milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/30/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Back in XX/XX/XXXX I applied for Income Drive Repayment. I received an email XX/XX/XXXX letting me know based on my income I would be on a Pay as you Earn Plan and my payments would be totaling XXXX. In XX/XX/XXXX I was hit with a bill for XXXX. When I called they assured me that I did not need to make this payment and their supervisor 's were looking into it but they had no idea why that was happening. They took me off direct debit and told me NOT to make the payment. When it still was not resolved in XX/XX/XXXX I called again. This time I asked to talk to a supervisor. The supervisor I talked to basically told me there were two bills in XX/XX/XXXX one for my PAYE amount of XXXX and another large one that made the total over {$800.00} and because I did n't make the payment of XXXX that it was my fault the issue still had n't been resolved! She told me to keep making the payments of my approved PAYE amount but my account still says I am past due and I owe XXXX. On top of my past due amount my account now says I owe XXXX for the month of XX/XX/XXXX. I have no idea where they are getting this number? It is not what I was approved to pay. I have called several times and each time they tell me something different about my loan total. I just want the issue resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have contacted Experian multiple times to review my credit report after being denied credit -- which is my right. I only get denied credit when a company pulls Experian and I want to know why because to my knowledge there should not be any new collections. Up until two weeks ago I was able to view online, but it would not let me dispute debt that was not known to me. I 've written letters to Experian with dispute information, contacted the collection companies and have got absolutely no where. At the time it would no longer let me do anything online, I called the XXXX number. Unable to speak to anyone, I was able to request a copy of my credit report to be mailed to me. After receiving, I went on the Experian website to dispute information that was not mine using the confirmation number. It still would not let me. It basically says I 'm blocked. How am I supposed to do this? There 's no one to speak to, they do n't acknowledge letters and I 'm blocked from viewing my report online. It is totally unfair to hold my credit hostage. This should not be legal!

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 04-05-2018 about Debt collection (Credit card debt) with U.S. BANCORP (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Original case : XXXX at CFPB Sirs US Bank. 

I am immensely surprised at the treatment you provide to your ex-customers. 

Regarding the claim that I made through the CFPB against US Bank, I comment the following : On XX/XX/XXXX, in a simple, concrete and kind letter, issued by ( document attach # 1 ) : XXXX XXXX XXXX U.S. Bank Reatail Payment Solutions He let me know that the claim was solved. 

I received this letter on XX/XX/XXXX ; but since XX/XX/XXXX I could see in XXXX and XXXX   the rectifications requested in my original claim. Attached photo of the information presented ( document attach # 2 ) I thought that everything was solved, to continue with my personal plans : Apply as soon as possible for a mortgage loan. 

On XX/XX/XXXX, I observe my credit report in XXXX, and I see that the data that had been disputed in my original claim ( they were already solved ) returned to be reported. Attached photo with the report of XXXX on XX/XX/XXXX ( document attach # 3 ). 

Continuously to this, I review my case at the CFPB page and I find a very professional letter, educated, but with more problems than solutions, issued on XX/XX/XXXX by ( document attach # 4 ) : XXXX XXXX Customer Care Specialist Honestly, I do not understand what happens or where we want to go with this case. 

On XX/XX/XXXX, I made several calls to the number XXXX ( as you suggest in your letters ),  but only answers a machine, which indicates to leave my information, and somebody call me back in 24 hours. I am waiting the call today ( XX/XX/XXXX ). 

I have been respectful of their times and procedures, I have done everything to find a friendly and immediate solution, but that has not been enough. I can not continue postponing my plans, due to the actions ( good or bad ) that the representatives of US Bank carry out. I need a solution no later than 24 hours after you receive this communication through CFPB. 

Once again I request that the data of my account appear in the credit bureaus as an settlement should be reported : Condition : Paid-Close Current Balance : {$0.00} Status : Charge Off. Settled - less than full balance Nowhere should there appear something like derogatory or balance > XXXX ( XXXX ). these terms do not apply in a settlement. 


Regards, 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 01/14/2018 about Debt collection (Credit card debt) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Original CFPB complaint number is XXXX requesting NAVY FEDERAL to validate/verify the claim that I owe them the debt of two credit cards according to the FDPA ( Fair Debt Collection Practices Act ). I mailed the first Notice of Dispute on XX/XX/XXXX for one credit card and the other Notice of Dispute on XX/XX/XXXX for another credit card via USPS Registered Mail. NAVY FEDERAL received my first Notice of Dispute on XX/XX/XXXX and the second Notice of Dispute on XX/XX/XXXX. This Notice of Dispute was to have NAVY FEDERAL  to verify under oath that the credit card debt they claim I owe is a valid claim by signing the enclosed affidavit and/or addressing specific points in the notice and/or furnishing information that validates the debt. Although NAVY FEDERAL did respond to the Notices of Dispute ( s ) within ( 30 ) days ( XX/XX/XXXX and XX/XX/XXXX respectively ) they failed to verify and validate the debt. Response letters simply stated, This is a valid debt, and you remain responsible for its repayment with no signed affidavit, no explanation on their conclusion and no actual validation or verification evidence sent to me. Hence, this debt was not verified/validated within ( 30 ) thirty days and should have been removed from all three credit reports but has not. This is a violation of the FCRA ( Fair Credit Reporting Act ). Additionally, NAVY FEDERAL was not consistent in placing a notice of dispute on both accounts under dispute with all three credit bureaus within the required ( 30 ) day period. This is a violation of the FCRA as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Problems caused by my funds being low

