milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-12-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I received two XXXX Grants : ( a ) {$3000.00} for Award Year XX/XX/XXXX-XX/XX/XXXX and ( b ) {$4000.00} for Award Year XX/XX/XXXX-XX/XX/XXXX Conditions of the XXXX Grant that would prevent it from converting to a Direct Unsubsidized Loan were : ( a ) I must XXXX as a full-time highly qualified XXXX in a high-need field, ( b ) I must submit annually a XXXX Grant Certification that states my intent to fulfill my XXXX Grant obligation and to document the the prior year 's qualified XXXX  service. 

I started XXXX at XXXX XXXX XXXX XXXX ( XXXX XXXX TN ) in XX/XX/XXXX and I sent certification for the calendar year of XX/XX/XXXX-XX/XX/XXXX.
I graduated with a XXXX on XX/XX/XXXX. ( Evidenced ) In a letter dated XX/XX/XXXX, XXXX  XXXX stated that my XXXX Grant Service Obligation Period Start Date was XX/XX/XXXX. ( Evidenced ) During the XX/XX/XXXX-XX/XX/XXXX school year I remained at XXXX XXXX and submitted certification for calendar year XX/XX/XXXX-XX/XX/XXXX. Due to confusion, this certification was sent on two different dates ( XX/XX/XXXX and XX/XX/XXXX ). ( Certification 1 ) ( Evidenced ) I transferred to XXXX XXXX XXXX for the XX/XX/XXXX-XX/XX/XXXX XXXX year. Certification for Calendar year XX/XX/XXXX-XX/XX/XXXX was submitted on XX/XX/XXXX. ( Certification 2 ) ( Evidenced ) I received a letter dated XX/XX/XXXX from XXXX XXXX confirming that I had two years of certification requirements remaining. ( Evidenced ) Certification for XX/XX/XXXX-XX/XX/XXXX was submitted on both XX/XX/XXXX and XX/XX/XXXX. ( Certification 3 ) ( Evidenced ) I received a letter dated XX/XX/XXXX from XXXX XXXX confirming that I had one year of certification requirements remaining. ( Evidenced ) Certification for XX/XX/XXXX-XX/XX/XXXX was submitted on XX/XX/XXXX. ( Certification 4 ) ( Evidenced ) A letter dated XX/XX/XXXX from XXXX XXXX confirmed and stated that " ... you have fully satisfied your service obligation for the program of study ... and ... You have no further XXXX, certification, or other obligations for these grants. '' ( Evidenced ) XXXX XXXX then notified me that the XXXX Grants had been turned into unsubsidized loans. 

I have made repeated phone calls to XXXX XXXX  to correct the error. 

In summation, my last XXXX Grant was received for the XX/XX/XXXX-XX/XX/XXXX XXXX XXXX year. I graduated from the XXXX Grant eligible program on XX/XX/XXXX. I then fulfilled my 4 years of XXXX and certification requirements for XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, and XX/XX/XXXX-XX/XX/XXXX. It is my contention that XXXX XXXX has either erroneously or fraudulently converted the XXXX  Grants into unsubsidized loans.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Billing disputes

Complaint: I have cancelled a creditcard issued by Bank of America the year of XXXX, for fraudulent issue, I have requested it closed since then and have not used the card. Last year XXXX I was suprise to see a charge of {$99.00} on that closed account. I called the BA credit card nos. and dispute about such transactions and question them about why was there a charge on my account and it was closed .They answered it came from XXXX XXXX, and I told them so what the card was closed why would you allow it to be used. The person I spoke to said in that time said they will take care of it. 
I never had access to that account anymore for it was closed, it was also never connected to my online banking, at that time. 
Today I discovered through the email message from that bank sent to me, that the original {$99.00} charge was now incurring an interest and they kept the account open even if requested it closed for 2 years now.Again I called the Credit Card nos./company and dispute about it, and I was informed as long as there is a recurring charges, even if the account was closed by the customer, it will still incur charges.I called the company that keep charging my account and informed them to stopped those charges for the account was closed, I was told that they were never informed the account was closed, because the charges kept going through. 
So with this conversation and discovery I as a customer has no total security and control over this closed credit card because of this ridiculous activity of Bank of America, I ca n't even used the said credit card but a certain company can keep using them on my behalf. 
What happened to my rights as a consumer?

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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I submitted a dispute against XXXX XXXX to all 3 credit reporting agencies. XXXX XXXX advised Experian to DELETE XXXX XXXX account from my credit report. Experian has deleted all information about my XXXX XXXX account as if the past 5 years of excellent credit with them did not exist. XXXX XXXX does not have the right to have any information deleted from my credit report!!! And the credit reporting entity should not have deleted information without consulting me first.

