milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-04-2015 about Student loan (Non-federal student loan) with AES/PHEAA (KY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I graduated from XXXX college in XX/XX/XXXX. I was not offered any student aid I was only XXXX at the time was unsure of exactly what I was getting myself into. I had XXXX private loans taken out from American education services. I graduated and could n't find a job in my field until two yrs later. I was able to finally start working as a medical XXXX after 2 yrs of deferments. I started working at an XXXX I was able to get my foot in the door due to knowing the XXXX supervisor. I 've been paying on my student loans since XX/XX/XXXX I was given a loan from AES for XXXX I 've paid a total of XXXX dollars only XXXX has gone to the principle and XXXX in interest. I still owe over XXXX I 've paid XXXX dollars a month. I recently was sent to collections in XX/XX/XXXX I paid in XX/XX/XXXX I was late due having my rent money stolen from me. I informed AES of what had happened and I would be able to pay them in XX/XX/XXXX I was told I had 60 days to pay before it effecting my credit I was sent to collections which resulted in my credit score dropping over XXXX points. I 've never been late paying them I feel I 'm in a never ending interest battle with AES. XXXX college did not help me with a job after school like promised which resulted in me having to defer my loan and now I 'm struggling to pay off this loan. It 's extremely frustrating that now XXXX do not need the schooling to become a XXXX now I 'm stuck paying this what feels like a never ending loan for something I could have just avoided and now my credit score has dropped tremendously due to a financial hardship that I had no control over.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (NY).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XXXX XXXX XXXX I sent chk # XXXX in the amount of {$2700.00}. This was to cover past due balance and monthly payments of {$230.00} through XXXX XXXX which I stipulated in a note attached to the check. The extra money was applied to the principle however they did not apply the payments to the monthly invoices as directed. I am now having my credit destroyed once again by this company being marked 60 and 90 days late. I contacted them by phone on XXXX/XXXX/XXXX and s/w to XXXX who informed me the computers were down but took my info and stated a manager would be calling me back. Never happened and when I called back there was no record of this call in their system. I then mailed back my statement with the information to be corrected still nothing. Disputed it on my credit report and my score has dropped by 100 pts due to this and im sure they are going to repo my car.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/26/2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (MN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mn XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX which you claim my account was charged off $ This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Consent to publish the description of what happened? Consent provided This is about a ( n ) Debt collection : Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? False statements or representation : Attempted to collect wrong amount DESIRED RESOLUTION

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian finished my complaint in less than 24 hours I do not believe they truly investigated it. I sent them documentation yesterday Monday ( XXXX/XXXX/16 ) after filing the complaint on Saturday. This morning at XXXX I received a response saying my case was closed. I would like for Experian to overlook the documents I sent them and then make a decision. I sent this to all XXXX credit bureau and they were the only XXXX to respond back this fast.

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 09/19/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Deposits and withdrawals

Complaint: Money was unauthorized and fraudulently taken from a family members bank acct who was very ill at the time and is now deceased. The bank acct was thru Bank of America ... Can the transaction date and time be retrieved? and the actual person or persons who fraudulent took the funds from the acct?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: Citibank has not credited the new account bonus as promised. I deposited $ XXXX for a new account on XX/XX/XXXX and should have received the {$400.00} bonus by XX/XX/XXXX. 
Till date XX/XX/XXXX bonus not deposited. They keep on doing investigation but not depositing the money. On first investigation they confirmed that account has met ALL conditions and will get the money by XX/XX/XXXX. When money was not deposited they did another investigation and then they gave a separate reason ( XXXX compliant ) for why the bonus was not credited. This NEW CONDITION was not mentioned in first investigation. Then on XX/XX/XXXX the account became XXXX compliant but till date no money has been deposited. On XX/XX/XXXX they started a XXXX investigation and are now saying that it will take till XX/XX/XXXX for investigation to complete. Citibank has delayed they deposit of {$400.00} intentionally. Money should have been deposited by XX/XX/XXXX.

