milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (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 've been trying to resolve the multiple negative student loan accounts on my credit report. The Credit Bureau 's ( XXXX XXXX XXXX ) are neglecting to verify the accounts properly to determine which ones are duplicates or original. Due to poor lack of investigation and communication I 'm requesting that all of the accounts to be removed. All of the loans in question were recently consolidated but the negative accounts that have been reported are hurting my scores. A list is listed below. XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX/American Education date opened XX/XX/XXXX XXXX XXXX XXXX/American Education date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX  date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX date opened XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX  date opened XX/XX/XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit card () with DISCOVER BANK (TN).
Issue: Billing disputes

Complaint: I carry a 0 % balance transfer ( {$3800.00} ) with my Discover credit card. I have additional credit available on the same card. The minimum payment for this billing period ( XXXX/XXXX/17 to XXXX/XXXX/17 ) was {$110.00}. 
I used the card for new purchases totaling {$440.00} between XXXX/XXXX/2017 and XXXX/XXXX/2017. Before the due date of XXXX/XXXX/2017, I made a payment of {$110.00} XXXX XXXX/XXXX/2017 which cover the minimum payment of {$110.00} and therefore the 0 % on the {$3800.00} as well as an additional payment of {$500.00} on XXXX/XXXX/2017 that more than covers my new purchases of {$440.00}. Despite paying the full balance on the new purchases and also paying the minimum required to cover the balance with the 0 % interest, Discover charged me {$4.00} of interest charges which not only they could not explain which amount was subject to the interest ( there should be none since the new purchases were fully covered by my payments ). Discover 's practice appear to be illegal and not in line with common practices within the industry. They also can not explain what balance they are applying an interest charge on when I pay the new purchases balance in full and also cover the minimum required payment for the 0 % balance. They also stated ( the supervisor I spoke with ) that it is at their discretion to apply my payments to any portion of the balance as they see fit. I then called XXXX of my other credit card providers and as I suspected, they explained to me that if I pay the minimum required for the zero percent transfer balance and then pay the entire balance of any new purchases on the same billing period then I should not and would not be charged interest fees.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2015 about Debt collection (Credit card) with CITIBANK, N.A. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Refusal by Macy 's and representative Citibank to provide sufficient information to allow debt repayment. 

I have been attempting to make arrangements for payment of a debt I owe through XXXX Debt Consolidation Agency. Macy 's has changed their account number system and has rejected all proposals because of either " not enough information '' or " invalid Account Number ''. I am attaching the denial notices issued to XXXX. 

I am unable to reach Macy 's Credit Department, serviced through Citibank to obtain sufficient information to either make arrangements to pay this debt or for XXXX XXXX to submit a letter of proposal. The offices are only open from XXXX - XXXX and every time I call, I am disconnected. ( See attached for further explanation )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (I do not know) with Bronstein & Weiss Arbitration (AK).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: same number calls pretending to be paralegal, then process server. Indicating debt owed, no " debt collection, will be used for the purpose of collection .... '' info given at any time, operates out of XXXX in XXXX store in XXXX, spoofs/blocks numbers

Company response to consumer: Untimely response
Consumer complaint received 07/24/2015 about Debt collection (Credit card) with DISCOVER BANK (MA).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: when i went to refinance my home, I was told that Discover placed a judgement on the title for credit card debt that i did not incur. my husband who i have been legally separated from for 3-4 years did have a Discover card that is delinquent. 
my ex will file a separate complaint as he says Discover never notified him of any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Mortgage (Conventional home mortgage) with MORGAN STANLEY & CO. LLC (TN).
Issue: Trouble during payment process

