milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Riverwalk Financial Corporation (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid off or settled with XXXX XXXX XXXX back on XX/XX/2017. I  made a total amount of payments for {$860.00}. XX/XX/2017 was when they recieved my last payment and according to the letter they sent me dated XX/XX/2017, I have a balance of {$0.00}. I owe them nothing, {$0.00}. However, XXXX according to them XXXX states I still owe them {$590.00} was of XX/XX/2017, which is inaccurate. I have already disputed this twice with XXXX  and even faxed them the letter I have directly from XXXX XXXX XXXX that my balance actually with them is {$0.00}. XXXX  and XXXX XXXX XXXX need to update my credit report accordingly to reflect the balance owed as {$0.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had a case opened with equifax here is the case number : XXXX which was resolved. I received a copy of my credit report and I verified that the XXXX account balance were updated to XXXX. I just pulled my credit report and the balance reflected right now is not XXXX, it has gone back to the old balance again. This is the original complaint " I had XXXX credit card accounts with XXXX XXXX for which the debt was forgiven and I was issued XXXX forms. Cancellation of debt. I then, when ahead and reported both accounts on my personal income taxes for XX/XX/XXXX and XX/XX/XXXX, and paid accordingly to the IRS. The account has been written off and taxes have been paid on the amount forgiven, XXXX bank has been given the tax write off but they are still reporting a full balance for both account on my credit report. It should be reported a XXXX balance as the debt has been cancelled/forgiven, the have already taken the tax write off from the IRS and now they still want me to pay in order to report a XXXX balance to the credit bureaus. This would be double dipping for XXXX XXXX, getting the tax write off and then still collecting the cancelled amount on both accounts. Partial account numbers are : XXXX and XXXX, full account numbers are reflected in the attachment. '' XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I am a  XXXX   year   old    XXXX   with  XXXX  bachelors ' degrees, working full time plus per diem (  XXXX  jobs  )  in the poorest most crime-filled city in Massachusetts, and holds a record in the country as well,  XXXX , MA. Since graduating from my first degree in  XXXX  I have owed hundreds of thousands of dollars to  XXXX   XXXX   (  then becoming  Navient ) , a major lawsuit victim due to extenuating criminal activity. I have private and federal loans, both of which add up to way beyond my cost of living ( over  XXXX  in loans just to be a   XXXX   XXXX   ). I have tried for the past  XXXX  years to lower payments to something even close to reasonable, which I am not able to do. Payments exceed 1000/month. This is indescribable and morally wrong. I have since separated federal and private payments : my federal loans are under a forgiveness program due to my being a  XXXX  in a poor city hospital. This has helped a little and in   XXXX    years my federal loans supposedly will absolve. My private loans are still with Navient and even though I am on an income based repayment plan it is deplorable. I need help with finding a lawyer who can assist me in getting proper restitution with this. I can not tell you how many people I know who have little or no student loans due to some kind of assistance they have received, many not having the same due diligence as I. I am a US citizen, born here from other US citizens, working and paying taxes since I was  XXXX   years old . The amount of students  (  Including both  XXXX  Marathon   XXXX   XXXX   ) who have gotten aid in paying for school who do n't even deserve it, is reprehensible. Please help me in finding the right direction to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: We opened this account in XXXX and paid on time each month until XXXX XXXX when we filed for bankruptcy ( Chapter XXXX ) when we stopped making payments per our attorney. The trustee made payments to Ally until we dismissed the bankruptcy in XXXX or XXXX XXXX. Ally is incorrectly reporting the account as late every month during this period, instead of stating that it was included in the bankruptcy and omitting the fact they were receiving payments from the trustee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TOYOTA MOTOR CREDIT CORPORATION (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XX/XX/XXXX, I was approved for a vehicle ( XXXX XXXX XXXX ) at XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, TN XXXX ) through XXXX XXXX. The monthly payment was around {$640.00}. I provided the necessary documentation-2 current pay stubs, proof of residency ( lease and utility bill ), employment history ( 17 as a XXXX ), etc. I was there with my XXXX daughter and of course was complimented many times about her. I was told that my 1st payment would be around XX/XX/XXXX. In XX/XX/XXXX, I received a welcoming call from XXXX, that provided me with information about my upcoming payment. A few minutes after the call ended, XXXX called back to ask me if I was on XXXX leave ( I found this to be very odd that they knew that I had recently XXXX XXXX ). I said " yes '', and then we hung up. I never received the information about how to make a payment. A week later ( now a month of driving the vehicle has passed ) Toyota ( a lady named XXXX ) called to inform me that the loan was denied because I was on XXXX leave-despite the employment history and my current pay stubs. I wanted to know how XXXX knew that I was on leave. She was n't sure, but that I should n't worry and that Toyota would handle it. They " handled '' it by making hard credit inquiries without my permission- XXXX ( twice ), XXXX XXXX, Toyota Financial, and XXXX. In XXX, I sent a certified letter with a signature receipt asking them to remove the unauthorized inquiries within 30 days. Their response was for me to return the vehicle. The signature on the receipt was on XXXX XXXX and the 5 inquiries are still on my credit report, my score has lowered, and I am still without a vehicle. I need your assistance in this mattter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit reporting () with Credit Karma, Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Credit Karma wish is an online service only! Their only ways of communcating is by : internet, websites, online, and or by via email! Just sick of business of this magnitude ; being able to conduct business, in the XXXX, or this Country! Then when CFPB launches your investigation, and trying to track down these fools : you 've to come up with, these sorry tired excuses, and worthless explanations! If they 're too big to fail, be challenged, reached, contacted, and seamlessly ca n't be located/tracked down! Why subject it to be so, that businesses of this magnitude, exist in the first place? XXXX XXXX merely tried to play, and mess all over me! In an attempt to get back, at me for some of my complaints, and negative feedbacks : either about themselves, partners, and or their members! I, thought this was the land of the free, and home of the brave! It seems that this, only applies to certain ; classes, and kinds of people! That 's some mess up, cheesy, disgusting, inappropriate, outrageous, and should be deem illegal! I 've sent several complaints, or grievances to XXXX XXXX! However, they had either objected, and or refused to respond to most of my complaints! Things had gotten so much, out of hand, and control! I was left with XXXX choice, and XXXX choice only : which was to unsubscribe, my membership with them! They ca n't take constructive criticism, negativity, being called out, and more certainly ca n't handle the truth at all! You know what CFBP? That sounds like something very personal, and their XXXX problem alone! Now, if I wanted to sign up again or become a member, then you 've to wait for six months! Which to me, sounds like a scare tactic, regrettably attempt, discouraging bluff, form of backlash, and punishment for unsubscribing! WOW!!! Instead of submitting any documents, I 'm just going to mail them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Medical) with Choice Recovery, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from CHOICE RECOVERY. I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 09/30/2016 about Debt collection (Credit card) with West Bay Acquisitions, LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I checked my credit report and in collections there is a company ive never heard of called West Bay Acuqisition which I looked up and they said its a scam collection. It says it was XXXX XXXX 2015 which I do not recall any charges for XXXX dollars. I want this off of my credit report or something that shows me that I did make a purchase.

Company response to consumer: Untimely response
Consumer complaint received 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: CITIBANK is A FRAUDULENT CRIMINAL AND USES WORD SEMANTICS AND MANIPULATION OF FACTS, so i read the response, and it doesnt answer my questions, and is very deceptive, so you kept the original check, how long did you keep it before you sold it with a cusip number as a securities instrument?, I have located the financial institution you sold it to, did you also sell my original contract with the wet ink signature?, I BET YOU DID, AND ARE YOU GOING TO CHARGE SERVICE FEES TO MY TRUST ESTATE?, I BET YOU ARE FOREVER, so CITIBANK has sold the original instument which now there is no proof of indebtedness, I havent received a sworn statement from ANY citibank representative stating a wrongdoing committed by me, sworn to before a notary which makes it binding ; ; and yet citibank makes false claims on me? send me a sworn statement of wrongdoing committed by me and swear to it under oath, because you cant do it, YOU SOLD THE ORIGINAL INSTRUMENT AND MADE PLENTY OF PROFITS FROM IT AND IM GOING TO PERSUE THIS MATTER AND PROVE THE FRAUD AND LIES COMMITTED BY CITIBANK, I NEVER RECEIVED ANY ''BILL '' EITHER, SO SEND ME A ''BILL '' AND NOT A STATEMENT, A STATEMENT DOESNT PROVE ANYTHING, its all presumptions you XXXX liars creepy freekazoids criminals, HOW MANY SIGNATURES ARE YOU SELLING EVERYDAY YOU LYIN MOTHER XXXX, AND THE LAW SAIS YOU OWE ME THE INTEREST WITHIN 3 YEARS FROM ALL THE SECURITIES YOU SOLD USING MY TRUST ESTATE,

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 11-12-2015 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint: Collection agency ( Midland Funding LLC ) garnished my wages back in 2010 collected the amount that was owed and now claims that i still owe them the same amount. They are using the law office of XXXX, XXXX, XXXX XXXX XXXX XXXX. They sent me a notice of motion I do not know if it is legit or fake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/23/2015 about Bank account or service (Savings account) with M&T BANK CORPORATION (WA).
Issue: Account opening, closing, or management

Complaint: We relocated to XXXX and want to close our bank account in XXXX NY. We call them to let them know that we no longer need the accounts but they ( M & T ) reps wo n't close the account. On top of that they keep charging service fees and other fees on the accounts. 

This is rediculous please help

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Other

Complaint: I am received several phone calls requesting payment on an account that was paid for several years ago in XXXX. I have receipts reflecting payment

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Student loan (Non-federal student loan) with AES/PHEAA (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This matter is about a Private student loan ( I am the co-signer for my son, who defaulted on it, so I have been making payments via automated payment through XXXX XXXX for several years now ). 
The loan provider is : American Education Services ( AES ) Current Situation : XXXX XXXX proof of payment copy shows payment sent on XX/XX/2016 ( delivery : XX/XX/2016 ). On XX/XX/2016 I received notice of delinquency on account. I called AES and spoke with operator. They confirmed that payment was received, however it was in " suspended '' status, but they had no knowledge of why it was in this status. They promised to process it. On XX/XX/2016 I checked status to find it still delinquent. I spoke to another operator ( # XXXX ) who re-confirmed the same thing from XX/XX/XXXX. They also promised to process it for payment. On XX/XX/2016 I received e-mail from XXXX XXXX advising that my XX/XX/XXXX payment had been returned. I again called AES and spoke to another operator ( # XXXX ), who also re-confirmed the previous XXXX, but also stated that they did not return the check to XXXX XXXX and still had it. They also promised to process it for immediate payment. I recorded that call and that operator advised that it was an error on AES and that the account was not delinquent ( even though it shows as such and I would continue to receive notices of delinquency ). On XX/XX/2016 XXXX XXXX re-deposited the XX/XX/XXXX payment back into my account. On XX/XX/XXXX, I received another e-mail from AES on account delinquency threatening me with negative credit reporting. I now have proof of payment from XXXX XXXX of my scheduled XX/XX/XXXX payment ( issued on XX/XX/XXXX and delivery on XX/XX/XXXX ). 

I believe that AES is a corrupt organization that uses threatening & devious ( possibly illegal ) tactics to deceive account holders into making additional payments ( by putting payment into " suspended '' status and requesting additional payments, checking account numbers, credit card payment, etc. then releasing the suspended payment ). Their " operators '' have little or no knowledge or authority ( obviously, based on my recent experience ) to solve problems. 

