milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TN).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My loan is with Fedloan. My first issue with them was when my monthly payment increased after 11 months, instead of 12 months. I called several times and spoke with customer service representatives. Finally, an alert representative realized the problem and I was given an administrative forbearance.
My current issue is that my new monthly IDR recalculation was approved to start XXXX/XXXX/17 for {$270.00} and I retired XXXX/XXXX/17. I called Fedloan to ask the procedure to obtain a new payment amount, since my monthly income significantly decreased from {$4100.00} to {$2800.00}.
I was instructed to complete another IDR and check the box for it to be completed immediately. On XXXX XXXX, 2017, I uploaded the completed form and income verification on the web site. The next day I called to make sure the documentation that was uploaded was sufficient. The representative checked the information and assured me that it was sufficient.
I called several times from XXXX XXXX, 2017 to XXXX XXXX, 2017, regarding the status of the request. I was told by representatives that the response time could be from 2 weeks to 1 month.
On XXXX XXXX 2017, I received a letter stating the request was denied for the following reason : unable to determine your current income because document you provided doesnt clearly indicate the frequency of your pay. I immediately called Fedloan to have the representative retrieve the documentation and let me know exactly what needed to be in the verification letter.
The representative pulled up information and stated that the letter clearly states in the first sentence that I am paid monthly. He notated the account and sent the documentation back to be reviewed again. ( I did not submit any additional documentation and received a letter on XXXX/XXXX/17, notifying me of the new payment of XXXX. ) The new payment was due to start XXXX/XXXX/17, instead of XXXX/XXXX/17. Since they did not complete the 2nd review until XXXX/XXXX/17, I was penalized for their mistake. They used the same documentation that was originally submitted to recalculate my new payment. I requested that an appeal be submitted, because I was being penalized for their error.
Also, I requested an administrative waiver for XXXX and XXXX, since the payments were more than I could afford. I was told that it was nothing they could do regarding the missed payments, because of the closeness of the recalculations.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: I disputed a debt with XXXX XXXX with Transunion because a debt they are reporting on my credit report without the company notifying me of my rights to dispute the debt before placing it in your credit and did n't give me a chance to dispute the debt. It 's not my debt and they ca n't verify that it is with me but Transunion said they verified with them. The original owner which are XXXX XXXX say that they do n't have a record of me owing any debt to them! It was deleted from my Transunion credit file under the name XXXX and replaced with the a different name ( XXXX XXXX XXXX ) but same company and address. I disputed it initially with Transunion because they placed it in my credit file without any right to dispute or any notice. No validatity of the debt as required by law! After the initial dispute the company just basically kept the debt on my report in a different name and said that they verified it and did n't! I want Transunion to be held accountable for doing their jobs and actually verifying the debt and not taking a collection company word with no documents to support their claim!

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 02/24/2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: They have been taking my card for three months now and have never asked me the name on the visa card before. Now when I tried to make a payment again with my wife 's card they stated she would have to call to give them permission to take payment.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Mortgage (Reverse mortgage) with AMERICAN ADVISORS GROUP (MO).
Issue: Application, originator, mortgage broker

