milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am currently a borrower with Pennsylvania Higher Education Assistance Agency, or XXXX XXXX. I am a borrower hoping to utilize the Public Service Loan Forgiveness Program. 

My issue with XXXX XXXX is their repeated miscalculations regarding my payments toward the Public Service Loan Forgiveness Program. Nearly everytime I submit an employment certification letter, my loan calculations are incorrect, or have changed significantly. I have three examples, with documentation to show a pattern of miscalculation. 

OnXX/XX/XXXX I received a letter from XXXX showing the number of payments made toward the PSLF program. One of my loans ( loan sequence 006 of 5 loans ) had 22 payments as of the date of that letter. On XX/XX/XXXX I received a similar letter after submitting another employment certification form, for which I earned 4 more payments toward PSLF. Yet, my loan ( sequence 006 ) now showed only 15 total payments toward the PSLF program. 11 payments, which were previously counted on the XX/XX/XXXXletter were missing. I have contacted XXXX twice about these missing payments and have yet to receive an updated calculation. 

Additionally, afterXX/XX/XXXX letter the rest of my loans ( sequence XXXX ) were each missing 1 payment. According to the XX/XX/XXXX letter, three of my loans ( XXXX ) had 23 payments counted toward the PSLF program. However, as of XX/XX/XXXX each of the loans now had 26 payments counted toward the PSLF program, even though the letter was to certify 4 more payments toward the program. Loans XXXX should be at 27 payments as of XX/XX/XXXX, not 26. 

Finally, According to the letter on XX/XX/XXXX, I had an employment certification from an organization from the dates of XX/XX/XXXX - XX/XX/XXXX. This should count as 9 payments from that organization because I make payments on the XXXX of each month. Yet, the letter only counts 8 payments made toward the PSLF program. 

These three examples demonstrate a pattern of miscalculations from XXXX, all of which have served against me, and my progress toward the Public Service Loan Forgiveness. I have made repeated attempts to have these loan payments calculated correctly. At this point, there are so many issues that I think it has become difficult for the staff to remedy the situation. 

In addition to these three miscalculation examples, I still have not received payments made in XXXX and XX/XX/XXXX counted toward the PSLF program due to a retroactive in-school deferment placed on my account by XXXX XXXX. I have been waiting to have those payments counted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: Dear XXXX XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX, they could not verify that the information was being reported. 
I request that you initiate a REINVESTIGATION into XXXXs ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. DO NOT CONTACT ME OR SEND ME ANYTHING VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond ONLY VIA THE CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2017 about Debt collection (I do not know) with AllianceOne Recievables Management (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: In the attached letter sent XX/XX/XXXX certified mail to AllianceOne, I ask them on page four to not call me by phone and to communicate by USPS mail only. 

On XX/XX/XXXX, at XXXX XXXX XXXX Alliance one called after I revoked consent to be contacted by phone. This is a violation of the California Fair Debt Collections Practices Act ( RFDCPA ) I 'm requesting that this matter please be investigated. The calls are causing me a lot of stress! 

I 've attached a copy of a screenshot from my XXXX XXXX Phone Records.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Mortgage (Conventional home mortgage) with BAYVIEW LOAN SERVICING, LLC (MA).
Issue: Struggling to pay mortgage