Complaint: This seeks to resolve a longstanding issue related to escrow practices that put my mortgage in jeopardy as addressed in previous complaint #  XXXX .  XXXX  's  XXXX   XXXX  's response only restates its policies, but fails to provide the information I need to bring this account into current standing. I also continue to hold that  XXXX  's business model does not provide for the informed risk assessment necessary to have made the decision to place an escrow ( and fees ) on this account to begin with. I, having a clear majority of the property equity had the greater incentive to make a separate arrangement on the back tax amount at the time. Instead,  XXXX  sabotaged the note. That said, before I submit another payment on the belief my monthly payment will return to the normal amount of approximately {$500.00} per month including the monthly escrow payment, I need to make a very specific arrangement that again,  XXXX  's business model does everything it can to prevent or avoid. In short, the only approach  XXXX  's call centers offer is to  ( 1 ) lay er even more fees onto the account without even explain the fees that are about to be applied and without ever reaching the {$500.00} normal payment amount or  ( 2 ) to r oll all of that into a refinance through which  XXXX  would take even more fees. These are conflicts of interest that do not serve the lender Morgan Stanley and do not serve to reach the goal of returning to regular monthly payments and begin making progress against the principal again. To accomplish that I need the following information from  XXXX  :  1.  What is the total amount of payments  XXXX  has received since the escrow was placed on the account?  2. W hat would have been the total amount of payments due at the normal monthly payment amount of approximately {$370.00} after the escrow was applied and {$500.00} per month since hazard insurance was added? ( If the regular monthly payments would have been significantly higher than {$370.00} and {$500.00}, please explain why. )  3.  What is the difference between  # 1 and # 2  above, and how does that figure break down between unpaid escrow balance s ( if a ny ) and fees that have been layered into the account without ever being explained to me? Again, I seek to make an arrangement to satisfy the above to bring the monthly payment down to the regular amount of approximately {$500.00} without layering any more fees into the account.

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 09-01-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have disputed a false " hard inquiry '' with TransUnion. They declined to fix the mistake. I disputed that decision. I have n't heard a word from them since, and it 's been many weeks.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have disputed and contacted Equifax NUMEROUS times since XXXX of XXXX. They ca n't seem to get my credit report correct. However my biggest problem with them right now is they will not release my credit score to my mortgage company so we can get our approval. Because of them I have numerous hard pulls against my credit and we have lost homes that we wanted to purchase because of them. I personally spoke with Equifax on XXXX XXXX XXXX in regards to releasing my score. They told me it would be fixed within 48 hours, however when my mortgage company pulled my score again this week it still shows nothing. I have numerous good standing accounts that Equifax has yet to show on my credit report, but XXXX and XXXX have them. Equifax also wanted me to confirm my identity. I have faxed over that information numerous times to them and they still tell me they do not have it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Debt collection (I do not know) with WELLS FARGO & COMPANY (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: XXXX from XXXX called and threatened to have sheriff come and arrest and send me to court. Left voicemail. And called several times. Very rude and threatening

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: APR or interest rate

Complaint: This is my third submission in regard to Capital One bank. I have asked to receive a lower APR on my credit card because it is XXXX to 21.00 %. I spoke with XXXX XXXX the second time about lowering my APR. She told me that she could not lower my APR at this time because I had a returned payment from my bank. I explained to her that my percentage of paying my credit card is 91 % and sometimes I pay XXXX a month because of how high the balance is. I explained to her that I did not apply for a capital one credit card and that it is unfair for Capital One to keep the APR from XXXX from which the account was sold. XXXX XXXX said that this does not matter. She then keeps sending me this letter my personal protection account as if they are going to pay my bill for me. I told her that I do not have a problem with the personal protection account but that is not the only element that is making the payments ridiculously high and the APR!! She continues to send the personal protection letter as if they are an option for me to help pay my bill. I am not unemployed nor do I fit the criteria to receive this benefit. I am able to work and wish that she would stop sending me this letter to try to commit fraudelent claims to Personal Account Protection!!! I can pay my bill I just would like the APR lowered to a reasonable percentage.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Problems caused by my funds being low

Complaint: I have XXXX separate accounts with the Santander bank so as not to co-mingle funds for a XXXX property that I own. I recently deposited a check into my personal account. That check was returned for insufficient funds however it was charged to an unrelated account. 
I 've contacted the bank and explained that I did not want funds comingled however, the bank representative stated that this was " not best practice '' but legally acceptable. 
By doing this this bank has reduced the balance in this account to a very low level and has put me at risk for insufficient funds in this account only. If they would only correct their mistake and use the proper account there would be no issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Equifax has failed ( as usual ) to adhere to proper procedures and credit laws. A XXXX account is on my credit report and needs to be deleted immediately XXXX correctly removed this account that is reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Debt collection (Credit card debt) with Garner & Conner, PLLC (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been working with Garner and Conner since 2010 regarding a collection account and they continue to change the amount owed and are charging a 10 % daily fee. I called today and was given an amount and then they sent an email with another amount. Which is the way this collection continues to go. The original debt has been paid and they have charged more than 50 % of that debt in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Debt collection (Payday loan debt) with CURO Intermediate Holdings (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint: XXXX/XXXX/2017 speedy cash withdrew {$600.00} from account after having account sending account to 3rd party collections agency

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Credit card () with CITIBANK, N.A. (PA).
Issue: Billing statement

Complaint: I checked my credit report and found a small credit card debt with Macy 's ... but the bill was going to the wrong address. It 's gone into default.

