milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-10-2017 about Student loan (Non-federal student loan) with AES/PHEAA (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My daughter has student loans serviced by American Education Services ( AES ). I am cosigner on those loans. Over a period of time from XX/XX/XXXX to XX/XX/XXXX, payments made directly to AES by my daughter have been lost or stolen by AES. There are 17 missing payments at this time, totaling more than {$10000.00}. My daughter and I have provided three different types of proof, including actual bank statements from her bank, showing the date and amount of payment made directly to AES. They continue to say they can not " find '' the funds. We have contacted also the Pennsylvania Higher Education Authority ( PHEAA ) and their Office of Consumer Advocacy. These people are supposed to be advocating for the consumer and holding AES accountable to try to correct the multitude of errors and complaints about AES. However, all PHEAA have done so far is make excuses for AES and tell me how they are a huge company with millions of people making payments. My daughter and I have called AES and PHEAA many, many, many times to try and resolve this. They have terrible customer service and inept financial management. However, even though we tried and tried to get a resolution and produce evidence of our payments, they continue to send a barrage of emails, phone calls and letters to say we are delinquent. Both my daughter and my credit reports are full of indications of " adverse '' results and delinquent accounts. My daughter stopped making payments for a few months because she is afraid of more funds being lost or stolen and we received notice they were going to send our information to collection agencies and we would be required to pay the amount in full. She set up a system then to begin to make payments again while this is sorted out, and the first payment was received and credited with no problem. Now the second payment is again " lost '', even though she went on the AES system and make the payment with direct debit to them, just as they had instructed. Once again, the money is taken from her bank account and paid to AES, but AES says they never received it. PLEASE make them credit my daughter 's loan balances right now for the {$10000.00} that she paid to AES. ( {$9200.00} paid and not credited to her account in XXXX and {$1400.00} paid XX/XX/XXXX and not credited to her account!!!

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Mortgage (Conventional fixed mortgage) with LENDER LIVE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: LenderLive services my mortgage and has never sent payment coupons, loan servicing paper, or annual XXXX unless I call in an demand that they be sent. Every time I call they say " we mailed it ( them ) ; they must have been lost ''. I called on XXXX XXXX for a copy of the federal form XXXX which up to that date they had not sent out. I thought it was a federal requirement that the XXXX was sent no later than XXXX XXXX, 2015.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AmerAssist A/R Solutions, Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: filed chapter XXXX discharged in XXXX/XXXX/2016 companies keep saying it willl take off but dont case # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Student loan (Private student loan) with DISCOVER BANK (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I 've spoken with a customer service rep from my servicer previously and the issue has not been resolved. The servicer has continued to not issue statements to me for my student loan balances. I did not receive statements, or even notice that statements were available, for the months of XX/XX/XXXX and XX/XX/XXXX. The servicer has created statements after payments were due and loaded them into my electronic account. As shown in the attachment ( see Discover Statements ), no statement has been created for the month of XX/XX/XXXX. The statement dates are typically the XXXX of each month and I usually receive an email notification that it is available on the XXXX of each month. There are two Regulation Z violations here : 1026.41 ( a ) ( 2 ) and 1026.41 ( b ). 

In addition, I received a call from Discover this morning stating that I have past due payments for the last two months. This is untrue and I have actually made two payments in the past three months well beyond the minimum amount due, including one payment of {$5000.00}. I asked to speak with a supervisor and he acknowledged that this was an error and that I have not missed any payments ; the servicer simply has not properly applied my balance. As a result, I consider the call I received this morning to be an abusive collection tactic ( XXXX ). 

I have attached a document ( Discover Correspondence ) showing all correspondence issued, in the past several months. Letters include confirmation of one-time payments, which they identified my payments as such because no payment was due ( since the servicer had not created statements for those months as of those payment dates ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/24/2017 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (MD).
Issue: Application, originator, mortgage broker

Complaint: On XX/XX/XXXX I signed for a HELOC in the amount of {$54000.00} from Citibank. The primary objective was to pay off a 2nd mortgage for {$27000.00} with XXXX Bank. 

To date Citibank has failed to provide paperwork on the disbursement of these funds and my property 's title remains clouded with this lien. 

As a result, I can not refinance nor sell the property. I continue to call and they continue to extend the time in which they claim they 'll respond. 

With interest rates on the rise, this situation is both stressful and frustrating. 

After 3 requests for the documents, Citibank says they have 90 days to do more " research. '' I fail to see how it could take so long. 

XXXX, the company that secured the XXXX lien, is also out of business. It is my understanding that the FBI raided their office back in XXXX, or so. 

I am at my wit 's end, so any help from your office would be very much appreciated. 

