milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/15/2016 about Student loan (Federal student loan servicing) with GRANITE STATE MANAGEMENT & RESOURCES (NM).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Please consider a review of the Federal Student Loan program, and the conduct of Federal Loan servicers. 
Item : 1. Overpayments being used to offset future payments. 

As a student loan borrower, if you make an additional payment, or pay over the monthly amount, servicers are applying the overpayment against future month 's payment. 
This is incorrect. 
The payment amount is based on the amount of time that has been agreed to in paying off an loaned amount - any increases in payment or payment speed should shorten the principal amount owed - and thereby the amount of time required to pay. 

What these Student Loan servicers ( Granite State Management & Resources in my experience ) are doing is maintaining the original amount of interest due by not reducing the principal with amounts over the payment amount or payments that occur earlier than the agreed-to payment dates. 

They should not be allowed to receive any more amounts in interest than what is equivalent to the interest rate times the amount of funds x time borrowed. 
They should not be allowed to " tack time on '' to increase the total interest payment amount, or maintain an artificially-higher level of payment distribution towards interest than towards principal. 
The requirement to a separate payment ( by mail, phone, etc. ) in order to get additional payment amounts to apply towards principal is in no way designed to assist the borrower. 

This is equivalent to a pre-payment penalty, and should not be allowed to be applied towards federal student loans just as prepayment penalties are no longer allowed to be applied towards private bank credit cards or any other private loan. 
This is ESPECIALLY predatory, since the loan can not be discharged in bankruptcy and certainly should not be allowed with Federally-guaranteed loans. 
Thank you for your consideration, and your service.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SUNRISE CREDIT SERVICES, INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not known ; I have never owed a balance to this company. My account is still active with this company, never past due which is strange since an account with them is reporting negatively on my credit file. 
I request full statement of this account and any information pertining to the contract ; when opened and where.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Mortgage (Conventional fixed mortgage) with Specialized Loan Servicing LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: In XXXX XXXX I received a loan from XXXX Mortgage XXXX Located at XXXX XXXX XXXX XXXX, CA XXXX. I am not sure when XXXX sold my mortgage to Deutsche Bank National Trust Co. But they end up with my mortgage without the right documentation. I was a victim of these unscrupulous practices. 

Since XXXX Deutsche Bank National Trust Co has been trying to foreclose my house. I have been requesting them, through XXXX, and now XXXX, TO PRODUCE THE NOTE and the Assignments of the loan. I have not being able to obtain NONE of these copies. 

FIRST : I want to see when Deutsche Bank National Trust Co obtained the NOTE. I want to make sure that they own this mortgage. 

SECOND : I want to see WHY Deutsche Bank National Trust Co obtained A NOTE, IN XXXX AND ANOTHER Document in XXXX. 
I have a copy of the NOTE, signed during the closing in XXXX, made to XXXX. I have never received the Assignments of this NOTE to Deutsche Bank National Trust Co. In fact, the copy of the NOTE received in XXXX, from the loan servicing XXXX, is a different document that XXXX sent me on XXXX XXXX. 

This worries me. I am very concerned. It seems to be a fabrication of a document by the legal team from XXXX. 

Unfortunately it is well known, that the banks fabricate documents to prove their cause of action. 

My home has been scheduled to be foreclosed on XXXX XXXX Please help me to make the banks to do the right thing for once. 

Thank you

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 02/16/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XX/XX/XXXX, there had been several attempts to collect a payment other then the amount I agreed to out of my previous checking account. I called the company and advised them of the situation, I was given a new agreement. I told the company, going forward that I would make the payment directly on line because I no longer trust the company to take money out of my account. So in XX/XX/XXXX I made a one time payment on line from the precious account before I closed it. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating the company had scheduled a payment on XX/XX/XXXX, from the same account ( the one I closed and advised them to no longer process a payment from ). I called the company in regards to this matter and I was told that I wasn't sent a letter. I identified myself as a collections manager. I was told there was no account information on my account. I was told there was not payment schedule. I told the representative, I had the letter in my hand and that it had indicated the information i had stated. The representative then tried to tell me that when I made the payment I made the agreement on line to make monthly payments. I advised her I made a one time only payment. We went back and forth for more than thirty minutes. I informed the representative that I was going to have my lawyer call in regards to their procedures and that I wanted to make a payment. The representative then informed me that she removed the information from the website and that she could no longer take my payment since i was going to call my lawyer. I told her that i was not denying paying the balance but i was questions the company 's antics when intimidating paying customers. The representative refused to take my payment and advise me the only way she would take my payment is if I would wring a letter recanting calling my attorney. I refused and asked to speak to a supervisor. After being placed on a long hold, a supervisor answered the call. I identified myself as a collection manager. I explained the situation and he stated, the only way they would accept my payment was I had to write a letter recanting I was going to contact my attorney. I refused and asked if they could show me that in their policy. The supervisor stated he could not and that was all he could do. He went on to say if I didn't want to hand write the letter that I could go online and submit. I refused and I asked for his boss. After waiting on a long hold again, another representative go on the telephone. He refused to take my payment. Again informed him i was a collections manager, that I knew my rights as a consumer and that what he representative had stated did not correspond with their on line policy. I advised the representative that I was going to write this letter because of their bad tactics and intimidating ways to collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a loan that is being reported incorrectly to the bureaus in regards to payment activity for my car note on my XXXX XXXX XXXX by XXXX XXXX. I sent over to the company a copy of my bank statements showing the deductions from my accounts along with a copy of the payment history that was privy to me on XXXX XXXX 's website. They have me thirty and sixty ( 30 and 60 ) days late for XXXX, XXXX and XXXX of XXXX when {$2100.00} was paid on XX/XX/XXXX, then {$710.00} on XX/XX/XXXX. The next payment was made on XX/XX/XXXX in the amount of {$620.00} because they stated that was all I had to pay for that month because an arrangement was made setting aside the full payment, then {$710.00} on XX/XX/XXXX, and then again {$710.00} on XX/XX/XXXX. XXXX was missed therefore I paid two car notes in XXXX in the amount of {$1400.00} for both months. I paid XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}, and the XXXX 's car note on XX/XX/XXXX in the amount of {$710.00}. Also I have a ten day grace period every month ; just wanting to make mention of that. Then they attempted to withdraw from my account on both XXXX XXXX and XXXX, XXXX in which they should not have been trying to do, then received XXXX 's payment on XX/XX/XXXX in the amount of {$710.00}. ThenXX/XX/XXXX for {$710.00}. I am in forbearance until XX/XX/XXXXbecause of the conflicts of interest, and therefore did not have to make a payment onXX/XX/XXXX in which the supervisor stated I would not have finance charges nor extra fees for that month, nor would there be any negative reporting to the bureaus. In addition per my request at the very beginning of the loan, I expressed wanting all payments to go to the principal of the loan. I told them to make a note of my request in my file because to pay with a representative is a fee. To pay online is free. They claimed to have noted the account. My request has been unfulfilled from the beginning, and still ongoing. Furthermore, I am being charged excessive finance charges, late fees, and other hidden expenses unjustly. I have addressed all of this to the company as I continue to file disputes against them with the reporting agencies as well. I seem to have no other recourse. I ask that you help me resolve this ongoing issue with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: XX/XX/XXXX submitted disputes to Trans Union and XXXX - as of today I have not been informed of the investigation results. I have not received an updated credit report, and I have not had anything that was disputed corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: A letter was sent to Transunion on XXXX/XXXX/16 regarding XXXX accounts from XXXX XXXX reporting a balance of {$460.00} and {$480.00} on XXXX/XXXX/16. A letter was sent directly to the creditor regarding the validity of the account. The letter was returned as undeliverable yet Transunion continues to report this inaccurate information.

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 05/16/2016 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (NC).
Issue: Unauthorized transactions/trans. issues

Complaint: My name is XXXX XXXX I was a customer of rushcard for 3 years. On XXXX/XXXX/2015 a direct deposit of {$720.00} was deposited to my account. On XXXX/XXXX/2015 my account became frozen and I was unable to get any monies. I had just moved to XXXX from XXXX because of my job. I had to borrow money from my job and coworkers because I moved down here alone to help pay my rent and bills On XXXX/XXXX/2015 was was given {$430.00}. When I called the customer service to complain about the monies that was n't on the account.I was on hold for 2 hours and they stated that was paid in full. The CSR staed that the transactions from me going to the ATM took off {$3.00} each time I checked on my monies. I change accounts for my direct deposit and they state they do n't owe me anything. Rushcard owes me {$290.00} plus compisation for putting me behind in my bills and still owe co-workers for helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (Conventional fixed mortgage) with WESTSTAR MORTGAGE CORPORATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Received a bill saying that our escrow account was short {$3000.00} and that we would need to either pay that in full or be added onto our monthly payments making our new payments {$430.00} more a month than what we currently pay. Call the mortgage company to find out what was going on they said there had been a mistake or glitch in their computer that caused this to have this shortage that we need to pay we have called and expressed our frustrations with the mortgage company that we do not feel like we should have to pay for a mistake they made but they do not agree there is no way we can afford this kind of a mistake on our monthly payments

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Bloomingdales has violated my rights because they failed to provide proof that this account belongs to me. I did not open up a bloomingdales account. This is a fraudulent account.

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 03/29/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Began receiving notice of payment due XX/XX/XXXX even though daughter does not graduate until XX/XX/XXXX. However, decided to pay the loan in full ( {$3500.00} ) so we would not have to deal with the loan later and also wanted to be sure we did not get charged interest. Made payment in full XX/XX/XXXX. XX/XX/XXXX received a mailed confirmation receipt of the {$3500.00} payment. However, we continue to get email notices that our payments are overdue and that credit unions will be contacted. After each monthly notice I have tried contacting fedloan servicing by email, telephone and US mail, providing them with my complaint that we continue to receive payment due notices. The only response I have received from them is that they are not sending us email notifications ( and that is why I have mailed them copies of my correspondence through email which contains their mailing address, phone numbers and email contact information ) but we continue to get late payment notices through email and the threat of it affecting our credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other

Complaint: During the summer of 2014 I entered in to a payment agreement with Citi for the resolution of my Sears credit card. I set up an automatic payment of {$74.00} a month, and they locked my interest rate at 9.9 %, and closed the card to new charges. My {$74.00} payment has never been late, but Citi has been reporting my account as late for the last 30 months.