Complaint: The attached provides a general overview of the entire situation dating back to a wrongful default in XX/XX/XXXX, which I 've been fighting ever since. However this particular complaint specifically addresses an action taken by Bayview Loan Servicing , LLC ( BLS ) in XX/XX/XXXX. All details, dates and related documentation is included. The action referenced was a " secreted '' review for a loan modification pursued by BLS in direct contradiction to my direction ( provided to them on multiple occasions ). I briefly considered a loan modification in an effort to stop foreclosure action. However, because of an highly inflated balance resulting from the wrongful default, errors, payments not credited, etc. I 'd be trying to have reconciled since, I decided to try again to accomplish that before moving ahead with the modification. As such, I advised BLS accordingly ( XX/XX/XXXX ). I did not submit or sign an RMA application and did n't submit any required documentation. I was told during earlier discussions with a representative that to be able to discuss the options, I needed to sign a hardship affidavit and a BLS Information release, which I did. Neither authorized them to purse a loan modification. BLS has been building a case to withstand any opposition to foreclosure since servicing was transferred to them in XX/XX/XXXX. Details regarding its purposeful in action over five years is provided in the complaint. I have gone in circles since XX/XX/XXXX but did make limited progress until the transfer. All corrections and credits made prior to the transfer have been reversed without explanation and not a single identified error, questionable charge unapplied payment, etc. has been addressed. In fact BLS has not even acknowledged the problem despite 30 or so QWR 's and four CFPB complaints. In my case it 's resulted in inflated balance of somewhere around {$250000.00} over what I actually owe. With this action being so egregious, together with the thousands ( and growing ) of complaints against BLS with similar stories of BLS ' predatory servicing in your database ( and published lawsuits ), I 'd like to have the CFPB consider an investigation. They may not be as notorious as others you 've sanctioned, but they are equally destructive and devastating lives. I do hope you 'll consider this case seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Credit card debt) with Army and Air Force Exchange Service (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted XXXX XXXX XXXX To set up a payment plan too pay off a {$5100.00} debt for the AAFES Military Star Card . When I called, they informed me that I actually owed more than what the statement they sent me stated, almost {$1000.00} more. They stated that they have a 18 % interest rate, but on the letter sent to me it stated 19.24 % annual. This amount is way more than the interest date that I had with the Military Star Card. So every month, I am being charged about {$77.00} in interest. We are a military family and move often, currently residing in Oklahoma, so I am not sure if what they are doing is legal. I set up a payment plan, of {$200.00} a month an it has me making payments until 2020. How can I get caught up on the balance with such a high interest rate?
Any advise or assistance that you could provide me will be very much appreciated. Thank you

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 11/27/2017 about Student loan (Private student loan) with DISCOVER BANK (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My student loan payment history does not reflect the actual amount I paid. I called discover student loan services repeatedly and explained that the payments deducted from my bank account is not accurately reflected in the payment history. The account show less payment even though more payment is deducted from my bank account. I asked for a copy of my records, and waited to receive it for months but never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am filing a complaint about Transunion XXXX XXXX agency I have attempted to contact them over phone and did not get proper help. I have unknown inquiries on my credit file an its dropping my score drastically. 

Here the list of the inquiries : XXXX BANK XXXX : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX ALASKA 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 + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : 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 + XXXX ( XXXX ) XXXX XXXX XXXX BANK Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX BANK XXXX : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX AUTO Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX BANK XXXX NA Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX AUTO FINANCE Inquiry : XXXX. XXXX, XXXX + Finance ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX, Not Elsewhere Classified ( 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 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 11/15/2016 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (NE).
Issue: Loan servicing, payments, escrow account

Complaint: My husband passed away XX/XX/2016. The estate was settlement the deed to the property was transferred to my name by my attorney. I contacted Quicken Loans in XX/XX/2016 to notify them of the change to the deed and asked that my deceased husbands name be removed from the mortgage statement. They told me once they received the death certificate they would make this change. The death certificate was sent and yet another statement arrived with my husbands name. Despite several requests to make this change and complying with the required documentation this change was still not made. I was married to my husband for 57 years and and still grieving. To receive this statement every month with his name on it is overwhelming and heartbreaking. I called Quicken again today and spoke with XXXX XXXX and she indicated the only way for me to get my husbands name off the statement was to refinance the loan. I ca n't imagine why I would have to pay the expense of refinancing just to get the name on the statement changed. My daughter told me that is not correct. After talking to a senior representative my daughter was told that this can be done and she was sorry that I was given wrong information. How many other XXXX grieving for their spouse have been mislead and possibly paid the expense to refinance to remedy this simple issue? 
In addition my husband told me that if he passed away the house would be paid for because he has PMI to pay off the loan. The Quicken loan statement shows PMI/MPI and a charge of $ XXXX monthly. When I called to inquire about the insurance to pay off the loan they said I did n't have this. Why does the statement show they are collecting a fee for this when I do n't have this insurance. It is very misleading. Imagine my devastation and heartache to find this out. Based on the misinformation provided on the process for changing the name one the statement I have serious doubts I was given the right information about the insurance. It is very troubling and my hear is heavy with grief. Is there some way you can investigate these practices. I am sure I am not the only XXXX this has happened to.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have received several calls after this debt has been paid. Also ; I was told that the debt would be removed after the debt was settled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On XXXX/XXXX/XXXX I received an alert from XXXX advising that my information was being sold on the blackmarket. I also received notification of inquiries being made on my XXXX and Equifax reports. XXXX quickly added a Fraud alert and advised that they would notify the other credit reporting agencies and research the inquiry. They removed the inquiry within 2 days. I contacted Equifax and disputed the credit inquiry ( XXXX XXXX ) on that report. On XXXX XXXX, XXXX I received a letter from Equifax stating " The results are : Inquiries are a factual record of file access ''. 
In summary : I DO NOT believe Equifax investigated the inquiry on my credit report. I believe that I received a blanket response. I do not know or understand what my recourse is here. Equifax continues to allow inquiries of my credit information with out my consent. There have been several inquiries over the last six months. Also, I am attaching their response. On page XXXX ( Research Request form ) ... the address portion of the form is pre filled and has a previous address of : XXXX , TX XXXX. I have neither lived there, nor have any knowledge of that address.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Cant pay my loan back

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Debt collection (Medical) with Sa-Vit Enterprises, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XX/XX/XXXX my husband was rushed into XXXX. He was seen by several doctors. The neurologist who saw him did not participate in our plan, XXXX. We were never informed of this. XXXX years later I received a bill from XXXX XXXX XXXX XXXX for {$180.00}. I fought this bill because I told them they should have told me that they did n't participate in my plan, I should n't get a dr. bill for an emergency room visit. I told them I would not pay this bill, They then sent the debt collection to Sa-Vit Collection Agency, XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ). Sa-Vit called my house every day, they threatened to report this debt on our credit report and demanded payment daily. I had to start screening my calls, as their agents were aggressive and harassing, especially when my children answered. In XX/XX/XXXX, we refinanced my home mortgage, where we were horrified to find that my husband 's credit score had dropped into a level that would not permit us to conduct the refinance. I contacted Sa-Vit Collection Agency and tried to explain that the bill was not appropriate. The offered to reduce the {$750.00} collection down to {$500.00}, which I paid under protest, by credit card in order to refinance my home. I have a bill from the Dr. 's office charging me {$180.00}, how is it possible for Sa-Vit Collection Agency to charge {$750.00} on a {$180.00} actual debt? How is it possible for this collection agency to be abusive and harassing to me and my family? They overcharged a debt, harassed my family and collected more than was owed on a debt that was in dispute from day and they marked my husband 's credit score which hindered our refinancing of our home.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Mortgage (Other type of mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: Bank of America through their Trustee Attorney XXXX and XXXX, XXXX XXXX and their subsidiary XXXX XXXX XXXX XXXX ( XXXX ) misrepresented material facts related to the excess proceeds during the hearing of XXXX XXXX, XXXX. Specifically, XXXX and XXXX, XXXX. misrepresented the amount of the excess proceeds by omitting the interest paid on the principal balance and only submitting the principal balance to the California Superior Court, case number XXXX. 

Title has not been transferred on the subject property. I am currently homeless and would like to gain possession of my real property and all other previously requested desired resolutions.

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 03-09-2017 about Student loan (Federal student loan servicing) with Ceannate (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Recently received an order from my employer 's Human Resource Department that my wages were going to be garnished due a student loan. Now, I was aware of the actual student loan, but the garnishment of not only my wages, my taxes where also seized. Thus, I called the collection agency to verify and they HAD THE WRONG ADDRESS!! It was a residence I lived at approximately 6-7 years ago! I was under the impression that I 'm suppose to have at least 30 days of notification of the actual wage garnishment! But it was sent to an old address. Furthermore, the amount the agency asked for is susceptible. This story is " To Be Continued '' hence I have to forward my now residence information!

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have two XXXX XXXX in my possession. One XXXX XXXX is an individual account, which is correctly being reported to Equifax report. The second XXXX XXXX is an authorized user account, which is not reported to Equifax report. I have verified that the authorized user XXXX XXXX that is being correctly reported to XXXX and XXXX, however, Equifax fails to report this authorized user account. I also I call XXXX XXXX and they told me they are correctly reporting to Equifax and just like they are reporting to XXXX and XXXX. 

I requested Equifax four ( 4 ) times to please verify on your end to correctly report the XXXX XXXX authorized user account with {$1200.00} dollar credit limit. I have been trying to correct this for almost 5 months now. All they do is send another report without correcting anything.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have set up an account with XXXX to monitor all XXXX of my credit reports. I have noticed several dozen inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Transunion. I have included, the Inquiry Company, inquiry companies ' address and date of inquiry as well below. These unauthorized inquiries need to be removed immediately.

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