milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2017 about Student loan (Private student loan) with AES/PHEAA (IL).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: My XXXX student loan was bought by XXXX. They said they were going to move the student loan over to the XXXX system, and give me a 71 % discount on the loan. I have n't been able to make any payments because I am paying the XXXX student loans. 

It is showing that this loan is going in default, and also that the loan has n't been switched over to XXXX. 

I am filing this to get a deferment so that the XXXX Student loan can be transferred over at the new 71 % discount rate, which would make the loan originally less than XXXX dollars. 

The implementation of the loan onto XXXX 's website has taken so long it has started affecting my credit score. 

I tried to call AES to put the loan on forbearance or deferment but to no avail they will not work with me to do the deferment. 

I need it to be deferred XXXX more months. So the loan can be transferred over to XXXX, and be rolled into the bankruptcy settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I submitted credit dispute letter and police report to Equifax on 4 different times requesting to hard inquiries removed as I didnt authorize the inquiry and have been a victim of fraud the bureau refused to removal the inquiry stating inquiries are a matter of factual record ... how can these inquiries remain on my file when I have proved Im a victim please sssist The inquiries in question are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX and XXXX I have never authorized any inquiries on any dates

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CT).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Currently have a high balance on our credit card and are struggling to make the minimum payments every month. We have noticed that the interest on our statement every month is more than half of the minimum payment that we are paying. I have reached out to the credit union regarding this matter of lowering the payment since they were the ones that originally issued the card to us, and they informed me to call the card company itself. 

After calling the credit card company they told me that they can not do anything and that I should reach out to the credit union. Spoke with XXXX at XXXX XXXX XXXX on XXXX XXXX, 2017 and he just gave me the run around that he could not really help us at this time. We have always made the minimum payments on time, but with my husband going through XXXX treatment and medical expenses racking up along with student loan expenses and we are having severe issues with our home in CT, I am just looking for something that will lower the interest rate on this card so that our monthly payments could hopefully start making a dent in the balance.

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 02-09-2017 about Debt collection (Medical) with M. G. Credit, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have XXXX Collections from MG CREDIT for the amounts of {$570.00} acct # XXXX and {$800.00} acct # XXXX. Both were Wellness/Annual Visits. I had XXXX of Florida Insurance and was an Employee at the time of service. These services are covered at 100 % per my medical insurance. These are collections from 2013. I have disputed and reported these charges with all XXXX and XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (VT).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I recently reviewed my credit report any observed that JC Penny is reporting 3 late payments, XXXX, XXXX, and XXXX. I do not recall be late on any monthly required payment with my JC Penny credit card account. I respectfully request that JC Penny provide me physical proof that the late payments reflecting on my credit report is accurate.

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 05/20/2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (FL).
Issue: Trouble during payment process

Complaint: I made a mistake with my  XXXX   XXXX  taxes for  XXXX , and  the county allo wed me to fix the mistake. Upon the mistake being corrected,  the county i ssued a check for the amount of {$830.00} for over-payment of taxes from escrow. This check was dated   XXXX   and cashed on   XXXX   with the check number  XXXX . The check was mailed to  Loan Care  at  XXXX   XXXX   XXXX   XXXX .  XXXX ,  XXXX   XXXX  in  XXXX , Fl.     I have contacted  Loan Care  multiple times to have either a refund distributed to myself,  the county , or my mortgage holder. Everytime  I  contact them, they attempt to locate an account which does not seem to exist. I am not in their system. My wife is not in their system. My address is not in their system.     How can a check be deposited into an account without being allocated to the appropriate party? How is there not a record of deposits on   XXXX   that can be looked at in order to locate how the check was allocated within their system?     I have been told a manager will contact me back. This did not happen. I have been told to collect more information from  the county . This has not aided.

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 06/25/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen held me up for XXXX year and never granted me a modification.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with SUN LOAN COMPANY INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a validation letter to Sun Loan Company on XXXX XXXX, 2015 requesting they provide evidence about the note loan that they claim I owe them. XXXX XXXX XXXX XXXX provided a response to on XXXX XXXX, 2015 stating that I needed to provide a government ID or my social security information. This is a suspicion request since they are not listed on the credit report as a collection agency. I do n't think that I should provide my social security or government identification to this agency.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2016 about Bank account or service ((CD) Certificate of deposit) with BB&T CORPORATION (NC).
Issue: Deposits and withdrawals

Complaint: I filed a complaint reference # XXXX. I received a response that the inquiry was satisfied in 2008. Not SATISFIED!! I was not offered any documents supporting the evidence of this TRANSACTION. I have the ORIGINAL CD in my possession. I have contacted the representative XXXX XXXX directly at ( XXXX ) XXXX. I have received no response. I contacted BB & T before the initial complaint was filed in person at my local bank, then by phone at the XXXX office with NO RESPONSE at ALL. The documents supporting this TRANSACTION I would LIKE to have sent to me VIA emal and mail ASAP. I am attaching THE REAL AND ORIGINAL COPY OF THE CD that I am seeking for my funds due to ME ....

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 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I FAX DOCUMENTS AND I EMAIL DOCUMENTS AND NO ONE HELPING ME FIX THIS ISSUE. I APPLIED FOR CREDIT AND WAS DENIED BECAUSE MY REPORT SAID I HAD NO CREDIT HISTORY. I SHOULD N'T BE CHARGE THESE INQUIRIES IF THEY ARE NOT GOING TO PROPERLY GIVE OUT MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Synovus Bank (WV).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: For like the fifth ( or sixth? or maybe tenth ) time now, a late fee has been assessed after my bank initiated an electronic bill pay on or before the due date. As is now the case, Bank Bill Pay or mailing a payment are the only methods available to pay the bill, as bill pay outlets ( That XXXX XXXX says is a payment option ) can not find " XXXX XXXX '' or " XXXX XXXX '' in the XXXX XXXX or XXXX XXXX, and eCheck drafting on XXXX XXXX ' website has since been removed long ago.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit reporting () with EQUIFAX, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: We request that the XXXX reporting agencies block negative credit information reported on our credit reports due to Identity Theft. During XX/XX/XXXX and XX/XX/XXXX, XXXX ( XXXX ) credit cards with small credit lines of {$300.00} to {$1000.00} were fraudulently opened in my name with my information and were maxed out and abandoned. 
In that we rarely use credit, we did not know about these credit cards until we obtained our car loan XX/XX/XXXX, at which time we received our credit report for the first time. 
We reported that these were fraudulent cards and that they should be blocked on our credit report. 
In that we are planning on getting another car loan in the near future, I requested copies of my credit reports and see that these items are still on my credit report. It is clear when reviewing our credit report that we have credit cards and an auto loan from a long time before XX/XX/XXXX/XX/XX/XXXX and since that time which have always been handled as a agreed with very few late payments. Only the cards that were issued without our knowledge have not been handled as agreed and were charged off. The fraudulent cards inappropriately reported on our credit report do significant damage to our credit score. 
We request that the XXXX credit reporting agencies immediately block these fraudulent cards from our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I purchased a TV at Amazon, and i used a promotion of 0 % interest for 24 months. As i had 24 months to pay with no interest, i set up an automatic payment thru XXXX XXXX XXXX, to pay a monthly amount until the amount was paid in full. The value of the tv was XXXX on XX/XX/XXXX I voluntarily started sending a monthly amount of XXXX the XXXX of each month, because i had 24 months to pay. By XX/XX/XXXX, i had paid the amount of {$1700.00} plus the remaining balance to pay it off of XXXX= XXXX. My surprise was when i realized that the bank charged me XXXX late fee each month since XX/XX/XXXX, and they charged me interest too, when it was a no interest for 24 months. I spoke to two account managers at XXXX ( XXXX and XXXX ), and they told me that they can only remove a late fee per year. That i had to pay XXXX to pay off the account. I made a payment by phone of the {$200.00}, and then they charged me the same amount back. I told them that i never missed a payment, that i always had the intention to pay, but in my mind i was sending voluntary payments and never thought the bank was charging me late fee for almost 2 and a half years. They did not do much. I dont think it a just practice to pay all those fees when i can prove i was in compliance with my payments to the company, the only thing that was not matching was the due date. I was committed to comply with my obligation with the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-04-2018 about Debt collection (Other debt) with ACIMA CREDIT, LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I purchased 3 mattresses with XXXX XXXX in XXXX Texas for {$1200.00} on XX/XX/XXXX. I just finished making last payment of {$100.00}. When I finished paying XXXX XXXX, the total amount ended up being {$2500.00} ( which is totally outrageous ). Never received any emails or calls from the until today. I got a phone call onXX/XX/XXXX and then a email followed shortly, stating that my account was past due and they had attempted to contact me several times. In the email, it also stated that if a payment was returned the fee would be XXXX and I will definitely admit to my account was overdrawn from XXXX. But logging on to to the website and speaking with two different Reps with Acima they started I was being charged XXXX since my payment was returned and that since my payment was due on XX/XX/XXXXXXXX. I was being charged XXXX and that I had 4 days to pay that amount before my credit would be affected. I do n't think it 's fair that they are able to overcharge me for the returned payment which I planned on taking care if but the extra fees on top of I paid XXXX extra ... .please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have contac ted Nelnet and g otten NO remlief. They are reporting  XXXX  accounts, late payments and the info on the credit file i s INCORRECT. I hav e requested the original signed contract and complete payment history They provided and I will attach it. It does NOT have the entire payment history becau se Nelnet sold the account to a third party ( whom I contacted and they said they DO NOT have the payment history at the time they had possession of the account ) I submitted the proof of Nelnet  having  XXXX  accounts and making them ILLEGALLY copbined sub and unsub loans to then report them as  XXXX  loans and showing late payments without PROOF of the entire history and that IS ILLEGAL according to the FCRA!! I contactd the CRA 's and even had a RECORDED phone call wi th NELNET  and  XXXX . NELNET ADMITTED THEY DO NOT HAVE THE COMPLETE INFO AND ARE REPORTING PARTIAL INFO AS THAT IS ALL THEY HAVE They claim it is legal for them to break the  XXXX  loans into  XXXX  and report them however they wish!!! This is and has been a battle for nearly a YEAR. NELNET is NOT IN COMPLIANCE with ALL credit reportinglaws and IKNOW it and are NOT doing anything to correct it as the FCRA states clearly REMOVE the account there are factual data errors on the account! It is ILLEGAL to re-age the loan ( ONLY  XXXX  LOANS ) and make them  XXXX  to report or to change or report ANYTHING they can not PROVE IN FULL!!!!! I want this account and ALL accounts reported  by NELNET REMOVED AT ONCE!!!!! IN THE VERY PROOF NELNET HAS THEY SHOW THE FIRST DATE OF DELINQUENCY IS OVEr 7 YEARS OLD!!! That is grounds for IMMEDIATE removal!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Student loan (Federal student loan servicing) with Georgia Student Finance Authority (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: 1. GSFA is reporting a student loan with late payments for XX/XX/XXXX.
2. I disputed this as inaccurate with all 3 credit reporting agencies based on a deferment but the payment history was " verified '' by GSFA.
3. I requested an investigation by GSFA giving them documentation from the current servicer showing the student loan was approved for a deferment, therefore could not be late when no payment was due. 4. I requested a hard copy of my GSFA payment history and deferment do
cuments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Per phone call to GSFA, they advised me that I was approved for a student loan deferment to cover XX/XX/XXXX but refused to provide me with any copies of this approval when requested.
5. Section 623 ( a ) ( 2 ) of the FCRA states that GSFA has a duty to update information to the most current information. The retroactive deferment changed the accuracy of their reporting and must be updated to reflect the corrected accurate information showing no payments were due for the above dates. 

GSFA is reporting missed payments for reporting periods requiring no payments.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have made several attempts for this company XXXX XXXX to provide proof of account ownership and they have not sent any information over to me. I have also called XXXX XXXX which was the original creditor and they said that they do not have any information on me and I need to contact XXXX XXXX. I have disputed this account since 2016 several times with all 3 credit bureaus and they have not provided me any information that I asked for as far as verifying this debt. I have never lived in these apartments. Either send me a lease stating that this is my account as I requested several times or remove this 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 non-monetary relief
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I reviewed my credit report all three bureaus and saw a company called XXXX had pulled my credit. When I contacted said company from the address which was on the credit report they were unable to send me a copy of a signed application in which I had granted them permission to access my credit. I then called them to find out they had no documentation in which I had provided to them or any company who subscribed to their service permission to access my credit all they did was send me a copy of emails in which I spoke to a mortgage broker.

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 11-03-2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Other

Complaint: I contacted Best Buy Credit regarding a Hard Inquiry placed on my XXXX report dated XX/XX/2015. Best Buy Credit has no account or a record of application. Best Buy Credit refuses to submit a removal or resolve the situation with XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (MS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've tried multiple times contacting the company and they tell me they have no idea who I am but I can not delete anything off of 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 10-09-2017 about Debt collection (Medical debt) with Sequoia Financial Services (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Collection agency sent documentation to me showing that I have a XXXX balance but they are trying to collect interest. They have over 10 accounts that are like this.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Debt collection (Medical) with United Collection Service, Inc (FL) (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received notification from them and was given 30 days to dispute the charge, which I did, and that letter was apparently ignored as the next thing I received from them was a " Credit Bureau Notification. '' I disputed the amount of the original charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I was banking with Bank of America when I lost my card and somebody else used it, I tried to open a checking account with XXXX XXXX and I was denied because of a fraud report. When I lost my card days later I got I knew one then I informed Bank of America what happened and I was told I made a claim and I will not have to pay anything. Now I need a checking account for direct deposit and I cant open any accounts. A check was deposited in my account for XXXX dollars but it wasnt accepted, then another for XXXX dollars Im 2017 and I was told nobody got any money.

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 08/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TOWER LOAN OF MISSISSIPPI, INC. (OK).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: I owe a debt to Tower loans. It is a signature loan. They are threatening to garnish my SSI XXXX checks. I am under the impression that they can not do this. I am a single mother with health issues and this is my only form of income. I have expressed to them that I can not pay and that I have to file bankruptcy. They call me Constantly and have shown up at my house XXXX.

Company response to consumer: Closed with explanation