milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2017 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: Problem with personal statement of dispute

Complaint: problems with properly maintain my  credit score  and wrong information with bills under my name

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 02/23/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I contacted my student loan servicer Navient in orde to get affordable payments arranged for my student loan. After long painful discussions with several representative they made it clear that based on their terms are the only options available regardless of what i could not afford. They took my financial information my expense information which left me with almost {$180.00} a month. I was willing to pay {$75.00} amonth which left me the remainder for foodand, clothing and out of pocket expenses. They were not willing to be flexible and were demanding {$190.00} a month to pay for the loan which leaves me with no money for out of pocket or food expense. I expressed the reasons explicitly to why i could not agree to that amount based on my well being and for agreeing to a payment i could not afford. Their solution was to either agree to making a payment that I can not afford and/or keep the lian the way it is at $ XXXX month and default because i cant afford to make the payment thry want. They transferred me to several representatives who were rude, hostile, and lacked customer service and would not accept a the payments i wanted to honor. The last representative was unprofessional enough that he hung up on me without taking my payment or coming to a middle ground on my account status. How does one repay a debt to a company who promotes " honoring hardships '' and not willing to accept any flexibility for low income borrowers. This company is misrepresenting what they say they stand for. This company is mistreating and taking advantage of loan debtors who are willing to repay their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (SC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX, an electronic bill payment was authorized from my personal checking account in the amount of {$340.00} to an account that is closed and no longer an active account. Once the funds were disbursed automatically the bank could not stop payment and advised I contact the credit card company.

On XX/XX/XXXX I contacted Citi Card and was routed to their payment investigation unit providing them information related to the payment and requesting funds be returned immediately. In addition, I also forwarded a letter via certified mail of my request requesting a refund due to the misallocation of the payment. Documentation included the online receipt and proof of payment. Note : Following my conservation with the representative in the Payment Processing Unit I was informed that I would received written correspondence with 15 days as all information provided was being entered in their system as an inquiry on my behalf. 

After no correspondence or response from Citi Card with the specified timeframe and despite the returned postal mailer verifying receipt of the letter, on XX/XX/XXXX, I reinitiated contacted with the company. This time customer service informed they did not have a number for the payment investigation unit advised I look the number up online then terminated the call. 

Any assistance Consumer Financial Protection Unit can provide would be greatly appreciated.

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 08/13/2016 about Consumer Loan (Vehicle loan) with Autovest, L.L.C. (GA).
Issue: Problems when you are unable to pay

Complaint: Hi, I received a wage garnishment this Friday. I was unaware of this judgment due to moving from XXXX state to another. I have wage garnishment documents that I got from the mailbox today. It states that Autovest LLC won a judgment against me. I have no clue who Autovest, LLC is. After some research, I discovered that this company buys old loans from XXXX XXXX. XXXX XXXX closed this case over 7 years ago. I do n't understand any of this, but it 's very depressing to have wages garnished ; especially without receiving no warnings of any kind. This is n't fair, I do n't make much money and I have several bills to pay including several medical bills, school loans, rent, car, etc. Can anything be done about this? I 'm totally new to this wage garnishment stuff. Also, I voluntarily gave the vehicle up because I could n't afford to pay after two years of paying way more than what the vehicle was worth. I was at a desperate time in my life and needed a vehicle for work when I chose to get the vehicle over 7 years ago. I 'm truly hurting now, not just financially, but physically as well ... Please HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Credit card () with DISCOVER BANK (CA).
Issue: Other

Complaint: I had an account well over 10 years ago with Discover Card. 10 years ago I had moved to brasil. A couple years ago they liened my bank account. That is exactly when I learned I owed Discover card over {$6000.00} what with attorney fees and interest ... 


While I was in XXXX they " served '' " me '' with court papers and got a judgement against me in court. I am a XXXX XXXX XXXX skinny XXXX male. They served someone who was described as XXXX '', XXXX pounds and XXXX,.. The judge laughed when I asked her to go see how I was " served. '' I immediately called the attorneys working for discover card. 
I sent proof all my money was XXXX payment standong term XXXX. Payments l exempt from judgements in California. 

When still spitefully made me wait a couple months till the court date. Maybe hoping. I would not appear a dashed get my entire movie ths income. 

I then sent off all the information to discover in Ohio. Pointing out the defective service. Giving them ALL my bank account numbers with proof it was judgement exempt income. AND??? 

