milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I swear that I completed the income based repayment recertification back on XX/XX/XXXX, approximately 30 days after XXXX notified me of my program ending unless I renewed. I didn't receive another notification from XXXX until XX/XX/XXXX that my program has changed. I had just spoken with a XXXX representative the previous day on XX/XX/XXXX regarding my public service forgiveness not having the correct number of payments, which the person never mentioned that my recertification documents were never received. 

Now, XXXX has capitalized approximatley $ 45K of interest and say there is nothing they can do and direct debited a payment of {$2700.00}, which normally is aroudn {$1200.00}. They said I can unauthorize the charge and do forebearance for 30 days, but lose that payment toward PSLF and there is nothing that can be done on the interest capitalization.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Upon calculation of our monthly interest we have discovered that we have been over paying XXXX dollars per month. 

Our Original principal was XXXX@5.07800 % compounded monthly. Which is around {$700.00} / month. 

Upon reverse calculation of the monthly payment we have found out that the rate being charged is 5.4 %.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have contacted Portfolio Recovery Associates LLC several times asking them why two separate accounts are still listed as in collections on the 3 major credit reporting agencies. I had paid both of these accounts back in XXXX of XXXX and the other one in XXXX of XXXX. They are still listed as in collections with a XXXX balance. I had talked with Portfolio Recovery and they had stated that they do not delete anything from the credit files. So I then contact all 3 credit reporting agencies and I was told by them that they do not delete them from the credit reports. They had went on to tell me that is up to the debt collection company. So I kept calling Portfolio Recovery asking if they could remove this information off of my credit reports. They did say they had sent out letters to the credit reporting agencies after the two separate bills had been paid. I had asked if they could send me those letters in the mail. They had told me that they could not send me those letters. They had stated that they were only for the credit reporting agencies to have. Even XXXX months after these bills had been paid they are still sitting on my credit reports as still in collections status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-06-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Failure of servicer to follow instructions outlined in BK confirmation hearing on XXXX XXXX, 2013 for property to be deeded back to investor.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I went to check my credit report on XX/XX/2017 and I notice that they were showing my chapter XXXX bankruptcy. The information that is on my credit report was pulled from a third-party reporting agency. The clerk of court of XXXX County told me that they do not report public information to the credit agency. Therefore this information needs to be deleted from all of the credit reporting agencies.

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 04-08-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: This is concerning capital one on a fraud that was made to XXXX credit cards with them back in XXXX I was scamed by XXXX people concerning my credit cards a person named XXXX XXXX had made payment on both of my credit cards and had me get the cash and send to XXXX XXXX via XXXX XXXX to XXXX XXXX in a XXXX week period this happened XXXX to the sum of XXXX dollars I had a credit limit of XXXX dollars but now I owe over XXXX the payments made to my cards was withdrawn by the bank that submitted payment but they only put XXXX card in fraud and refuse to put both cards in fraud unless they here from XXXX XXXX to verify that he made payment to the account everything happened at the same time i have tried to get them to work with me on this situation I blame them for allowing me to go over my limit by that much money is just crazy and why did they not make sure payment was secure before releasing cash to me what can I do about this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have made numerous attempts to access my free credit report from Experian through XXXX. Although the other credit reporting companies have provided me with my report, my request from Experian always meets with the response " A condition exists that prevents Experian from being able to accept your request at this time. '' There is no way to speak directly to a human being about this problem : the company 's telephone number simply leads me back to recordings that direct me to the website or tell me to make the request by mail. The point of the annual credit report website, however, is to make this information available online. Their refusal to provide any means of contacting the company through normal channels is unacceptable Experian has provided me with no way even to seek redress about this problem, so I submit the complaint here.

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 02-06-2018 about Checking or savings account (Other banking product or service) with Fidelity National Information Services, Inc. (FNIS) (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contacted the ChexSystems about two accounts thats showing on my file. XXXX and XXXX XXXX. I have asked chexsysystem to remove these accounts but they refuse to do. I would like Proof that these accounts belongs to me. XXXX sent me some bank statements. thats not what I would like. I want some the orgianal documents from XXXX and 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 04/25/2017 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My letter to the company. They are trying to get money from me which I dont owe and steal my Identity. It makes me nervous because its on the collection now.     Request Ty pe I ha ve a dispute   XXXX    XXXX  - DEBT COLLECTOR Consumer ID  XXXX  Request Date 2017-  XXXX    XXXX  Details Hi, I received a collection notice from this company in the mail for the amount of {$25.00} fo r PayPal company. First of all I DO NOT have any PayPal account. I do n't even-know how pay Pal works. Second, this is only {$25.00} I dont have any reason why I will not pay this small amount. I would like to know what is this transaction, and please als o advise where did I purchase this transaction?? I would like to file a police report on this if this is proven not my purchase. I am worried now that my Identity is know stolen. Please advise asap so that I investigate what happened in this amount. Thanks, Account  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 non-monetary relief
Consumer complaint received 04-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I initiated a dispute with Transunion regarding the reporting of a bankruptcy on my credit file. The dispute was submitted on XX/XX/2018 and I was notified that it had to be processed manually. I have yet to receive any follow up within the 30 day window for this dispute. I understand that it may take additonal time and waited until the 45 day mark. It is a few days away from the 60 day mark which is unacceptable. Transunion should be very well aware how costly inaccurate items on consumer credit reports can be. I have attached the confirmation page I received from submitting the dispute on XX/XX/2018.

