milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-11-2017 about Student loan (Private student loan) with SLM CORPORATION (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: This applies to both Private and Public loan service providers and is partly due to a significant gap in 34 CFR 685.204 concerning In-School Deferment and the National Student Loan Data System. Per 34 CFR 685.204, ( b ) ( 2 ) ( iv ), Student Loan custodians MUST process in-school deferments when they verify a borrower 's half-time enrollment status. First and foremost, this section should be amended such that the Student Loan originator MUST NOTIFY the borrower of their updated information and eligibility for In-School Deferment. At a minimum, the statute should include a mandatory notification to the borrower that they have been placed into In-School Deferment. I will now present an example of how the current process is predatory in nature : Educated borrower has graduated and begun making payments. They sign up for automatic bill pay with each Student Loan Originator and begin to pay down their debt. Years later, they decide to re-enroll to pursue a XXXX XXXX XXXX. They do not take out any additional loans. Unbeknownst to the borrower, the school supplies the borrower 's information to the National Student Loan Data System (  and possibly the National Student Clearinghouse ). The Student Loan Originator receives this information and as required by 34 CFR 685.204, ( b ) ( 2 ) ( iv ), moves the borrower into In-School Deferment. The Student Loan Originator has no requirement to inform the borrow of this transaction. While in deferment, minimum payments drop to {$0.00}, so no further payments are made. For borrowers with unsubsidized loans, their interest continues to build, with payments no longer coming in. So, through no action of the borrower and no notification to the borrower, the Student Loan Originator has increased the overall cost of the loan to the borrower, by a difference of potentially thousands of dollars. This is a predatory action. Any and all activity into and out of deferment should require written documentation and notification to the borrower. Additionally, Student Loan Originators should not be required to AUTOMATICALLY move borrowers into In-School Deferment. The action should instead be to notify the borrower to request permission to move their loan status to In-School Deferment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: My husband has XXXX and has been out of work since XXXX XXXX and the loss od our daughter in XXXX as well. We have falling behind in our mortgage for XXXX, XXXX, XXXX and now XXXX. We have call Nationstar to and applied for a loan modification and was denied in XXXX XXXX. We not sure if we are in foreclosure yet, but we need you help. Our complaint is this company Nationstar is rude and will not work with us, they are trying to push us into losing our home. We called hope hot line and spoke with XXXX XXXX at XXXX our client number is XXXX and our mortgage rep told him no they want XXXX payments. 
Nationstar rep is XXXX XXXX XXXX ext XXXX we do n't no what to do. We been in do n't want to loss our home. My husband is sicken and cant sleep. we tried to make a payment yesterday XXXX XXXX, XXXX and it was reused. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (NC).
Issue: Problems when you are unable to pay

Complaint: I continue to receive between 30 and 45 calls per week from Regional. I have received 3 voicemails within the last 2.5 hours during the work day. They continually call at exactly XXXX including on Sunday. Any reasonable person would agree that this is a violation and excessive. There is already a payment scheduled and I am still being harassed multiple times daily.

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 04-11-2016 about Debt collection (Credit card) with Commonwealth Financial Systems, Inc. (PA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Commonwealth Financial Systems INC had this account during the statue limitations. Commonwealth financial systems has put different dates on a XXXX credit bureaus when the account was purchase and forged payment on my account to keep the account open. The payment has rise from XXXXto XXXX. Common wealth and XXXX XXXX has put and double jeopardy on the credit trying to collect from the same debt. Commonwealth Financial has given me numerous dates of when they purchase my account and I have the dates infront of me when I call about every letter I have receive for Commonwealth Systems within the 6 years and more about this account .This account is also past the statue of limitations. Commonwealth has been acquiring contacting the credit bureaus using my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Consumer Loan (Title loan) with Westlake Services, LLC (CA).
Issue: Payment to acct not credited

Complaint: Loan Balance never going down and I 've been paying on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Problem with customer service

Complaint: On  XXXX / XXXX / 2017  I had my ba nk ( Santander Bank ) crea te a Cashiers Check in the amount of $   XXXX for   XXXX   XXXX  so I could invest towards retirement.  XXXX   XXXX  did not cash it because the because the bank put "  XXXX   XXXX  '' instead of "  XXXX   XXXX  ''.   XXXX   XXXX    XXXX   office in  XXXX   XXXX , California tried to send the check back on  XXXX   XXXX , but it was lost in the mail, and we have not received it back. We attempted to have our bank cancel the check and they said they are unable to do so until they have the original in hand. Our fear is that some malicious actor  may get a ho ld of it and attempt to cash 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 08-04-2016 about Debt collection (I do not know) with Miller and Steeno, P.C. (IL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have been sued with no paper service, found guilty by default ( because I did not know about a court appearance ) and have had and continue to have XXXX dollars garnished from my wages for debt that I am not sure is even mine. The amount garnished ( over {$400.00} each XXXX week pay period ) barely leaves me money for bills and groceries. It always seems to Miller and Steenos that are collecting these. I do n't have a clue about any of this until I get a notice from HR that another garnishment is in effect. Once they get a judgement they seem to continually find more, real or otherwise. Any help will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Several months ago, I suppressed my information with XXXX from sharing my information with any credit reporting agency or anyone. I had my information suppressed through both XXXX and their sub-company XXXX. In XX/XX/XXXX, I spoke with a representative that verified that my information and the law prohibits them from sharing any information up to and including public records. I have also disputed negative information being reported on my credit report with XXXX, Experian, XXXX and XXXX and neither company will correct the information. The most recent response I receive via email from XXXX on XX/XX/XXXX was the information they are reporting is accurate and that it was verified through XXXX. Now I wonder how that could be possible when per XXXX all my information with them is suppressed and frozen and they are forbidden by law to report any information pertaining to any aspect of my person, however XXXX, Experian, and XXXX on every occasion of dispute has verified that their information they receive is accurate and it was provided to them by XXXX. I information should have always been suppressed/frozen with XXXX from several years ago, when I became a victim of from around XX/XX/XXXX, however per a representative from XXXX unfortunately the suppression was compromise and it was being reported. Suppression numbers for XXXX XXXX & XXXX, XX/XX/XXXX & XX/XX/XXXX. XXXX per XXXX, Experian and XXXX is in violation of privacy law, practices, information, policies and procedures. These above-named companies have caused me great stress duress and financial losses due to their blatant disrespect for the law.

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 08/14/2017 about Debt collection (Credit card debt) with DISCOVER BANK (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: On XX/XX/XXXX I received a letter and in was documents for me to give my place of employment, cars that I drive, and banking information amongst other personal information telling me that I had a judgement against me I called them and told them I pulled my credit report in XX/XX/XXXX and paid ALL of my debts. The debt is said to be from Discover yet its not on my credit report He stated that there was a cease and decesase letter in XX/XX/XXXXbut didnt tell me when asked where it came from. He stated that he couldnt contact me to pay the debt because of the letter but i found a letter from them in XX/XX/XXXXsaying i could pay the debt with my income tax but no mention of a judgement in that letter Now they say i have a judgement and that judgements stay on file for 20 years however i can find nothing from my hometown as they stated it originated in XX/XX/XXXXcounty and the address given i had not lived at during the time they claimed they served me They claim they couldnt get in contact with me but letters prove that its not correct He also said the letter with the XX/XX/XXXX date had to be filled out and sent back as it was from XXXX County courts on the companys behalf. I stated that and asked for validation of debt and the questions I asked he couldnt verify the debt either. He said until they investigate and that can take " some time '' I should fill out the information regarding all of my assets I said so I am supposed to hand over my assets to you without validating a debt and on top of that you are telling me I have a judgement that should be public record but i ca n't find it?

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have been working with XXXX XXXX company regarding late payments removal, which has been unsuccessful ; I was unemployed and was approved for an unemployment forbearance repayment plan that was effective for 4 months XX/XX/XXXX- XX/XX/XXXX I was making onetime payments per arrangement ; during this period I made multiple payments that were not applied to loan they would only credit $ XXXX/ month ; in XX/XX/XXXX I was approved for funding via Illinois Hardest Hit they made reinstatement payment of XXXX on XX/XX/XXXX which was suppose to post on account by XX/XX/XXXX (  which it has not ) and will begin making monthly payment on my behalf XX/XX/XXXX ; my issue with XXXX XXXX is that in XX/XX/XXXX-XX/XX/XXXX they were reporting on-time on payment noting for agreed amount in the beginning of XX/XX/XXXX they update reporting to 160+ days past due which is incorrect. They are also reporting the wrong balance ; the correct balance of mortgage loan is {$140000.00} not XXXX. Payments were made on-time per arrangement XX/XX/XXXX-XX/XX/XXXX. I have disputed late payments via all three credit agencies, have sent emails, and written request to update payment history and balance which to this date has not happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/14/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (TN).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage with XXXX XXXX XXXX as of XXXX XXXX, 2016 now Penny Mac has the loan. I notified XXXX XXXX XXXX that I wanted to pay {$2000.00} on the principle balance of {$3000.00}, I was inform that it could be done even though I was behind two months. After making the payment on XXXX XXXX, 2016, I notified XXXX XXXX XXXX to verify that the payment had been processed properly, the payment was applied to unapplied funds and sent to Penny Mac ; therefore, I called Penny Mac to inform them of the request to apply the funds to the principle and I was told since the principle was {$3000.00} it could be done so after a few days I called Penny Mac to verify that the {$2000.00} payment had been applied properly but it had not so I spoke to a supervisor ( XXXX ) who attempted to get the amount approved but I was denied the opportunity to pay the loan off as early as possible. The loan would be paid off in two to three months rather than seven to eight, Penny Mac distributed the payment the way they wanted without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (OK).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I contacted care credit mid XX/XX/XXXXto offer a settlement on my account they informed me it would be charged off sold XX/XX/XXXX ( somewhere around that time ). I offered them XXXX to not continue with selling it they said they would have to review the offer so I called back a few days later and they countered with XXXX. I requested them to send me a letter stating they would settle for XXXX and not be sold they told me they could not offer a letter as being paid but with the recording there is nothing to worry bout then after it was paid they would send a letter out stating settled paid in full and they would not sell. On XX/XX/XXXX I called and paid the XXXX via credit card. My credit was updated and I see that they had indeed sold my account after they specifically said they would not I contacted care credit and filed a complaint and report to be reviewed. I have not received a letter stating it was paid or anything. I feel lied and taken advantage of all at the same time. 
I am requesting for whoever it was sold to not to report it to my credit and for care credit to delete it completely off of my credit due to them not holding up to their end of the deal