They told me they assigned me to a new attorney who will probably wait and lien my account and hope that by then this permanently XXXX old man is too sick to. Are the long bus ride to court, etc etc By the way : I DID offer, in writing, to negotiate with them IF they could offer me any proof at all that the debt was actually mine, and how much of it was interest and attorney fees IF so ... But. Of course, they did n't have that. Guess they assumed they had me Locked in with their judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
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: SEVERAL YEARS AGO I RESPONDED TO A PROMOTION BY PHONE CONCERNING, HIGH SPEED INTERNET WIRELESS GATEWAY. THE SALESMAN EXPLAINED THAT MY CREDIT CARD ID WAS REQUIRED FOR THEM TO SEND ADD'T INFO ON THE PRODUCT. I SHOULD HAVE KNOW BETTER, BUT THIS WAS XXXX XXXX XXXX. THIS PREDATORY PRACTICE SURPRISED ME. I PHONED IMMEDIATELY WHEN I RECEIVED A BOX OF INSTALLATION PARTS. I CALLED AND VOICED MY DISAPPROVAL OF THE METHOD OF SELLING THEIR SERVICE. I DID NOT WANT THE SYSTEM AND I TOLD THEM SO.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Navient sent a notice on XXXX XXXX that they would be willing to settle on the account. I called and and arranged to pay down {$3000.00}. I had 90 days to pay for it. We arranged {$1500.00} on the first payment which they received and the second payment a month later, and if I could n't do that call back in and we can change the payment date. They refused to do it. The baited and switched me. And said, " oh you have to pay it all now. These disgusting people that the federal government has hired are unethical, liars and I will not do this. I will stop any check payments on my bank, they have refused to honor what they told me. <P/>This can be recorded I hear all the time on the phone. Than let 's here it. IT will show a different picture.

Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2016 about Consumer Loan (Vehicle loan) with M&T BANK CORPORATION (PA).
Issue: Taking out the loan or lease

Complaint: A fix interest rate that change all the time. I was to pay back XXXX in interest by the contract and pay back XXXX fillers in a fix interest loans

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Student loan (Non-federal student loan) with Texas Guaranteed (TX).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: Hello- Upon reviewing my credit report attached, I see I 'm still being affected by accounts that have been fully paid over 7 years ago that are obsolete, outdated and too old to be on file. I have paid this accounts in FULL. 

The accounts I discovered that are obsolete, outdated and too old to be on file : TEXAS GUARANTEED STUDENT TEXAS GUAR STUDENT LOAN Please help me delete this account immediately as it is too old to be in my credit file. If for some reason the account is verified, please send me the name of the person who provided the information and the method in which it was investigated. I 'm trying to buy a house and this has completely messed up my finance options.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Bank account or service (Other bank product/service) with BBVA COMPASS FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: I was in a business XXXX XXXX and we were approved for a loan using a CD as collateral. after the partnership dissolved, we were unable to continue paying loan and the bank used the CD to pay the outstanding balance. It has been over 7 years and the negative scar is still showing up on my credit report. It shows as a " charge off '' and has a zero balance. how do i remove?

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: Hi This Complaint Is About My Lender ( WELLSFARGO BANK ) My Lender Is Trying To Defraud Me. The Way The Ca n't Keep My Property With Using Different Information. I Fax Document One Representative From One Department Saying That They Never Received Any Document And A Other Department Telling Me That They Did Received The Document Please Help Me With This Matter Since The Want To Sale My Property Telling Me Lies OnLy Lies Please Help Me My Account Number Is 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 01/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: Bankruptcy they say verified thru court .... i received letter from court saying THEY DO NOT HAVE ANY INTERACTION WITH CREDIT BUREAUS .... i asked that their source and any information be released to me per my right by the FCRA they said courts which clearly DOES NOT INTERACT WITH THEM I ASK THIS BANKRUPTCY BE DELETED ... it is not mine

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 12/15/2015 about Credit card () with Colony Brands, Inc. (AZ).
Issue: Other

Complaint: I hired a law firm to help me with some of my credit issues. I have an account with XXXX XXXX and the law firm that I hired confirmed that the last time I made any payment was in XXXX of XXXX. According to my attorney, this account is past the Statute of Limitations and also past the reporting period for accounts to be reported on a persons credit report. They first sent out a letter via fax to inform them of what my attorneys stance was on XXXX XXXX XXXX. On XXXX XXXX XXXX I checked my credit report and the XXXX XXXX account still remains on my credit report. On XXXX XXXX XXXX, my attorney 's office called XXXX XXXX to follow up on the letter that they had sent. XXXX XXXX stated that they will continue to report it to the Credit Bureaus because the time started when the account was charged off in XXXX and not when I made my last payment in XXXX of XXXX.

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 Debt collection (Medical debt) with PlusFour, Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: There are XXXX ( XXXX ) separate credit reportings that were opened on XXXX XXXX, XXXX ( 4 yrs, 8 mos ) and XXXX XXXX, XXXX ( 4 yrs, 1 mo ) by XXXX HOSPITALISTS and XXXX  XXXX SOLUTIONS. This is a gross misrepresentation of services I have never received and these debts that are being reported are not mine. I never received an services at any of these facilities and or by their corporations. This seems to be a case of identity theft or some type of impersonation. I have attached documents to prove my identity

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am a victim of identity theft. The inquires from this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX were not authorized by me. I request the prompt removal of the inquiry. I have attached a copy of the FTC affidavit of identity theft, a copy of a letter from another creditor where I was a victim of identity theft, a copy of my ID and a copy of my lease showing I did not live at the address attached to the inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/27/2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (VA).
Issue: Settlement process and costs

Complaint: I purchased a home in XXXX 2016. The home was a XXXX foreclosure in need of repair. After closing I spent in excess of {$10000.00} in repairs. I called my mortgage company Penny Mac to inquire about a new property assessment and removal of Mortgage insurance. They told me that this was not allowed with the type of loan I had. That I am required to pay PMI for the XXXX loan term or I could re-finance. I was not familiar with anyone reviewing these terms with me before. I asked for the loan documents with this particular disclosure be sent to me. Over a month later, I received the documents I requested. However, it is very apparent that the disclosures were " doctored '' altered/forged.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2016 about Debt collection (Medical) with FirstPoint Collection Resources (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The first statement I received from First Point collection was dated XX/XX/2016. The date of service was XX/XX/2016.Total balance on this account was XXXX and due on XX/XX/2016. This is the first notification I received of an outstanding balance and it was from a collection agency. My insurance processed and paid their part on XX/XX/2016. I sent a {$50.00} payment on XX/XX/2016 with a letter stating that I could not pay the amount in full but that I would send monthly payments. I also explained that I was also paying another bill from them of XXXX. I have always sent my payments directly to XXXX and they have been accepted and processed. I have made regular payments on this account. I received another letter from First Point dated XX/XX/2016 showing a balance of XXXX. I submitted a dispute letter to First Point on XX/XX/2016 requesting the amount of the debt as this balance was not correct. I have not received a response as of today, XX/XX/2016. I know it was received because I sent this certified mail. I have not missed making a payment and yet this has now been placed on my credit report. The balance placed on my credit report also is not the correct outstanding balance. The credit report does not show this as being disputed or as a medical bill. I believe both of these have to be shown on a credit report. When the provider is accepting and processing my payments they should not be able to put this on a credit report. The bill mentioned earlier of XXXX has been paid in full. It appears that they are trying to coerce me into making the full payment by sending me statements from a collection agency from the first statement. I take my credit report very seriously and I pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: Loan was fullfilled and paid off XX/XX/2016 with Nissan Motor Acceptance Corp., confirmation letter received from Nissan that this loan was satisfied in full and they would be issuing a release of lien to the XXXX. However this still has no taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NV).
Issue: Loan servicing, payments, escrow account

Complaint: I contacted Ditech customer service to change the date money for mortgage payment would be debited from my checking. They said, '' Sorry. We need more than 1 day to do that. '' I asked to speak with a supervisor but after numerous attempts the agent admitted that no supervisor was available. I said I would wait and she transferred me to voice mail

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Other debt) with The CBE Group, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: CBE Group sent a letter verifying that the debt was valid. However, XXXX has verified that there was never a past due and has corrected the balance to XXXX. I spoke with a representative at XXXX office of the president ( XXXX XXXX XXXX now ) and the balance was removed. I have attached the initial account cancelation email, as well as the email showing that the balance was XXXX and a refund was issued for the remaining balance. XXXX has credited the account with the inaccurate balance to make the balance XXXX again. That email has also been attached.

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 06-06-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Over four weeks ago, I found out that Ditech.com reported that I had a late payment XX/XX/XXXX. 
I have called, emailed, spoken with XXXX different people including supervisors. After speaking with XXXX, who was very nice, I was assured I would get a letter from correspondence stating that I never had a late payment XX/XX/XXXX. Today, I got a letter and this is all that it said : " Please be advised that as of today 's date the account is current and next due for XXXX XXXX, XXXX. There are currently no outstanding late fees. " The people over the phone confirmed that I have NEVER had a late payment with and NONE should be showing up on my credit report. 

I have requested a letter from Ditech requesting that in writing and was promised I would received one. It seems like they are purposely trying to ruin my credit rating. 

I am attaching the payment history that was sent to me by Ditech.com, screenshots from their website showing my account history and when my payments were made XX/XX/XXXX and a screen shot from XXXX website showing the false late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Debt collection (Auto) with FINEX Group LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt collector is attempting to collect for a towing company that towed a vehicle that i no longer owned. I sold the car to an individual and the individual that I sold the car to, got it towed. I tried explaining this to the debt collector but they did n't care, stating that i was the registered owner at the time. Which is not true and I have documentation to prove it. I have a copy of the certified document from the DMV that shows that I sold the vehicle on XX/XX/2016. The vehicle did n't get towed til after that. The Dmv clearly states that the previous owner is no longer responsible for any tickets or issues pertaining to the vehicle after the date that the vehicle is sold. My paperwork states that the car was sold on XX/XX/XXXX. The collection company is trying to collect for the car being towed after that date.

Company response to consumer: Closed with explanation