Complaint: During the months of XXXX, I was struggling financially as I was transitioning between jobs with some time inbetween. In addition, my significant other who lives with me was out of work. In the days between XXXX XXXX and XXXX, Bank of America has charged me over {$200.00} in fees which they refuse to waive. Many are overdraft fees for which funds were added less than XXXX hours after I received the notice. These fees are excessive and I can not afford them especially while I 'm in between jobs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10/21/2017 about Student loan (Private student loan) with SLM CORPORATION (WI).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I graduated from XXXX XXXX College with around {$70000.00} in private student loans from SallieMae with a very high interest and around {$30000.00} in federal student loans. I was hired right away as a XXXX with a salary of {$36000.00} a year. My total payments a month are {$760.00} for my private loan and {$160.00} for federal loan with a total monthly payment of {$920.00}. My monthly income is {$2000.00}. Which means just about 50 % of my income is going to my student loans. I am unable to live off of the remaining money. I have tried to refinance ; however, they say that I can not because of my debt to income ratio is too high. I am stuck with this huge student debt that I am not able to pay and live.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Credit reporting () with EQUIFAX, INC. (AL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax has failed to validate a debt that i request validation nor have they sent me proof of such verification. Furthermore XXXX XXXX is asking me to send them information in order so they can process the dispute.So far this account is unverified and must be deleted.How can Equifax validate this debt when XXXX XXXX is asking me for information

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2017 about Vehicle loan or lease (Loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (FL).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I purchased a car on XX/XX/XXXX, financed through XXXX XXXX for {$15000.00}. As part of the purchase, I got GAP coverage from XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX , IL XXXX. 
On XX/XX/XXXX I was involved in a collision where the car was totaled. My regular car insurance paid {$5200.00} and the GAP coverage paid {$3100.00}. Per the paperwork I 've included, the GAP contract amended my loan contract so that " in the event of a total loss my lender agreed to accept my physical damage insurer 's settlement, as of the Date of Loss, as full settlement of your loan account. '' Date of Loss is clearly stated as XX/XX/XXXX. 
XXXX XXXX has issued derogatory information on all three of the major credit bureaus, forcing me to get a terrible interest rate on my new loan for my replacement car. They are saying I am 90 days late and recently marked my account as a Charge Off. They have given me no reason why my GAP contract is void other than saying over the phone " You should made sure the GAP payment came faster. '' How can they say this when my GAP contract clearly states the original loan contract has been amended? 
I sent this identical information to XXXX XXXX XXXX XXXX and they have been virtually unresponsive. The only response I 've gotten to the disputes I 've sent them was that they are unable to use the documents I 've sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (CO).
Issue: Trouble during payment process

Complaint: Ditech has held my 2nd mortgage for several years untilXX/XX/XXXXwhen it was taken over by XXXX XXXX XXXXXXXX. Upon viewing my first statement from XXXX XXXX XXXX I noted that it said my loan was paid ahead until XX/XX/XXXX but that I had a balance due from Ditech in the amount of {$24.00}. On XX/XX/XXXX I contacted Ditech and learned that even though I pay {$250.00} every month to cover a set monthly payment of {$230.00} in which the additional amount goes to principle, the overage was not going to principle but was rather being held by the company until the total overage was {$210.00} at which time they applied it to the payment for XX/XX/XXXX ( without my consent or knowledge ). When they did this, not  only did it appear as though I shorted them on a payment but they were then able to keep {$140.00} of the funds as interest instead of applying it to principle like I intended and like they showed on every months ' statement they were. Based on this history, it likely means they are currently holding {$110.00} that should have been applied to principle since XX/XX/XXXX and are just going to keep it. Here is how I got that amount : $ XXXX-XXXX=XXXX x 8 months= {$110.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: inquiry not removed

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Riverwalk Financial Corporation (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I sent a letter of Validation on XX/XX/XXXX I have not received any response from this company. I have attached the certified letter that they received on XX/XX/XXXX. I also fax and e-mailed this company the same letter that is attached with still no response. This company should not be allowed to report information on my husband and my credit that has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On XXXX XXXX, 2015 Transunion had removed XXXX from my credit report as of today XXXX XXXX, 2015 it was added back to my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Other debt) with U.S. BANCORP (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Today at  XXXX  I recieved a phone call from a courier service looking to serve me with documents. When I inquired about these documents they gave me a phone number and a reference number as I did not recognize the company they were delivering the documents for. They have claimed to have attempted to deliver these so-called documents to three different addresses I have lived at, one which I currently reside in and no such company has ever rang our bell.
I called the number and spoke with a man. I gave him the reference number and he proceeded to confirm my identity and said that I was being sued by US Bank for an amount that would eventually total {$4200.00} from an old checking account that had been overdrafted and was never paid off.
It was  XXXX  when this happened and my father and I had gone into the bank to resolve the matter. It had been a bank error in which they had applied numerous overdraft fees all at once due to an error in their computer. The teller confirmed this over the phone with a corporate person, as it had happened to another customer. She then removed all of the fees with this exception of a few, my father and I paid what was owed, and the account was closed.
The man on the phone from the debt collector said I committed a federal crime. That is against the law for them to say that to me. He then proceeded to harass me about my credit score that he has supossedly looked up and then was harassing me about a student loan I am paying off. He continued to badger me and said that I better get an attorney or I would end up in a federal prison. I am scared that this might actually be legit but I do not think it is and I am worried that they are trying to scam me. I am  XXXX  and on a low-income. This matter is also considered to be past the statue of limitations here in ohio as the account was from  XXXX  and it is now  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 10/25/2017 about Debt collection (I do not know) with Convergent Resources, Inc. (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I received a letter from Convergent telling me my account is placed for collection. They provided no information as to what the debt is, they left the creditor name blank, they spelled my name wrong, and the letter they sent was dated about a week before I received it ( XXXX/XXXX/XXXX ) I do not believe I owe this debt. I sent a timely letter informing them as such XXXX XXXX/XXXX/XXXX XXXX, and requested additional information about the debt, and officially disputed the debt. 

I have not received the additional information I requested, and they continue to attempt to collect the debt by phone. 

Instead, they continue calling me and leaving incomplete phone messages. 

I do not wish to be continuously harassed by telephone while they ignore my letter requesting additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Debt collection (Mortgage) with OCWEN LOAN SERVICING LLC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Ocwen loan servicing was informed of a forgery on a loan re modifacation, they have removed my liability from the loan, but it is still on my credit, I called and asked them to contact XXXX major credit reports and have account closed, I was told I would have to do that myself. I would like this loan removed from my credit as soon as possible, Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Consumer Loan (Installment loan) with American First Finance, Inc. (IL).
Issue: Taking out the loan or lease

Complaint: I needed car repair, was offered financing via XXXX as their financing option, which I accepted. Upon picking up the vehicle I learned that the financing was at 119.56 %, which is grossly high, and very unfair to someone who needs the financing. 

I want to complain that the financing charge is far too high and should be reduced to a fair rate, of under 50 %. They are taking advantage of the financially disadvantaged person who can otherwise pay off a loan, and this is a rip-off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I have been enrolled in the IBR program since finishing graduate school XX/XX/2012. I have followed protocol flawlessly during that time. This year, however, due to an exceptionally busy schedule of work, travel, and moving, I missed the re-enrollment deadline by under a week. My servicer NelNet acted quickly, informing me that the interest accrued during the last year ( over {$25000.00} ) would be applied to my principal balance. Now, I fully admit to missing the deadline but what I find incredulous is that there is no way to appeal this decision or negotiate what essentially works out to be a penalty as is commonly done in business and loans. It 's laughable. The best the customer service agent could do was offer me a phone call from a supervisor sometime in the next couple days, and could n't even confirm the number I should expect to receive a call from nor that the supervisor would leave a voicemail in the case I was unavailable to answer. I understand that the impetus is on the consumer to keep abreast of policy and plan details, but the fact that there is absolutely no avenue to appeal or flexibility in any matter is borderline predatory. Also, as the agent confirmed, I can only receive electronic OR mail correspondence. Not both. That alone is baffling. It is also severely decreasing the likelihood that this loan will ever be paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian continues to report these XXXX XXXX XXXX accounts incorrectly, despite numerous disputes. Experian claims to not have my documentation, which is a lie, because I have sent this documentation to them multiple times via certified usps mail, with a receipt showing delivery. Experian is claiming they will not reinvestigate without documentation, but refuses to acknowledge that I have repeatedly sent them the correct documents to support my dispute. Experian has locked me out of my online report, as well as the ability to upload documents online- claiming they can not give me a reason why but everything must be mailed. They will only receive written communication from me at this point, and are refusing to correctly process my dispute with what I have been sending them. 

These XXXX XXXX XXXX accounts began reporting on my file as XXXX XXXX. These XXXX accounts were transferred within XXXX XXXX to another department and re-reported as XXXX XXXX. They were transferred with a positive status. These XXXX loans were then forgiven and discharged. They should be reporting as " paid in full, and closed '' with a positive status. I have been in contact with XXXX XXXX several times regarding this, and they claim they are not the ones reporting the incorrect information to Experian. 
Considering XXXX is reporting these XXXX loans correctly, I tend to believe what XXXX XXXX is claiming is true. Especially considering Experian has admitted to me that they sometimes receive reported information from a XXXX party vendor, and it may not always be accurate. XXXX XXXX was more than happy to provide documentation to me to share with Experian, and has told me they continue to report the account correctly to all bureaus. 

Dispute with documentation was sent to Experian yet again on XXXX/XXXX/2015, which they deny ever receiving. I have attached all pertinent documents.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation