milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/28/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have requested a loan Modification from Citimortage Acct # XXXX I work full time at XXXX. My Husband is extremely XXXX and on SS Benefits XXXX XXXX at Citimortage has falsified that I have communicated with him. We are delinquent on the Mortgage - having to leave work to take my husband to the Dr XXXX 
Good afternoon XXXX, Thank you for taking the time to call me back during your lunch to go over your options. As we discussed over the phone, we can review again to see if you may qualify for a Modification to your existing home Mortgage loan. In order to do so, we will need to update several items. Most of what you sent in has expired, as they were sent to us in XXXX, and they have a 90 day shelf life. Please provide the following:

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: NAVIENT is NOT stating a balance on my payments received by them, I have no way of knowing if they are applying these payments to my account, they actually show an increase to my principal.They only send me a new payment schedule with bigger balance .I have tried to get answers on the phone to no avail.Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have paid all my bills on time for 50 years and maintained a XXXX credit score, I was hurt in an accident XX/XX/2015, and did not have insurance. One of the doctor bill fell through to collections and destroyed my credit score even though I settled the bill. The credit company 's remarks are as follows : DEROGATORY PUBLIC RECORD OR COLLECTION FILED LENGTH OF TIME SINCE DEROGATORY REMARK OR COLLECTION IS TOO SHORT PROPORTION OF BALENCES TO CREDIT TO HIGH ON REVOLVING ACCOUNTS TOO MANY INQUARIES IN LASR 12 MONTHS HAS ADVERSELY EFFECTED THE 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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Mid-Atlantic Finance Co., Inc. (FL).
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: I sent Mid ATL fin a certified letter to the address on my credit report on XX/XX/XXXX. It was returned to me stating invalid address. I then researched the address to find another address in FL to resend the letter via certified mail. The letter was pertaining to an old vehicle loan from XX/XX/XXXX that I am trying to request paperwork on. The VIN number is XXXX for a XXXX XXXX XXXX. I requested that Mid Atl provide me with all required notices. Effect of errors and omissions - notification before disposition of collateral. - contents and form of notification before disposition of collateral. As this account is reported on my credit bureau as repossessed and charged off. They are required by law to send legal notice and proof of the commercially reasonable manner of notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of the letter received. The alleged claim of deficiency will be considered null and void. see attached a copy of the letter that was sent to them On XX/XX/XXXX Mid ATL responded and stated that they never repossessed or sold the vehicle in question. see attached Then on XX/XX/XXXX - they sent a letter with a copy of payment history and contract. 
I 'm not sure what Mid ATL is trying to state in these letters, but they are not providing the documents that are being asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: EXPERIAN keeps on reporting this item as a charge off- I never applied or received any money on this account- XXXX XXXX and XXXX XXXX This account is a fraud account - i called the companys several times and I get the same respond that its mine - I do not have any record of these items on my behalf

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: I have tried numerous times to resolve an inaccuracy in th way an account is reporting with XXXX, Equifax, and XXXX all to no avail. 
The account is for an auto loan which was repossessed in XXXX and sold at auction in XXXX. The original loan amount was approximately {XXXX}, and once sold approximately {XXXX} remained. 
At this point it should be reporting as a charged off account in amount of {XXXX} approximately, but instead continued to report as late payments each month with a balance remaining of XXXX. 
I have tried, and tried to resolve both with the bureaus, even sending supporting documents ( attached ) from original finance company, but to date all disputes have been updated as " validated/verified '' and disputed closed. 
I am not disputing the validity of account being mine, but rather an error in how it is reporting. 
I am a single mom, doing my best to purchase a home in near future, but this continues to affect my credit negatively month after month. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company called has added a note on my credit report and calls more than 3 times. 
They say they are doing this on behalf of a leasing office which claims I owe them money whereas they actually did n't pay for the damage my property suffered because of the lack of maintenance their contract has to provide. My loss was for {$3100.00}, they claim I owe them over {$2100.00}. They actually have a debt with me as they also kept my deposit of {$400.00} which accrues everything up to almost {$3500.00} without considering fees and interest.

