milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: CitiFinancial is the junior lien holder on my loan. I have a good offer for $ XXXX with the senior lien holder ( XXXX XXXX ) netting $ XXXX and they have offered the Junior Lien Holder {$6000.00}. The Junior Lien holder is being unreasonable and trying to push me into foreclosure by wanting $ XXXX. 
They told me that their appraisal came in at $ XXXX, and then I sent them a copy of the appraisal from the Senior lien holder which came in at $ XXXX. This lender has lied to me time and again, I am desperate to get this done and over with. My wife passed recently and I do not have the money to maintain the mortgage. Please assist me in anyway that you can.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: LOAN OPENED XX/XX/XXXX Dispute resolved ; reported by grantor {$1600.00} {$3500.00} Last payment XX/XX/XXXX THIS LOAN WAS REPAID BY THE SCHOOL, I NEVER OWED ANYTHING, I HAVE LOAN IS PAID OFF INFORMATION. BUT XXXX XXXX IS STILL REPORTING TO MY CREDIT REPORT NEGATIVITY I WAS NEVER LATE ON ANY PAYMENT, I WAS GRANTED FORBEARANCE UNTIL I GOT THIS ISSUE RESOLVED 7 YEAR LATER THIS IS STILL HAUNTING MY CREDIT

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Prepaid card (Government benefit payment card) with NETSPEND CORPORATION (CT).
Issue: Managing, opening, or closing account

Complaint: Will discuss upon receiving notification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Other debt) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I called and talked with XXXX in XXXX. I asked her how much I had to pay to settle my debt. She advised me {$1400.00} for me {$1800.00} would include my mother. I advised her that I would saved the money and call back to pay. I called back in XXXX to pay the {$1400.00} that XXXX advised me I could pay. XXXX advised me too late that offer is off the table. She transferred me to XXXX who stated I could pay 10 % of the total debt. Then they transferred me XXXX who advised me I could pay {$1900.00}. I told XXXX I was calling to pay the {$1400.00} that XXXX advised me that I could pay. XXXX stated that they sent me a letter back in XXXX. I advised him that I did n't receive the letter. He stated well I do n't control the mail. I stated how can you hold me accountable for something I did n't receive. He stated that I was hollering at him, which I was n't. I told him that I am having financial difficulties and I have a high risk XXXX. I advised them they were causing me undo stress. I ask XXXX to listen to the recording, because XXXX never advised me of a deadline to when I had to pay the {$1400.00} to clear my debt. He stated that they were not going to listen to the recording. He stated you have made me mad so all offers are off the table you have to pay {$2300.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Medical debt) with Medical Data Systems, Inc. (NC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Recently while conducting a monitor of my credit report I discovered that  MEDICAL DATA SYSTEMS INC  #  XXXX  has furnished some items that have unverified information. I believe under the  Fair Debt Collections Practices Act, I have the right to request that you allow me to validate th e alleged debt. I am aware that there is a debt from   XXXX   XXXX   but I am unaware of the amount due and your bill does not include a breakdown of any fees.   Additionally, I am allowed under the  HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ],  to protect my privacy and medical records from third parties. I do not recall giving permission to MEDICAL-NOVANT HEALTH to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but it is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, a  nd HIPAA authorization.
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
3.Cease any credit bureau reporting until debt has been validated by me.
4.Please send this information to my address li  sted above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.   Please note that falsification of the information you received from any medical provider can be percieved as   a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have filed many disputes with both XXXX and Transunion and they both have said they have verified my dispute with my bankruptcy. They have not sent any proof to me bearing my signature and stating they have verified it. By law they have to remove it from my credit report if they ca n't provide proof with my signature on 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 03-07-2017 about Debt collection (I do not know) with CCS Financial Services, Inc. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX I received a collection notice from Consumer Protection Agency notifying me that there was a bill in my name that had been placed into collection. As I had never received an original bill, I immediately called all parties to inquire. The " creditor '' known as XXXX did not have record of me when I called. I referenced the account number I was given by the credit agency as well as my full name. Still no record. I then sent a certified letter to Consumer Protection Agency requesting a copy of the original bill so I could investigate further. I never received a response. 3 years passed with no notices of any kind. Then in XX/XX/XXXX I received a letter from a different agency ( Credit Collection Services ) notifying me of the same " debt. '' Seems the first agency may have sold the debt to the second agency. Again, I wrote a letter to CCS disputing the debt and requesting they provide me with a copy of the original bill. Again, no response. 2 years passed with no notices. In XX/XX/XXXX I received an alert from my credit bureau saying that a " major derogatory '' had been placed in my credit file for same " debt. '' I do not owe this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (NJ).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I sent a dispute letter to Toyota Financial regarding the accuracy of my credit report. They replied back with a letter ( which I attached ), stating that they are reporting my account accurately and consistent to the credit reporting agencies. They just violated the Fair Credit Reporting Act by saying they verified information was correct with the credit bureaus when in fact it was n't. Below are the things are that are not accurate and consistent. XXXX shows terms as 0 months when XXXX and XXXX show 66 months Last reported date shows XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. ( How can they have three different dates for this but yet verified it was accurate ) Date last active shows XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. ( How can they have three different dates for this but yet verified it was accurate ) Date of last payment shows blank on XXXX, XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. ( How can they have three different dates for this but yet verified it was accurate ) This is not only a violation of the FCRA but also not compliant with METRO 2 guidelines which is mandated by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Consumer Loan (Vehicle loan) with EQUIFAX, INC. (TN).
Issue: Taking out the loan or lease

