milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
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: XXXX is still reporting my XXXX XXXX account as an adverse account that is negative with a late payment I am uploading proof from XXXX XXXX that this account was never paid late. I have attempted numerous times to correct this. Having this wrong information reporting is affecting my credit score.

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 07/27/2017 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: On XXXX XXXX,2017 Equifax administration sent me a Retaliation and Discriminating response through CFPB Portal.
Calling me Dear, XXXX XXXX. My name is not XXXX XXXX.My name is XXXX XXXX XXXX.
Why is Equifax Administration retaliating against me as a XXXX Military Veteran and my XXXX Lifetime?
I filed complaint on XXXX XXXX,2017 Case file # XXXX.
What 's Federal Government going to do against Equifax Retaliation and Discrimination against me as a Military Veteran?

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was placed in a Rehabilitation Program with Pennsylvania Higher Education Assistance Agency ( PHEAA ) for my Parent Plus Loan. I became XXXX in XX/XX/XXXX and was no longer able to make my monthly payments. Based on my income, I am required to pay {$5.00} per month. I submitted a form for electronic payments to be deducted from my bank checking account. I received a call in XX/XX/XXXX & XXXX XXXX stating that my payment was overdue. I paid the amount by telephone, and once again faxed the form for electronic payments in XX/XX/XXXX and XX/XX/XXXX. I received a letter from The Department of the Treasury in XXXX stating that XXXX % of my Social Security XXXX Check, and my Federal Income Tax return for XXXX would be used to offset my loan. When I called PHEAA I was told that the forms had never been received. After numerous calls to the help desk I was continuously told that the forms had not been received. In desperation, I contacted their legal department and was able to speak with a supervisor. I was told that the form had been received ; however, it did not indicate whether the account was for my checking or savings account. I was told that nothing could be done once the information had been sent to The Department of the Treasury. Consequently, I have been left in dire straits for the last 2 months because of the offset. I 've done research to find out if any complaints had been filled against them. XXXX complaints have been closed with the XXXX in the last 3 years. The help desk at PHEAA is difficult to reach by phone during their business hours no matter what time you call. The help desk provided no assistance and told me that the offset will end in XXXX months. Their responses are inconsistent with the information obtained by the supervisor in the Legal Department. I am unable to access my account online to verify the payments that have been received. Once again after faxing the electronic payment form in XX/XX/XXXX, I received a call in XX/XX/XXXX stating that my account was XXXX days past due. This time they were able to locate the form ; however, the offset is still taking place.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I was offered and accepted a Shared Appreciation Modification from Ocwen. The modification documents they provided me to sign, stated my interest bearing principal balance would be equal to the current value of my property at the time of the modification. At the time of the modification my property was valued at approximately {$700000.00}. The modification documents stated the value of my property was {$840000.00}. When I confronted XXXX XXXX XXXX, my single point of contact at Ocwen he told me that Ocwen was offering me the modification as typed and would not make any correction related to the value. He told me if I wanted the modification I would have to accept it as is by the due date. I have honored the letter and the spirit of the agreement but Ocwen has not.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Citi Bank closed my online account with no notice to me at all. When I went online to pay my bill, the user name and password I have used for years was suddenly not active. It asked me to set up another online account, and the account log-in name was available, so my history and online profile was completely deleted. I called the company to discuss why and they could not give me an answer as to why. I am concerned that all my history and information is no longer available to me and this seems to be a very concerning issue related to online fraud. I would like them to investigate but they did not at all seem concerned with the matter.

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 11-04-2015 about Debt collection (I do not know) with USCB Corporation (HI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX school. this is online school. i did not provide my social security number to this school when i registered online.. i do n't know why they have my all information. this school send me to the XXXX company ( USCB CORPORATION ) Collect. i have already talk to them i need close my account. and it show me on the credit report .They keep billing me all the time. I stopped paying them my hard working money, and wasting my time since i went to university.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This complaint includes both private and federal student loans. I went into the military in XX/XX/XXXX and received a XXXX student loan repayment incentive ( XXXX actual paid, XXXX went to taxes ). AES owned all my loans at the time, ( XXXX total loans, XXXX private and XXXX federal ). The military made the first payment of XXXX around or about XX/XX/XXXX. After receiving the first payment AES applied the money to each loan instead of paying off my private ones first, as I requested. After the first payment of XXXX AES sold my federal loans to XXXX, but they sold them for the amount of the loans before the XXXX payment was made from the military. Another payment of XXXX was made XX/XX/XXXX but the amount of my loans has not decreased much ; I initially owed XXXX, after the XXXX was paid they are still saying I owe over XXXX. This makes no sense and I have tried to speak with both AES and XXXX many times. They never give me a straight answer. They 've told me that the majority of the money paid by the military was paid to the interest on my student loans, which they are not suppose to do, they are suppose to pay it toward the principle. Another issue is that I had to claim the XXXX from the military as income, of which XXXX was taken for taxes. I am never on the phone less than an hour when I call them and I have still never had resolve and I have been dealing with them for years. One of the main reasons I went into the military was to get the majority of my student loans paid off. I am now a XXXX veteran and I am beyond fustrated with trying to get my student loans figured out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/15/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On several occasions I have contacted Experian Information Solutions, INC in regards to some allege debt that has been reporting on my credit report as derogatory or negative items. I request on many occasion that this credit bureau validate the allege debts but I have never receive any evidence of verified debt from original source. The credit bureau is supposed to request verifiable proof not partially but in whole according to federal law. The law requires the bureau to only report the negative item if they have 100 percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is supposed to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. Experian is reporting a XXXX XXXX account on my credit report that belongs to someone with a similar name. I sent the proof that the account was in someone else name to Experian yet Experian fail to investigation this. I have valid proof that the account belong to someone else. Also Experian is reporting XXXX XXXX XXXX which is not mine. Recently I sent a notarized letter via USPS tracking to Experian to have these negative information investigated. I also sent proof that the XXXX XXXX XXXX account is not mines, but Experian response by stating that they are not investigating this. The other XXXX credit bureaus have acknowledged that this alleges XXXX XXXX XXXX and XXXX XXXX XXXX accounts does not belong to me and they have deleted these items from my credit report. Experian fail to provide me with require information that these allege debt are 100 percent accurate, Experian still reports these negative information on my credit report. Also I have received letters from Web Bank stating that they ca n't validate the allege debt but this negative item is still being reported on my credit files. Experian needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. Experian is supposed to exercise their responsibility with fairness, impartiality and respect for all consumers. Experian never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. Experian is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only supposed to be reported when you have 100 percent verifiable proof. Now Experian continue to report negative items on my credit report and fail to provide me with 100 percent accurate, legitimate validation of allege negatives that they are reporting on my credit.

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 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I made a few purchases at sears and were told a soft credit check will be made to see if I 'm approved for a sears card. Now my credit score is affected due to what turned out to be a hard inquiry.

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 09/21/2017 about Debt collection (Other debt) with Bliksum, LLC (CA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I was 7 days past due on a loan payment with XXXX. I had already informed them it would be late due to unforeseen health problems and lost pay from missing work due to my health and my family 's health. They were calling me excessively at work and on my cell phone number from numerous area codes and left a huge amount of voicemails all week. Then on XXXX/XXXX/XXXX, I received an email from my company email from another employee of the company I work for, whom I do not know, do not work in the same office with or have ever even met saying that " XXXX at XXXX XXXX called and she would like for you to give her a call at ( XXXX ) XXXX, their open until XXXX. I was completely embarrassed and outraged that they did this, I do not even know her! I faxed them, sent them online letter as well as mailed a cease letter informing them that I am not allowed calls at my place of work and especially they are NOT allowed to contact a third party co-worker with my personal loan information, which saying they 're from XXXX XXXX is pretty obvious I owe a debt!

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2015 about Mortgage (VA mortgage) with Ditech Financial LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I have been having several difficulties since our mortgage was transferred from XXXX, then GreenTree Mortgage and now Ditech mortgage company. Since the transfer, my husband and I have noticed that our monthly payments are not being applied correctly and the mortgage company and we feel like we are being scammed. We pay additional money each month where we request that the additional amount be applied towards the principal and escrow. The mortgage company does not supply payment books that allows us to pay extra towards the principal and escrow. When we spoke to them about our issue, they spoke to us in a condescending manner and tried to make us appear stupid. We were told that they could not provide us with a payment booklet that would allow us to show how much of our additional payment should be applied to principal and escrow. In fact, we were advised to write it out on our payment statement and then we have to call each month to inform them how to apply it even after we had written it out. My husband and I are both elderly and I 'm in a XXXX. We feel that this mortgage company has made it very difficult for us and have taken our additional payments. When we receive our monthly statements, we notice that our additional payments are not being applied. Where has our additional payments gone? We are elderly but we will not sit back and be taken advantage of by this mortgage company. When our mortgage was transferred to GreenTree, we never received a check for the extra funds that we had paid into the escrow account after our taxes and insurance was paid. Where are those funds?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Debt collection (Auto) with BB&T CORPORATION (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: After my atuo loan provider contacted me at work I told them not to contact me at work again they threatened to make deductions to my pay and made me a offer of payment. The colecter demanded " when I will I be payed my money '' then threated that if paper work or payment was n't receaved by the end of the month that they will proceed with garnishment. Because I did n't know what my rights where I told them to email mail me the paper work. I also have receaved multiply phone calls in a day from this corperation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Credit reporting () with Atlanticus Services Corporation (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I paid off my Aspire Credit card more than 2 years ago. Recently, I was notified by my potential mortgage lender that Aspire Credit Card has incorrectly reported on my account status with XXXX with XXXX different account numbers and XXXX different statuses. Once as " closed and paid in full '' and the other as " closed and paid with a balance, '' this XXXX XXXX is incorrect and has not been updated since 2009. When I called to ask for a correction, they said my records were purged so they could not correct the account and would not send me a letter stating that the account was purged. Apparently it is their policy to delete all account information if it is paid more than XXXX year old, but not a policy to update the records correctly with the Credit Bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 04/21/2017 about Debt collection (Payday loan) with Eastern Management Group LLC (UT).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: A complaint was filed by me against  Eastern Management Group  on  XXXX / XXXX /  XXXX  , which was received by the company, investigated, substantiated, and resolution is noted by the company. The employee had been terminated as part of resolution, and a cease and desist was in place as of  XXXX / XXXX /  XXXX  , per "  XXXX  '' at  Eastern Management Group o n  XXXX / XXXX /  XXXX  , as I had to call them after they contacted my mother about this matter, see the documents provided, on  XXXX / XXXX /  XXXX   around noon AFTER a cease and desist had been noted on the file on  XXXX / XXXX /  XXXX  . The employee at  XXXX   XXXX   XXXX  validated for me, on a recorded line, that this should NOT have happened, and all contact should have ceased on  XXXX / XXXX /  XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Reviewed my   XXXX   credit report dated    XXXX   XXXX  2017     and  Portfolio Recovery  Associates ( PRC ) reports an original balance due of {$1000.00} : 1. I am without sufficient knowledge of a balance due and therefore entire existence of a balance due to  PRC  is being disputed by me.   2. Demands for a genuine original promissory note with my wet ink signature have gone unanswered. I have stated a bill of sale is not evidence to the fact.   3. Further,  PRC  has never produced original signed chain of assignment ( if applicable ) and/or any credible detailed evidence and/or circumstances that resulted in such an original balance due to me.    4.  This information erroneously appears on all  (   XXXX   )  credit reporting agencies and I have asked   XXXX    to dispute such claims with no response from  PRC .   5. As such, all such information should be deleted from all (  XXXX  ) credit reporting agencies.    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Mortgage (Conventional fixed mortgage) with AMERISAVE MORTGAGE CORPORATION (CO).
Issue: Settlement process and costs

Complaint: I applied for a mortgage on XXXX XXXX 2016 With Amerisave Mortgage Corporation. I received an offer and a lock agreement for a {$180000.00} 15 years loan at 2.75 % .+ points discount. During the next 2 months after many emails and phone calls and many document transfers, I was informed that if I did not agree to a new interest rate and 20 years mortgage our loan would be terminated. Well I needed the refi to pay off some bills and for the down payment on my daughters town home. I was between a rock and a hard place as if I started a new application elsewhere it would take another 2 months and she would lose the earnest money and the town home. I had to take the new rate at XXXX and no reduction in the points for the loan. Not only was I taken advantage of by Amerisave Mortgage, if after all is said and done they also XXXX with the points charges. I believe that I am not the only person preyed upon by Amerisave Mortgage as a lot of their reviews on the internet paint them in a very negative light.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I had a total of 6 accounts with Bank of America and have been a customer for over 10 years. On Tuesday XXXX XXXX, 2017, at  approximately XXXX, I was in XXXX getting groceries, household items, and the last of my kids school supplies. When I inserted my card for payment, my card declined. I contacted Bank of America, where I was informed that all of my accounts are frozen and that it would be approximately 2 weeks before I receive cashiers checks in the mail. I have NO cash or access to any of my funds. What 's heartbreaking is that I 'm the mother of XXXX children, XXXX of which will be turning XXXX on XXXX. She is an AMAZING young lady who has maintained a G.P.A between a XXXX and a XXXX her entire academic life and never asks for too much. All she wanted was a birthday party for her XXXX, which is now compromised due to Bank of America 's " business decision '' to terminate their relationship with me as a long time customer. I 'm a wreck and not sure what to do, but figured this would be a great place to start. I want to add that they also informed me that notifications were sent out regarding the closing of my accounts, but I only received the one about the credit card account being closed. At that time, I paid the balance and disposed of the card. I had no idea that they would be freezing ALL of my accounts and I would be denied access. Thank you so very much for this service where consumers are able to at least voice their concerns and issues against such giants like federal banks. I currently have a 3 checking accounts and 2 savings. My daughter 's account has approximately {$230.00}. My primary savings has approximately {$37000.00} ( give or take ). My secondary checking has approximately {$300.00}. Savings approximately {$190.00} and second savings approximately {$10.00}. I may have another account that 's not very active and I 'm uncertain of the balance. Thanks again.

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 monetary relief