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 07/28/2015 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX is listed as a prior address on my credit report. I have previously submitted that I have never lived at the aforementioned address and would like for it to be removed from my credit report. I used to be a XXXX and many of the offenders I supervised lived in this area. It is of concern to me that someone may have tried to use my information at some point. ( Too bad for them that my credit was n't good! )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/26/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The company never provide me with invoice to support the bill and the amount they request me to paid so I was never able to verify the authenticity of the invoice. It 's was a medical bills but never send any bill.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Mortgage (Other type of mortgage) with CITIBANK, N.A. (GA).
Issue: Applying for a mortgage

Complaint: Since being denied a loan medication ( see complaint dated  XXXX / XXXX /  XXXX   ). My attorney has suggested that I stay pro a ctive with CitiMortgage  which I have tried to do by leaving the lines of communication open. I have promised and fulfilled my promise of sending  XXXX  a month on my doubled mortgage payment. The representative who I talk to document this.   Now it is to the point of harassment in th at Citi cal ls every day asking for money and I tell them that I will make a mother payment around the first of the month, but every day they call again. I have formally by letter via fax which I was instructed to do requested a cease and desist order and as of this writing I am still receiving calls every morning.   When I was trying for a loan modification my repeated calls to them were left unanswered,   but now that I am behind I get these harassing calls every day. I am trying to stay pro-active into working with Citi, but the harassing must stop.
I am contacting my state Representatives and Senators c  oncerning the business practices of CitiMortgage

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 10/19/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian send back results as if I was only questioning the dispute process, when in reality I send A dispute letter asking Experian company to verify negative unverifiable information from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (PA).
Issue: Shopping for a loan or lease

Complaint: The short and sweet is this. 
I went to XXXX XXXX for a car. 
They told me that because i had no credit, that they werey only option. They even required me to have a cosigner. 
I was sold a 2006 ford Taurus with a bluebook value of XXXX for a total of XXXX was not fully informed of all of the details of the loan. I was rushed through the signing of the paperwork. 
I was duped. The car is not worth nearly what they charged for it. 
It is usery clear and simple. They practice preditory lending. Anyone can look at any situation from XXXX and see this. 
They are unprofessional and just bad people.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been receiving collection notices from Linebarger Goggan Blair & Sampson , LLP for more than a year now, for a parking violation that does not belong to me. I have sent them certified mail, including my vehicle registration showing that the plate in question had been registered to MY jeep, not the XXXX that was ticketed. Not only have I never owned a XXXX, the Jeep in question had been un-driven for at least XXXX months prior to the ticket being written.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am currently being sued by LVNV Funding. I received a summons on XXXX XXXX, 2017 stating that I owed {$1200.00} and should appear in court on XXXX XXXX, XXXX. I immediately called the attorney 's office representing the case ( XXXX XXXX XXXX ), stating that I had no knowledge of this account therefore, I am disputing it. I let them know that I was willing to reach a reasonable settlement if they could send me proof that I owe the debt and if they could prove that they have the authority to collect. I was told that they would investigate and get back to me. I never heard from them. I appeared in court, the case was continued, still no verification. I appeared again and a trial date was set, still no verification. Three months after my initial request, at XX/XX/XXXX, I finally received copies of statements and an incomplete assignment contract ( a one-page document stating that my account was part of a group purchase " Exhibit A '' ). On XXXX XXXX, 2017, I sent, via certified mail, a request for a copy of the complete assignment contract stating specifically the owed amount, that my specific account was sold to LVNV and that they had the authority to collect those funds. After several attempts to obtain the required information, I still do not have the requested information. I have also made several attempts to settle the account even though I do n't agree with the amount that they say I owe and I do n't have proper verification. Each time I called XXXX XXXX XXXX, the attorney 's office added on additional fees to the initial amount they said I owed. One of their reps said that I would need to add on {$170.00}. Another rep stated that I needed to add on an additional {$300.00} to the initial amount of {$1200.00} they said I owe and pay that before the case can be dismissed. I believe that LVNV has violated the FDCPA by ( 1 ) asking me to pay more than supposedly owed, ( 2 ) failing to send written debt validation notice, ( 3 ) failing to send proper verification of debt, and ( 4 ) continuing to collect on a debt before providing verification. They should not be allowed to conduct  business in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Lender : Wells Fargo Home Mortgage Lender 's inappropriate actions prevented me from obtaining a HAMP loan modification ( XXXX ) Lender immediately sold my loan into an XXXX - ( XXXX ) Lender refused to comply with my qualified written request letter for a copy of the prospectus to the trust that supposedly holds my mortgage The loan may not lawfully be in the trust, legal requirements may not have been followed. The prospectus would be used to make that determination. 
Lender deliberately confuses and misleads claiming " permanent '' but " temporary '' loan modification. 
The permanent modification pertained to the 2nd mortgage, not to the first mortgage. Letter dated XXXX XXXX, XXXX from lender documented the home equity account ( 2nd mortgage ) permanently modified. 
I was a target of lender 's predatory lending as it relates to XXXX and XXXX customers ( ref : XXXX DOJ lawsuit and settlement ) Lender continues to show a claim for {$85.00} on monthly statement for inspection fee despite having settled a lawsuit pertaining to these fees ( ref : XXXX XXXX postcard notification ) Lender applied unpaid " interest '' dollars to the principal loan amount I filed a complaint against lender with the OCC and with the Federal Reserve Consumer Office My hardship circumstances remain ; I wish to receive the HAMP-like mortgage assistance for which I qualify WITHOUT having to deal with lender 's game-playing, so that I can remain in my home. I paid into the system throughout my 44 consecutive years in the workplace and view this as my retirement home. 
I have been making the required monthly interest-only payments, mailing each payment by certified mail in order to have documented evidence of delivery to lender I was named as a plaintiff in the amended complaint for XXXX Wells Fargo. However, I saw at their website that the FTC felt the lawsuit was a scam. I have detailed documentation of my contact with XXXX XXXX. I would like to be refunded the monies I paid to XXXX XXXX.