Complaint: My wife and I applied to have XXXX of our cars financed through our XXXX Bank instead of continuing our financing with XXXX XXXX. We later received a letter stating that we were turned down because of the credit report from Equifax. The letter also stated that we could contact Equifax for a copy of our report free of charge. I contacted Equifax by phone ( XXXX ) but we were asked for our credit card number as we were going to either be charged {$7.00} for XXXX report or {$11.00} for a different report. When I contacted them via computer ( www.equifax.comXXXX ) it said that I would have to join their membership ( they did n't say the cost ) only that I would be charged monthly and if I did n't later cancel that I would be charged monthly even if their rates for membership was increased. I feel trapped and do not want to share my credit card info with Equifax. The letter from XXXX Bank stated " Under federal law, you have the right to obtain a copy of your credit report ( s ) without charge for 60 days after you receive this notice. '' We received the letter from the bank dated XXXX XXXX, 2016 and today is XXXX XXXX, 2016. Tomorrow morning I 'm going back to the bank to see what is going on. We want a copy of our credit reports they used. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: ATTN : Legal Dep artment, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsecti on ( 8 ) ( D ) . The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, sect ion 623, subsection ( 7 ) ( A  ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.   It is my understanding that the FC RA 623 ( 8 ) ( E ) ( iii ) establish es a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as :  Portfolio Recovery Associates   XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Mortgage (FHA mortgage) with Nationwide Biweekly Administration, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I was sent information on a company called,  National wide biwee kly administration, inc to help me pay my mortgage faster and in 2 monthly payments instead of  one large one w hich never got to my  XXXX  housing finance mortgage company on time causing me late fees and when I complained they cut me off keeping  3 ful l work checks of mine saying that was there fee for do me that favor. So they stopped completely which I have the letters stating that they are in management changes but I can not get my fee back or other losses.   My account with them is #  XXXX  record number :  XXXX . I want  my 3  checks I paid for for this service which equals to at least {$5000.00} and then the penalties I had sustained for them not getting my mortgage in on time.  Rounded is  about another {$1000.00} not to mention the bad smear on my credit for being late on my mortgage it cost me. I could n't reocer for 1 year and have. It 's now that I 'm catching up. I had people coming out from mortgage company checking on my house and it 's a well kept house. I was very embarrassed. I want this company held accountable for doing this to a bunch of. I am willing to sue this company for pain and suffering a sell as all my lost for at least {$50000.00}. FHA is not the problem it 's  Nationwide biw eekly. I see on your government website that others have complained to case  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage ( LOAN # XXXX ) told me that my escrow was short by {$3700.00} which I paid over the phone. I submitted my XXXX Veterans Property Exemption ( {$120000.00} ) prior to the property taxes being due, which also lowered my monthly mortgage payment. This mortgage company received the corrected tax bill of {$2300.00} and paid the old bill of {$3000.00} ( overpaid by {$700.00} ) because no one verified the bill even though they knew that I had been approved for the tax exemption XXXX XXXX Veteran ). I made the XX/XX/XXXX payment of {$1200.00} and I received letters that my mortgage payment for XX/XX/XXXX was short by {$300.00}, even though I made the full payment and have receipts for a full payment. This company continued to send me delinquency notices and stated in a letter that they turned me into the credit bureaus. After disputing that I did n't owe the additional amount and they discovered that the error was on their part, they send me a letter stating that they would adjust my account. I received another statement today ( XXXX XXXX 2016 ) and my account has not been adjusted. They send me a letter stating that I was in default of my loan. I have done my own research on this company and have found that they have done this same thing to other customers. This company continues to send erroneous collection letters to me and other customers stating that they are behind in their loan payments and that they are in default. I paid {$3700.00} and received an exemption of {$120000.00}, they overpaid my property taxes by {$700.00}, how would I owe anything????? Please make this company correct their error and send updates to my account to me and correct the erroneous credit reporting that they provided to the credit agencies. I have owned my home for 7 years and have never been late. I filed a complaint with the CA Dept of Business Oversight ( complaint # that my payment can now be lowered monthly to {$1300.00}. I was also informed that I would be due a refund of about {$1200.00}. As soon as the assessor made their corrections to the new lower property tax bill, I faxed to your office for your company to make the corrections. Each time I speak to someone in their company, they act like they do n't know what I am talking about. I have send letters and emails to this company demanding that they correct their mistake, it is damaging my credit Please make them refund the additional monies that they sent out to the XXXX Tax Assessors Office so that I may receive my refund. Their mistake has caused me financial hardship, because they made me pay money that I did n't owe.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: Credit determination

