milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/31/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am writing this on behalf of my wife, as I manage our student loans. 
We spend approximately 40 % of our income on student loans. Given our earning potential and current income we would be lucky to pay off our student loans in the next 40 years. 
We 've even had to take out a second mortgage on our house to make student loan payments. Because my wife 's profession is never expected to have the earning potential to pay back their student loans and she works for the government at an even lower rate than the private sector ; we were told that we qualified for student loan forgiveness on her student loans. This was great news for us. We went through the entire certification process and got all of the approval letters. But, when I called to get the estimated pay-off date, they told me that we did n't qualify because we were n't paying enough per month. This is utterly ridiculous since we pay the full amount every month and have it set up on auto-pay. 
When I inquired further ; I was told that we would have to change repayment plans to one which would cost us an extra $ XXXX/month before we would qualify. 
Considering the change to this new payment plan, we would actually spend the same amount of money to have her student loans " forgiven '' as we would without the " forgiveness ''. The representative even told me it was n't worth it to use their " forgiveness '' payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I am applying for a home loan, and one of my positive accounts is missing from my Experian credit report, which is adversely effecting my credit scores. I am an authorized user on my wife 's XXXX XXXX revolving credit account, and this information shows on both my XXXX and XXXX XXXX reports, but the tradeline is not showing on my Experian credit report. I contacted XXXX, the issuer of the XXXX XXXX account, and they stated they ARE reporting it to Experian and that there is nothing further they can do since they are actively reporting the information, and that it is on Experian 's end.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: First of all, thank you for handling my Complaint. 
After reading the Consumer Financial Protection Bureau Rules to protect homeowners,I can briefly write my Complaint by saying that:"Rushmore Loan Management Services has violated each and every one of the Rules"
I am trusting that you will base your final conclusions on facts and evidence and not words written in a piece of paper, that is why I am presenting each of my TRUE statements with documents attached.
Please, know that the least I expect is the same from Rushmore.
On XX/XX/XXXX 2014, Instead of Rushmore informing me that they were the NEW Servicer, I found out because I received an e-mail XXXX, saying that Rushmore was going to continue processing my Loan Modification request and Rushmore HAS NOT UNDERWRITTEN MY FILE! (Exhibit G).
For fifteen months I have been calling and sending e-mails and ALL Rushmore's employee refused to talk to me. All of them refer me to Rushmore Attorney, XXXX who does not answer either!
My Complaint has more characters that the ones remainning therefore I will be attaching my three pages Complaint for your review and consideration.
It is with gratitude in my heart for the existence of Consumer Financial Protection Bureau that I place this complaint against Rushmore.
Sincerely,
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Debt collection (Other debt) with Convergent Resources, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have asked for validation that the debt is mine with a signed contract and I have not received anything but offer to settle letters. They stated it is from XXXX but I do n't recall receiving anything from XXXX to that fact.

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 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft. The following accounts are fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, XXXX XXXX and XXXX/XXXX XXXX XXXX, with a balance of {$420.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (OH).
Issue: Loan servicing, payments, escrow account

Complaint: PAYOFF ISSUE : Last Thursday, XXXX, XXXX, 2015 at approximately XXXX XXXX I contacted my mortgage holder Green tree, soon to be XXXX, and requested my payoff in writing on their letterhead to be faxed to a number I provided and attach an E-copy to my account online.. I made this request verbally and again later by E-message through their website. I told them I needed by Tuesday the XXXX to close on the sale of my property. The representative told me I would it have by then. I called back Saturday verified with representative it was in process. By Tuesday the XXXX, I had not received the payoff in writing. I called XXXX who informed me it was taking longer to process. I then spoke to a leader named XXXX XXXX # XXXX who continued to tell me it was in process but could n't commit to when I would have it. This is stopping the sale of my home, the buyer may back out. This an urgent issue. I rescheduled closing for this Friday, but title company must have payoff in writing by Thursday the 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 01-05-2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NH).
Issue: Problems caused by my funds being low

Complaint: Overdraft fees were computer manipulated over the holiday week of XXXX and new years. All the money was in my account to cover all with drawals. Some transaction did not show for a week. With ease money was switched from my account to citizens bank. Simply Bank fraud and manipulation. I have been overseeing the manipulation for 40 plus years. I appreciate your agency help me return my hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Billing disputes

