milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-09-2017 about Student loan (Federal student loan servicing) with ACS Education Services (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was on an income based program and when my income changed due to being laid off at work, I filed the necessary paperwork with the lender. I received a letter stating I did not need to make another payment for one year. One month later, I received a bill and called to inquire. Customer service stated they would request an investigation and I would receive a letter in the mail. I never did and each month I would receive a bill and I would handle it the same as prior months. The third phone call, the customer service person stated he could see the two previous request for an investigation and that nothing was ever done with them.My request for a written explanation was ignored and ACS Education Services ruined my credit. They refuse to put any explanation in writing and how they can issue a letter that no payment is necessary for the next year and then send a bill is confusing. The initial bill was for XX/XX/XXXX ; which XX/XX/XXXX payment was made and on time. Once I submitted the letter from my bank and their own email confirmation of that payment, they said that was a mistake the bill was suppose to be for XX/XX/XXXX. This has been the pattern or they loose documentation that you file with them. They should provide a written explanation and admit they failed to notify me at the time of my submission of financial documents and work to resolve this issue. I spoke to a gentlemen at the US Dept. of Education who provided me with an email address to contact the department at ACS that completes the investigations. He said they should contact me within 7-10 days, that did not happen. I sent and email and although I received an automated response on XX/XX/XXXX, I have yet to receive anything else from ACS. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Received multiple phone calls from  IQ  data international regarding a debt owed from an apartment complex. I have asked for verification of debt, as well as written documentation stating what I owe. Representative states that they have sent multiple letters to my address, which they have not because I have not received on single letter. Advised that I will not pay until the debt is validated and I receive information showing what it I owe as I feel the amount they are asking for is outrageous, and I am not clear exactly what I am being charged for. I refuse to pay for an unvalidated debt over the phone, as I am a victim of identity theft. I need written verification and validation. If this can not not be done in a timely matter, this item needs to be removed from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (MO).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I owed money to a credit card company called Barclays Bank in XXXX and received a chapter XXXX bankruptcy discharge in XXXX.. since then I have had trouble on occasion with getting loans and have discovered every time It 's disputed they put it back on my report and this to my knowledge is against the law. I HAVE SUFFERED WITH HIGH INTEREST LOANS BECAUSE OF IT. I WANT TO SUE THE BARCLAYS BANK AND ALL THE CREDIT REPORTING AGENCIES FOR NOT FIXING THIS PROBLEM. I had my attourney try and take it off twice since my discharge and it keeps coming back. I have the same problem with XXXX XXXX XXXX but already collected a small class action settlement from them but if they still refuse to take it off can I sue them directly? I deserve compensation for my troubles and am tired of fighting these bully banks and lazy credit reporting agencies that do nothing to keep truthful information.

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 08/21/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XX/XX/XXXX - I called Fed Loan Servicing to try to change my repayment plan ( I had been switched to Standard Repayment Plan ) because I had not submitted by tax returns by a requested date ( Fed Loan states they sent me a letter requesting the tax returns but I never received it ). I immediately sent my tax returns in, they stated that in the meantime while my information was being processed, I could ask to be placed into forbearance. To do this I submitted a forbearance request. They stated I would then receive a PAPER bill for a {$5.00} reduced payment. I also resubmitted application for income driven repayment plan. I was told my income driven repayment plan app would not be processed until the XXXX reduced payment was processed. XX/XX/XXXX - called fed loan, told reduced payment of XXXX was still waiting to be processed, told to not make any payments but to call back " in a couple of weeks. '' XX/XX/XXXX - called fed loan stated that they could see the request but there was some unknown problem, they would " push it forward " and I would get the {$5.00} bill now in my email. XX/XX/XXXX -- Called fed loan, stated I had not yet received {$5.00} bill either in email OR in inbox, they stated it would come betweenXX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX -Called fed loan again because I did n't trust them anymore by this point, rep now told me I would get the bill " this week '' and it would be due by XX/XX/XXXX XX/XX/XXXX- called fed loan told them STILL had not gotten any bill. Also told that my application for the income driven repayment plan had expired ( I had submitted it in XX/XX/XXXX but they said it had been pending until the XXXX payment was processed ). I resubmitted a new income driven repayment plan app
lication. I was told to " just go ahead '' and make a {$5.00} payment online and " they 'll know what its for '' despite the fact they had continued to tell me they would send me a bill and to NOT make any payments except when I received the bill. I made the {$5.00} payment. XX/XX/XXXX - Called fed loan told that their system was down and " ca n't see anything '' regarding my application or the {$5.00} payment, told that even though my forbearance period was up, and my bill was going to be due ( likely before my new income based repayment plan was processed ) I could request to extend my forbearance. Told to call back later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-07-2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I received a Hardest Hit Fund Principal Reduction Permanent Loan Modification after being in a trial loan modification in XXXX XXXX through XXXX XXXX. The permanent loan modification was mailed to my house via XXXX on XXXX XXXX, XXXX and requested that the documents be reviewed and sent back by XXXX XXXX, XXXX. The documents required a notary as well. My health has been delicate over the last few years due to a medical hardship and sometimes my memory fades. I inadvertently lost the paperwork that I wanted to give to my attorney to review as well a notary. I requested that Bank of America send another loan modification package to me but they refused. Bank of America mailed me a letter dated XXXX XXXX, XXXX advising me that I was no longer in consideration for a loan modification because I did n't return the permanent modification documents. I appealed the decision but Bank of America denied me the appeal. During this time, I 've made every scheduled mortgage payment and Bank of America recently returned my XXXX XXXX payment and put my property in foreclosure.