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 12-12-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have tried fro XXXX months to have the XXXX credit bureaus verify incorrect information on my credit reports and i have not received any replies.. i even sent letters certified to make sure they received them and nothing to this date.. They have violated the FCRA and at this point and time they must delete all negative items from the reports .... I hope you are able to contact them in this matter as it has brought me to my wits end. Thank you for your time

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 03/14/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax makes you unable to access dispute information to even see if it was filed. I was able to get a correction for collections on my report removed from both other agencies but equifax phone support transfers you over to people in the XXXX/outsourced, where they do n't resolve, have no knowledge of, and try to sell you a service to basically get it deleted, maybe.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Debt collection (Auto) with CAINE & WEINER COMPANY, INC. (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I never received the right to dispute these accounts. The early warning - notice clause of FACTA section 623 ( A ) ( 7 ) .his law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Caine & Weiner are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XX/XX/XXXX I had disputed a bankruptcy that has appeared on my credit report. Today XX/XX/XXXX I called eqiifax regarding the outcome of the investigation since its been over a year. There response was it was still under investigation, So I questioned the CSR do you abide by the the laws set-forth under the fair credit reporting act. The CSR response was yes. So my answer was to him under the fair credit reporting act its been over a year it need to be removed because it was not verified. Again his response was its under investigation. This is the issue at hand and needs to be resolved its like they are above the laws set forth under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Advertising and marketing

Complaint: Received mail flyer showing XXXX bonus miles to sign up for Mileage Plus XXXX credit card from Chase Manhatten Bank and when your go to the website the offer is XXXX bonus miles. False advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax shows XXXX accounts as " late '' or " delinquent ''. All XXXX of these accounts were subject to a bankruptcy processing of XXXX 2013. I have asked for numerous investigations by Equifax , but they refuse to remove or correct the information. Equifax currently refuses to reinvestigate the information, as they say they have already investigated my complaint and/or they say they have verified the information with the data furnisher. This is all despite the fact that I have furnished Equifax with all of the paperwork from the bankruptcy proceeding, which shows that I can not possibly own anything on these accounts, and they should have been showed " closed '', with " XXXX '' balance as of XXXX 2013. These accounts can not legally be shown as late or delinquent, as this is not a legal condition possible at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2016 about Debt collection (I do not know) with AFNI INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Afni Inc has placed a fraudulent trade line on my credit report in order to extort monies from me that I do not owe. I have ask repeatedly for Afni to validate the debt per the FCRA/FDCPA and they have failed to do so. There negligence is causing me personal injury. 

Bogus account number listed on my credit reports is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (Other debt) with AFNI INC. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In the summer of XXXX, my wife and I received a collection notice from a company calling themselves AFNI attempting to collect a {$3800.00} debt that they claim was incurred with XXXX. The notice contained a demand letter, a return envelope and was written on official looking letterhead, giving an address of XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. 

The notice contained an offer to immediately eliminate the debt if we paid {$1900.00} ( half ) the amount due. 

Additionally and around the time we received the letter, we began receiving collection phone calls to a number we use for messaging. These calls were received 24 hours a day and often times occurred more than a dozen times in a 24 hour period. 

Neither of us has ever had an account with XXXX, although one of us was the victim of identity theft in XXXX of XXXX. We immediately pulled our credit reports and there was no appearance of a bad or delinquent debt owed to anybody. In fact, our credit scores were remarkably good. Of note, however, was an enquiry made by XXXX during the period of theft, however no other mention of this phone carriers is or has been made since. 

We contacted XXXX directly and verified that neither of us had ever held an account with that carrier and that none was currently in existence. 

We further contacted, in succession and over a couple of months time, the local police agency, the attorney general 's office in our state and the FTC, who directed us here. 