Best Regards, 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 08/21/2015 about Mortgage (Home equity loan or line of credit) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: I received a letter from Ocwen stating that home equity line was maturing and I would be able to make payments to pay this off. ( this is standard with many institutions ). But upon maturing I was told that the full loan amount was due in full. I tried to refinance with Ocwen, but they told me they do n't do the refinancing and referred me to XXXX for help. XXXX took about three weeks to contact me back. After submitting all the needed paperwork I was told they could n't help me. I then tried to apply for a loan modification or Mortgage assistance through Ocwen, again after submitting all the paperwork they requested I was told someone would contact me in 3 weeks. When I finally talked to someone I was told that the loan has matured already and they could not do anything for me. I was told I would receive another call in 4 weeks. I thought they were going to try and figure something out for me, but when they did call I was asked if I had the money yet. I asked why are you taking so long with the communication and did not receive any answers to that and scheduled me at another 4 week wait for a phone call from my relationship manager. 
All the meantime of there postponing any type of help they were reporting delinquent payment to the credit agencies and adding interest to the balance. I was trying to apply for another loan from banks, etc. but no one could help me because of these bad marks on my credit. In the meantime i had sent XXXX payments to Ocwen but they were returned to me. I feel Ocwen was purposely delaying any assistance to me so they can report negative actions on my report. This would inevitably cause me to not be able to repay the loan and finally they can foreclose on my property. It seems that Ocwen wants to foreclose on properties so they can make more money on the backside of the sale. I should have been given time from my first contact with them to arrange payments without being reported delinquent. After all it was Ocwen that was taking there sweet old time not myself. I had to hurry and collect all the savings, retirement money I had, borrowed from family ( which is embarrassing in it 's own self ), also I had to take advances from some credit cards to finally scrape up enough money to pay the loan off. I 'm sure i am not the only one they tried to push out of their homes and they should be held accountable for it

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Trouble during payment process

Complaint: I live in south florida which has been declared a federal disaster area. when i called wells fargo to advise them that as per federal i am entitled to a 3 month deferment on my mortgage payment with my mortgage being extended for an additional 3 months beyond my XXXX maturity date. XXXX id # XXXX at there Iowa center gave me a bunch of bs about having to reach out to the investors on my HARP refinanced loan. i then spoke with her supervisor XXXX XXXX in Iowa who at least was concerned about this. she then transferred me to XXXX XXXX in escalations in Iowa who said the only thing she could do was open a case and she did not even want to do that while i was on the phone. She said i should trust them to get back with me. You might want to note that this is well fargo the company who was illegally charging yearly flood assessments, force purchasing flood insurance supplemental flood policies from companies they owned when they were escrowing and paying current flood policies, they also open 100 's of thousands of unauthorized accounts She had no information other than 24-48 for some one to perhaps call me back.

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 03/29/2016 about Payday loan () with Big Picture Loans, LLC (MS).
Issue: Charged fees or interest I didn't expect

Complaint: Big Picture Loans charged me a total of {$1900.00}. When I first accepted this loan it was for {$800.00}. They stated in my paperwork that my pay back amount would be {$1000.00}. I did n't think that was to bad so I agreed. After they begin taking {$280.00} from my account every two weeks. I was half way done paying the loan when they called me and said I needed to make more arrangements so they could get {$1300.00}. I told the Rep. that was not correct. That is when I learned about these other fees they had put on me. I knew that was not because I would have never agreed to those terms. I did not think there was anything that I could do until I saw a story that sounded a lot like mine. It included the website listed above. In fact Big Picture Loans charged me 780.03 % -788.62 % interest. Application # XXXX. Application Date XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MI).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: On made a payment on XXXX/XXXX/XXXX at XXXX p.m. My credit card company would not let me post my payment for XXXX/XXXX/XXXX, therefore I had to select the date XXXX/XXXX/XXXX. XXXX/XXXX/XXXX was grayed out on the calendar. 

I sent the credit card company an e-mail stating that I think that it is unfair that I go to make a payment at XXXX p.m. at night and I am not allowed to make the payment for today. I had to make the payment for tomorrow 's date, therefore I will incur a late fee. My due date is XXXX/XXXX/XXXX, which is the date that I attempted t make a payment for. 

I paid the card off with that payment by the way. 

I advised my credit card company that if a fee is assessed because I was not allowed to make a payment on the date that the payment was due, I would cancel my card. 

Since the fee was not assessed, I did not request to cancel my card. 

Then on XXXX/XXXX/XXXX, I received an e-mail stating that my account had been cancelled per my request. 

I never requested for this account to be cancelled. I advised them that if they charge me an unfair fee I would cancel.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: Analyzed credit report on XX/XX/XXXX and noticed that an unknown collector, XXXX XXXX XXXX XXXX XXXX had a derogatory tradeline posted on my report in the amount of {$1200.00}. In XX/XX/XXXX, requested validation of the debt and copy of the active bond required by the state of Texas under the Finance Code 392. Unfortuately, I did not receive this information. After reviewing the database from the Texas Secretary of State Office, it appears that XXXX. XXXX XXXX XXXX are in violation of the Bond Requirement stipulated under Section 392.101. It states that ( a ) A third-party debt collector or credit bureau may not engage in debt collection unless the third-party debt collector or credit bureau has obtained a surety bond issued by a surety company authorized to do business in this state as prescribed by this section. A copy of the bon must be filed with the secretary of state. ( b ) The bond must be in favor of : ( 1 ) any person who is damaged by a violation of this chapter ; and ( 2 ) this state for the benefit of any person who is damaged by a violation of this chapter. ( c ) The bond must be in the amount of {$10000.00}. XXXX XXXX XXXX XXXX XXXX has not had an ACTIVE bond in this state for quite some time and illegally trying to collect on a debt that has not been validated. According to Texas Finance Code Sec 392.101 ( b ) ( 1 ) ( 2 ), I have been greatly damaged financially by the reporting of this alleged debt that this organization can not collect legally. The bureau is not in compliance with XXXX XXXX since XXXX XXXX XXXX XXXX was not legally able to collect on the alleged debt, in fact, to even report it to the bureau. I request that this tradeline be removed from my credit report since it is illegally posted and damaging my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Dear CFPB, on XXXX XXXX, 2015, I applied for a XXXX Credit Card issued by XXXX Bank. I received on XXXX XXXX, 2015 a declination letter form XXXX and the reason for their decision was " insufficient credit history on file '' and the CRA who is named is T.U. Consumer Relations ( Transunion ). This decision has hurt my financial life. It is the job of the CRA to report correct information furnished by the consumer. If the CRA was not able to provide to the creditor specific information of the consumer, theymust specify the item that was missing or incomplete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2015 about Credit reporting () with EQUIFAX, INC. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account was included in a bankruptcy and should now be closed. I have disputed it but I just get a message saying there 's an error and it continues to show as open on my credit report. I have called the collection company and they do not return phone calls. I am just requesting that they at least change the status from open to closed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX SSN : XXXX XXXX XXXX XXXX Regarding : My Experian file : XXXX According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove all accounts listed below and thank you. I am asking for the following accounts to be verified or removed 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 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 non-monetary relief
Consumer complaint received 03/30/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Fraud or scam

Complaint: I had made a purchase online for a XXXX XXXX. the seller said to transfer the money through XXXX, I then send {$65.00} on XX/XX/2018. after the seller had told me that she had not received the funds and to send it again to another number, I told her I couldn't because on my side the money had been taken out. I then called Bank of America about my bank account and they confirm the funds had been taken out. after I was going back on checking the sellers page it was gone ... the next day the seller message me again that she had not received the funds. I then did not feel right and called Bank of America to file a fraud claim. they gave me the run around and said " we'll try to see what we can do and it'll take 10-45 business days '' after I asked " what do you mean " try '' '' the customer service rep. said. " if you initiated the transfer there isn't anything we can do '' which just made me feel unsafe with my own bank which I have been banking with over 10 years.The representative sure did not seemed surprised or like she would do anything else to help me resolve my fraud claim, I can not wait 10-45 business days for a response which by the sound of the rep looked like I wasn't going to be getting anything back. I have also tried to look through XXXX website and there is NOTHING about fraud ... or scams.

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 CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I submitted a dispute against Capital One to all 3 credit reporting agencies. Capital One advised XXXX to DELETE Capital One account from my credit report. XXXX has deleted all information about my Capital One account as if the past 5 years of excellent credit with them did not exist. Capital One 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 response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (CO).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2016 my mortgage with Freedom mortgage was paid in full and I received a payoff letter from Freedom Mortgage confirming this on XXXX XXXX, 2016. On XXXX XXXX, 2016 Freedom Mortgage withdrew a principal and interest payment of {$2000.00} from my bank account resulting in an overpayment. Despite XXXX or more calls to Freedom Mortgage to recoup these funds, I have not received them.

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 10/29/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I was told that I owe this debt XXXX and I never lived in XXXX someone have been using my social security number to open credit cards and now apt and these people only stay at the apt for 3mts than left I never ever would do that I always stay the hold year! 
I hate moving and packing and get a truck so this was not me! and the collection company IQ keep calling me and talking to me like I 'm a criminal and it is a bad feeling they do n't believe me when I tell them it was not me! I told them to stop calling me they wo n't and I ask to speak to the manger and the man put me on hold for 30 minutes than it went to voice mall so I 'm at a loss and this is on my credit report and ca n't get it off Can you Please ... ... ... ... XXXX Help me and my family Thank You ... ... ... ... ..

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation