milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian has relied on XXXX arguments to keep a delinquent mortgage payment reporting by such debt collector in my credit report citing " The result summary provided by XXXX on XXXX XXXX, XXXX ''. In addition, Experian maintains that FCRA does not require that consumer reporting agencies act as mediators or negotiatiors in account disputes. 

I have not been asking Experian to act as a mediator or negotiator in my dispute with XXXX 's malicious delinquency reporting alleging a missed on-time mortgage payment. I am simply stating that such delinquency reporting is not warranted and that it must be deleted from my credit report. In fact, on XXXX XXXX, XXXX, I requested from XXXX a mortgage pay off amount and which it provided and full payment was made on XXXX XXXX, XXXX prior to XXXX XXXX, XXXX through which the payoff quote was valid. 

According to the following real estate transaction manifest, " Once the property is sold and the debt is paid, the mortgagor 's obligation to the mortgagee is over ''. Consequently, XXXX does not have any basis whatsoever to report the loan delinquent once it had received all of its payments within the time frame stipulated in its pay off quote. Experian 's decision to accommodate XXXX 's abusive & capricious action, is in fact totally an act of pure discrimination toward me by both Experian and XXXX. This has been going on since XXXX XXXX, XXXX when the mortgage was acquired from XXXX XXXX Mortgage XXXX at an interest rate of 7.938 % and, the mortgage subsequently transferred to XXXX, a debt collector, for servicing. Immediately after the financial meltdown of XXXX, I repeatedly requested from XXXX to have the loan modified which it never agreed to claiming that I was wealthy enough to support the mortgage payments at that high interest rate while the property had devalued significantly. In fact it was puchased for {$230000.00} in XXXX and sold for only {$180000.00}, after many years with that heavy financial burden. The loan was paid off in its totality within a certain time frame and therefore can not be reported to be delinquent.

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 08-09-2017 about Debt collection (Credit card debt) with UNITED SERVICES AUTOMOBILE ASSOCIATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: USAA on X/X/17 is sending me a credit card statement attempting to collect a debt that was discharged in bankruptcy on X/XX/17. I have attached the statement they sent me and the discharge order.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2017 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Privacy

Complaint: Hi, i recently received a barclay arrival plus card. I had not have the satisfaction of using credit due to the card not benign activive or on hold for more than 45days. 
The credit company is requesting a copy of my SS # from & back, Driver license with copy of bank statement to verify my identity. 
I spoken with numerous customer service rep, to address this issue. The customer service would state " In order to resume my account I need to send a SECURE passcode to number on file '', I get the secure code & pass the verify to find out my account is still on hold. 
I have a matter on my account, which I ca n't address because of the hold on my account. 
I fax over 3 times copies of verification. I omitted certain information for my privacy sending sensitive information via fax, mail, or online according to the privacy act law. 
I had made numerous payment to my account and in good standards. I DO NOT SEE WHY MY ACCOUNT IS NOT BEING UTILIZE TODAY. I SUBMIIT DOCUMENTS AND NO RESOPNSE.

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 05-11-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX, XXXX I made a deposit through the mobile app from Wells Fargo in the amount of {$4400.00} with XXXX checks from XXXX. ( {$400.00} and {$4000.00} ) I received a message saying the funds would be cleared on XXXX XXXX, XXXX ( every two weeks I deposit a similar amount into that Wells Fargo account which is my business account, the deposit is made on Thursday and it is always available on the next day, friday ). 
Something happened on Wells Fargo side that they placed a hold on the {$4000.00} check and did not release the funds into my account causing payments to be returned, overdraft fees Applied to my account and that inconveniency of having to explain to other parties why i could not pay them, including to the IRS which was supposed to receive a tax quarterly payment that did not go through due hold placed by Wells Fargo on the money. 
Yesterday, XX/XX/XXXX I went into a wells fargo branch, contacted a branch manager and he said the funds were not available because there was insufficient fund on the checks. 
few minutes after leaving the branch, i contacted the Company that issued those checks to pay me and they contact XXXX just to find out that the funds was released on the same day that I deposit the checks which was XXXX XXXX, XXXX. ( See attached document ) Me and the company that issued the check contacted the branch manager again, left several messages and sent few emails not receiving any response back. 

I need this resolved ASAP come up with the money placed back in the account, overdraft fees return and a letter from the bank explaining the mistake so I can take to the IRS and not be penalized for not paying my taxes when I was supposed to. 
Just a reminder the taxes was supposed to be withdrawn from my account on Monday, XXXX XXXX, XXXX four days after the deposit. 
I am very unhappy with this situation with Wells Fargo and I hope that this can be repaired ASAP because it 's causing damage to my business.

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 08/29/2016 about Consumer Loan (Installment loan) with Cottonwood Financial Ltd. (TX).
Issue: Managing the loan or lease

Complaint: I RECENTLY TOOK OUT AN INSTALLMENT LOAN FOR {$400.00}. THE APR IS 581.71 % AND THE FINANCE CHARGE IS {$770.00} LEAVING MY TOTAL PAY BACK AT {$1100.00}. I KNOW I AM RESPONSIBLE TO PAY MY LOAN BACK BUT THIS IS RIDICULOUS. I WILL BE PAYING ON THIS LOAN UNTIL XXXX 2017 UNLESS I COME UP WITH IT ALL IN ONE LUMP SUM WHICH I CA N'T AFFORD EITHER BECAUSE THERE IS ALWAYS SOME LARGE PAYMENT I HAVE TO PAY OUT OF EACH CHECK, LIKE MY RENT OR CAR PAYMENT. I AM A SINGLE MOM AND NEEDED THIS TO HELP COVER MY RENT AS I HAD TO HAVE XXXX AND WAS OFF WORK FOR AWHILE AND I DEPEND ON OVERTIME TO HELP MAKE ENDS MEET. THIS IS TAKING FROM MY HOUSEHOLD EVERY TWO WEEKS AND I KNOW I WILL NOT BE ABLE TO KEEP THIS UP UNTIL XXXX 2017 AS ME AND MY KIDS STILL HAVE TO LIVE DAY TO DAY. THIS IS A RIP OFF IN MY OPINION AND PUTS POOR PEOPLE LIKE MYSELF THAT ARE LIVING PAYCHECK TO PAYCHECK IN A VERY TOUGH POSITION. PLEASE HELP!

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 08/30/2017 about Vehicle loan or lease (Lease) with BMW Financial Services NA, LLC (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I leased a XXXX XXXX XXXX on XXXX XXXX, 2017 that requires payments to be made for {$1700.00} for 36 months. 

The dealer who sold me the car lied to us about tire and wheel coverage and when presented with the facts agreed to refund the cost of the policy in the amount {$1900.00}. 

They would not issue me a check directly but sent the money to BMW Financial who promptly posted it as a credit to my account. They produced a statement reflecting that i would owe nothing for the month of XX/XX/XXXX and had a rollover credit of {$260.00} for the next month. 

Regardless they still took a payment of {$1700.00} on XX/XX/XXXX Their explanation to me was the billing system and the auto-pay system do not talk to each other. I control neither system, they are XXXX 's systems. 

These two systems ought to speak to one another to avoid this and the potential O/D charges and credit report impact that their outdated systems create.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified, invalid accounts must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX/2015

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 08/23/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Through several rounds of correspondence ( beginning XX/XX/XXXX and ending XX/XX/XXXX ) with Portfolio Recovery Associates , LLC ( a debt collector ), I have insisted on the verification of a debt they are trying to collect. Despite the Fair Debt Collection Practices Act ( specifically 15 U.S.C. 1692g ) giving me the rights to 1 ) the names *and addresses* of original/current creditors and 2 ) *a copy of the verification or judgment against me by the original creditor*, Portfolio Recovery Associates , LLC has failed to properly validate this debt. As such, Portfolio Recovery Associates , LLC is breaking the law. 

In addition, Portfolio Recovery Associates , LLC lists the date they purchased this account as XX/XX/XXXX. In my last correspondence, on XX/XX/XXXX, I requested a full payment history since they have purchased the account ( which, on each of their identical form letters, they invite me to request - but did not provide in their last correspondence on XX/XX/XXXX in response to my request ). According to the statute of limitations on debt collection in Nevada ( where I live ), the maximum time a debt collector has to collect a debt is XXXX years, depending on the type of debt ( NRS 11.190 ). Even if the debt were mine ( which I am not admitting to, as it has not been properly validated ), Portfolio Recovery Associates , LLC is deliberately refusing to allow me to prove that the statute of limitation on debt collection has been passed on this account - and that by attempting to collect it, they are breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Student loan (Federal student loan servicing) with CITIBANK, N.A. (MS).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: On XXXX/XXXX/XXXX, I received a copy of my credit report and Citibank N.A . or Citibank XXXX is showing as an inaccurate account. I called to speak with a representative immediately. I spoke with XXXX and he informed me that the money was sent back from the school- University XXXX XXXX XXXX because I was n't a student. He informed me that the loan was taken out on XXXX/XXXX/XXXX. The loan totaled XXXX for a fall semester.. XXXX then advised that the loan was also sold to the US XXXX at the same time the loan was allegedally returned back from the school.. I asked if he cod end me verification of an account or signed documents that I had a taken out a loan, and that the loan had been sent back from the school or transferred/sold to the US XXXX. He said he could not provide documentation. I asking that the above account be removed from my credit report. I HAVE RECENTLY CONSOLODIATED ALL OF MY STUDENT LOANS WITH XXXX AND THIS LOAN IS NOT ON MY LIST OF COSOLIDATED LOANS. the company name, phone number and address is listed below : Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX sd 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 09/15/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease

Complaint: I was supposed to start making my car note payment on XXXX XXXX, 2016. I sent them online payment through my husband`s bank with the loan number on it 2 weeks early on XXXX XXXX, 2016 and it cleared the bank on XXXX XXXX, 2016. Few weeks later, I started getting calls from the company that I`m 21 days past due! I quickly called them back and told them that I even made my first payment 2 weeks early, so I should n't be past due. I later went with my husband to his bank and found out that the company returned the money to my husbands account on XXXX XXXX, 2016. I asked them why they did not inform me in writing that they returned the payment? They could not answer the question. I have also made the XXXX payment on time and I have agreed to resend the XXXX payment when I get money. The company has refused to stop saying that I`m 17 days past due, and has also refused to write me a letter of apology for sending my payment back without properly notifying me in writing. I was never late on any of my payment. I always pay ahead of due date.

Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2017 about Student loan (Private student loan) with DISCOVER BANK (NJ).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Last year, in XXXX XXXX, I received a phone call that I had not paid my Discover student loans in 3 months and they were raising my interest rate. I received no calls prior, no emails announcing that my auto-payment had stopped. I paid the amount and my interest rate increased. 

Today, XXXX/XXXX/XXXX, I checked my credit score only to find that my student loans were again three months past due, amounting to over {$1000.00}. I was completely unaware that my auto-payments had stopped again ( for the second time ), no phone call, no letter. When I looked at my file, the last letter that was sent, was in XXXX and did not state anything about the auto-payments being stopped. 

As of today, I am {$1400.00} in debt ( 4 months past due ) and I had no idea that my payments were not coming out of my account. Almost all of my bills are on auto-payment, so I do not think twice. 

This has hurt my credit and caused me immense stress and frustration, because I have always wanted to pay my student loans on time. Why is this so hard? Additionally on the XXXX XXXX XXXX website, everytime I try to log in, it has me create a new password. Every single time, this glitch makes it incredibly difficult to casually log on to check account information, causing further frustration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/26/2017 about Student loan (Federal student loan servicing) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been charged over XXXX XXXX dollars for schooling I never attended. I signed up for school, though I backed out, yet they still have sent me multiple emails, like XXXX a day for the past XXXX years, drummed up charges for classes I never attended, and ruined my credit. I have been permanently XXXX for the past XXXX years, have n't worked, and could really use some help from consumer finance. Thank you so much for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: XXXX is reporting wrong addresses on my credit report. Please remove the following addresses from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2016 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Trying to be brief : however this has been going on for a year and a half. I bought a product while in XXXX XXXX XXXX. I received a phone alert asking me to confirm or deny - I clicked do not pay, because I wanted to check the company out first. Next day I tried calling the merchants contact XXXX - XXXX contact said they had no idea who these people were. I tried contacting all merchant contact information, but got no responses. I Immediately contacted Chase credit card and the Chase representative asked me questions and said they should be no problem. Three weeks later I received confirmation from Chase and they removed the charge from my statement. About three months later I received a call from an XXXX office from Chase fraud department - they said they were changing departments from fraud to disputes. They gave me contact information for Chase - which turned out to be incorrect - and they also said this should be no problem, you wo n't have to pay. I have repeatedly written, faxed, called and emailed Chase - as well as visiting a local branch and speaking to many representatives as well as the branch manager. I can not get through - nor could any chase representative - to the department that makes the decisions to uphold a dispute or deny the dispute. Evidently, this is a back-office department and they can not be reached for questioning ; I simply want to know what information they have at hand and what criteria they are using to make their decision. They have sent a letter of denial, but there is no way for me to know the criteria they used and what information they are basing their denial of claim on. In light of the fact that the merchant can not be contacted by me or chase, I feel this must have been a mistake made by Chase Bank. I have done everything I could to protect Chase bank, but they are not doing their job. I have continued to write and speak with people for the past year, but still I am being charged - now for the interest on the account. 
I have probably over XXXX pages of notes of my letters/emails/phone calls and responses over the past year and a half. The responses are circuitous in nature and it looks like they are simply cut and pasted replies to my communications. I have yet to speak to anyone who can answer my simple questions : who can I speak with that is actually responsible for decision-making? What criteria is the decision-maker utilizing to deny this claim? And what information are they utilizing to make their decision? Why can I not get a response from the executive office or the person who made this decision?

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2015 about Debt collection (Credit card) with ROCKY POINT CAPITAL LLC (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: This company call me 10 times in two weeks claiming that if I dont pay my bill with fingerhut that in two weeks they are going to summit me.After returning their phone the individual in which I dont remember his name stated if i dont pay the full amount they are going to sue me for the owed amount and lawyer fees. There after he hangs up the phone on me. These people have no heart and their tactics are illegal under the consumer law they not suppose to charge lawyer fees and court fees, that 's illegal.

Company response to consumer: Untimely response
Consumer complaint received 09-11-2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX my brother and I purchase a house for my grandmother and receive the deed in XXXX. In XXXX I transition from the XXXX and start working as a XXXX and in XXXX and I found out that I was behind on my mortgage payment, the payments were supposed to be taken over by my brother after my grandmother passed away I found out they were not. XXXX XXXX XXXX told me and my brother that we had a mortgage on that house they did not give us any paperwork showing that the mortgage was with them and when I tried to explain it to them that I did not have a mortgage they told me they had taken the mortgage over in XXXX. After I have asked for documents showing that my brother and I had a mortgage with this house I was told that they would not talk to me and my brother was told they would not talk to him and unless both of us were on the phone at the same time contacting them. On the that house my brother was the primary and I am a secondary. XXXX XXXX XXXX just recently on the XXXX of XXXX sold the mortgage I had on my property to Carrington Mortgage. Carrington Mortgage told me that they now on the mortgage that is on that house and they too will not give me any information showing me that XXXX XXXX XXXX originally had that house and as of right now this is affecting my job I can lose my job with the XXXX because they say we owe {$69000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My loan is greater than five years old and I have greater than 25 % equity in the property. As such, I no longer need to pay Private Mortage Insurance. I have informed Nationstar of this fact and they just drag their feet in responding to my questions. They are making me use one of their appraisers at XXXX the cost of one I can easily find. My appraiser is licensed, just like theirs. 

More importantly, they do not return phone calls and/or do not respond to emails at all. When I call in, I either get transferred all over the place or I am put on hold for an extremely long period of time. Today someone called me, I gave them my information, and they hung up on me. Nobody will answer my questions about how to remove PMI from my monthly payment, nor will they answer questions about what appraiser they use in my state ( CA ). If I am forced to get an appraisal, I should be able to sue any licensed appraiser I want. Not one of theirs who will price-gouge me. I think Nationstar Mortgage is dragging their feet because they have no incentive to eliminate my PMI ( less money for them ).

Company response to consumer: Closed with explanation