milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2016 about Debt collection (Non-federal student loan) with HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA) (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: 1. The XXXX XXXX XXXX send me a letter dated XX/XX/XXXX, had been retainedby New Jersey Highet Education Student Assistance. Notice of opportunity to contact within 30 daysto dispute the debt and statement they are debt collector. The letter was never sand regular or certified. 
2. I respond on XX/XX/XXXX, In that letter I asked XXXX XXXX XXXX , XXXX. to validate the date. The letter stated to respond to a specific Notary Public, within 30 days. The leter was send by certified mail and received by XXXX XXXX XXXX, XXXX. on XX/XX/XXXX. 
3. I also pulled down my credit report and saw that this debt had been charget off. 
4.XXXX XXXX XXXX garnished pension of the co-signer, on the amount of {$2000.00} with out notifying me as primary creditor. ( This is a felony ). 
5. I was servet withlawsuit on XX/XX/XXXXXXXX XXXX XXXX XXXX regarding this maner.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Payday loan () with Big Picture Loans, LLC (OK).
Issue: Can't stop charges to bank account

Complaint: I received a payday loan and when working out payment they continually attempted to take funds from my account. When I hired a debt consolidation company to help Castlepayday would not speak to them and repeatedly called my work and family members, harassing them and cussing out the office manager at my office. They have called no less than XXXX times a day and have been very threatening to people at my office and family, I did not give them these numbers, they somehow acquired them without my knowledge and have harassed them all everyday even after I have asked them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: Inaccurate information on my credit report XXXX is refusing to take off the negative information and investigation team is not doing their job. My bankruptcy is zero owe and zero claim.counts are fully paid off and never been late.

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 06-06-2017 about Debt collection (Other debt) with Bull City Financial Solutions, Inc (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: BullCity financial is verifying a debt to the  XXXX  major credit reporting agencies which was a result of identity fraud. I have disputed the debt several times, have sent letters, and made calls and I have yet to resolve this matter. I have a police report on file and sent them to the bureaus and the creditor yet they disregard and continue to cause me damages and harm my credit rating for something I 'm not responsible for. Seeking assistance from you to mediate and hopefully resolve this issue quickly and professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Experian refused to correct my current address and delete the XXXX address 's which do not belong to me.

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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax responded that adverse information remained for seven years from last activity. They are not using the correct dates for last activity on the following : XXXX/XXXX Account XXXX activity XX/XX/XXXX per their records. XXXX Account XXXX-last activity was XX/XX/XXXX, NOT XX/XX/XXXX. No activity occurred in XX/XX/XXXX. XXXX Account XXXX -- last activity was XX/XX/XXXX, NOT XX/XX/XXXX. No activity occurred in XX/XX/XXXXand note duplicate account as double reporting. XXXX XXXX-Account XXXX-last activity was XX/XX/XXXX per their records. No activity occurred after that date.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Mortgage (Other mortgage) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I currently have a home equity loan wit h BBVA Compass. Rec ently, a leak in shower pipes caused a great deal of damage for which I 've filed an insurance claim with  XXXX   XXXX .  XXXX  has been great to provide payment for me to get my home repaired. I walked in to BBVA Compass t o deposit a check from  XXXX  to get the work done on my home. The branc h manager explained  they were not able to take the check at the branch. I had to sub mit a Hazard Insurance Claim Disbursement Request F orm and send paperwork, along with the check, into the bank. I 've had to pay for the repairs myself while waiting for the checks, already approved by insurance, to be deposited into my account. Currently, I 'm out a little over {$12000.00} and have been forced to take money out of savings to pay bills. The process, according to BBVA  Compass, takes 2 weeks to get funds into an account if you have a Home Equity Loan with  the institution. Two weeks ...?? to process a check from a large, reputable insurance company? I wonde r if BBVA Compass is ca shing the checks and reaping the rewards of interest on my funds? {$12000.00} is not a great deal of money for a financial institution to try and scam, but if all of their other customers are having to deal with the same situation, it could probably add up very quickly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-07-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing statement

Complaint: I left the country on XXXX XXXX 2015 and returned on XXXX XXXX, XXXX. My son was in charge of paying all my bills during the time I was abroad. All my bills were sent to my address in paper format. Thus, my son would come to my house open my mail and proceed to pay my bills. 
The problem emerged with my Citicard credit card when this credit card company changed-without my permission or knowledge- the billing format from paper to paperless. 
Unbeknownst to my son there were 2 payments that were not payed due to the credit card company 's illegal decision to make the change from paper to paperless. 
While I was XXXX- I had no access to my Citibank credit card internet account, and my son ( nobody else for that matter ) had NO access to my password to this account.. Therefore it is impossible that we would change the format of billing. 
When I got back home to the states, I checked my e-mail and realized what had taken place. I immediately called Citicard and began a chat with one of their agents who admitted that Citicard had changed their form of billing. I also requested that they reverse the late charge fees, as they immediately received my complete payment. They did reverse the late charge, and they received my complete payment. 
Days after I thought that this situation was resolved, since they reversed the late charges and seemingly understood what had taken place, I receive a letter ( copy attached ) stating that due to the 2 late payments, Citibank is decreasing my credit limit. 
I called Citibank as a result of this letter, and after reaching an agent who ca n't help me with this situation, I am assured that a superviso was not available and would call me within 24 to 48 hours. No supervisor from Citicard has called yet. A week has transpired since they promise they would call me back. 
Not only they have decreased my credit limit, they said that they have reported the late payments to the credit reporting agencies. My FICO score has been in the XXXX or higher for years. 
My desired resolution is that Citicard : 1. Restores my credit limit 2. Restores my good credit by clarifying the reason why these payments were late. Citibank CHANGED MY FORM OF BILLING TO PAPERLESS WITHOUT MY KNOWLEDGE OR PERMISSION.

