milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (GA).
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: For the past XXXX month I tried to clear up wrong information with XXXX and XXXX Bank and XXXX XXXX ) XXXX XXXX close XXXX of my account base on incorrect information from XXXX XXXX Home Depot Credit card and XXXX XXXX ) These account has never been late. After speaking with a Attorney, I was told XXXX XXXX report to the companies they represent, I 'm a risk to do business with them. I have done business with XXXX XXXX and XXXX XXXX over 1XXXX years my account has never been late. What is the risk?. This is a marketing strategy XXXX XXXX use to make money on the consumer backs. Where are my rights? XXXX XXXX knows credit reporting companies are always reporting incorrect information. They do n't care about the consumers. Had I known this I would not have applied for these cards. Can I suit XXXX XXXX, XXXX XXXX, XXXX XXXX for the hardship they created for my husband and I. I do n't remember signing an agreement with this authorization. When will the CFPB hold the credit reporting companies accountable for hurting the consumer time over and over. When you are conducting financial business the opportunity can be huge for you and your family. Because of bad information the credit reporting companies kills it every time. Please help the consumer. Companies like XXXX need regulation from hurting the consumer.

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 03/31/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: XXXX XXXX XXXX collection agency is reporting on my Equifax credit report. They have no legal right to report any derogatory information on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (UT).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filled for bankruptcy chapter XXXX case number XXXX back in XX/XX/XXXX and the bankruptcy was discharged in XX/XX/XXXX. I included all of my debts which included a Citibank credit card which I had take out when I was in college, and when the bankruptcy was filed the outstanding balance was {$730.00} and the debt was included in the list of creditors and was added. While I still in the active bankruptcy XXXX XXXX XXXX called to collect on the debt in XX/XX/XXXX and I explained that the debt was included in my bankruptcy and the bankruptcy case was still active. I provided my case number and attorneys phone number as well. Then after the bankruptcy was discharged they called once more to collect and provided the same information and did explain that attempting to collect on the debt that was discharged and included in my bankruptcy was not lawful. They have not called me since the last conversation regarding the debt but on XX/XX/XXXX, I was reviewing my credit report and XXXX XXXX XXXX is reporting the debt as open and delinquent. Instead of reporting the debt as a discharged debt in the bankruptcy like the other creditors they have been reporting negatively on my report. All of my other debts have been paid on time and whats negatively impacting my credit after the bankruptcy is this reporting. I require assistance with this collection company which has been advised twice and have spoken to my bankruptcy attorney about the veracity of the discharge, they continue to do harm to my character and my credit. From the credit report it has the address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. Phone number XXXX, original creditor Citibank, the report shows that they will keep it on record until XX/XX/XXXX. Account number XXXX has is XXXX, date opened with XXXX XX/XX/XXXX.  My phone 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 04-06-2018 about Vehicle loan or lease (Loan) with Globe Acceptance, Inc. (NC).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I have a loan through XXXX XXXX on a vehicle. Ive had it for 3 years with only 11 payments remaining. My payment Is due on the XXXX each month and this month I had to wait till the XXXX to pay. XXXX, a gentlemen at the company called my work 7 times yesterday. I was busy when he called but he was giving out information about my account to other employees and even threatened to send someone to my job if they did not have me call back. The collection tactics with this company are unreasonable and completely illegal. I am also speaking with an attorney about rights that were violated by the comments made to employees at my job. I will be pursuing a lawsuit within the next 2 weeks. With the written statements I have from work and clear violations this company has made, theres more than enough to put them back in their place

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Student loan (Non-federal student loan) with CITIBANK, N.A. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: My private student loan is through CitiBank, Citi Assist loan. XX/XX/2016, the interest rate went up on my student loan by .25 %. That is fine. BUT, my payment more then doubled. I went from paying {$130.00} a month with a 4.25 % interest to {$320.00} with a 4.50 % interest rate. This seems WRONG correct? They were not helpful. They suggested I do a direct debit to reduce my interest down .25 %. So I did. My interest went back down to 4.25 % ( my original interest ) and now my payments are {$130.00}. So basically I am getting screwed by them because none of this makes sense. I firmly believe this new payment of {$130.00} is WHAT I should have been paying with the interest increase. They tried to double talk me when I asked about my new payments after the interest hike and they were not helpful and did n't do anything. I am very scared about the next interest increase and what they will come up with for my payments.

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 10/15/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I have formally requested by certified mail on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16 that Portfolio Recovery Associates provide me with validation of the account they have listed under my social security number that they are reporting to the XXXX credit agencies pursuant to the Fair Debt Collection Practices Act. Due to the inaccuracies in these credit reports I have asked for a form of verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recall consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable and was not claimed as a loss with any insuring entity during the period it may have been payable. With all these request they have failed to provide me with any substantial validation which is a violation of the Fair Debt Collection Practice Act.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: XXXX XXXX XXXX has been included in the names reported section for the Equifax Report which helps to determine my credit score. This is incorrect as this has never been one of my names and should be eliminated from the reports and my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: For the life of the loan, since  XXXX , not once have I been offered a reasonable amount that I can pay.   I go through this every year. The last time, in  XXXX , I was offered to make monthly payments of over {$500.00}. I keep getting on forbearance year after year after year.   My loan has ballooned from about  $ 35K to almost $ 55K. I  am able to make reasonable payments, not an amount that puts me in a position of having to choose between daily needs and repaying a debt. Thats why I always end up in forbearanceyet again allowing  for Navient to ball oon the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (VA mortgage) with United Military Mortgage, LLC (AZ).
Issue: Application, originator, mortgage broker

Complaint: I recently refinanced my mortgage and I have been receiving several letters in the mail soliciting me to do another refinance. I received XXXX from United Military Mortgage LLC and it really concerns me. The letter states I can get a rate at 2.25 % ( XXXX ). In reading the reverse side of the letter I found out this was for a 3 year Hybrid ARM/Adjustable Rate Mortgage with XXXX discount points. No where on the front does it list the loan as a ARM and/or list any discount points. This is very deceptive advertising and I do not believe that this should be allowed. As well as this loan would refinance me into a 3 year ARM from the 30 year fixed rate mortgage at 3.25 % that I currently have. Being in the business I do not see how that would benefit my current situation or any borrower in a similar situation. I also do not think your average consumer would figure out that this was an ARM until they started working with the company or possible close their loan. With all the regulations out there today, I do not know why this kind of advertising is allowed. Company XXXX # XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Debt collection (Medical) with Franklin Collection Service, Inc. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was hurt on the job. I was covered by workmans comp. I Supplied all required and requested information to hospital administration. I completed and turned in every form to my employer in a very timely manner. A few days later, I began getting phone calls about the hospital not receiving payment. I told my employer that there was an issue with the hospital getting payment because the insurance company did not have all of the required paperwork. My employer kept saying it 's all been taken care of, the company and the hospital will get it worked out. I stated my case to anyone that had any involvement in the process. Just hoping I would be released from the responsibility of asking adults who are professionals in the customer service industry to communicate effectively and identify issues that have very simple solutions. It quickly became clear that complete incompetence, or at-the-very-least fraudulent negligence by my employer and his insurance company. I quit my job and never again was able to have any conversation with my ex-employer. I ca n't even get info on which WorkComp Co. the policy was with.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Rent Recovery Solutions (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I am a victim of identity theft and noticed a collection from Rent recovery solution. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Rent Recovery Solution in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted Experian to dispute items that I did not recall or recognize on my credit report. I requested that documentation ( i.e contracts or agreements to pay ) with my signature be provided to me to validate that the accounts were mine. I received a summary of disputes, bot not one piece of information validating that any of these accounts belong to me. It is my belief that these accounts can not be validated and that is why the information I requested was not sent to me. It has been over 30 days since I requested this information.

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 11/22/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Account opening, closing, or management

Complaint: On or about XXXX/XXXX/16 my father instructed and provided his girlfriend with account information to send a quick pay to my account in the amount of {$2000.00}. At this time my father was alive and well, during the course of day on or about XXXX/XXXX/16 my father was murdered which was unknown to myself or the girlfriend. The quick pay was sent at some point on or about XXXX/XXXX/16 my grandfather became upset that he wasnt listed as a beneficiary and decided to make a fraud claim without in basis. The bank than proceeded to close accounts and send my father funds via XXXX. According to the bank on XXXX/XXXX/16 I went to provide death certificates and request rights of survivor-ship and beneficiary information my account was being frozen until the fraud department was finished with an investigation. On or about XXXX I went in back to withdraw funds from direct deposit from my employer and child support when I was notified by a teller that all my funds had been sent back, the remaining funds were sent via mail in form of check on XXXX/XXXX/16 to address on file. As of XXXX/XXXX/16, none of the funds have been received and my employer has stated that no notification of returned funds has been received. I have called the customer care and executive office for assistance regarding how Chase JP Morgan has mishandled my funds and account. Chase bank has not provided any instruction on how to handle an account in the event of a death, or rules that states you cant provide another person access to account if the customer wishes engage in such practice. Launching a fraud case without all the facts is bad business practices and causes a disruption in an situation that has no intention of anyone involved committing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: SPSAccount # XXXXI am writing this letter to request that you remove the late payments and the negative items reporting to thee credit bureaus. I know it is your power to do so via theFair Credit Reporting Act. 

Speaking with the lawyers and the closing company it is standard via a short sale package for the creditor to remove all negative trade lines and stop reporting to the credit bureaus. I am selling via short sale with your approval. I need to put this short sale hind me and move on. 
I am requesting that you remove all negative payments and stop reporting the trade line altogether and not report the short sale. 
There are several letters requesting the same in the short sale package and it had stop being reported but now the debt is being reported again XXXX. I am sure this is an oversight. 
I am now attempting to improve my credit score, but am having difficultly due to the negative listing on my credit report. Therefore, I respectfully request that you remove this negative listing from my report as a gesture of goodwill. 
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 01/25/2017 about Prepaid card (Government benefit payment card) with Comerica (FL).
Issue: Unauthorized transactions/trans. issues

Complaint: My SS Retirement check is directly deposited in Direct Express the XXXX of the month. I received my deposit. A few hours later received an email from Direct Express stating my request to change my password was granted. I immediately called Direct Express stating I did not authorize this and why did they not try to verify request before granting it. They denied that they did this. My money was illegally transferred and all I could do is file a dispute and Direct Express never accepted responsibility for their lack of security.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/26/2017 about Debt collection (I do not know) with HSBC NORTH AMERICA HOLDINGS INC. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: THE COMPANY NAME WAS   XXXX   XXXX   XXXX   THEY WOULD NOT GIVE ME THERE ADDRESS ON  X/XX/2017    THERE PHONE #  XXXX  REFRENCE #  XXXX  THEY TOLD ME THEY WERE GOING TO TAKE MY  XXXX  VECHICLES AWAY PLUS GARNISH MY WAGES WHICH IS SS.THE DEBT WAS FOR {$1600.00} FROM HSBC THAT DEBT WAS PAYED IN FULL THRU MY BANKRUPTCY IN  XXXX  DISTRICT OF ILLINOIS  XXXX  DIVISION. I HAVE ALL THE PAPER WORK CASE #  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: To begin, my previous dispute with the Consumer Protection Bureau against Transunion was not properly addressed. Originally, I demanded validation from the following creditors : XXXX XXXX and XXXX XXXX to prove the amount they seek to collect is valid. They have not provided any evidence or information to me to substantiate their demand for payment. Transunion did not provide an explanation of how they verified the creditor has complied with my validation request to allow them to continue reporting the information. All Transunion has done is describe how TransUnion verified the balance due. Pursuant of the Fair Credit Reporting Act I request a detailed description of the method used to verify the creditor 's compliance with MY DEBT VALIDATION REQUEST. 

Although, it is not Tranunion 's obligation to mitigate disputes between consumers and data furnishers, it is Tranunion 's obligation to ensure the data furnishers are following the laws which govern credit reporting and collection. I understand you are not obligated to acquire original documents to verify the information, however ; the creditor can not report information that they can not validate to me, the consumer, after I have requested it. This letter is advising you that the company has not complied with my demand for validation. It is now your obligation to verify their compliance with my debt validation request prior to the continuation of reporting their furnished information. 

Ultimately, I need the invalid information removed from my reports immediately as it is causing financial harm. I own and operate a conglomerate that focuses on the acquisition of well performing small businesses and this inaccurate information is preventing me from obtaining necessary loans for me to earn a living. If you continue to report information that the company has not validated with me, I will pursue legal action in the XXXX County Court of Nebraska. I will seek lost earnings in the amount of {$2100.00} per week which is what this invalid information is costing me. In addition to the actual damages, I will seek statutory damages for every unverified and invalid item you continue to report. Finally, I will seek recoupment of any and all legal fees I acquire to enforce the Fair Credit Reporting Act with your company. I assure you I have the time, the grounds, and the legal and financial means to take the actions mentioned.

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