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 02-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: After I saw Experian Credit Report on XX/XX/2018, I disputed several incorrect information. I received notification that Experian fixed the issues, I found no change and some information was adding up more incorrect information by them. 

It has been more than one month to correct simple information and Experian are making incorrect information worse each time I contact them. I saw their comment why they changed data more incorrect because I requested to do so. But I have never told them to correct information in wrong way. All what they say are incorrect and their conduct is unprofessional, incompetent.

My disputing items must be corrected immediately because it will be misrepresenting my information regardless my effort to fix with ill-intended changing to incorrect information based on my request which I never requested to them.

I told them to delete one credit card account because the card is upgraded to another card. There is no need to show both old card and current card. I told them to delete old card but they did not delete card and closed card. I disputed them again asking them why they closed the old account. One agent said he would correct information but later I found that Experian closed current card too
. And they commented that they closed 2 cards because of my request but I never requested them to do.

Today, I disputed with one agent and make him change the card status as I told him, and agent asked me if I contacted credit card bank. I said to hem what does he mean and bank has nothing to do with Experian 's showing incorrect information. I told him to open the current card, but he said that he could not open without Bank 's permission. After I heard him saying unbelievable statement, I was disgusted and thought there is no way to communicate with them anymore. And decided to file complaint to FTC. 
Please correct Experian 's unprofessionalism and disqualify them to serve as credit monitoring agency and also, fix my credit report with correct information.

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 02/24/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Deposits and withdrawals

Complaint: I have a checking account with Citibank. I deposited a check in the amount of {$2700.00} from a publishing company on XXXX XXXX, 2016. The bank would make only XXXX cents of it available on that day. Then it made {$200.00} available on XXXX XXXX, and {$400.00} today, XXXX XXXX. They called a " standard delay ''. 
Citibank never informed me of this " standard '' and never used to do this in the past. 
This policy caused a depletion of my funds to such an extent that my wife and I could not check out of the grocery store. 
Not only should this policy be reversed, but Citibank should also pay us a compensation in the amount of the check, and pay the Federal Government a fine for defrauding its customers. Citibank and other banks should be prevented from using the money from my check while withholding it from me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (MI).
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint: In order to help out my brother, to help improve his finances, we called Wells Fargo Thursday XX/XX/XXXX to stop his ability to get cash advances through his credit card. The idea is to plan ahead, understand what one should do, and make a long term decision with the credit card company, to hinder ones ability 'in the moment ' to compromise and give in to getting a cash advance.

Wells Fargo refused to do this, saying they couldn't. I don't believe them. If they can increase limits, they can also decrease limits, and they can stop ability to do advances. They just don't want to.

I called again on Saturday XX/XX/XXXX, with my Wells Fargo credit card account. I asked for them to stop and freeze my ability to do cash withdrawals. They refused and said they couldn't. I asked for them to lower my cash advance limit, to an emergency type of level ( like {$100.00} ). Again they refused and said they couldn't.

I believe it is right and proper for consumers to have the ability to reduce ones limit for cash advances. We already have the ability to limit total credit limits.

Credit card companies make it too easy for people to access and make cash advances ( and they charge them exhorbidant interest rates to boot ). I believe this preys on people 'in the momemt ' and offers them quick cash in the moment. While they state the interest rate, not all consumers understand this, and the 'fine print ' of what the credit card companies charge ( 25 % interest, interest daily and immediately ). I believe it is in the consumers best interest to have the ability to limit ones long term access to cash advances. What are the credit card companies afraid of? THey make obscene amounts of money off cash advances and don't want this golden goose cut. It's just not right. Consumers should have the option to limit it for themselves and others who hold their credit cards.

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