I need urgent help getting the mess created by AES cleaned up as I ca n't seem to find anyone capable or responsible to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Prepaid card (Gift or merchant card) with U.S. BANCORP (WA).
Issue: Fraud or scam

Complaint: I purchased a visa master card at my local XXXX for XXXX dollars. My husband tried to use the card and it said declined. and I tired to use it too and it said declined, it was never activated. We called the number on the card and the lady was very rude and would n't listen to us. She said they thought it was fraudulent activity so it was canceled. It was canceled before we could use it. I even tried to get online and put my information in like the card said to do and it never let me. It said that the card number was incorrect. The rude lady on the phone said to fax a copy of our receipt and address and number and copy of the card to her, and that she did n't know when we could get the XXXX that we put on the card. It could take a week she said. So they took our money and do n't know when we will get it. What 's the point of a gift card if u ca n't even use it. They did n't seem to want to help and resolve the problem. She never said we would get our money back, I felt like we where given the run around. I feel like I was scammed. My husband got the money order to buy me wigs online because I 'm sick and have no hair because it fell out. And now I have to wait a week or more or may not even get the money back and have no wig to cover my bald head. I ca n't wait a week or afford to be ripped off. I 'm already sick and suffering.

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 04/17/2017 about Other financial service (Check cashing) with JPMORGAN CHASE & CO. (CA).
Issue: Fraud or scam

Complaint: Several checks were issued from XXXX for possible claims reimbursement or some type of distribution of money. These checks were signed by another person and my signature was forged on others and the checks were cashed. After speaking with XXXX, they said it was Chase 's job to create an audit/test the process from the check cashing. Chase also released my personal information after it was changed to another party causing further distress.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017 I sent a certified validation letter, with signature requested, to XXXX XXXX XXXX, XXXX to verify an alleged debt they claim I owe them, in the amount of XXXX. I have no contract with this company. They sent a letter back, dated XXXX XXXX, 2017, without the requested validation of alleged debt and retaliated against me by reporting a collections to the credit bureaus within the past week and made XXXX inquiries on my report without my consent. On the bottom of this letter it clearly states in bold letters, " THIS COMMUNICATION IS FROM A DEBT COLLECTOR BUT IS NOT AN ATTEMPT TO COLLECT A DEBT ''. They are damaging my credit report causing it to drop while I 'm working to correct it and deforming my character. Because of this drop, I am unable to get a mortgage or rent an apartment without good credit and my family deserves a home, otherwise we 'll be homeless soon. I 'm requesting this unproven & alleged debt to be removed from my credit reports and all attempts to collect this amount and communication to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: The following accounts have never been mines : XXXX Mortgage XXXX & XXXX, Certified credit XXXX, XXXX XXXX XXXX, Ad XXXX XXXX XXXX. Experian is reporting inaccurate information on my report. I also was a victim of idenity theft. I have wrote several letters explaining these are not my acct.

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 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I purchased a new vehicle from XXXX XXXX in Michigan where the salesperson fraudulently had me " robo '' sign documents, which I signed and the figures were later changed. The initial lender was XXXX XXXX and it was transferred to XXXX XXXX. When I turned the vehicle in, the balance was and had always been paid in full, except when XXXX refused to address the fraud at the start of the loan. The Car had some damage, which was paid for in full by my Automobile Insurance Company, XXXX, to XXXX but they are still reporting a negative account on my 3 Credit Bureau Accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit card () with CITIBANK, N.A. (AL).
Issue: Billing disputes

Complaint: I received an email in the middle of the night on XXXX/XXXX/XXXX confirming my Bloomingdale 's purchase. I called first thing the next morning to inform Bloomingdale 's that I did not make this purchase. The purchase was made by someone on the other side of the country. It is not XXXX/XXXX/XXXX and the charge still has not been cleared from my Bloomingdale 's account. I have called every 2 weeks to complain, submitted an statement of fraud, and done everything I have been asked to do. I am furious. I feel like I have no power to get them to clear us and they always give me a run around that it will be cleared by my next billing cycle. I have been told that the department that investigates the claims is back office and does n't have a phone number. Help!!! I have near perfect credit and this is making me insane.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I was listed as a victim of the XXXX Equifax data security breach in which my personal identity information was made public and stolen.

Company response to consumer: Closed with explanation