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 08/19/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: A company by the Name of XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) and has parked a debt that has been recalled by XXXX XXXX just last month. I never received a letter or a phone call from this company that has parked this account and placed it on my credit report. I would have disputed it directly with experian but for whatever reason i ca n't seem to dispute this online. XXXX XXXX XXXX never gave me my right as a consumer to validate this debt, they never sent me a letter, or a phone call, if they would have, i would have informed them that this debt is paid and has been recalled by XXXX last month. I want experian to act to remove this item immediately and prevent grant and webber from tarnishing my credit. I have attached my credit report and highlighted the item in yello.

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 01/29/2018 about Student loan (Federal student loan servicing) with NELNET, INC. (AR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: In XX/XX/, I retrieved a copy of my credit report. I noticed that the XXXX XXXX  XXXXNelnet was reflecting that I was 90, 120, and 120 days late respectively for the months of XXXX through XX/XX/. I immediately began the dispute process with the credit bureaus. The responses were that these accounts were verified as accurate. To that end, I reached out to the Office of Consumer Advocate for student loans ( see attached letter ). My primary concern is that for all of these accounts in XXXX of XX/XX/XXXX, I was ok with my payment history, yet in XX/XX/ ( 30 days later ), they reported that I was 90 days late. How so? 

In my communication to Nelnet, I specifically stated that I keep all of my records regarding student loans and I take full responsibility of my obligations ; however, I would like them to investigate their reporting for a mistake made on their end. Further, I requested that they provide me copies of all supporting documentation that substantiates the accuracy of their reporting. To date, to no avail. It has been well over 60 days from my initial request to them and I am yet to hear anything from them. I sent my dispute/request for investigation letter to them certified with a return receipt, yet I have not received any acknowledgement from them. The entries are not inaccurate and appear to be unverifiable given that I have not heard from them ; therefore, I am requesting that the status of my payment history reflect that I was ok and current for the months of XXXX, XXXX and XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: All 3 credit reporting are showing an involuntary repossession of a XXXX XXXX on my credit reports. What they do n't show is why. I had serious XXXX issues and could no longer drive or work to make the payments on the car.I lost the ability to XXXX. Had to go to a XXXX XXXX for almost two years and through XXXX XXXX for 14 months before i lost two XXXX in my XXXX XXXX. They just XXXX. I now have XXXX and XXXX and XXXX and XXXX holding me together. This can all be verified. I had to have XXXX XXXX in XXXX 2015 of which I am still recuperating. I would like to have this information added to my credit reports so future creditors would know the whole story

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 11-10-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There are multi accounts that do n't belong to me, I have contacted the them directly and they were very rude, I have disputed them with all three credit reporting agencies and nothing is fixed. I do n't feel it is fair that I pay an attorney to get this corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Student loan (Non-federal student loan) with National Enterprise Systems, Inc. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I took training and bought equipment in XX/XX/XXXX at XXXX XXXX solutions. I received a loan from XXXX XXXX for {$7200.00}. The interest started out at XXXX per cent. After being late the interest ballooned to 20.78 percent. I attempted to lower payments but the servicer stated that the idea was that I would pay the loan for life. In XX/XX/XXXX I became totally XXXX and filed a chapter XXXX Bankruptcy based on poverty and total XXXX. National Enterprise Systems, a debt collector, state the description of the loan as XXXX XXXX XXXX. They state that I owe XXXX. I never borrowed money for this discription. School Code is XXXX. XXXX is not a school. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX. I bought equipment and took training with the funds. It was my understanding that this was a personal loan. 
After requesting documents, National Enterprize Systems, sent copies of my orginal application with XXXX. Within the packet a memo appears that the loan was changed from the above amount to {$10000.00}. There is missing information on the loan application as noted on the forms. My credit score was XXXX. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Allied Collection Services, Inc. (Nevada) (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There was a debt that needed to be paid when I transitioned my phone service to another provider. That was supposed to be paid through the companies, not by 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