milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Each month I make my {$560.00} payment on time. I am never late. I have an automatic payment scheduled with my checking account. Every month when I receive my new statement from Fedloan Servicing. My " Principal Satisfied '' changes from very low amounts ( that do n't make any sense ) to what could be looked at as reasonable amounts. My concern is that I am being cheated on how much is credited to my principal each month/payment.

Company response to consumer: Closed with explanation
Consumer complaint received 04/19/2016 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: i got a letter from PayPal inc charging me {$99.00} from nowhere? 
i dont know why they are cahraging me that amount? 
First, i dont have credit with paypal inc second, i buy on XXXX, XXXX but my debit card is charged every time i use it. 
please help me avoid this scam

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/20/2015 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Capital One. They sold the account some XXXX times over and was paid through my taxes. Each time they update it per your law that states Federal Law FCRA 623 ( a ) ( 5 ) cb ( iii ) Pursuant to CA law they are going beyond the statue of limitations as well ( full disclosure act XXXX ( 3 yr statue of limitation. This is year 7 It is listed as Capital One sold to XXXX XXXX another new date of XXXX was taken off on XXXX and then finally sold a XXXX time to XXXX and started a new date of XXXX. They have yet sold it again to a company out in XXXX, CA All of this is illegal and they are not following federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I was affected by the Equifax security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Mortgage (Conventional fixed mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a regular mortgage that has a minimal payment of {$1000.00} per month. I had recently started to pay a portion of that to the Mortgage company bi-weekly. There is no early pay off penalty. So I would send {$600.00} every two weeks. Last week, they returned the check and said that I have to submit the minimal payment of {$1000.00} dollars and included the uncashed check. I am not sure why they would not accept a check in any denomination formy mortgage. The companies name is Franklin American Home Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: dear sir/madam, the   XXXX   XXXX   XXXX   was started report on   XXXX   XXXX   XXXX  , an account, that was an a Personal loan for {$5000.00}, opened on   XXXX   XXXX  . THEY ARE REPORT like a " Conventional Real Estate Mortgage '' AND  (  Closed - Derogatory ) impacting my score in a frivolus AND MALINTENTION TO HURT MY CREDIT MORE, because that account was included in a chapter "  XXXX  '' schedule, AS A PERSONAL LOAN NOT A MORTAGE, on   XXXX   XXXX   XXXX   and discharge on   XXXX   XXXX      (  United States Bankruptcy Court  XXXX   XXXX  of Florida.     credit report :  XXXX   XXXX ,  XXXX .   XXXX   XXXX    XXXX , P.R. XXXX  (  XXXX  )  XXXX  Reported on  XXXX   XXXX ,  XXXX  {$4700.00} Account Details Last Reported   XXXX   XXXX   XXXX   Creditor Name   XXXX     XXXX  Account Type Conventional Real Estate Mortgage Account Status Closed - Derogatory Opened Date   XXXX   XXXX   XXXX   Closed Date   XXXX   XXXX   XXXX   Limit Term 60 Months Monthly Payment {$140.00} Responsibility Individual Balance {$4700.00} Highest Balance {$5000.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment   XXXX   XXXX   XXXX   Amount Past Due {$1700.00} Times  30/60/90  Days Late 0/0/0 Remarks Charged off as bad debt Profit and loss write-off

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 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: In XXXX 2017 I filed a dispute of an item on my credit report with Transunion. I provided documentation which proved that a collection did not belong to me and Transunion removed the disputed item from my credit report. A week later I discovered through the TransUnion website that they had lowered my credit score. The reasons for the scoring were contradictory. On the positive side they claimed I had no collections, that my debt ratio was perfect and my payment history was perfect. On the negative side they claimed I had too many collections and past due payments my debt ratio was too high and the age of my accounts was too recent.
When I called to find out the reasons for the discrepatencies they told me that the score on line is not my real score and that I would have to pay to get my true credit score. When I told them that they had raised my score last month and I owed more and had the incorrect collection yet this month they lowered my score even though I owe less and the collection was no longer listed they told me that the scores they give for free and the scores they give when I pay them and the scores they give to potential creditors are not the same. They also refused to transfer me to a manager for clarification. I feel that TransUnion is intentionally providing fake score on their website in order to force people to pay for an accurate credit score. In addition, the measure they use to determine credit scoring is arbitrary and biased. I feel TransUnion uses bribery in order to sell scoring products and also practices discriminatory scoring practices.