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 12-01-2017 about Debt collection (I do not know) with Kehoe Financial Group, LLC (OH).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Kehoe Financial Called my landlord about a debt I supposedly owed. Not really sure about what information was shared but enough was shared that my landlord knew they were a debt collector trying to collect a debt. In turn I was called by my landlord being yelled at for them calling them and not paying my bills. I have never heard of this company before last night XX//XX/2017. I have only received 1 call from this company to date and it was also made on XX/XX/2017 by XXXX XXXX. I have had the same phone number for years it has n't changed and if they were legitimate they would have known my phone number and address to send correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I took out a private student loan several years ago with XXXX XXXX XXXX for a little over $ 3K. I filed a chapter XXXX bankruptcy in XX/XX/XXXX ( estimated ). I was informed at that time to stop making payments on all accounts. I was only allowed to make payments via my trustee. XXXX XXXX XXXX was included in my bankruptcy. Sometime in XX/XX/XXXX - XXXX - sold/transferred my loan to Transworld Systems. I received NO communication on this. So when I converted my Ch XXXX to a Ch XXXX in XX/XX/XXXX - I didn't know that this had occurred until I received a notification from a XXXX XXXX XXXX about the student loan being in collections. I was NEVER given the opportunity to work out a payment plan with XXXX and they have put this information on my credit report as a collection account. I have been making $ XXXX monthly payments via XXXX XXXX XXXX, who doesn't report to the credit bureaus, however Transworld is reporting my account as a collection account. How is this legal? I was NEVER given an opportunity to pay this account with XXXX as they sold the account to Transworld AFTER I had filed bankruptcy. I DO NOT OWE Transworld anything! I should have been allowed to pay this debt to XXXX and they should not have filed this as delinquent while I was in a Chapter XXXX & Chapter XXXX - just to put a collection on my account after my bankruptcy was discharged. Can someone help me get this removed from my credit? I don't see how this process was legal.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (MA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Capital One is saying I owe them {$1900.00} from a credit card that was opened on XX/XX/XXXX account # XXXX We are in the process of litigation because they can not provide verification of debt. While printed out my credit report needed for court on the XX/XX/XXXX, I noticed Capital One had created another entry on my report bearing the same account number, but was opened in XX/XX/XXXX for the sum of {$1600.00} and had been closed due to serious delinquency. This did not happen.. And on XX/XX/XXXX, Capital One sold this same debt of {$1600.00} to XXXX XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Debt collection (Payday loan debt) with CURO Intermediate Holdings (OK).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I requested a credit report in  XX/XX/XXXX . At that time I noticed that there were several addresses where I never lived linked to my report. I also found that a delinquent account from the collection service   XXXX   XXXX   for Speedy Cash was listed on my report. I have lived in Oklahoma since   XXXX   and have NEVER used a payday loan service. I disputed the false addresses and   XXXX   XXXX   account. I did get the addresses removed, but have tried for several years to have the negative report from   XXXX   XXXX   removed.
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I have repeatedly disputed this information on my account and have never received any direct notification from   XXXX   XXXX   until  XX/XX/XXXX . This account does not belong to me.   XXXX   XXXX   has closed this account on my report, however  XXXX  has not done so after repeated disputes.
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I have tried to find an email contact for   XXXX   XXXX   to contract them without success. I will not call them due to other consumer complaints about threatening phone calls from   XXXX   XXXX  .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: After paying my XXXX federal tax liens and having them released, I obtained withdrawals of XXXX liens. I disputed the information with Experian and provided them copies of forms XXXX that prove the liens were withdrawn. Experian responded that the liens would remain and not be removed until the seven years expires. Attached is the email showing the results were ready ; the results showing the liens would remain ; and the Withdrawals of Federal Notice of Federal Tax Lien After Release forms ( XXXX ) that prove the liens should be removed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2016 about Consumer Loan (Vehicle loan) with MCMC Auto LTD (TX).
Issue: Problems when you are unable to pay

Complaint: Voluntary Surrender, of vehicle. Had baby could n't pay for vehicle anymore. Was n't working.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: The monthly Federal Student Loan repayment calculation does not benefit single people. Instead, it benefits people who have a partner or a dependent, by allowing monthly payments to be recalculated and lowered if one has a partner or a dependent. Borrowers who are single have similar, if not more, financial burden than those with a family size of two or more. Permitting borrowers who are single to recalculate their student loan payments will decrease their short-term financial burden, and although may take them longer to pay off the loans, will put them in a better financial situation long-term to be able to save for their future.

Company response to consumer: Closed with explanation