true balance but I would not be informed of resolution and that I would have to just watch my account. That same day I went into my branch bank and spoke with the Branch Manager, XXXX XXXX for well over an hour. She had a Senior Account Specialist on the phone and he was unable to figure it out either so I was advised they were going to start research on my account and I would hear back within XXXX business hours. I have still not heard back. Yesterday, XX/XX/2016 my account showed that I had a balance of {$340.00}. I assumed this was my balance after their " research ''. I of course made some purchases thinking that my account was resolved and had a positive balance. Today, I received notification that my account is now overdrawn again {$190.00} in checking and {$4.00} in Savings. I was hit with XXXX {$34.00} fees in checking and another {$34.00} fee in savings. At this point I am considering closing my account as I can not keep track of what they are doing. Nothing makes sense and I can not get any answers from my banking institution. This has caused a great deal of emotional and financial distress. I advised them on my phone call on XX/XX/2016 that if this was not resolved I would be filing a complaint with the CFPB as well as the Attorney General. Had I not been watching my account closely there would be several fees and charges I would have never known about. The Branch Manager also made that statement when I met with her on XX/XX/2016 inside the Branch location. She reversed some fees on that day due to their errors however this continues to be an issue. 
My branch location is at : XXXX XXXX XXXX XXXX, XXXX Ca XXXX XXXX Branch Manager : XXXX XXXX

Company response to consumer: Closed with monetary relief