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 02-01-2017 about Student loan (Federal student loan servicing) with SLM CORPORATION (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Sallie Mae does n't provide a form XXXX for student loan interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (WA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I spoke with Pennslyvania Higher education this month and on that call I requested to arrange a lower payment or some sort of plan. I was told there were none available to me at this point. The man stated on the phone if I made my full payment in XX/XX/XXXX my taxes would not be taken from me, when i called today because they called me yesterday they stated they sent to the IRS yesterday to take my returns. I asked to speak to a Supervisor and she informed me there was nothing I could do I told her I spoke with them and siad nothing would be done with my taxes unless I missed anotherIr XXXX. which I have no idea how! I attended XXXX College in XXXX CA that is no longer there I was promissed every quarter to get on the job experience while I attended and it never happened they told me this was part of the program I graduated without every once stepping into any hands on training of any kind. I 'm currently unemployed and a single parent I 've never been able to get a job in the field most places claiming because I have no hands on experience. This student loan has ruined my life, I can never buy a home and constantly have poor credit no matter what I do. Please help me if you can. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I completed annual credit report request form for all XXXX reporting agencies and mailed the form to : XXXX, GA XXXX. I immediately received in the mail my annual reports from XXXX ( XXXX/XXXX/16 ) and XXXX ( XXXX/XXXX/16 ). Experian sent a letter on XXXX XXXX, 2016 stating they needed more information and provided an entire list of verification items required. The letter stated that I could also get a copy of the credit report online. I tried accessing the credit report online from XXXX as instructed but could not obtain the credit report using that method. I then made a copy of my drivers license, provided a copy of a utility bill along with the original form that contained all the info such as name, social security number and other requested info and mailed back all the documentation. I received another letter dated XXXX XXXX, 2016 stating my info was either insufficient or illegible. Neither situation applied. I provided all requested info with clear legible copies Once again, the letter stated I could go online to obtain a copy of my credit report. I then attempted to go back online and was still unable to get the report online. There is no telephone number for Experian or XXXX that allows me to speak with a real person! Experian has made it impossible to receive a free copy of my credit report while XXXX and XXXX simply provided the report based on completion of their form.

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 07/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: My first Federal student loan was in 1997. It is not showing on none of my credit reports. The student loan was consolidated into one and paid off. My credit age is incorrect. I have had credit longer than 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Conventional fixed mortgage) with Eagle Home Mortgage, LLC (TX).
Issue: Settlement process and costs

Complaint: The Builder and I agreed to the purchase price of {$420000.00} and the builder offered to give a XXXX % incentive and Title fees ( Approx. {$12000.00} ) towards the closing cost and title fees provided, I finance through their in-house lender, Universal American Mortgage Company. 

The Good faith estimate showed the {$12000.00} credit but the interest rate charged was 4.25 %, whereas based on my credit score of XXXX, I am eligible for interest rate of 3.75 %. The lender structured the loan by rolling the closing cost and title fee and increasing the interest rate by 0.50 %. ( Which is exactly equivalent to 3 % premium amount of the loan ). The lender is trying to recoup the incentive amount by increasing the interest rate. When I brought this up with the builder, he was not ready to listen to my argument and referred back to the contract. He also refused to return the earnest money of {$4000.00} if I wish to cancel the contract. 

The Earnest money of {$4000.00} was paid on XXXX/XXXX/2015 to the builder towards the property located at XXXX XXXX XXXX XXXX, XXXX TX XXXX and the purchase contract was executed on XXXX/XXXX/2015. On XXXX/XXXX/2015 I received 'cash to close summary ' from lender for which I did not agree and objected on the same day. Since then I 've been talking with builder 's representative XXXX XXXX and Lenders representative XXXX XXXX expressing my concerns and repeatedly asking to have my concerns escalated to their management and to explain my rights of cancellation options. They never escalated anything to their management nor explained to me, either verbally or in writing my right to cancel the contract. 

Finally, on XXXX/XXXX/2015 XXXX ( VP Sales ) contacted me at XXXX XXXX, I explained to him the whole situation and told him that even if I was to go with any other lender and ask them to structure my loan in a way that I do not have to come up with any closing cost out of my pocket, they would offer me the same loan that Universal is offering me, in other words I am not seeing any credit that XXXX is promising me to pay. I also stated that if they can send me an email stating that the " Entire incentive amount offered by XXXX is being applied towards my closing cost and ; none of my funds whether in the form of cash or premium are being utilized on life of the loan? '' to this he responded by saying, that 'he is not obligated to do that since i have already signed the contract with them ', further he threatened me that I am in breach of the contract. XXXX 's representative wasted time escalating to their management and now they are trying to hold me responsible. I was under the impression that once I get hold of any senior management person that person would listen to my concerns and help me, or at the least be courteous, however I was wrong ; instead Will was very rude on phone and threatened me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Hello, I 'm a XXXX. I took out XXXX school loans from XX/XX/XXXX-XX/XX/XXXX serviced by Navient ( formerly XXXX XXXX ) for well over XXXX. For the next 6 years I finished my XXXX ( 5years ) and XXXX ( 1 year ) at XXXX including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX with an average yearly income of XXXX. Through out these six years I was repeatedly and from the very beginning was steered by Navient into forbearance. 

The cycle began with when I started residency and my loans went into repayment and I discovered that the monthly payment was almost equal to my monthly income. I was told by the company that deferment and forbearance is my best option unless I had another source of income. Yearly I would receive letters stating that forbearance was expired and that the next payment ( almost equal to my income ) was due and several times received a late fee because I failed to make that payment. Then I would call and was told that the best option was sign a forbearance to avoid further penalties. In the end I was left with nearly XXXX $ when I graduated fellowship. XXXX When I got my first job as an XXXX at XXXX XXXX XXXX, I met with an financial advisor who explained that an option called Income Based Repayment was available and I could have also taken advantage to Loan forgiveness that would have saved me over XXXX $ over the years, however it was too late because now my income has substantially increased and I did not qualify. 

I feel that Navient steered me as an struggling borrower toward forbearance, and obscured information about programs that would have saved me over XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I know that consumers have the right to personally inquire about their credit reports for free once a year. I did so using  the website annualcreditreport.com. They could not verify my identity, so annualcreditreport.com  requested I fill out a paper request and send i n the US ma il along with documents proving I was who I said I was ( copy of  XXXX , Driver 's License, pay stub ). All three credit agencie s (  XXXX , Experian, and   XXXX   ) separately asked AGAIN for the same identifying info to be sent in. Experian finally gave me my credit report after satisfying identity verification.  With that agency, I was able to dispute an address online, and after their investigation, they determined that the address did not belong to me, and removed it the next day.  <P/> With  XXXX , once I received my reports throu gh the US mail, I was able to dispute online that same address. But now, with  XXXX , they have asked a third time for identifying information to be sent in with my dispute. I could not dispute online, they would only accept through fax or mail. I am not comfortable sending documents with sensitive, personal identifying information a third time JUST to dispute an address. This process is cumbersome and invasive. ( They also gave a list of   XXXX   items that they required to prove my identity, one of  which is a utility bill. I rent, have a roommate, and all utilities are listed in the roommate 's name, so I am unable to meet that requirement, and sent   XXXX   extra identifying documents in hopes that it would fulfill the need of once again proving I am who I say I am. ) I work for a financial institution and understand the security checks necessary to prevent ID theft, but sending sensitiv e documents three tim es is ridiculous. How can the  XXXX  credit bureaus not accept documents by a third party that they themselves contracted with to supply credit reports directly to consumers?

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 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My granddaughter and I have the same first name but difference last name we have the same address but we do not have the same birthday nor do we have the same XXXX XXXX XXXX. Her student loans came up on my credit report and I would like to have them removed. The amounts and dates are XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX. XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, I called XXXX XXXX XXXX Credit and they told me I  needed to file a complain with Experian. This is not the first time this has happened and I would like for it to stop.

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 09/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (MO).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I called the debt collector on XX/XX/2016 at XXXX because I wanted verification of said debt and info on the account. I monitor my credit report weekly and all of a sudden last week I noticed a collection entry on my report. I never received any mail or notice of debt collection of said debt. There was never a 1st attempt to serve notice of debt. So I decided to inquire what they thought I owe to them. The agent answered the phone and asked what my name was. I responded and she read me the miranda and said the call was being recorded. I responded and told her I was recording the call as well. She said she did not consent. I said it doesnt matter as I needed more information on the said debt they claimed I owe so the recording is for my personal use and I do not need her consent. She asked me for my mailing address after she said that they have an address of XXXX. I said I do not live there and have not lived there. I will not give her my mailing address because she had yet to provide a debt validation to me. Then she literally went off on me over the phone and cut me off while I was explaining why I did not want to provide that info. The call lasted for 4 minutes. I was shocked that is how a debt collector treats someone who they have not even verified a debt with. I urge anyone if anyone to request the tape of that call and please listen to it. So many violations on that call. I ended up hanging up and stating that I will file with the Attorney General which I did after the call. How else can a consumer get a debt verification if they freely called and get treated like that by a collection agent? I consider that a threatning act to force me to bite into a false unverified debt. I demand validation of said debt. I do not owe any debt to said debt collector. She could careless what I had to say. She abused and intimidated me over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Hi, I used to have XXXX XXXX XXXX credit card since XXXX and have been using this card until XXXX XXXX. Since the card was expired, they sent new card to my address and it was never opened or activated this card to do any transactions. Currently I 'm Living in XXXX since XXXX XXXX until to date. As I 'm planning to visit XXXX again, I tried to activate this card online recently, surprisingly I noticed that the card was charged with some transaction in XXXX XXXX & XXXX, XXXX in XXXX area and it was past due until to date and reported to all credit reporting agencies. My questions is how a card can be charged without activation and that too I 'm not living in that area or in the XXXX during transactions made. I tried contacting Merchant to resolve this issue but I 'm not getting proper response. I believe these transactions are fraudulent or transactions have been made erroneously by merchant. Hence, I would like you to conduct an enquiry on this issue and resolve this issue as soon as possible as my credit history has been affected. I 'm attaching statement showing fraudulent transactions for your reference. Please let me know if you need any further information from my end to resolve this issue.

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