Complaint: AAG Reverse Mortgage Company Filed everything and said that I was okay then after sending Appraiser they went thru all their steps and said they would have appraisal by Friday, two weeks went by and I finally called and was told they could n't give me the loan due to Propane tank had to be off the Premises, and that I had an Industrial shop on my Property, Yes I have a large garage which was my Husband before he passed. My biggest complaint is that all along I was given yes we are going forward and the agent knew that I had a Manufactured Home Skirted with the best Skirting you can buy and it had the plates on each corner. Tied down but I was not told it was due to Manufactured Home and to date I have not received any notification of Denial. I called today and they transferred me to my Representatives supervisor. No return call. I would like to have my Denial in writing and reason or reasons for denial.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2016 about Debt collection (Federal student loan) with GC Services Limited Partnership (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: US Dept. of Education Student Loan : This loan came about through my attendance at XXXX XXXX University in XXXX where I was granted a XXXX, due to the negative experiences there where in my first week my dorm room door was kicked in and my laptop costing over {$2000.00} was stolen, I decided not to return. The University then converted this " XXXX '' into a student loan and have been holding my transcript preventing me from completing my education at this time. I have attempted on several occasions to contact the college without avail. The original issuer of my XXXX when I was inducted in the XXXX with a GPA of XXXX is no longer with the University and no one is honest or has the integrity to check the records and be honest and release my records. I am unable to complete my education now that I am back in XXXX due to this. Please help it would be greatly appreciated. Thank you. 
Kindly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: My husband and I both checked our credit reports, as we periodically do. There are several accounts on each of our reports, listing Portfolio Recovery for XXXX XXXX debts. We have never received anything, in writing, from XXXX XXXX or Portfolio Recovery. We have, however, received threatening voice mails from Portfolio Recovery, which we know is part of a possible scam. With all of the scams out there, we will not pay anything over the phone ; and certainly, nothing that is n't owed. We each did have XXXX XXXX accounts, years ago, which were charged off in bankruptcy. We have never received anything in writing, regarding anything owed to this Collection Agency. We only have discovered these on our credit reports. Proper debt collection practices and laws have not been followed. I know this agency purchases debt from creditors, but debts charged off in bankruptcy? VERY suspicious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/16/2016 about Consumer Loan (Installment loan) with Bliksum, LLC (CA).
Issue: Managing the loan or lease

Complaint: We borrowed about {$10000.00} from LoanMe. They said we could pay it back early, but I knew it would take a long time. I did not realize that if we kept it for the full term of about 7 years that we would be making payment of over {$70000.00}. That seems illegal under Usury Protection laws if there are any Federal or State Laws left that cover this situation that probably XXXX of other good Californian 's got themselves. Is there any way for regulators to stop this type of irresponsible lending by LoanMe and now others who are engaging in these unrealistic loans that probably will not be paid off? XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2018 about Checking or savings account (Checking account) with BB&T CORPORATION (TX).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/XXXXmy bank account was frozen. I contacted BB & T ( my bank ) they stated there was a judgement against me. When they provided the name it clearly didn't belong to me. 

I was directed to the attorney for judgement/order - XXXX XXXX who requested proof that the account didn't belong to their debtor. I requested the bank to furnish letter, account owner information and signature cards multiple times. I was told by the bank that they couldn't locate that info at the moment. After 8 days of requesting more info the bank finally furnished the restraining notice along with their Q & A from subpoena onXX/XX/XXXXwhich irrefutably verified and documented I was NOT the debtor and the debtor had nothing to do with my bank account. My account was levied that day after 8 days of being on hold for {$1800.00} which was all the funds I had in my account. 

This debt does not belong to me and my account is not associated with this defendant in question. All of my funds have been taken. 

BB & T was legally responsible to verify that the bank account levied was titled in the debtor 's name and that ownership matched the judgement. Title did not match, ownership did not match, and in fact the Q & A documentation that BB & T sent back to the attorney verified that the debtor in question is not associated with the bank account that was levied and that the account was not titled in the debtor 's name. None the less, BB & T still allowed the levy to proceed in spite of the facts which is highly suspect and raises reasonable doubt of BB & T 's practices. 

The bank account number the attorney added does not belong to the debtor ; BB & T must now be held responsible for my losses. The attorney added my bank account number and BB & T knowingly allowed the levy even though that bank account was not titled in the debtor 's name and did not belong to the debtor. 

I would appreciate your support holding the bank you are suppose to be governing responsible for irresponsible and fraudulent misconduct. 

This is completely unjust and unethical.

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 01/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ZENCO COLLECTION, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX, XXXX, called to inform me that I owe funds for a car loan that occurred over 14 years ago. She had addresses, partial SSN, car make, model, and VIN #, and a lawyers name ( fake I presume ). The company that she said she represents turns out to be a utility company in XXXX Texas. The vehicle in question was used as a trade-in back in 2002. Additional research shows that several other people have been called by her as well. She sounded very professional, articulate, and well informed about the situation.