Complaint: USSA has a CD in the amount of {$3000.00}. Which secures an XXXX XXXX Credit Card. Once again I have made a payment of {$2300.00} which cleared the account that on XXXX XXXX, 2016, posted to the USAA account on XXXX XXXX, 2016 but still not showing in the available credit. The reasons stated for payments to be held by USAA are account bring over the limit, account being delinquent, account receiving multiple payments, account delinquent, account over the limit, payment amount history over the limit and or payment returned. I wanted to know which category this account falls into and I was told multiple payments in a short period of time. So my question was you do not want the payment, but prefer that the account goes over the limit, or become delinquent? XXXX then told me that the payment would post at midnight tonight. I asked to speak to someone in the XXXX. I was transferred to XXXX who told me that over the last 6 months the payments have been held. I explained to XXXX that I had filed a complaint with the Consumer Financial Protection Bureau and in fact that the payments had posted to the account in XXXX and XXXX of 2016. In addition, the same office he sits in placed a call to the XXXX XXXX XXXX XXXX and confirmed the XXXX payment had in fact cleared the account. That day it was stated the additional payments would clear for three months. But we are here again. A payment of {$270.00} and {$500.00} plus was credited to this account during this very time period. 
When a financial institution can hold payments for all the reasons listed above but none apply to the account in question, and the person reading the notes on the account can disavow the actual transactions in which have taken place leaves questions as to the validity of the account payments being held. I am questioning that validity. 
Additionally, I also have auto insurance with this same company but in the last 6 months, I have had to call XXXX and had to wait for 3 hours each time. I pay the insurance but could not obtain the services in the initial time told ( 30 minutes ) to be towed. 
This is a company that projects its services to Veterans, but to what extent are they providing the services they advertise?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Credit card () with CITIBANK, N.A. ().
Issue: Unsolicited issuance of credit card

Complaint: Refer to my correspondence with Citi Bank regarding my credit card XXXX In short I was contacted by Citi bank and they have offered mediclaim policy of XXXX, in XXXX and policy was issued and premium was debited in my credit card and it was paid by me. After that in XXXX before expiring that policy I have sent the mail to Citibank for not issuing the fresh policy or renew the mediclaim policy. 
Even prior information for not issuing the policy they have issued the fresh policy and debited the amount in credit card statement. After that I have sent so many mails not a single mail was replied. 
Now one month back I have come to know that Citibank has reported me defaulter and updated in XXXX so now my request is this kindly go through the attach file ( all mails sent to Citibank ) and resolve this and arrange to remove my and my wife name from 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 01/18/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Application, originator, mortgage broker

Complaint: Wells Fargo loan consultant did not advise me to keep making payments on my existing loan until the new loan went through. When I applied for the refi with WF on XXXX XXXX, I had just made a payment on the existing loan 2 days before. Today I got a nasty gram from WF in email saying my XXXX payment was overdue. Not only that, but the reason the refi is taking so long is that Wells Fargo does not know how to work with condos and the insurance policy, even though other banks do I think routinely. And with this whole insurance thing, I had to contact all kinds of parties outside of the bank and yell and scream until Wells Fargo made an effort to work on the loan. The mortgage consultant had sent me a rejection letter prior to that because he could not find folks in his bank to work the loan.

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 07/22/2016 about Mortgage (VA mortgage) with Mortgage Research Center, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage increased by {$200.00} a month. My county taxes have not increased and company is saying I do n't have enough in escrow. I have not missed any payments and have not been in the home for a year yet.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/28/2015 about Debt collection (I do not know) with ERC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have had repetitive phone calls ( a recorded message ) telling me that this is a debt collector and to call XXXX and give them this # : XXXX. I typically hang up but have grown tired of the calls so I called the number. There were XXXX recorded options : Press XXXX to pay the debt, Press XXXX for a 'settled in full ' letter, Press XXXX for wrong #, Press XXXX to speak to an agent. I pressed XXXX and asked the agent ( with an XXXX accent ) why I was being called as I have NO debt. He said he would check my info and shortly we were cut off. The company says it is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-12-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX SETTLED XP/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XP/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} REV {$0.00} {$0.00} {$0.00} XXXX 1 PD WAS XXXX XP/XXXX/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} REV {$0.00} {$0.00} {$0.00} XXXX PAID CHGOFF XP/XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, 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 02/24/2016 about Bank account or service (Checking account) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Account opening, closing, or management