Complaint: On XX/XX/XXXX, I requested a credit line increase on my Capital One credit card, which I have paid faithfully and on time since opening it XX/XX/XXXX. The attached letter is dated XXXX XXXX, which is strange because it was n't available anytime this weekend, leading me to believe that a computer made the decision and not a human being. The reasons stated is " Payments are too low. '' What in the world is that supposed to mean, and on what basis is it made??? XX/XX/XXXX I transferred about {$400.00} over to their card and a 0 % interest rate, meaning that if I do n't be the balance off in full during the promotional period, they reap the benefits of being able to charge me a higher interest rate. 

Additionally, earlier today, XX/XX/XXXX, as a result of their decision, I attempted to call Capital One to opt out of any further solicitation, since I will limit the use of their card in the future. All I got was a string of disgusting doubletalk from a very rude representative, who did n't tell me whether they would actually opt me out or not. I concluded the conversation with this rude XXXX, who acted more like a robot than a human being.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Debt Recovery Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I received a response from Debt Recovery Solutions , LLC indicating that they would immediately remove the inaccurate information from my credit report. They had indicated that they needed an account number and identifying information. At the time, my monitoring service could not provide an account number. However, I now have the information and would like the issue to be completely settled. Thus, I received a response from XXXX XXXX. 
Here 's the account number # XXXX. 
Moreover, I have provided a scanned copy of the original complaint for your recollection, along with XXXX XXXX response to expedite the matter. Thank you.

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 03-07-2016 about Debt collection (Mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: This is a secured debt of a mortgage company that agreed to receive deed in lieu of my outstanding balance but they continue to list this debt on my credit report and negatively affects me to borrow money.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Credit card () with NETSPEND CORPORATION (MD).
Issue: Unsolicited issuance of credit card

Complaint: I received an unsolicited 'NetSpend Prepaid XXXX ' in the mail yesterday from XXXX. XXXX XXXX, XXXX, TX XXXX. I could not find anything in the attached paper to explain what 'prepaid ' meant. I called the telephone number listed ( XXXX ) to opt out of receiving anything else from this company but the recorded message said the card had not yet been activated so they needed my Social Security number for something. I hung up immediately when they mentioned my SSN so I do n't know what the rest of the message said. I cut the card into pieces this morning and dropped the pieces into separate recycling bins. This card is issued by XXXX. There 's tons more fine print but I 'm not going to read it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with College Loan Corporation (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED Late account information from my consumer file. Despite my three written requests and complaints, the unverified Late items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these Late accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged late account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 



College Loan Corporation XXXX/ CLC 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