Reviews on the internet suggest that this is a predatory company attempting to defraud people into paying them quick cash, as indicated by the inclusion of credit card logos and forms.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Student loan (Federal student loan servicing) with MOHELA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I have federal stafford loans serviced by Mohela. While earning a subsequent degree, Mohela placed my loan into deferral 3 times " automatically ''. This occurred despite my written request to them, per their instructions, to not automatically enter the loans into deferent. 
On each occasion it has taken me at least one month to notice Mohela 's error however try havenot been willing to retroactively remove the ( albeit minimal ) extra accrued interest. 

When speaking with their staff, each time this happens I 'm told that my account is in order to prevent auto-deferral and this wo n't happen again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Struggling to pay mortgage

Complaint: Due to us filing previous class action suits request on behalf of ourselves and other consumers like us. Sub Servicer Bayview Loan Servicing purposely targeted us due to our XXXX and filed a foreclosure on our home and dual tracked us while in a current active workout with them. Sub Servicer Bayview Loan Servicing has bullied, harassed and retaliated against us for multiple years and purposefully strung the workout out on a modification agreement with us for a year while we made payments to find out if S.J. 47 would pass or not. Therefore, we are requesting that all of our class action complaints filed with the Consumer Financial Protection Bureau and the Arizona Attorney General be grandfathered. 
S.J. 47 states : " Congress disapproves the rule submitted by the Bureau of Consumer Financial Protection relating to Arbitration Agreements " This joint resolution nullifies a rule submitted by the Consumer Financial Protection Bureau XXXX CFPB XXXX regarding arbitration agreements. 
XXXX The rule regulates the use of arbitration agreements in contracts for specific consumer financial products and services. It prohibits the use of a predispute arbitration agreement to prevent a consumer from filing or participating in certain class action suits. The rule also requires consumer financial product and service providers to furnish the CFPB with particular information regarding arbitrations. ) ''

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: This complaint is of a general nature and impacts others, not just myself. On XXXX/XXXXXX/XX/2015 I attempted to place a security freeze with the XXXX credit bureaus, XXXX XXXX and Transunion. With XXXX and XXXX I found the process straightforward and simple. Transunion on the other hand required me to open an account with them in order to place, manage or remove the freeze. With the abundance of accounts and their various insecurities I balked at creating yet another account. Is there any way to advise Transunion that their method only adds to the concerns of users rather that eases them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are two XXXX XXXX XXXX XXXX accounts for which I was an authorized user on and not the primary accounts holder or the person responsible for these accounts that Equifax is reporting as I 'm the responsible party when in fact in the credit reports it states I 'm simply an authorized user ...

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Mortgage (FHA mortgage) with Pacific Union Financial, LLC (PA).
Issue: Struggling to pay mortgage

Complaint: Pacific Union Financial LLC Borrower : XXXX XXXX XXXX Secured Property : XXXX XXXX XXXX XXXX PA XXXX Loan # : XXXX I suffered a no fault job loss in XX/XX/XXXX. I immediately notified my lender of my situation. I filed a previous complaint due to the difficulty I had in communicating with my lender to receive a special Forebearance Agreement as requested. Once the CFPB notified Pacific Union of my complaint, I was granted the Forebearance Agreement. This agreement was for XXXX months ( XX/XX/XXXX through XX/XX/XXXX ). 
I applied for a loss mitigation and submitted a complete package onXX/XX/XXXX reflecting my then recent and new re-employed status. I am 100 % sure my application was submitted complete, because I used the exact same format that they had marked as complete in XX/XX/XXXX when they required me to submit the loss mitigation application in order to get the Forebearance Agreement ( even though it made no sense at that time because I had no income to be approved for a mod back in XX/XX/XXXX ). 
On XX/XX/XXXX Pacific Union paper mailed me correspondence that did not reach my property address until XX/XX/XXXX requesting documents that had already been submitted. The letter said I had until today, XX/XX/XXXX to submit the complete loss mitigation application. I resubmitted as requested on XX/XX/XXXX, ( 2  days after receiving this letter ) I have had no update on my loss mitigation application ( approval, denial, or confirmation of the application being complete - even though it was submitted complete initially on XX/XX/XXXX.
On XX/XX/XXXX Pacific Union Financial filed an Action for Foreclosure against me for the property at XXXX XXXX XXXX XXXX PA XXXX, Is this not in fact  Restricted Dual - Tracking? 

Please advise. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Debt collection (Credit card) with Blitt and Gaines, P.C. (KS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection I received a dunning letter signed by XXXX, an attorney. I sent a timely response disputing the alleged debt and demanding that he cease and desist from any further collection activities until he validated the alleged debt. 
The attorney filed a lawsuit against me within the thirty ( 30 ) days. I have had to defend in court while another attorney continued to send dunning letters without validating the alleged debt. 
In court, XXXX, the attorney for plaintiff is shifting the burden of proof onto myself, the defendant.

Company response to consumer: Closed with explanation