milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was attending XXXX University in XX/XX/2011. I had completed 2 semesters when myself and the rest of my classmates received a call to inform us not to come to class the rest of the week and we would be informed later as to what was going on. Well the school lost accreditation to their XXXX program. We were all involved in a lawsuit that was settled through the college insurance. It was only a very small portion of our loan amounts due to the large number of students involved. Anyways we were still left with a very large debt and no degrees to increase our salaries to pay these debts. I am struggling to repay these loans and it has really damaged my credit report. Gendering me from buying a car and the necessary items one needs. XXXX scammed us. They are letting me defer my payments right now due to my income but they are still adding interest to my loans at a high rate. Every time I get a job that pays decent they expect {$400.00} to be payed to them monthly. Sometimes more. I feel like I 'm never going to get this taken care of. What they are doing is wrong. Please help. The college needed up losing all of their accreditation and had to shut down. XXXX University XXXX XXXX campus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 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: Account status incorrect

Complaint: The following XXXX opened in XX/XX/XXXX and paid in full via debt collectors, several years ago, after the statute of limitation already allowed for this debt to be canceled, has all of the sudden been reported XX/XX/XXXX why now?

Ive been working hard to improve my credit score and now this appears out of the blue to damage it. Doesnt it seem very suspicious?

Thanks for your attention!

This has been paid in full at least 5-10 years ago, unknowingly after the statute of  limitations made it unnecessary, through a debt collector : XXXX XXXX Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$4700.00} Term -- Monthly Payment {$5400.00} Responsibility Individual Account. 
Balance {$5400.00} Highest Balance {$6900.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$5100.00} Times 30/60/90 Days Late 1/1/3 Remarks Charged off account Account closed by credit grantor

Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I had/have been trying to get a modification of my mortgage since XXXX. I kept asking and asking to no avail. Hudson City Savings Bank said that since they did not take any " XXXX '' money I ( and every homeowner through HCSB ) was not entitled to any of the government programs that COULD AND WOULD have SAVED my house. I 've now spent {$15000.00} on an attorney for the past 2+ years ( and I am on XXXX and get a small amount ). My house is now up for Sheriff 's Sale. I am now trying to get a modification through M & T Bank who bought out/merged with HCSB I do not know what will happen with M & T. But I should not have suffered all these years with calling and writing letters every month asking for HELP.Through all these years HUDSON CITY SAVINGS BANK did NOT offer any alternative programs to HELP save my home. They never even responded to any of my numerous letters or phone calls to discuss options. It was as if I never existed. This is NOT how a BANK that profited during the financial crisis should treat their customers. When the " late '' CEO XXXX XXXX got an average salary of $ XXXX a year ( over a 5 year period of time ) during XXXX, see Forbes article, and overall $ XXXX in stock options. 

" The Financial Crisis Inquiry Commission Report '' XXXX says and concurs that the Banking/Financial/Investment institutions WERE at Fault and caused this economic collapse ( and they benefited in the millions of dollars ) so why do I and every other home owner now suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with SOUTHERN MANAGEMENT CORP. (TN).
Issue: Problem when making payments

Complaint: I got a loan from XXXX XXXX in XXXX XXXX tn on XX/XX/XXXX I have paid my payment every month and tried to make my payment on XX/XX/XXXX. They got my card information to get the XXXX payment but informed me that I had to pay XXXX I told them I did not have XXXX all I had was XXXX and I would pay the other XXXX in two weeks when I got paid again but I would pay the XXXX dollars that was due on my statement.they refused my payment and on XX/XX/XXXX told me that now I have to pay XXXX even though they refused to take my payment I told them to stop calling me since they refused payment and they told me they would keep calling me as much as they want until I pay XXXX.and there was nothing I could do about it.

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 07/25/2017 about Payday loan, title loan, or personal loan (Installment loan) with Upstart Holdings, Inc. (CO).
Issue: Getting the loan

Complaint: I applied for a personal loan. After some back and forth I decided to withdraw my application. Their process was flawed and i lost faith in their ability to be on top of things. i asked them to remove my collected data from the application from their database. They refused. When i asked them to explain why they said it was against the Fair Credit Act rules and regulations. I asked them to send me the particular section relating to that, several times, and have heard nothing back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I recently submitted a report for identity theft due to recent discovery my identity has used to open up account for medical and utilites. The following items should be removed and deleted from my credit report Account Numbers 1.ACCOUNT XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX* 2. XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX XXXX # XXXX 4.XXXX XXXX # XXXX I was living in XXXX OHIO at the time these account were open. I do not recognize these companies and I have never lived in XXXX Tennessee.

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 11/29/2015 about Debt collection (I do not know) with Fein, Such, Kahn & Shepard, P.C. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Signed up for a class at the XXXX XXXX XXXX at XXXX XXXX. Paid {$1400.00} up front for a class I believe had been {$2000.00}, dropped the class after attending just XXXX classes. I had been told to notify the XXXX office, which I did but never received any paperwork to demonstrate my dropping of the class. This is from the summer of XXXX. 

There had been an alleged certified mail sent to me, XXXX XXXX, never received it. It shows I signed for it, the same day it had been sent out. That is not possible and it is not my signature. 
I have since had the law firm of Fein, Such , Kahn & Shepard put a levy on my checking account. I fear next they 'll attempt to repossess my car, the only thing I do have and would n't be able to get to work. 
I had spent the past 3 years on general assistance due to helping my mother who had been diagnosed with XXXX XXXX. Lost her in XXXX of XXXX and then lost my father, XXXX of XXXX. I now live in a home that my father did a reverse mortgage on, I have no heat or hot water as I could n't afford to pay the bills he left behind at the time of his death. 
I started working again a few months ago at the XXXX, this position required XXXX. Having gone through XXXX background check, XXXX, I have now been informed XXXX. 
I received an official letter from them this week, XXXX/XXXX/XXXX. 
I am not sure whether my compromised information is a result of what is happening and what this unscrupuous law firm is attempting to do to me. Pay a {$6000.00} debt, an alleged debt that when contacting XXXX XXXX, has no knowledge of. 
They can see I paid {$1400.00} of the class and nothing of me owing them any money whatsoever. 
The above mentioned law firm states they 're representing XXXX XXXX, as said, the school is not aware of any debt owed to them from XXXX or anytime after that. 
This is who I had spoke with at XXXX XXXX XXXX XXXX , Program Coordinator for XXXX. 
I can not afford to pay this alleged debt, I do not owe this allged debt, this law firm to using the law to collect what 's called zombie debt and using any means to collect that alleged debt for their own financial gain. 
I also suffer from XXXX XXXX XXXX and this added stress has been causing me issues with the disease. I am attempting to get back up on my feet, work, move to an apartment, pay legitimate debts I owe and can not endure what this law firm is attempting to do. 
When researching that law firm, first XXXX results are of ripoff report, XXXX complaints with their debt collecting tactics, being sued by another state 's court for robosigning mortgages and makes me wonder how they 're still able to operate? 
I can provide all required documentation, transcripts of my discussions with XXXX XXXX, XXXX official letter that my XXXX being on general assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with MRS BPO, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is attempting to collect a debt from me against their own customer agreement, changed a policy outlined on its website to defeat my complaint, and disregarded the first assigned debt collector who wrote me an apology letter, evidently believing XXXX violated debt collection laws. 

I transferred mobile carriers from XXXX to XXXX on the last day of my billing cycle. I shortly thereafter called to confirm my balance was XXXX dollars. 

My account was later debited about {$400.00}, and so I called for a refund, but was informed that I was no longer the account owner and needed permission from one of the remaining lines, my mom. The representative three-way called my mom, who asked XXXX to refund me. I received a refund a few days later. 

About two months later I received a bill for over {$1000.00}, but when I called to dispute the bill, I was told I was the account owner, and moreover that I did not transfer liability pursuant to an " assumption of liability '' policy outlined on XXXX website, which I disputed as inapplicable, and because it contradicted prior representations. XXXX then changed the page in an apparent move to defeat my complaint. 

My mom states that XXXX told her she could not leave the carrier until the following billing cycle and that she would not be charged. From the billing statement I received, there was no usage on her line, but she was still charged. 

The debt was sent to a collection agency, but after I wrote them a letter, they apologized and said they would cease their collection efforts, and would forward our correspondence to XXXX. The debt was then assigned to a second collector, although an executive representative from XXXX said they did not receive anything from the first collector. 

My credit score, which was formerly " very good, '' was also impacted XXXX points.

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 01-06-2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Charged a late fee on my mortgage payment erroneously. check was cashed on XXXX, late fees payable after XXXX and yet bank charged me a late fee.

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 08-01-2017 about Debt collection (Medical debt) with Fresno Credit Bureau (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have a {$94.00} medical debt that 's negatively impacting my credit score. I called the company to set up a payment plan to get it paid off and removed from my credit score. I am pursuing payment for  deletion of the account from my score. The first man I spoke with tried to indicate to me that I owed {$110.00} and change, which is incorrect. My credit report and the bill from the original medical company both confirm the amount is {$94.00}. He then corrected and confirmed the amount. I requested our agreement of payment for deletion be put in writing, for my records and an assurance that it would definitely be removed. The representative said that he could not do that, at which point he transferred me to his supervisor in case she could. When XXXX XXXX, collections manager, picked up, she refused to acknowledge the {$94.00} bill and instead insisted that she 's legally allowed to charge me interest on a MEDICAL BILL on behalf of her collections agency. This is illegal. She attempted to bully me into accepting the {$110.00} amount, was extremely condescending and suggested I do " research so that I know what I 'm talking about ''. I then requested a copy of my recorded call with the male representative and her be sent to me for this report. She refused to furnish copies of the records of my communication with the male ( in which he promised the correct amount was due and a deletion upon payment ), and told me her line was private and unrecorded.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: I contacted Equifax twice over the phone about inquires made on my account each time I was told they would not investigate and I would need to handle myself. I mailed a certified letter on  X/XX/2017    requesting verification of the inquires sent. This letter was received on  X/XX/2017    but Equifax responded on  X/XX/2017    with an explanation of what an inquiry was not a verification. No true investigation was completed as I requested. I have disputed these inquries online on  X/XX/17   ,  X/XX/2017   , and  X/XX/2017    and each time they are saying the results are factual with no other information or verification. This is a clear violation of my FCRA rights. I have a right to be provided proof that these are in fact factual inquires and Equifax has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Under the public records sections of the consumer credit report, an item is listed without the status or resolution of that item being listed which has been resolved. The item is a state issued tax lien which has been paid in full in addition to being released.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: This is a complaint that Bank of America had errors about posting transactions and errors debit and take money from the depositor put in the account for wrong transactions and posting. This is regarding the account XXXX the bank had used fake claims to take the innocent money in the bank account. There were XXXX fake claims on this account caused it to no more money for balance and the bank claim dept did not respond to the need of tbe owner of the account but respond to the fake claims cause the owner lost money that keep in the account. The money can be lost and go to a thief. This is a big error need return money to the account owner

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
Consumer complaint received 03/20/2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I received a consumers report # XXXX from Experian stating that XXXX XXXX Acct. XXXX ... would be deleted XX/XX/XXXX. The date of that report was XXXX XXXX, XXXX. I requested and received an updated report # XXXX dated XXXX XXXX, XXXX. On this report I notice that XXXX XXXX Acct # XXXX ... was not going to be deleted until XXXX, XXXX. I worked on establishing new credit and in XXXX, XXXX I disputed XXXX XXXX and other items on my credit. They did n't remove it saying I had made payments since then, I did n't understand and continue do n't understand. I disputed again in XXXX, XXXX they refused even look @ it again. This account is listed as closed, yet it is reported as late every month. There are XXXX other accounts that are closed and also being reported as late. I believe these account should be deleted already. Finally, what is so puzzling to me, is my fico score has been consistent for months between XXXX and on XXXX XXXX, XXXX my fico score went from XXXX to XXXX. On XXXX XXXX, XXXX my score dropped from XXXX to XXXX but nothing changed on my credit file. The only reason I can see it changed is that I canceled another Experian product around that time. Things that right on my credit file should stay, but things that are in question or in error should be removed. Thanks for consideration.

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 01/23/2016 about Mortgage (VA mortgage) with Pacific Union Financial, LLC (NH).
Issue: Loan servicing, payments, escrow account

Complaint: Pacific Union Financial by law is obligated to pay my insurance on time as long as I am not 30 days late on my payment. they are three months late on paying my insurance. Secondly, when calculating my RESPA they calculated the account wrong and by law I need to receive an initial and current RESPA analysis in writing within 30 days after initial and current calculations and have received no mailed documents at all. Thirdly, by federal law the maximum allowable escrow cushion is XXXX of total escrow in 12 months and Pacific Union Financial has more cushion than that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Mortgage (Conventional fixed mortgage) with MIDCOUNTRY FINANCIAL CORP (MN).
Issue: Loan servicing, payments, escrow account

Complaint: MidCountry XXXX sold my loan to another company " B '' on XX/XX/XXXX. I received two XXXX forms from both companies in XX/XX/XXXX. I found that mortgage interests received from borrowers ( the numbers in box XXXX ) add up not equal to the amount I have paid in XX/XX/XXXX. I reached out to MidCountry XXXX, which explained to me what happened in their end and ensured me that their XXXX is correct. The same thing happened when I contacted company B. 
In total, I spent more than 4 hours talking to both companies back and forth multiple times, which was a very frustrating process. 
Eventually, MidCountry XXXX admitted they made an error on the XXXX form on XX/XX/XXXX, which negatively impacted my tax return filing for XX/XX/XXXX. The staff apologized to me in email. However my request for a compensation of my time : $ XXXX/hr * 4 = {$240.00} from MidCountry XXXX for their mistake was completely ignored.

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 10/15/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (FL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: I had two fraudulent debit card transactions which totaled {$150.00}. The fraudulent transactions were reported to BBVA immediately. However because of this my own transactions overdrew account and Bank charged XXXX dollars per transaction. I contacted fraud disputes and asked for them to expedite my provisional credit and fee reversals. A week later, nothing has been done. I have spent hours on the phone on hold with their disputes area, no one seems to care. No provisional credit has been made to my account and only two of the 4 NSF fees were credited after pleading with their supervisor. This is not the response of a Bank who is truly interested in their consumers well being and it appears to me as if they dont devote the necessary resources to deal with this sensitive issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-11-2015 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Billing disputes

Complaint: On or about XXXX/XXXX/15, I noticed a pending charge on my American Express card that I did not make. AMEX gives the consumer the option to 'mark ' a pending charge to be watched. My note indicated that the charge was fraudulent. Once it posted, I again, contacted AMEX to tell them about the fraudulent charge. They told me that I was n't responsible for the charge. I spoke to another person in the fraud department earlier this week, who assured me that once my billing period closed, the charge would be removed. Not only did they not do as they said they would do, but I just received my XXXX statement and the charge is still there. AMEX refuses to listen to the consumer and is deceptively telling them they are n't responsible for the charges. Because this charge is for a merchant that many people do business with ( XXXX ), many people may overlook it when someone fraudulently compromises their credit card. 

AMEX uses unfair and deceptive practices when they REFUSE to remove a charge that the consumer says is fraudulent. I 've marked the charge for inquiry, disputed the charge, all to no avail. I 've even told them I would file this complaint if they did n't remove the charge. They are either incompetent or are so arrogant to think the consumer is an idiot and will just pay the bill.

Company response to consumer: Closed with explanation