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 04-12-2017 about Credit card () with AMERICAN EXPRESS COMPANY (AZ).
Issue: Advertising and marketing

Complaint: On the american express website, I was offered to obtain a second card. The way I read it, amex was simply inviting me to get a second card for the person of my choice. Since I already have a card, and since it appeared as an invite, I just assumed that they would be sending me the second card. Rather, I received a notice of rejection, which notice contained no reasons whatsoever. I have been a customer of amex for three or four years. Their way of dealing with a customer is bad and insulting. Their treatment belies their statements that theirs are " valued '' customers.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I graduated from XXXX school in XX/XX/2007, In debt with a student loan to the amount of about {$19000.00} dollars. Jobless and making a little more than the minimum wage and with a car payment and no real future in the XXXX world i decided to go back to school. My loan went into forbearance, after a couple of years of that i started to make payments on my loan that now was at over {$25000.00} dollars I could not afford the {$390.00} payments. So i stop paying after being harassed day and night i came to a payment plan by this time my loan was at {$30000.00}. I made monthly payments for over a year of {$250.00} a month but no matter what my loan does n't seem to be going down the opposite has happened it continue to get bigger. I am at {$33000.00} and have been out of the program to repay it because i do n't qualify for it any longer, but i still cant afford the payments and with a variable rate that is at its highest at 8 %. I cant afford the payments I 've tried to work with them but i do n't qualify for any program and even if i sent any kind of payment my loan seems to be going up because of the high interest rate. The worst part is the school has since I 've graduated now been closed down and does n't even exist and my {$19000.00} loan is now over {$30000.00} and I feel like I am drowning and i have no life vest. i have tried to set up some kind of payment plan but I just cant get to make anything work for me. I attend XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX. On top of that i did n't understand the difference between a Federal loan and a Private loan and now i am stuck with a private loan.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Credit card () with DISCOVER BANK (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I am a victim of identity theft, and have been battling creditors since XXXX 2015. My son, XXXX XXXX XXXX used my personal information to open up several credit cards under my identity. The fraud was exacerbated by the fact that at the time he lived with me and my wife at XXXX XXXX XXXX XXXX, Ca XXXX. On XXXX XXXX 2015 I filed a formal police report and had a Fraud Affadavit notarized as recommended by both the XXXX Police Department and the Federal Trade Comission. I notified all creditors with claims against me of the facts and thus began my lengthy ordeal navigating this mess. I understand things are confusing as we both have the same name and the statements were sent to my mailing address, but this was all perpetrated by my son whom has confessed to it and takes responsibility. 

I have done alot of research and consulted with several consumer finance attorneys and understand that as a Victim of Identity Theft I have several rights and protections under both state and federal laws. Out of all the creditors only Discover Bank has brought legal actions against me, and also after being formally notified and being provided copies of both the law enforcement report and the fraud affidavit continue to disregard the facts set forth in this case. The willfull negligence and blatant disregard of the facts are concerning as they continue to find me liable for this fraudulent debt, and continue to pursue collection activity in violation of my rights under the Justice for all act and the protections handed to me by Ca Penal Code Section XXXX and Civil code XXXX -- -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/14/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I would like to file a complaint against Experian, without researching they made no attempt to investigate the issue with XXXX. My balance for account # XXXX should be XXXX. I returned the equipment on XXXX/XXXX/15 and they never issued a credit for it, currently it 's reporting that I have a balance of {$1000.00} which is completely incorrect and should be adjusted as of XXXX/XXXX/15. They are impeding my credit score as it should be much higher than it is. Also, they are reporting under " revolving accounts '' and utilities such as home phone and cable should be installment NOT revolving. I have attached proof as well of the return.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2017 about Payday loan, title loan, or personal loan (Personal line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Problem with the payoff process at the end of the loan

Complaint: Here is a brief summary of what has been going on. Ten years ago, my wife and I applied and got a Home Equity Line of Credit against a Mortgage Free Property. Without any pre-warning or notice of any nature, it ballooned. We continued to receive statements and paid on them for 1 1/2 years. We went to re-finance on another piece of property, only to find out the Equity had ballooned. We have now been trying to get a Loan Modification for 1 1/2 years, either trying to get it rolled into a Conventional Mortgage or some type of Modification. Bank of America keeps on declining our application with the same reason that they can not verify our employment, even though we have supplied them with whatever they have asked for. In the meantime, they have stopped sending us statements, refuse to take money against the loan and are sending our credit rating into the mud! There is a lot more to this. The phone calls, the meetings at the Bank, the many people we have talked to. The amount we are talking about to refinance is {$75000.00} Thank You

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I received an email on XX/XX/XXXX about Equifax data breach that affected many consumers. I was one of the consumers that it affected. I called Equifax on XX/XX/XXXX to have inquiries and other items removed off my credit report, because of this breach. I talked to a rep and was told " NO '' they could not remove the items off my credit report. The email that I received stated the following " XXXX, As you may know, millions of Americans had their personal information exposed by the recent Equifax data breach. Also, they have been hit with a lawsuit over the breach that affected 143 million consumers. Equifax failed to protect the consumer data it collects, including millions of Social Security numbers, names, email addresses, birthdates, and other personal information lost to cyber thieves ''. I feel that Equifax should be able to delete items from my credit report, because of this breach. Here is the following inquiries that was not deleted off my credit report because of the breach. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX  XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX/XXXX XX/XX/XXXX 7.  XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX/XXXX XX/XX/XXXX 10. XXXX XXXX  XX/XX/XXXX 11. XXXX/XXXX XX/XX/XXXX 12. XXXX  XX/XX/XXXX & XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX & XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX **I have dispute many times with Equifax about being an victim of identity thief and now I learned that Equifax has breach many consumer data. Need Equifax to removed the inquiries off my credit report and two collections that are on my credit report : 1.  XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) for {$XXXX} 2. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) for {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (PA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Hello, I called the  XXXX  representative about the interest charged during CY   XXXX  . I pay more than the minimum balance each month and I am being told that a 6 month promotional offer expired and I was charged interest for not paying the card in full in addition to the revolving balance I carry each month. The representative says the card works this way as any no interest term offer is automatically offered to members and interest is charged if not paid in full and is indicated on statements. I paid a total of {$670.00} to date in  2017  and was charged {$420.00} in interest. Please investigate.     Thanks,  XXXX   XXXX   (  personal cell )  XXXX  ( office cell )

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 03-10-2017 about Debt collection (Medical) with Medical-Dental-Hospital Bureau of San Antonio (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My daughter owns this money not me I already talk to them, they said they were going to remove this collection from my credit score they have not done it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2015 about Debt collection (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Navient hired XXXX XXXX XXXX XXXX to Collect on a private student loan. XXXX XXXX XXXX XXXX has repeatedly used deceitful collection practices to try and collect on the debt. I called XXXX XXXX XXXX Systems today to make a payment, they proceeded to ask me to update my address with them. I told the person no i just want to make a monthly payment of {$250.00} as I have been doing since XXXX 2015. They then transferred me to their " credit card processing '' line, and they proceeded to ask for my address again which they had never done before when I had made a payment. The intent of asking for my address again had nothing to do with processing a payment, the intent was to deceitfully try an collect and updated address. This is deceitful collection practices under the Fair Debt Collection Practices Act. Navient has repeatedly hired these unscrupulous and deceitful debt collectors to collect on their debts.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: After the Equifax leak, all credit bureau 's should make all aspects of freezing consumer credit, free of charge. Freezing, temporary lifts, and removals, should all be free.

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with STERLING JEWELERS, INC. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received a call from an very rude gentleman saying that a debt was owed and if I did not respond within 2 hours, they would issue a warrant for my arrest. I asked what the debt was about, they referred me to an alleged attorney 's office. Attorney name was XXXX XXXX XXXX. Phone # XXXX XXXX XXXX. Spoke with them. Asked them to provide me a copy of the debt. They said they did not have that info and they referred me to a company call XXXX in XXXX XXXX, CA. Phone # XXXX XXXX XXXX. The attorney said that this is the company who owned the debt. Called that number. The lady answering the phone was extremely rude. I told her i was calling to try to resolve the debt in question. She had faxed me a credit card authorization form and a letter stating that the debt was due today. She told me that if the debt was not paid, they would have me arrested. I explained that i didnt want to give them credit card information and asked if i could pay with money order or certified check from my bank. She said no, credit card only. I told her i wasnt giving her a credit card and she said then i would just suffer the consequences. I asked her for a written validation notice ... she said " you owe the debt, just pay it ''.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Auto) with SANTANDER CONSUMER USA HOLDINGS INC. (HI).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: My car went missing from the parking lot at work in XXXX. I tried to file a stolen vehicle report with the police and insurance company. Santander said they repossessed it due to late payment so I was unable to report it as stolen. For almost a year or more they contacted family members and neighbors over the phone and in person trying to find my car they claim they did not repossess it and we 're looking to repossess it. They continued to call and ask me where my car is after THEY told me multiple times that THEY repossessed it. They even called to tell me it went to auction on another XXXX and asked me where it went after auction like I would know. Then in XXXX they send me a letter to settle my charge off amount for 50 % off my total amount in exchange for the title for a car they claimed they repossessed, supposedly auctioned and lost track of 4 years earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The account has been disputed, deleted and does not belong to me. The credit bureaus deleted it once before and has now allowed a different company  (   XXXX   XXXX  {$1500.00}  XXXX  to report the same account for {$1.00} more than what was reported before.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (I do not know) with Midwest Recovery Systems (SC).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I received several phone calls from Midwest Recovery over the last couple of months. Each time I stated I had no knowledge of alleged debt. Each Time I requested something in writing so that I could investigate. Each time they refused. When I stated that the FDCPA requires them to do within 5 days of initial contact they stated they do not have to. The last time they contacted me on XX/XX/XXXX they left a voicemail and I returned the call and the gentleman said they were going to report it to the credit bureau despite the numerous attempts that I asked for written documentation. THey said they do not have to provide that. Today I checked my report and they reported it to all 3 bureaus causing my score to drop significantly.

Company response to consumer: Closed with explanation