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 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAINE & WEINER COMPANY, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX was removed from my XXXX XXXX account for fraudulently reporting. This was included in my bankruptcy in 2013. This should be removed from XXXX AND XXXX as well. 

The file attached shows XXXX XXXX removed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have an ongoing issue with XXXX. I have a case open. Now they sent me a letter saying I am delinquent but the account page says no payment is due. The letter was generated 3 days after my last payment.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Debt collection (Medical debt) with Capio Partners, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Ive uploaded both documents with the information asked for. Ive tried to dispute through the company and nothing ever changes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-12-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: My ex wife asked me to sign a quit claim deed so she and her boyfriend could get my name off mortgage in which I sign the quick claim deed she then modified the mortgage on our joint property that we own together in order to remove my name from said property that was over XXXX years ago now I have not only my name on the property but an extra {$60000.00} in debt that I never signed any of this paperwork I did sign a quick claim deed being told that that starts the process of me getting my name off the property but I was not told in any way shape or form that I was going to be modifying the mortgage I never gave Nationstar my permission to do that I would have never signed any of those contracts I am taking my ex to court over 2 times they have all been found in contempt each time of violating the divorce decree but she does not have the credit nor the ability to refinance the property because now the property is owed {$160000.00} its value is only worth {$70000.00} I am remarried and this now cost me my financial ability because I am still in debt on that property with no way to be able to remove it please help me in this situation Nationstar Mortgage did wrong by doing this. There is no way for me to be able to sell the property I have tried to do that but she owes way too much. And what am I supposed to do for my children out on the street I do n't think that would work anyhow this is going to cost me my second marriage by this continuing on please email me or contact me by phone for any questions thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2016 about Debt collection (Medical) with Dominion Law Associates, P.L.L.C. (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I never received the notice of right to dispute, instead I received a letter with a court date attached. I called once I received the information regarding my court date in order to settle the debt. When I called, I was greeted by a rude individual by the name XXXX ( XXXX ), she refused to let me ask my questions, told me she was n't going back and forth then hung up on me. I called back and received the same treatment from her. I asked to speak to her supervisor and was told she was one and that there was no one above her. I again tried to get information regarding my debt from her however it turned rude again and she again would not allow me to ask my questions. I admit at this time I had enough of her attitude and did start to get snippy however I just wanted to know how to get backup regarding the debt owed so I could pay the bill. She again hung up. I called back a third time, she answered, heard my voice and hung up. I called back a 4th time, each time hoping I would get someone else, and this time she picked up the phone and hung up immediately. I called back a 5th time, yes a 5th time, and this time spent 53 minutes in a continuous loop before the evening message finally took over. 

I called back the following day and spoke to XXXX, who promptly told me that my medical records are there and I would receive a copy. That would be a HIPAA violation which I will file a complaint on next. She too said she does not have a supervisor however I finally got the name XXXX out of her. I have not pursued this person yet. I have since spoken to the original creditor who was helped me on this matter and the debt will be paid though them. I do plan on following up at the court date as I do n't trust this collection company at all. I wanted to validate the debt and could n't even get a voice in to do so.

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

Complaint: Equifax leaked my personal credit information due to improper security protocols at the Company. As a result, my SSN, birth date, address, and other personally identifiable information may have been leaked without my permission. As a result, my identity may be stolen as my personally identifiable is no longer secure.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ALLY FINANCIAL INC. (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I receive at least 10 calls a day from Nuvell Financial. When I pick up they say please call certain number. When I let the answering machine pick up they leave no message.