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 12-11-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Payoff process

Complaint: regarding citi account : XXXX Since XXXX, I have paid {$6.00} in interest and {$100.00} in fees on a balance that I called and scheduled a transfer for. I thought the account was paid in full, and that I had called and asked for the account to be closed. Citi did not close the account, and they did not make the transfer as requested. however, they did STOP sending monthly statements so I was unaware that they had not completed the transaction. 
I discovered that there was a remaining balance when they called my house on Saturday XXXX XXXX at XXXX XXXX and discussed my credit past due with someone in my household without confirming that they were speaking with me. When I called to pay off the balance in full, they could not calculate a final pay off number, so I have to pay off the remaining balance of interest again next month. Terrible experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Called a number that I thought was navient ( XXXX ). This number was given by a XXXX ad subscriber with the web address www.navientinfo.com or www.navient-info.com individual that answered claimed to be from navient. Tried to get me to log them into my fedral fasfa website. Went as far as putting my email in and sending me the reset email and asked for the password reset code. Obvious identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have submitted multiple dispute letters in regards to inquiries on my credit report that I did not authorize. I have not received a response or any documentation that can support these inquiries. Credit agency has not removed inquiries in question. I will list them below and am demanding said items removed from report immediately. 

XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX ; XXXX/XXXX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are a lot of hard inquiries listed on my credit report that indicated " unknown or unspecified '' company. I asked them to removed them because I have no knowledge of what the companies are and who requested a copy of my credit report. I was notified by XXXX Agencies that there personal files was hacked and my information along with others were taken. Then when I heard about the breach in the Equifax I decided to pull my credit report to see what my reports look like. I noticed a lot of inquiries and inaccurate information that I am trying to dispute or investigate. For the past year or XXXX I have paid a lot of things off and the only thing I applied for was an automobile loan back in XXXX XXXX. How is it fair for a Credit bureau to report unspecified information without listing where the information came from especially if the source is not verifiable or validated.

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 12/20/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There are XXXX state liens on my credit file. They are not my state liens. They are associated with another person at a different address with my name apparently. After telling this to the bureau over and over again, they have refused to remove it. I even contacted the courts and they stated that they do not communicate and verify information on state liens to the credit bureaus. And XXXX courthouse do not have anything with my complete SSN and address on file. So, I need to know how do the credit bureaus verify, especially if it is not through the main source. And, who gave them permission to do so, if that is what they did. it is obvious that they have the incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2015 about Debt collection (I do not know) with P&B Capital Group, LLC (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company is calling my relatives and leaving messages regarding my " case '' number. I have no idea who they are, but I do know that this tactic is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (FL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I phoned XXXX XXXX because the agency is reporting a charge off of {$73.00} that it is also being reported in duplicate by Enhanced Recovery. The representative with XXXX  instructed me to call enhanced recovery, when I called enhanced recovery they denied that they were continuing to report it. I believe that this account is being reported in duplicate and that the agency is in advertently reporting it and that the account is too old to be continually reported. 

Date Reported XXXX XXXX, XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account XXXX XXXX XXXX ERC XXXX XXXX XXXX XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Age Of Account 5 Years, 1 Months Credit Limit Not Reported Highest Balance {$73.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX FL 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 02/17/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Me and my wife worked to pay down our conventional 30 mortgage with Bank of America to get below an 80 % LTV so that we could cancel PMI. Once we reached below 80 %, I contacted Bank of America to inquire about PMI cancellation. The representative informed me that our loan to value ratio did indeed qualify for cancellation of PMI. He told me that he submitted the request and to allow up to 4 weeks to get a letter indicating approval and conformation of cancellation of PMI. I asked if there was any reason that the request would not get approved. He said it will get approved as long as long as there where no late payments in the last 24 months ( there where no late payments for the entire loan period ). A couple weeks later, I get a letter from Bank of America stating that my request for cancellation of PMI was denied because the current LTV ratio of my loan has not met the established requirements to summit a request to cancel PMI. They also attached a form with with instructions to use there appraiser to pay for a new appraisal if the current value came back at less than 75 % LTV. Looking around at other complaints on Bank of America, It appears to me that this is standard practice for them when it comes to people canceling PMI.

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 06/22/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Brennan & Clark, Ltd., LLC (CO).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX, of Brennan & Clark Ltd., told my receptionist that they are going to take over my bank account, and that was going to drastically affect " her '' paycheck. He also asked her if we ( my company ) were closing up the business or taking out bankruptcy. 
I thought this was illegal? He has no business telling anyone about " my '' business. 
Not only are they harassing me and my employees, but the amount of the debt was in dispute with the person I owe this money to. We have resolved the issue and they have worked out a payment plan with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 12-01-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The company attempted to sue me without providing proper validation for a debt they claimed I owed to another company. I went to court and there was a judgement filed. The judgement was was Dismissed with Prejudice and I want it removed from my Credit reports as a collection account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (HI).
Issue: Loan modification,collection,foreclosure

