milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/19/2015 about Student loan (Non-federal student loan) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My husband lost his job in XX/XX/XXXX and was unemployed for almost XXXX months. He has recently started a new job with XXXX and we are getting our finances back on track. However, by the end of XXXX, I struggled to keep up with the payments and my student loans became dangerously past due. On or around XX/XX/XXXX, I arranged a {$250.00} student loan payment on line. I did not realize until it was too late that I had forgotten to change my banking information and the payment was rejected by my bank. ( I have since cleared this up. ) I called AES to discuss further options. On XX/XX/XXXX, I was told by a representative that I qualified for XXXX-day forbearance. When we discussed the unfortunate payment error, she said, " do n't worry about it ; the forbearance period would cover the non-payment. On XX/XX/XXXX, my credit bureau monitoring service notified me that my credit score had dropped by over XXXX points due to a XXXX-day late payment reported by AES. This was AFTER I was assured that I qualified for the forbearance. 

When I called AES to inquire about this, I was told that credit reporting operated on a separate system and that credit reporting was " automatic, '' but that he would note the situation in my file. All of the representatives have been very pleasant and helpful. However, as I explained to XXXX of the representatives, I am a consumer. When a representative tells me " not to worry about a payment issue, '' I listen. My husband and I are XXXX veterans and have to commute 2 hours to work every day. We are responsible and have not missed a student loan payment in several years. We need to buy a home closer to our work. 

The problem is this. The loans with AES are a consolidated debt of XXXX different loans. When the loans were reported to credit bureau as XXXX days late, my credit scores dropped almost XXXX points for EACH LOAN. That 's approximately XXXX points!!! This is neither fair nor accurate. When payments are made, amounts are applied to each individual loan. The way this is set up, even if XXXX of the XXXX loans is late, ALL XXXX report late. No credit report can sustain and instant XXXX point drop in credit score over something this confusing. 

Like I stated earlier, I am a veteran and a responsible citizen. I struggled to pay the loans on time for the entire XXXX months my husband was out of work. It is not fair that I should have to suffer the insult of a XXXX day late payment due to misinformation that I was given. If I am late making payments due to neglect, then I would feel like I have earned this discredit. However, I was acting on information supplied to me by a company representative. I followed their rules. Therefore, I respectfully ask that the XXXX day late be removed from all XXXX credit bureaus so that we can move on with our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Student loan (Federal student loan servicing) with ACS Education Services (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: My loan was transfer to XXXX at the end ofXX/XX/XXXX. XXXX has provided me with the interest paid to them in XXXX & XX/XX/XXXX. But ACS, now apparently this new company, XXXX, says there is no interest information available for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Credit decision / Underwriting

Complaint: My wife and I have been asking Ocwen to verify its information it has been reporting for the past XXXX years on our credit. We have sent numerous certified letters to Ocwen and the reporting companies asking for written verification of the account and the information being reported. We only receive generic form letters in return without any verification of any kind. We believe we have the right to ask for this verification or the removal of all the information they report. We also believe they are only allowed so many days to comply, not the XXXX years it has been.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My lender refuses to apply payments to principal rather than to interest even when I gave explicit instructions to do so. The loan is not currently in repayment, so the payment of {$2000.00} was well over any minimum due ( which is XXXX ). Below you can see their response, and, below that, my original payment instructions. It is also strange that they say they were required to apply the payment to interest when the payment was n't even scheduled to happen for another week. I have since cancelled the payment until I figure out if they really are allowed to do this. Thank you for your help. 

Their reply and my instructions : " Dear [ NAME ], Thank you for your inquiry regarding applying a payment to principal. 

Please accept our apologies for the confusion and inconvenience you have faced with your account. Please be advised your student loans are simple daily interest loans, meaning interest accrues on a daily basis, even if the account is paid ahead, based on the formula, Principal x Interest / XXXX = daily accrued interest. When a payment is received it must first be applied to any outstanding late fees, then any interest that has accrued, and then finally to principal. 

Unfortunately, we were required to apply all of your payment to interest. Please accept our apologies for the inconvenience this causes. 

If we may be of further assistance, please visit our website at Navient.com. Or, you 're welcome to call us toll free at XXXX. We 're here to help you Monday through Thursday, XXXX XXXX. to XXXX XXXX., and Friday XXXX XXXX. to XXXX XXXX XXXX. 