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 07/15/2016 about Debt collection (Medical) with State Collection Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Just got a notice from my credit monitoring service that a new debt was attached to my credit report. I immediately disputed it online through XXXX and they sent me an email the very next day that said the investigation was complete. I find that very hard to believe there was any 'investigation ' at all, given that I had commented that the debt was 'fraud ' and does not belong to me. How was this debt verified as belonging to me in XXXX day, and how was it 'verified ' if it is n't mine? I do not owe this company money, and this debt is fraudulent. I have a very common name and do n't understand how something can attach to my report without proof of it being mine!!! I need this item completely deleted from XXXX and any other reporting agency, as this debt is fraudulent!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. ().
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XX/XX/XXXX I called Equifax to inform them they Had not updated my file since XXXX. They informed me they had incorrect DOB and address. Had me fax over my driver license, birth certificate, and social security card. Called them again in XX/XX/XXXX, I was told they didnt have any record of it. I faxed it again. Few days past I called again. And they told me they couldnt read. I then get a letter they have corrected my name, DOB, social security number and address. ( Letter was mailed to my correct address ) the letter has my social security number incorrect! Even after I sent a copy of my social security card. Ive called them 3 time now and they are telling confirmation number on the letter is not good. And they still have incorrect info and they want me to send them all documents again because they do not have any record of them nor the letter they sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (I do not know) with SANTANDER CONSUMER USA HOLDINGS INC. (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Chrysler Capital keeps calling daily even though they 've been told that I DO N'T owe any outstanding debts. If I owe a debt, then send me the paperwork, which of course they wo n't. I told them if they continue to harass me I was going to fie a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (I do not know) with Financial Credit Service, Inc. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX / XXXX /  XXXX   Received calls at  XXXX   XXXX  EST and  XXXX   XXXX  from  XXXX . No message left. I am inundated with telemarketers and scams ( and have had several credit card compromises  )  so I rarely answer an unknown call and always look the number up online. I found several comments indicating this was  ARA Recovery  and they were either trying to collect an old debt or and IRS scam. I blocked the number  XXXX / XXXX /  XXXX   Received a call at  XXXX  from  XXXX . No message left. I looked it up and similar comments -  ARA Recovery. I  blocked the call. I bet I 'll get another call from a different number later today or tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I cosigned a loan for a student at XXXX University in XXXX, MA, issued by Sallie Mae. The borrower cut all communication from me right after the loan was transferred to the school, and refused to have my name taken off as the cosigner. Now the borrower is delaying payments, and is forcing me to pay off the payments assigned to the loan or have my credit score diminish. Right after this happened, I contacted Sallie Mae and asked for an application to have my case heard and considered for a cosigner release. They told me that only the borrower can have the account considered for cosigner release, which is something I was not told about or agreed to when cosigning the loan. I was told that I have equal responsibility over the loan, yet when it comes to any action towards the loan - whether it 's actually have my cosign released or having my cosigner release form even considered - is something only the borrower can forgo. This has put my financial situation at high risk, and at the whim of the borrower - and something that Sallie Mae would n't even consider for cosigner release since only the borrower can do that. I was then advised by the escalation team that since I do have equal responsibility of the loan, I can request XXXX University to return the loan in full and then my cosign would be terminated. The escalation team told me that this is a practice they have done before and are willing to do for me since this is a relevantly new loan. When I contacted XXXX, I was told they would do this for me and that I should send an official demand letter stating my case and they would talk to Sallie Mae to make sure this was acceptable, and if it was, then they would exercise my right to have the loan returned. After a long delay, they responded to me after two weeks - at this point I have already been asked to pay off interest payments on the loan - and told me that they do not have any obligations to the cosigner and that they would not return the loan. Now my credit score or my financial account is in jeopardy and at the whim of the borrower, even though I was only following the advice Sallie Mae had given me, and only had given to me when I made it clear that unequal treatment over actions taken on the loan is not something I agreed to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I saw " negative information '' re-inserted by XXXX which was preciously removed after a dispute. This happened after I caught them having opened an account under my name without my knowledge or consent. Since XXXX did not correct their mistake, I terminated all business with them. They most recently re-inserted a negative report. I tried initiating an online dispute with Experian, but they prevented me. My FICO score has since been lowered because of this.

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 10/27/2015 about Debt collection (Payday loan) with EXPERT GLOBAL SOLUTIONS, INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX has called me several times and left a claim number. They are now calling and harrassing my family and ex husband. When I tried to call the number back it goes straight to a fast busy. I tried calling them back again and after many rings, a man named XXXX answered. He claimed I owed money for a payday loan back in 2012. It was for {$400.00} and they are the arbitration company and that I am being sued by XXXX XXXX XXXX. I have never taken a pay day loan from this company and check my credit report and there are no collections. I want these people to stop harrassing me and my family. They threatened to have me served with at my work or my residence.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: HI, I RECENTLY REVIEWED MY REPORT AND FOUND LATE PAYMENT ON THE DATES BELOW : CREDITOR : XXXX XXXX ACCT # XXXX I WAS NEVER 30 DAYS LATE IN THE MONTH OF XXXX XXXX, 2017. I AM NOT SURE WHAT HAPPENED.MAYBE THERE WAS SOME SORT OF BILLING ERROR BECAUSE I HAVE ALWAYS MADE MY PAYMENTS ON TIME.

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