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 11/16/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Starting in XX/XX/XXXX, I consolidated my student loans for a total of {$29000.00} with a locked interest rate of 2.875 %. I went into XXXX XXXX, but it took a long time before I had good paying steady work. I claimed deferment for the first year, then forbearance until XX/XX/XXXX. Not the best idea, I know, but I could barely pay my rent ; future me could worry about the increasing capitalized interest and late fees ( which totaled {$4200.00} ). Got a steady job and began making regular payments, and despite having paid a total of {$16000.00} toward this thing, {$10000.00} has gone to interests and fees and now my balance is still at {$23000.00}. Sure would have been nice to know about various income based payment plans back then.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (Medical) with American Collections Enterprise, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: AMERICAN COLLECTIONSXXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX # XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify AMERICAN COLLECTION ACC # XXXX XXXX XXXX XXXX XXXX $ - XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators reportPlease send me a letter explaining what you have done to : AMERICAN COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXXSSN : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The collection company did not send verification of debt and right to dispute. The address information they had on file was incorrect. Other collection agencies have deleted their accounts due to this ( attached is an example ), but this company does not want to abide by the federal laws. I have made several attempts to communicate this to them, but have been unsuccessful in receiving a requested call back in over 30 days now.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This item is past the statute of limitations and inaccurate, remove XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00}

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 06/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On X/XX/17 I filed bankruptcy. XXXX XXXX was sent the bankruptcy paperwork from my lawyer. XXXX still has this loan account for the amount of XXXX as open on my credit report. This should be closed out with a XXXX balance due to the bankruptcy filing. XXXX has exceeded the time limit to fix this on 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 non-monetary relief
Consumer complaint received 10/15/2016 about Debt collection (I do not know) with Midwest Recovery Systems (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: On XXXX XXXX 2016 on XXXX of my reports, XXXX and XXXX was reported {$600.00} and on a balance of {$2000.00} ... .. this borrow of bank money or whatever, I never have money from MW REC SYS I do n't know who this is. Midwest recovery Systems LLC is supposed to be the company doing the collection, I have never had anything in collections ever and I have over XXXX accounts and all of them 100 % on time paid off zero balance I have never owed anybody ... XXXX has hundreds of complaints against this reporting agency. Midwest recovery systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have a a unverified account from XXXX # XXXX. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

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 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: This address does not belong to me. It's a Private Mailbox address with no suite number. I do not have an account at this address. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Address Identification Number : 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 non-monetary relief
Consumer complaint received 10/19/2016 about Bank account or service (Checking account) with PNC Bank N.A. (MI).
Issue: Problems caused by my funds being low

Complaint: I have pending items on my account, and a {$10.00} check came through and was processed. Even though there are pending items that have n't posted to my account ( meaning that until those actually hit, my account is still not technically overdrawn ) PNC decided that it would still charge an overdraft on the check, charging my account {$36.00} additionally dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Experian : Unauthorized hard pulls = XXXX of XXXX, XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX/XXXX/2015 XXXX via XXXX XXXX multiple hard inquires to Experian - XXXX, see attached. This has harmed my credit and credit worthiness as well as my ability to move. I have XXXX sons that I am desperate to get out of this XXXX neighborhood. They say, " where was the mother '', well I 'm here and saying " why is XXXX hurting my ability to move '' and making unauthorized hard pulls?

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 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Exeter Finance & COAF came on my   XXXX    XX/XX/XXXX  as a hard inquiry. I called both companies asking why did they pop up on my Inquires. They stated   XXXX   (  XXXX , NC ) said I was a cosigner for a car. That 's incorrect, because I have no driver 's license, nor consent to being anybody co signer. I called  XXXX  they said they had no record of me. Asking to please take these fraudulent Inquires off my credit report hindering me from progressing in life.
 XXXX  ( National Credit Card/ Airlines Are on my   XXXX    XXXX . Dates are  XX/XX/XXXX  &  XX/XX/XXXX . I 've called and they ca n't find me in their system. I do n't even know who the company is.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit card () with TD BANK US HOLDING COMPANY (CT).
Issue: Unsolicited issuance of credit card

Complaint: Td Bank / Target Card show non authorized credit inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (NY).
Issue: Settlement process and costs

Complaint: I filed a complaint with CFPB a few months ago against Ocwen Loan services, with the CFPB 's help my name and liability was taken off a forged mortgage, I now received a foreclosure letter from XXXX XXXX XXXX XXXX, phone number XXXX, I have letters from Ocwen releasing me from loan and liability, I would like Ocwen contacted immediately about this error, thank you

Company response to consumer: Closed with explanation