Sincerely, XXXX, Your Navient Email Representative -- Original Message -- From : [ EMAIL ] Date : XXXX/XXXX/2016 XXXX PM To : XXXXXXXXXXXX Subject : Special instructions for payment Account No : XXXX Borrower XXXX Dear Navient, These are instructions for how to apply my loan payments : Please apply payments to the principal when at all possible. For example, I will soon pay {$2000.00} toward my loan [ XX ] online, and I would like the {$2000.00} to lower loan [ XX ] 's principal from {$12000.00} to {$10000.00}. Thank you, [ NAME ] ''

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: cra violation wells fargo has caused me to bounce checks with atleast the other banks also my apartment complex giving my provisional credit and taking it back i have showed them on several occasions that my computer was stolen police reports and this still has not been fixed charging me non atm which is unfair by their practices they open up accounts before in the past and still have not settle that case How many times would they like the see the police report i sent on several several times

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 08/29/2016 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Citi is contacting me daily ( sometimes multiple times per day ) in an attempt to collect a debt that has been paid. I sent payment in XXXX and they have cashed the check. I have sent them a copy of the check yet they still call me every day.

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 11-09-2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have reached out to experian and asked to speak to a special handling agent on multiple times. The overseas reps have continues to decline to permit me to speak to someone in america. I have informed them that i had a ftc id theft report and that there were inquiries on my account that needed to be removed. I have reached out to the companies directly and they claim that it has been validated even with the report. the agents of experian have been rude and have swore at me and told me to go to court if i was unhappy with the results as they will not help me at all and hung up on me multiple times.

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 04/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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 had a tax lien while I was getting divorced and going through a bankruptcy reported  XXXX   XXXX   XXXX , it was paid and released  XXXX   XXXX ,  XXXX . Of the  XXXX  reporting agencies Equifax has declined to take it off my credit report also it does not show it was released. I disputed this with a credit repair company as well as direct dispute with Equifax, also I called.   How do I get it released?   Thank You!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NATIONSTAR MORTGAGE (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: As of XXXX XXXX, 2017, there is fraudulent activity being reported on all three credit bureaus with an additional money being taken out, without my consent, and reported fraudulently by Nationstar Mortgage that literally has been added onto my current mortgage loan. I am attaching both copies of XXXX and XXXX credit reports showing the date, increase of over {$140000.00}. I am also in contact with all three credit bureaus to place a freeze on my credit reporting until this urgent and serious matter gets resolved ASAP. I am also attaching where you clearly see the payment history and that my loan was not signed for $ XXXX. 
Clearly ... this appears to be another retaliation from Nationstar due to several complaints that I have filed with the Consumer Finance Protection Agency and the state of Indiana. 
This is a very serious matter and I will be taking as well additional steps to make sure this never happens again to another consumer. I have as well sent a second complaint to the state attorney generals office in Indiana. I am asking this to be handled ASAP. 
Sincerely, XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/30/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MD).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: On XXXX XXXX 2015, A Navient representative called me on my cell, stating that he would finally be able to grant an affordable loan agreement for me. He identified himself as a supervisor, and told me we would be able to resolve my issue that day. To my surprise, this was the start of a financial scam I am certain was geared to diminish credit, confine me to a loan delinquent status, and secretly place me in a corrupt program that is designed to keep people in the dark about their loan status until it 's too late. Please see attached documents for my full case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-09-2017 about Debt collection (Payday loan) with Mark A. Leachman P.C. (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I called up the collection attorney that has my file asked them to let me set up a payment plan. they told me I have to send over my pay stub that they will take 20 % of my wages I told them I am a single mother of XXXX I can not afford to do that I can pay them XXXX on the XX/XX/XXXX and the XX/XX/XXXX. they said that is not acceptable they just will get a judgment against me and see how I like it when they garn my paycheck. I really do n't believe this is fair the debt turn form owing XXXX to XXXX. I was told that they do not care how many kids I have of who I have to pay in bills. they just need there money. I told them im willing to pay how come they can not work with me on my terms. XXXX said because we do n't have to we do not care about your terms only to get out money.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Vehicle loan or lease (Loan) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint: BBVA Compass Bank claims that they had sold my car at auction on or around XX/XX/XXXX after a repossession. Their information is not correct. The sale was on XX/XX/XXXX. I have a  pending court case and I am trying to prove that I was falsely arrested. My car was towed off of private property without my knowledge or expressed consent. This arrested lead up to the vehicle being repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: The Free Credit Report service is unable to process my request. I have tried a number of times.