Complaint: I submitted a complaint XXXX XXXX, XXXX ( Case number : XXXX ) attempting to resolve an issue with a home equity line of credit with Countrywide that ended up with Bank of America. An attorney from an XXXX practice replied, so I thought it was third party, but later I found out they were representing B of A. I replied to the inaccuracies of that initial response letter, but was never given the opportunity to talk with anyone with authority to resolve the issue. XXXX XXXX, XXXX I wrote same attorney again since I never heard from B of A and the 6 month extension the foreclosure attorneys had filed in XXXX had passed. AGAIN I asked to pay the money I owe. On XXXX XXXX I received a motion for summary judgment. XXXX suggested I call the filing firm, XXXX XXXX XXXX XXXX XXXX XXXX, to request a settlement. I was told the figures in the motion that was filed on XXXX XXXX are not accurate, that they reflected figures from XXXX XXXX, which does n't make any sense to me. I was told I can negotiate only with B of A. I have called XXXX XXXX for XXXX XXXX and their supervisor XXXX on XXXX, then her supervisor XXXX XXXX on XXXX, then her supervisor XXXX on 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 10-06-2016 about Debt collection (Medical) with Jon Barry and Associates, Inc. (SC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On XXXX/XXXX/XXXX I was alerted by XXXX that there was a new entry added to my credit report. The collections agency that had reported was Paragon Revenue Group. They were stating that I owed {$180.00} in the year of XXXX. They stated that i was seen in the month of XXXX of XXXX at XXXX XXXX XXXX XXXX XXXX. I explained that I have no knowledge of ever being seen on that date. I also explained that I called the hospital and asked them to run my social, dob and name to see if they had any past due accounts or medical forms or records by any name. They informed me that they had nothing in the year of XXXX. The only thing they had was when i was brought in XXXX by my mother and the amounts that were due at that time was XXXX for {$55.00} and XXXX for XXXX even. I also went to their online site and put in the account number that paragon gave me and there was no record of it. I called paragon and informed them of all this They then sent me to someone that " handles those type of accounts '' which was a voicemail. I then called back and a man answered the phone and tried to tell me he was someone else when he clearly was not. He then transferred me to another voicemail. At this point I was very frustrated and called back and demanded to speak to a person. A lady got on the phone and told me that this was a debt from XXXX of XXXX. I repeated that I had never been to the hospital around that time and informed her of the information that was given to me by XXXX XXXX. I also let her know that taking old debt that is past the statute of limitations and trying to collect on it was illegal. This has caused major problems with my credit score as they have been reporting to all major credit reporting agencies. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I was a victim of Idenity theft by a man named XXXX XXXX XXXX who claimed he fixes credit and had a company called XXXX @ XXXX construction he was a con man who put things in my name and never paid. He went to jail for doing this scam to many people and he may or may not be out of jail now ... He put a mortgage in my name from XXXX bank it has been removed from some credit agencys I need it removed from all

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Back in XXXX my mortgage company fail to pay property taxes for my house, and on XXXX XXXX my town was going to sell my house on a public sell due to unpaid taxes. I contacted the bank immediately and the taxes were paid including any late fees and penalties, but the next year they adjusted my escrow account. It increased by about XXXX XXXX dollars for about twelve months. My mortgage was sold to my present mortgage company back in XXXX. I had an escrow with the other mortgage company that had the founds to paid for the taxes and insurance for the year XXXX. I had contacted the bank several times with the problem, and I had been told that they are going to investigate, but nothing. When they adjusted my mortgage in XXXX ; I went late on my payments, right now I am 1.5 months behind with a bunch of late fees and penalties on top of that. I know that the mortgage company owns me the money, they made me pay when they adjusted my escrow account in XXXX, because that money was paid in XXXX to the previous mortgage company. 
Please contact me with any questions and help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2015 about Mortgage (FHA mortgage) with CARDINAL FINANCIAL COMPANY (IL).
Issue: Application, originator, mortgage broker

Complaint: I attempted to lower the current, 7 %, interest rate of my home by refinancing. I was contacted by Cardinal Financial Company to refinance my mortgage ( recorded ). I told the Cardinal representative about prior attempts to refinance and prior appraisal fees paid. I was NOT willing to pay for another appraisal. I also gave the Cardinal representative underwriting information that would be on my title search. I was trying to be as transparent as possible. This representative assured me that I should have NO problems acquiring refinancing. I subsequently paid the {$470.00} for an appraisal. After 82 long days of meandering, Cardinal denied my refinance. I feel that if lending institutions did the underwriting, credit check, etc. FIRST ; they would then ascertain what an appraisal amount should be. Instead they collect appraisal fees FIRST. Sounds like a scheme to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (IL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Southwest collection services used an address I never lived at to communicate a collection I found out about through my credit monitoring service. They said they can not remove the account even though i verified payment because they said only comcast can do that. I faxed verification of payment to both of them but no one takes action. XXXX opened a trouble ticket but does not have a phone number to discuss concerns if you are disputing a collection so I have no way to discuss resolution of this with even though I faxed in proof of payment it is still sitting on my reports with the bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed