milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Alliance Data Card Services (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: In XX/XX/XXXX I paid off the balance of {$560.00} on my XXXX XXXX ( XXXX XXXX ) credit card. In XX/XX/XXXX I was charged a finance fee of {$12.00} which was also paid. So, In XX/XX/XXXX I  had a {$0.00} balance on my credit card. In XX/XX/XXXX, after I paid off my balance, I was charged a {$2.00} " minimum fee '' of which I was never notified. I was charged a Late Fee of {$27.00} ( for XXXX ), a Late Fee of {$32.00} in XX/XX/XXXX, along with {$2.00} " minimum charges '' for those Months. Finally in XX/XX/XXXX I received a voicemail from XXXX XXXX stating that I had an account that was past due. Needless to say I was surprised but I went ahead and paid my account balance of {$92.00} on XX/XX/XXXX ( all from a {$2.00} minimum fee ). I made up my mind to close my store card but before I could I received my updated credit report for XXXX. My credit score dropped 47 points! All from this matter with XXXX XXXX. On XX/XX/XXXX I called XXXX XXXX to complain about this matter and hear what this {$2.00} minimum fee was about and all I was able to achieve was a credit of {$32.00} to my account. I have been watching my account closely and there has not been a {$2.00} minimum charge for XXXX, which has been charged the first or second week of the month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/16/2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CA).
Issue: Managing the loan or lease

Complaint: I signed a car title loan with Wilshire Consumer Credit for XXXX. I thought I 'd be able to manage the loan if the payments were satisfactory and the interest was fair. Every month since signing the title loan, I have seen NO change in my loan amount. Factually, I owe more now ( after making months of payments ) than I 've ever owed. My loan now is in excess of XXXX. When I called the company to complain about the interest rate, amount of the monthly payment and terms, the company said there is nothing they can do. Moreover, they called me back and said they 'll settle on XXXX to close out my account. I angrily declined the request and suggested they accept XXXX based on the payments I 've made thus far. They refused my offer. As such, I am looking to have an attorney take the matter to court, as this is predatory lending practices at its worst. People whom use the service and hope to quickly pay-off the debt unfortunately find themselves in a horrific situation once they learn the terms of the interest being charged each month. We have to put a STOP to companies that prey on those in need. It is time to fight the predatory lenders!

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Customer service / Customer relations

Complaint: I have a credit card with Capital One. It is and always has been in good standing. Capital One XXXX XXXX XXXX UT XXXX. XXXX keeps reporting that the account was closed and charged off as of XX/XX/2017, when it fact it is not. Numerous calls to Capital One have not gotten anything resolved. The Customer Service reps say XXXX thing, sends a letter to state they have fixed it with all credit bureaus and when I get my reports, it is still the same - Negative Charge Off. I pay my bill every month and use the card.

Company response to consumer: Closed with explanation
Consumer complaint received 02/29/2016 about Student loan (Federal student loan servicing) with Stephens and Michaels Associates, Inc. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I keep getting phone calls from Stephens & Michaels Associates in NH. When I answer the phone a recording asks me to please hold, when someone answers the phone they will not provide me with any information, just that I have an outstanding debt and they require that I pay it immediately. 
They will not provide me with proof that they have acquired this debt from the first policy holder.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Late fee

Complaint: Over 18 months ago, I secured a WALMART Credit Card - solely for the purpose of purchasing a mobile phone for my son. WALMART always notified me -by email- of the monthly billing. THEN in XXXX 2014 - WALMART STOPPED PROVIDING ANY EMAIL NOTICES ( about pending bills or paid bills ). WALMART SOLD THE CREDIT CARD BUSINESS TO SYNCHRONY. I HAVE ATTEMPTED TO GET AN ANSWER FROM BOTH WALMART AND SYNCHRONY ABOUT THEIR FAILURE TO SEND THE EMAILS. NEITHER EVER ANSWERED. I BELIEVE THAT THIS IS A DELIBERATE ATTEMPT/SCHEME BY WALMART/SYNCHRONY TO DECEIVE THE AMERICAN CONSUMER - MOST CONSUMERS RELY ON THOSE EMAILS NOTICES TO MAKE TIMELY PAYMENTS OF THEIR BILLS. SO WALMART/SYNCHRONY ARE DELIBERATELY REFUSING TO PROVIDE EMAIL BILLING NOTICES - SO THEY CAN BILL AND COLLECT DUBIOUS LATE FEES FROM XXXX CONSUMERS.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I am disputing account number XXXX with IC Systems because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted IC Systems to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. The account is also being reported as having a credit limit when according to the Credit Reporting Resource Guide & Metro 2 standards, credit limits only pertain to charge cards or revolving credit. Not collection accounts.

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 09/16/2017 about Debt collection (Mortgage debt) with C&F MORTGAGE CORPORATION (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: C & F Mortgage Corporation and/or XXXX XXXX  XXXX XXXX XXXX XXXX, Virginia including all of its officers, employees, agents, assignees, and successors in interest of such loan and/or property deeded to and/or titled to XXXX and XXXX XXXX ( " XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX '' ) husband and wife as representation of one or more deeds and property of heirship and ownership have been subject to discriminatory conduct since approximately XX/XX/XXXX or thereafter under the names of XXXX and XXXX XXXX and prior under the ownership of XXXX XXXX family. ( 1 ) In the year of XX/XX/XXXX, the officer/employee that transferred XXXX XXXX XXXX XXXX property in the approximate year of XX/XX/XXXX-XX/XX/XXXX and thereafter on the " XXXX XXXX '' XXXX XXXX XXXX, XXXX XXXX, Virginia under the contracted name of XXXX XXXX XXXX and under the current name XXXX XXXX XXXX failed to notify or provide copies of this consent order, failed to properly identify appropriate parties ( heirs ) and/or failed to obtain proper signatures for a " release '' in this matter. The XXXX XXXX XXXX XXXX Descendant 's hereby certify by Champion Member, XXXX XXXX XXXX ( granddaughter ) that a release is DENIED. ( 2 ) There is no evidence of such training for the officer/employee referred to and/or identified in documents as obtaining consent or for committing such act. ( 3 ) The release is insufficient as it pertains to the history, legacy, and value of such estate ( s ) of XXXX XXXX XXXX XXXX as well as the heirship ( s ) of the XXXX XXXX XXXX XXXX XXXX 's. Therefore, the XXXX XXXX XXXX XXXX   Descendant 's hereby declare that C & F Mortgage Corporation and XXXX XXXX  XXXX XXXX  XXXX XXXX, Virginia as well as their past or present officers, employees, agents, partners, subsidiaries, representatives, assignees, and successors remain liable for ALL claims. and ( 4 ) The XXXX XXXX XXXX XXXX Descendant 's were not provided access to copies of the consent order entered by the Court in the United States vXXXX C & F Mortgage Corporation and hereby provide further notice that there will not be a release to C & F Mortgage Corporation for the estate ( s ) of XXXX XXXX XXXX XXXX, husband and wife and/or XXXX XXXX XXXX XXXX Descendants.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Debt collection (Federal student loan debt) with ACS Education Services (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: ACS, has been posted inaccurate information. I have reached out them many times with no luck. They will not correct the harmful information. I 've never been late but it being reported as late.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Today, XXXX XXXX, 2015, I received a copy of my XXXX XXXX XXXX. Listed, is DIVERSIFIED CONSULTANTS on behalf of XXXX.I HAVE NEVER RECEIVED NOTICE OF RIGHT TO DISPUTE BY DIVERSIFIED CONSULTANTS. I am DISPUTING, via this writing DIVERSIFIED CONSULTANTS improper and inaccurate reporting to my consumer file. I am ALSO DISPUTING, THE {$99.00} reported. I paid XXXX every month on time for year 's. I want this removed " immediately '' from my consumer credit file. It is illegal reporting by both parties. My personal information is being provided for the CFPB use " only '' ( solely, for this complaint ). It is NOT to be used by XXXX or Diversified Consultants.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Ive contacted the company numerous times to try and resolve this matter I submitted deletion letters from XXXX XXXX, XXXX and XXXX XXXX XXXX instructing that the accounts are fraudulent and to furnish me info on how they are verifying the info. XXXX refuses to cooperate with me violating my rights as a consumer to disputed errors on my report. Theyve block the access to dispute these accounts for fraud as well as gettington bank and applied bank these are also fraudulent accounts enshrined refuse to investigate them and they have not mailed me a copy of my report. Ive disputed on XX/XX/17 XX/XX/17 XX/XX/17 XX/XX/17 its been more than 30days now and they havent updated my report to reflect deletion of these fraudulent accounts

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 08/31/2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech was negligible in providing me information. They overcharged me. Now, they are trying to steal my home!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2015 about Debt collection (I do not know) with Niagara Capital Recovery LLC (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Company left a message they wanted to schedule a courier to come to my house to deliver legal documents, and I needed to be here to show id, claimed they have made other attempts to come, we have not had anyone come here and there is always someone home at my household. I called back and they asked for my social security number, claiming they had to verify who I was. I refused to give out that information and asked for their company name and address. I could not find any information on the internet or with the bbb in regards to their company. I called them back and they refused to give me any information until I confirmed the last XXXX digits of my social which they already had. I told them I was not required to disclose that without knowing who they are. They said they would not disclose any information until I confirmed my social. I told them if they want to schedule the courier I can show them my id to verify my identity, they kept claiming they could not talk to me until I confirmed my social. When I again stated until I could identify their company I was not giving that out, he restated that he would not give me any info without my confirming my social and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Money transfer, virtual currency, or money service (Traveler's check or cashier's check) with U.S. BANCORP (MO).
Issue: Fraud or scam

Complaint: went  to US Bank  they said it is a bad cashiers check and went to  XXXX  to let them know of the fraud.

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 02-02-2017 about Mortgage (Other mortgage) with Ditech Financial LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I placed a complaint number XXXX where Ditech responded inaccurately. Again I am requesting a itemized breakdown on how they are arriving at the total amount past due so as I can liquidate my retirement account and bring this account current. As of XXXX XXXX XXXX according to a statement sent to me Ditech claims the totat amount past due is {$62000.00} where this calculation is inflated and before I send out a check for over {$50000.00} I want them to place in writing clearly how they are arriving at their total amount past due. 
The other issue in the original complaint which Ditech was not truthful claiming they never received the property tax reduction documentation where my property tax grievance reduced my taxes over {$3000.00} per year. On XXXX XXXX, XXXX I received a letter where it stated as per the origninal terms of my mortgage with XXXX before it was sold that on XXXX XXXX XXXX the interest rate increases to 4.0 % and my monthly payment according to Ditech as of XXXX XXXX, XXXX will be XXXX. 
This calculation is incorrect because it is not factoring in the reduction of my property taxes and their response to the original complaint that they did not received documentation is false. I am requesting a property breakdown of how they are arriving at this monthly payment amount of {$2500.00}. 
What this complany has done in essence is take advantage of someone who was suffering from a temporary XXXX and has dragged this matter on with false promises of a modification while playing a paperwork delay game where they allegedly applied for modifications four times of the past year. In XXXX XXXX when the company was named Green Tree I was instructed to stop making payments so I would have a better chance at the mortgage being modified and the clock reset to a 20 year mortgage and in some instances a 40 year mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AR).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I started school online in XX/XX/XXXX with XXXX, I received a grant and a loan supposedly. As a matter of fact, I have several loans but do n't know how ...? I only went for an XXXX and finished it in XX/XX/XXXX. But since then I have n't been able to make the outrageous payments they are asking of me. I have begged them over and over for help, for the most they helped me at first but now they have tacked so much interest and stuff on my loan I will never be able to pay it. I only make XXXX a year at the most and I am a mother of XXXX. The loan is so expensive and they are ruining my credit, the only thing that I do have left. I ca n't even use my degree here in Arkansas because the college I went to is n't an accredited college and they were under fraudulent doings. So I do n't know what to do .... I am currently stuck with over XXXX XXXX dollars in debt to a college that is no longer in good standings and has law suits against them. Please help me if anyway you see possible. I appreciate your time and any advice you may have.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I applied for credit with XXXX. I was told that because I applied for credit with the year that they have to option to denied credit and every company has their own set of rules to deny credit. They denied because of applying for credit, they do not advertise or inform customers of this practice and after youve applied for credit you are denied and suffer harm to credit score.

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 07/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received copies of my credit reports and saw that there were inquiries on there that I did n't authorize. I called all  XXXX  of the bureaus (  XXXX ,  XXXX , and experian ) and they all told me the same thing that they are n't authorized to remove those inquiries that I had to call the companies in which the inquiries came from. Well, I did that and the companies referred me back to the credit bureaus and they told me once again that they are not authorized to change anything. It 's been a lot of back and forth and I am not satisfied with this.

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 05/23/2016 about Mortgage (Conventional fixed mortgage) with Servis One, Inc. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX/XXXX/2016 I paid the REMAINING BALANCE of my mortgage in FULL via XXXX check in the amount of {$1.00}. 
On XXXX/XXXX/2016, " XXXX '' informed me my payoff could not be applied to my account until a {$41.00} recording fee was paid. 
On XXXX/XXXX/2016 the {$41.00} recording fee was paid via XXXX check. 
Today, XXXX/XXXX/2016 I have received a late fee of XXXX for the {$1.00} remaining balance because XXXX XXXX/ '' XXXX '' never applied my payment to my account ( violation of FCRA ). 
My {$41.00} recording fee was never applied to my account either ( violation of FCRA ). 
My loan has failed to be reported as PAID IN FULL to ME or the credit bureaus ( violation of FCRA ). 
It is almost XXXX and BSI continues to sit on my payments instead of applying them in hopes of squeezing out late fees from consumers ( violation of FCRA ). 
Today, I called BSI and refused to get off the phone until I had emailed proof of application of payments. " XXXX, # XXXX '' and " XXXX, # XXXX '' hung up on me on two different occasions as I sat in front of my computer waiting to receive this " promised '' email. 
I finally received a " payment history '' from XXXX XXXX, however the payments still show as unapplied! 

BSI has a long history of refusing to apply payments and charging late fees to consumers, not to mention daily harassing phone calls ( 3-5 per day ) starting the XXXX of each month when consumers have a grace period until the XXXX! 

When will someone DO SOMETHING about the XXXX and XXXX caused by this company on honest, hardworking, PAYING consumers like me!!!!!???? 


XXXX 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 08/21/2017 about Debt collection (Medical debt) with AR Resources, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Well I looked on my credit report and I seen this new account in collections XXXX17 They did not notify me Or send me a letter before placeing this account on my credit report.So I sent them a debt validation letter stating I will like the original documents on this account.And all AR resolution inc sent me a cover sheet any computer screen. This is not a proper validation letter. And I know my laws and my rights and AR Rosources inc have Validated Fair debt Collection practices Act federal and state.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My Balance of my home water softener purchase and installed in my home on XX/XX/XXXX or XX/XX/XXXX balance keeps rising at a interest rate of APR 7.00 % .I owed on my loan {$1600.00} but it keeps rising each month. Also on my credit report it states negatives and late payments, in which a filed bankruptcy was filed on XX/XX/XXXX and loan was reaffirmed.But creditor should not report any negatives on my credit report with XXXX, XXXX and Equifax. I have a excellent payment history. I am XXXX XXXX and Retired.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Debt collection (Payday loan) with CURO Intermediate Holdings (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX XXXX XXXX a collection agency trying to collect a debt for XXXX who I had filed chapter XXXX bankruptcy on in XXXX 2014, that debt was XXXX on XXXX 2014. Both company knowingly it was XXXX and can not be collected but still trying to do so. XXXX XXXX XXXX illegally reported incorrect information on my credit report and damaged it. They have violated chapter XXXX XXXX bankruptcy code. They need to remove the collection off my credit report immediately. Thank you

Company response to consumer: Closed