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 08-02-2016 about Debt collection (I do not know) with Aargon Agency, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have contacted this company 4 times about account numberXXXX- I have been ignored!!! I need your help maybe they will respond to you. I have no idea what the account is for or who it belongs to it just appeared on my credit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 07/16/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Settlement process and costs

Complaint: Wells Fargo has been my mortgage carrier since XXXX. I have a conventional, fixed rate mortgage with PMI. I am now trying to cancel the PMI as I know the cost of my home increased. I applied for the PMI cancellation and paid for an appraisal from the Wells Fargo approved evaluator, XXXX XXXX. XXXX conducted the appraisal on XX/XX/XXXX and responded via email on XX/XX/XXXX with the result ( see documents attached XXXX. According to XXXX XXXX my home value has increased and the amount assessed qualifies for PMI cancellation. Wells Fargo is not approving the cancellation until after my 2 year mortgage closure on XX/XX/XXXX. According to Wells Fargo, my investor, XXXX XXXX, requires appraisal value only on terms of structural improvements. Please see page XXXX as the communication is contradictory. I 've spoken to a representative and manager at Wells Fargo already. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/24/2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (CT).
Issue: Other service issues

Complaint: On XXXX/XXXX/2016, My husband and I called Western Union to make a payment to XXXX ( because they refused to take a payment directly from me ). Western union confirmed the code and company I asked them to send it to as XXXX XXXX code CA and proceeded to send my payment to XXXX instead of XXXX. Now XXXX has a repo out on my lease for being ONE payment behind ( which is ridiculous ) and western union will take no accountability for THEIR error. I called western union on XXXX, XXXX, and XXXX and each time all they say is the funds never came back and there is nothing they can do ... XXXX does n't care and said there is nothing THEY can do and said they are going to take my car. IN order to make this payment i had to max out my credit card so its not like i can just pull money out of thin air to cushion their a mistake that was beyond my control. This whole situation is beyond asinine! it blows my mind that XXXX can give a XXXX less about their consumers when they pay XXXX of dollars for a product. Further more it sickens me to think western union can get away with causing my car to be repossessed thanks to them dragging their feet and doing NOTHING to rectify this situation. All the calls are recorded so there is NO EXCUSE for it taking an entire week to resolve an issue that they created. It also is beyond inexcusable that XXXX cant do a thing to put my account on a freeze or something until western union resolves this. I am beyond disgusted that my life can be ruined by XXXX TERRIBLE companies that do n't give a XXXX about the consumers they service.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Debt collection (I do not know) with Phoenix Financial Services LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: PHOENIX FINANCIAL SERVICES has placed an unauthorized derogatory, harmful, and damaging account/item on my Consumer report. 15 USC 1692c ( a ). PHOENIX FINANCIAL SERVICES has violated my federally protected consumer rights without causing injury, harm, and damages to my pursuit of happiness and right to utilize consumer credit. 

I have included an attachment requesting PHOENIX FINANCIAL SERVICES to respond point by point with verifiable facts and authenticated documentation validating that I owe them any alleged debt. 15 USC 1692g ( a, b : " until debt collector obtains verification of the debt '' ). Failure to do so will result in Civil Penalties according to Consumer Protection Laws and other laws that may apply. 

PHOENIX FINANCIAL SERVICES has no proof of claim with verified, validated authenticated documentation. PHOENIX FINANCIAL SERVICES has violated the FDCPA 1692 and is Civilly Liable according to XXXX Civil Liability [ 15 USC 1692k ] and other consumer protection laws. 

PHOENIX FINANCIAL SERVICES has placed this alleged account on my credit report to intentionally cause harm to my pursuit of happiness by affecting my Consumer transactions for personal, family and household purposes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit card or prepaid card (General-purpose prepaid card) with PNC Bank N.A. (CA).
Issue: Unexpected or other fees

Complaint: XXXX XXXX  GiftCard purchased in 2014. Bank states that because the card was inactive after 12 months. They automatically deduct {$2.00} per month until active. We never used the two cards we had so we lost all our entire gift card balance. Explained that these fees were outlined in the agreement. Why should the funds expire? This is the banks stealing money from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2015 about Credit card () with CITIBANK, N.A. (HI).
Issue: Payoff process

Complaint: I paid off my Macys Credit card on XXXX XXXX, 2015, cleared on XXXX XXXX, 2015 thru my bank. I called on XXXX XXXX to check if had been reported to the credit bureau and they said it would be reported on or before XXXX XXXX. In the mean time ... I am trying to prequalify to purchase a home so I am awaiting for my credit report to reflect. My loan company ran my credit report on XXXX XXXX, 2015 and Macy 's is still reflecting a balance. I called them again on XXXX XXXX, and they said they could n't do anything about it and they would report it to the credit bureau by XXXX XXXX, and also for me to contact the " Credit Bureau '' which was a dead end, not sure where to contact because the number they gave me was incorrect. Due to this problem it has affected by credit tremendously. If they did n't assure me of being cleared by XXXX XXXX, them I would n't have had my loan officer run my credit on XXXX XXXX, 2015. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Problem with fraud alerts or security freezes

Complaint: Following the recent publicity about the Equifax security breaches, I contacted Equifax to freeze my information. It appears that Equifax took my money, but failed to freeze my information. My mortgage broker provided me with a credit report response from Equifax more recently than the requested freeze. Additionally there are a number of items on the report I would like to dispute, but phone number the company provided was not answered by a live person, so there was no other way to submit my concern except to wait on the phone indefinitely or pay more money and submit the concern by mail. I called several Equifax numbers and was repeatedly transferred and placed on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Two judgements from XXXX XXXX XXXX is being reported on my credit report. Both have been vacated as they were filed under my name when they belong to a spouse. Due to the company being unable to touch my spouse while on military XXXX they charged these accounts to me. They have both been satisfied and vacated however they still show on my credit report. These do not belong to me. The lease in question was signed without my consent and is not my signature. Please remove these vacated judgements. They were only granted because I was not aware of the proceedings against me as they sent all correspondence to my former spouse.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My issue is with transwold system inc, they pulled my credit, and made repeated telephone calls to my current and previous cell phone numbers. I dispute the debt and I 've asked for them to validate the alleged debt with documents show their company name. And that has n't been done. They have n't produced documentations to show where I 've gave them direct permission to be calling my phones either home or cell. Plus, there are several inquiry on my credit report. And the debt is dated in late 1980 's. I did n't remember signing any loan for school.. Plus, I did n't even had a cell phone in the 80 's. So my question to them, is how and where did they get my current and previous numbers to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (IN).
Issue: Loan servicing, payments, escrow account

Complaint: On two separate occasions greentree/ditech has charged late fees for checks I mailed for payments on a mortgage. The checks were mailed in envelopes provided by the mortgage company ( ies ) and included the company invoice. The checks were not credited until welll over two weeks after they were mailed. This is certainly frustrating since other payments to other mortgage companies mailed at the same time were credited within a few days. Ditech must need to update their processing as they ca n't possibly be holding these checks without reason. 

Addtionally, they sent out a very confusing escrow account summary which is difficult to understand. The escrow payment now being charged is almost equal to the principal payment. Upon being questioned, they told me I would have to wait a year for a new reconciliation. This one I have does not explain the need for additional payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My wife and I declared Chapter XXXX bankruptcy in XXXX, 2013. Our petition was accepted and we have been current on all of our plan-related obligations to date. However, XXXX creditor, XXXX Bank, has continued to report late payments almost every single month to all XXXX credit bureaus. 

Last month I submitted a direct dispute request to Transunion via XXXX XXXX, but about a week later the dispute was completed with no change being made to my credit report. 

What are my rights and how should I handle 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 non-monetary relief
Consumer complaint received 10/19/2016 about Debt collection (Medical) with Aargon Agency, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: An agency Aargon Agency is collecting on a debt on my XXXX and XXXX report stating I owe a debt for a medical bill. I have asked on several occasions for validation of the debt that is showing my signature of a release of my medical records which is a HIPAA violations to have my medical records shared without my consent. I have called the agency and also send over certified letters, and they only have put disputed on XXXX and XXXX report. I also reached out to both credit bureaus, and they only said the debt was valid, and I sent a letter stating that this company was in violation of HIPAA laws, but they have not corrected the issues. I am looking for you help to see if I can get this debt cleared from XXXX and XXXX. I have also sent over a certified letter to original creditor and it was sent back to me as undeliverable address, and I sent this to both credit bureaus.

Company response to consumer: Closed
Consumer complaint received 07/28/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I 've been working in the XXXX profession for the past 5.5 years and have regularly been making payments on my student loans. I submitted the paperwork for Public Service Loan Forgiveness and learned, to my dismay, that none of the previous years worth of payments counted towards my loan forgiveness. This was understandably a blow because I was never made to understand that only certain repayment plans qualify. Given that a lot of time and money went into paying my loans in full and on time I think at least a portion of those payments should count toward my Public Service Loan Forgiveness. Unfortunately when I called FedLoan Servicing to inquire about this they told me there was no appeal process. This left me at a loss and very disheartened. Given that the language in the letter I received stated that " MOST of your payments must be made ... '' under qualifying repayment plans I think at least a portion of the previous payments made should count towards my forgiveness.

Company response to consumer: Closed with explanation