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 06-09-2017 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: The original creditor is   XXXX   XXXX   XXXX  . I had a  XXXX  and   XXXX   XXXX    Store card  with them. I got behind on both accounts. They were both charged off.They were also both bought by  Portfolio Recovery. I go t a notice from  Portfolio recovery  on   XXXX   XXXX   XXXX    . I settled out for both of the debts. (  XXXX - {$300.00 } ) and (   XXXX   XXXX  - {$300.00} ). They both was settled after the charge off. However, i never received my reque sted letter that the debt was paid and they never reported differently on my credit report. I have a collection account with them now with minimum information. I would like both debts removed from all three credit bureaus due to violations of the Fair Debt Collection Practices Act and Violation of the Fair Credit Reporting Act. They are reporting different high balances on my reports. This is wrong. They also are not showing the full account number on my reports. The reporting activity dates are off and inaccurate. Please help me resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Credit card () with U.S. BANCORP (CO).
Issue: Credit card protection / Debt protection

Complaint: I am in collection with XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX. I have asked XXXX XXXX XXXX XXXX XXXX for proof of purchase and cash advance receipts to prove I actually used the money. I only received back payment histories.

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 09/15/2015 about Bank account or service (Other bank product/service) with U.S. BANCORP (IA).
Issue: Using a debit or ATM card

Complaint: I attempted to withdrawal funds from my prepaid account with XXXX. at a US Bank sponsored ATM on XXXX XXXX, 2015. The ATM did not dispense the funds but debited the {$240.00} transaction from my account. I went into the branch to find out what my options were and hoping that they would give me the funds that their ATM that they are responsible for did n't disburse only to be treated like I was some kind of bum off of the street begging for something that did n't belong to me. The banker kept indicating to me that there was nothing they could do that the ATM would need balanced and then I would need to file a regulation E claim with my financial institution. The branch manager never showed his/her face after repeated requests to speak with an authoritative figure and I left the branch in tears and without my money. It has been devastating to me over the last few weeks because I have taken an unexpected {$240.00} hit only to be told that if their ATM balanced out that there would be absolutely nothing that could be done to reimburse me. I even told the XXXX at the branch that if the ATM balanced out that meant the gentleman behind me in the line at the ATM received my money, but she reassured me that that would never happen. I contacted the executive offices of US bank only to be told there was nothing they could but wait for the transaction to process. The transaction has finally processed and my financial institution has filed a regulation XXXX claim with US Bank ... but I am again advised by US Bank that there is nothing they can do to expedite my request for reimbursement because their ATM is serviced by a XXXX party and it is up to the XXXX party 's processing time frames. I am still without {$240.00} here almost 2 weeks later. I am not rich ... I am not even middle class. I have fallen behind on bills and am incurring fees because of late payments due to this issue. Why was n't I put first? Why did n't the branch manager of US Bank address me and give me my money and indicate they would handle the back end issues on the back end? {$240.00} would have been a small price to pay for XXXX of the largest financial institutions in the United States to keep a smile on a my face and prevent me from going through hell over the last two weeks. but they did n't and I am still without and my XXXX children that I work hard for every single day are still without ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with UNITED SERVICES AUTOMOBILE ASSOCIATION (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was never notified that the payment I made in an auto loan was returned ; resulting in a late payment. Also, the consigner of the loan was never notified ; therefore, there was no opportunity for the payment to be made before it was reported 30 days past due on their credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2015 about Credit reporting () with EQUIFAX, INC. (SD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: disputing this not possible with equifax first -- - their dispute needs a credit report and not able to get at all and the prove my id says i have credit cards and mortgages but really not -- - living on small XXXX check and have no credit cards and the true answer of none of above gets me just to a mail in form supposed to send copies of driver license and other stuff -- this happens every year with them and think they use other peoples reports to prove my id questions since if use my actual report would be no mortgage or credit cards -- yeah XXXX check of XXXX a month and equifax says i have a mortgage -- think equifax blocks free credit reports just to force people help them collect more data they then sell to any XXXX with a stolen credit card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/29/2017 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 XXXX XXXX, 2017, I disputed the account listed on my credit report as XXXX XXXX. I contacted this company, as I was unfamiliar with it nor have never had an account with them. I was informed that they are a company that bought XXXX XXXX. This situation is two fold. ( 1 ) I have never entered into an agreement or contractual obligation with One Main. ( 2 ) This account is reporting both open and closed, as it should not be open, as I have not agreed to any payment terms or agreement with this company. The company has also failed to validate any contractual agreements between myself and this company. My Experian and XXXX credit report both report different payment amounts, however, they both show closed but is still reporting late payments. On my XXXX XXXX report, where the dispute was initiated, it shows that the account is open.

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