milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-09-2015 about Consumer Loan (Installment loan) with CASHCALL, INC. (OH).
Issue: Managing the loan or lease

Complaint: I got a loan with XXXXCash call. they take XXXX out the XXXX of the month. I have been paying on this for XXXX plus years. I for sure already paid this off but I cant find where to log in at to check. the numbers I am calling for Cash call ( XXXX ) goes to voicemail. I am beginning to get nervous as I have read on here lawsuits against them. I am an OHIO resident and believe they are still taking money when they should n't be. 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 07-11-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have disputed this account multiple times within the last year with Commonwealth Finance in regards to this account not being mines and needing to be taken off of all consumer reports. I NEVER have been to the client whom they are trying to bill for, which is XXXX XXXX XXXX, ever in my entire life. This is a false account and demand it to be taken off of my report. The collection agency claims to have taken if off my reports XXXX/2017, but it still has yet to be removed and it 's XXXX XXXX, 2017. I have attached proof from my complaint with the BBB that the agency is to have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit card () with CITIBANK, N.A. (WI).
Issue: Balance transfer

Complaint: I requested a balance transfer from XXXX XXXX made to CITI Cards for account ending XXXX. CITI cards applied the transfer dollar amount of {$2000.00} to card ending XXXX. Why was the transfer applied to account ending XXXX? and not XXXX? 
Please send copies of all monthly account statements for XXXX XXXX XXXX account XXXX ( not including XXXX ) beginning XXXX account opening through 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 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I requested a credit line increase through your online XXXX XXXX XXXX XXXX located at https : //online.citi.com/US/JSO/SSO/CardsSSO.do. I only did this because it clearly states A credit bureau report will not be requested and you will receive an instant decision. ( refer to screenshot on page XXXX ) of that tool and that exact statement. I put in the request, my request was granted on XXXX. However even though your tool clearly states you will NOT request a credit bureau report your system requested one anyways as part of this request. 
- faxed letter attached : Citi Bank Credit Bureau XXXX XXXX I contacted their customer service department multiple times and someone was looking into this and noticed there was a technical glitch in their system that initiated this credit pull by accident. Citi Bank followed up stating it was a system error and I should submit the request to remove this credit inquiry from CitiBank Credit Bureau XXXX XXXX department. After XXXX conversations, XXXX faxes sent all I received was their generic letting stating this hard credit pull will not be removed. 
- file attached : citi-response.pdf

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint: Equifax Security Breach : I 'm very concerned that the most secure data I own was given up by a company I 've never done business with and have not control over. The implications of this breach are enormous for my family and for our nation considering half the population was impacted. I think the Federal Government needs to step in to protect the U.S. citizens on this security threat. We ca n't wait and need to do something now. This should have just as high priority as the funding for Hurricane victims. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 05/29/2015 about Mortgage (Other mortgage) with U.S. BANCORP (MO).
Issue: Application, originator, mortgage broker

Complaint: I recently applied for a pre-approval for a home loan with U.S. Bank as a XXXX time home buyer. I was denied stating that my score was too low and to essentially try again in a year. I have been doing credit counseling and have been working on my credit for a while and spoke with my counselor to make sure I would qualify before applying for anything. My counselor agreed that I was ready based on my credit score and report. However the loan officer for U.S. Bank stated that my score was a XXXX which was way lower than the XXXX I had pulled from all three bureaus. When I asked to see a copy of the report that was pulled from the loan officer I was told they ca n't share that information with me. I called customer service with the bank and was transferred several times with each person not knowing if I could get the information or not. I finally reached a guy who told me he would have someone call me with the information in XXXX minutes and that he would check back and follow up. I never got a call from anyone with U.S. Bank regarding this issue and he did not follow up. It is my right as a consumer to have access to this information if I am denied credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/24/2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Deposits and withdrawals

Complaint: Every XXXX and XXXX of the month I am paid via paper check from my employer. It is the same check drawn off of XXXX XXXX XXXX. Wells Fargo always places a hold on my check and tells me that {$200.00} will be available on the day for example ( XX/XX/XXXX or XX/XX/XXXX ) but when the clock changes to XXXX that is technically the next day. The funds are not being made available on the exact date but hours later after their " processing times '' I have told them multiple times about the issue and nothing is being done. The bank always successfully collects the funds from the account that it 's drawn off of. The bank has NEVER received a returned deposit item from me and yet they continue to place a hold on my paycheck. They claim that the " system '' is putting the hold on it but not them. No other employee at my company has this issue and the funds are always available I know because I am the XXXX. I can show proof at all times that funds are available in the account that its drawn off of but they still place a hold on my funds, receive the funds from XXXX XXXX XXXX and still have a hold on it. This is unacceptable and something needs to be done. I have reported this to their executive offices and local branches with no resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Debt collection (Auto) with GENERAL MOTORS FINANCIAL COMPANY, INC. (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XX/XX/2017 XXXX XXXX XXXX, AZ XXXX GM Financial XXXX XXXX, TX XXXX XXXX : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim my account was charged off {$18000.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was canceled. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Mortgage (Conventional fixed mortgage) with FBC MORTGAGE, LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: I make bi-weekly payments with the belief that early payment is being applied to the principal of the loan. Mortgage company however does not apply partial payments until due date. Therefore, I get no benefit from early payment. I also make an extra payment each year. I am under the impression that all early payments are to be applied to the principle as I do not have a prepayment penalty clause on the contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (UT).
Issue: Credit decision / Underwriting

Complaint: My father died in 2012 and I have been paying on his mortgage under his name for the last 4 years that my fathers estate has been in probate ... ... Finally I am allowed to purchase the estate, I am financing through my credit union and they are requiring a purchase letter from Nationstar Mortgage, my loan is at the under writers and this is the last document they need from Nationstar ... ... .I submitted a request 4 days ago, I have called at least 20 times and keep getting different answers to fax numbers ... XXXX faxed his death certificate and the simple purchase letter that my FHA loan requires XXXX I have even faxed over my court papers stating that I have 30 days to finance the home or it will go on the market which is XXXX XXXX ( 2 weeks away ) ... ... .THEY ARE AVOIDING GETTING ME THE LETTER I NEED TO PURCHASE MY FATHERS HOME I HAVE BEEN FIGHTING FOR FOUR YEARS AND THOUSANDS OF DOLLARS IN LAWYER FEES. All I need is XXXX piece of paper stating the payoff amount and Nationstars signature is that so difficult???????????

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Transunion did not do a proper investigation as they said they did. XXXX has confirmed they have been reporting incorrect information and the accounts should be deleted for incorrect reporting. non compliance with investigating when I asked them for months to do so. they did not insure all information was correct and complete as per FCRA

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 04-05-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: All complaints are in regards to Navient. 
- Navient does n't process my payments correctly, resulting ( only sometimes ) in late fees. But always in annoying XXXX wake up calls from their automated system. The payments are made the same way every month, automatically. There 's no reason some payments are n't processed. 
- Occasionally, XXXX ( the platform I use to pay my bills ) will be triggered by Navient to prompt me into entering a specific address to send my particular payment to, in order for it to process correctly. There is a list of XXXX some odd addresses to choose from, and all of them are similar. ( Eg : XXXX XXXX XXXX XXXX XXXX, XXXX MA / XXXX XXXX XXXX XXXX XXXX, XXXX, MA / XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO / XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MA / ETC ) This is deliberately deceptive, and clearly done in an attempt to mislead people from being able to make their montly loan payment properly. Additionally, the " correct '' address is only available if you have a physical Navient bill in hand. That information is not available on the website. 

- At some point my loans were consolidated and split again. As such I make two payments to Navient each month. XXXX loan is only for a few hundred dollars, on which they charge me a {$12.00} " convenience fee '' to pay them at all. So the charge to pay down a {$900.00} loan in their system involves paying a recurring {$12.00} fee each month for no reason. A fee I also pay when I make my other loan payment. 

That seem right to you?

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I paid off $ XXXX in XXXX school loans in XX/XX/2017. There is no information on XXXX XXXX 's website about what happens when loans are paid in full. I received no paperwork from them concerning the loan status once they were paid off. 

I have been trying to find out when they close the account, because the credit bureaus are penalizing me because they are receiving no information on the state of my loans. I have called once and emailed twice. 

They should have policies about closing the account when loans are paid off. Their should be a deadline on their end for filing the necessary paperwork with me and the credit bureaus. When they wanted money from me, they were very quick to communicate. Now they have no problem stonewalling me when I need something from them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX did n't honor their promise to remove the XXXX account which I already Proved several times that it belongs to my husband. Furthermore, they have failed to send me in the mail and they respond which they told me they will get from the company. He only send me a letter in the mail tell me to contact the company. By law based on the fear reporting act they are not allowed to report incorrect information from a source which is and they can not identify and on several phone calls I was promised that will be removed and all they did is make a remark that its in dispute and it did not remove it. Moreover, by law they are required to block the creditor from being able to report this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 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: Information belongs to someone else

Complaint: HI, My name is XXXX XXXX.
I pulled my credit profile only to discover that the bureaus is reporting inaccurate information on my credit report. I have inform them that I 've been a victim of identify theft. On my credit profile it list that my Date Of Birth XX/XX/XXXX, when my Date Of Birth is XX/XX/XXXX. I have submit several dispute on the behalf and yet they still reporting these anonymous accounts listed below : XXXX XXXX XXXX ****** Balance {$1200.00} XXXX XXXX XXXX******* Balance {$440.00} please update and remove all items listed above

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/27/2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (IN).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: Synchrony Bank for Lowes suddenly added security fees to my account. I never authorized this service. It is something you can sign up for through a lengthy process, which I never even attempted since the credit limit they gave me was fairly lowe when I opened it. They slowly raised my limit and then added this fee one day and I didnt notice until I was trying to figure out why my balance wasnt going down even though I was paying more than the mininum fee.

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 06-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with C & M Associates Group, Inc. (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: XXXX XXXX, XXXX, around XXXX XXXX, a representative by the name of XXXX XXXX of XXXX called my home. XXXX stated, " I am with XXXX. XXXX is in the process of filing suit against you for {$6000.00}. We are trying to collect at least the XXXX grand that you owe. " I did have an account XXXX in XX/XX/XXXX ( {$900.00} and made XXXX payment of {$99.00} ), however, I filed bankruptcy, during that time and my home was sold ( XX/XX/XXXX ). 

The representative referred to me by my present name, and former name ( last name of marriage ). " XXXX XXXX '' ended the call when I told him that I was going to contact an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Debt collection (Credit card debt) with Alliance Data Card Services (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XX/XX/XXXX, {$72.00}, XXXX XXXX XXXX XXXX company I called XXXX 'S XXXX XXXX a month ago and told a teller that my XXXX XXXX membership was expired XX/XX/XXXX and I didn't want it and cancel it and didn't send me membership charges and fees. However, the company continue to send me the bill with late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 07/23/2016 about Consumer Loan (Vehicle loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Managing the loan or lease

Complaint: I originally contacted USAA 23 days ago requesting the reversal of an auto loan payment because a double payment was drafted/made for the XXXX balance due on my auto loan. Instead of reversing the extra payment that was not supposed to be drafted, USAA drafted another one on XXXX XXXX. This made three auto loan payments taken out of of my checking account instead of the one authorized monthly automatic deduction. Because of this, my bank denied the ACH transaction ; understandably so. Since then, USAA has been unable to rectify this situation. I have given USAA full rain over my checking account to fix this. 23 days later, with four payments in one month being withdrawn for my auto loan even though only one was due, and a dozen phone calls to USAA, my auto loan is still being shown as past due. They are saying one more payment is being drafted as well, that makes XXXX auto loan payments in one month and my account is not fixed. The payments USAA is drafting from my checking account are not being reflected on my auto loan. I have been more than patient, but this is an item that could drastically affect my credit and USAA has been unable for 23 days to correct this deficiency. I will not allow the inability of USAA to correct this account and reflect it as current destroy my credit. The keep taking payment after payment out of my checking account when only one was due. Attached is my bank account summary of transactions, and the USAA auto loan summary that does not match the withdrawal history at all, and shows my account not being reflected as current after XXXX payments and 23 days ( with one more " required '' before they update the account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CMRE. XXXX XXXX. {$130.00}. 
Request : Deleted permanently from my credit report. 
Status : Inaccurate account information. 
To the best of my knowledge, I was not aware of this medical collection until a refinance inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Confusing or misleading advertising or marketing

Complaint: I 've paid a debt that has been reporting on my credit and was told after I pay it, It will be remove from all three of the credit bureau

Company response to consumer: Closed with explanation