Complaint: XXXX, headquartered in XXXX, Pennsylvania, merged with First National Bank. Following the merger, online bank statements prior to the effective date of the transition ( XXXX/XXXX/16 ) are no longer available.

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 01/23/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (GA).
Issue: Using a debit or ATM card

Complaint: I put {$560.00} cash into an ATM at the Wells Fargo, XXXX XXXX location. The machine took the money and my debit card but did not credit the account. When I went inside to get my cash and card back they told me they could n't do anything and to call the 3rd party ATM vendor. I can not feed my children this weekend because I no longer have access to my {$560.00} after the ATM machine took the money and did not credit the account. It has been 2 hours and still no $ XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: There was a data breach in which over confidential information from over XXXX XXXX XXXX was breached and is likely now public knowledge. This includes social security numbers, addresses, telephone number, and other information that could be use to steal one 's identity. I have placed a 90 day fraud alert from all three credit bureaus. I was able to access my reports from XXXX and XXXX, but the Equifax webpage kicked me out and I was unable to access the report. Although there was no fraudulent activity on the XXXX reports I was able to load, it can not be guaranteed that my identity will not be stolen in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Debt collection (I do not know) with TIDEWATER FINANCE COMPANY, INC. (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XX/XX/XXXX I received notice that Tidewater Finance debited my savings account in the amount of {$3000.00}. I have never had an account with them. I contacted Tidewater on XX/XX/XXXX, and manager XXXX XXXX acknowledged that I was not and have not been a customer or client of Tidewater Finance. Nobody I know has an account with that company, and I have certainly never allowed my savings account to be used for any purpose regarding Tidewater Finance. Tidewater took my entire life savings from my account without my authorization. I 've also had {$86.00} in fees incurred because of their unauthorized and unwarranted debit of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (I do not know) with Cooper Hoffman Klein Associates (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My XXXX year old daughter is receiving non-stop calls on her cell phone from " Cooper Hoffman & Klein Associates '' attempting to collect a debt from someone named " XXXX XXXX ''. We block the calls but they keep calling from other phone numbers. I called on XXXX/XXXX/15 and spoke to XXXX - I explained the situation and he hung up on me. They reference Case # XXXX and have called from these numbers : ( XXXX ) XXXX ; ( XXXX ) XXXX and ( XXXX ) XXXX. The voicemails threaten legal action and someone will show up at our house.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (I do not know) with NCB MANAGEMENT SERVICES INC (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX-XXXX-17, This debt was disputed via CFPB under case number XXXX-XXXX. This dispute stated the collection agency had failed to verify said debt and was reporting on my credit report. The company responded to the complaint and stated that they would send me out the contract/ debt validation immediately. To date, This has not taken place. I am disputing this once again, as the company has failed to provide proof of debt in the form of a signed contract. Considering this information has not been provided, Per the FCRA I am not obligated to pay the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Credit card) with TD BANK US HOLDING COMPANY (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This item is being reported as late on my credit bureaus and in fact has never been late

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: This account is not mine - an inadequate investigation was preformed. Accout was not verified according to the FCRA

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 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: Account status incorrect

Complaint: I received a call stating  I may  be served by  XXXX   XXXX  for debt owed to  XXXX   XXXX . I made arrangements to settle with a gentleman named  XXXX   XXXX  who was insistent this was for  XXXX   XXXX . He advised he was only allowed to collect {$400.00} which was the original debt. I made  two p ymts of {$200.00} in my debit card and received a pay in full letter. My credit report still shows I owe with speedy cash. He stated since I got the loan online years ago, it was under an affiliate name. The collection agency was  XXXX   XXXX   XXXX   XXXX . I have the phone number and screen shot proof.

Company response to consumer: Closed with explanation