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 03-02-2018 about Debt collection (Medical debt) with Designed Receivable Solultions, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: i sent them a certified letter XX/XX/2018 requesting validation. I let them know by law they had 30 days to respond or show me a contract bearing my signature. Not only did they not respond but they marked only one bureau with a dispute mark while they are reporting to two bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Checking or savings account (Checking account) with FIFTH THIRD FINANCIAL CORPORATION (OH).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: On X/XX/17 I submitted a request to close my checking account at Fifth Third Bank. On X/XX/17 I received an email back reminding me of the following : " A checking account is unable to remain closed if it is still being used. Recently closed accounts are reopened if a new debit is submitted against the account. Please refer to the Rules and Regulations Applicable To All Fifth Third Accounts And Cards booklet : " Customer authorizes Bank to honor any items bearing Customer 's account number if Customer has disclosed that account number to the payee or any representative, affiliate, or party associated with the payee, whether or not the item is signed by the Customer. Customer further agrees that Bank may presume that the issuer of the item obtained authorization. For example, if Customer voluntarily gives information about their account ( such as the routing number and account number ) to a party who is seeking to sell Customer goods or services, and Customer does not physically deliver a check to the party, any debit to the account initiated by the party to whom you gave the information is deemed authorized. '' This means that if we receive information indicating that a debit is to occur from your account, we assume that you have authorized the transaction. You will need to contact the merchants who are debiting your account to revoke their authorization to debit from you. This will prevent any additional transactions from reopening your account. '' I 'm not a contract attorney but if I provide written notice to close an account, and they close the account, I am no longer bound by the " Rules and Regulations Applicable To All Fifth Third Accounts '', which means they should refuse any debits attempted on my account after it was closed. Fifth Third 's stance is of course for the " benefit '' of the customer and I 'm sure they would argue it 's a " courtesy '' to ensure payments are not refused, but the reality is that they are providing this " courtesy '' so they can charge overdraft fees to closed accounts. I 'm submitting this because it 's an abusive practice and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2017 about Debt collection (Payday loan debt) with Advance America, Cash Advance Centers, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXXX16 Under {$300.00} The company is threatening to summons me for debt owed while i was on Military duty and going through family issues.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2017 about Consumer Loan (Installment loan) with MINNESOTA LIFE INSURANCE CO., THE (KY).
Issue: Problems when you are unable to pay

Complaint: I am working with XXXX and I have four creditors calling as much as 15 times a day all hours, nights and weekends. Personal Finance XXXX KY., XXXX, XXXX KY, XXXX, XXXX, XXXX, and XXXX Bank. I also work in collections and with all the calls and the hour before XXXX and until after XXXX and on Sundays. They leave messages, and still call back more than what the FDCPA guidelines allow. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (NC).
Issue: Settlement process and costs

Complaint: On or around XXXX/XXXX/XXXX received package of information via XXXX. However the only newly requested document in the package was a Certificate of Incumbency for XXXX XXXX. The other names in a Request for Information letter sent dated XXXX/XXXX/XXXX, a Certificated of Incumbency / Corporate Resolution Authorizations / Power of Attorney for court case # XXXX in the County of XXXX N.C. was not sent. Also, XXXX XXXX was not an Employee or Rep. for XXXX XXXX XXXX of North Carolina or XXXX XXXX XXXX at the time of this transfer and Assignment Of Deed of Trust on XX/XX/XXXX ( see enclosed ). At that time according to Resolution Of The Board Of Directors Of XXXX XXXX , XXXX A/K/A XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX employee of XXXX. XXXX XXXX ( see enclosed ). Therefore XXXX XXXX XXXX was still not an employee or XXXX of XXXX or XXXX, So as a consumer I am still trying to understand how this transfer on new assignment of deed of trust was done " Legally ", ( see enclosed ). I have also enclosed a copy of what I am not sure that my name and address appears on, this is the only other document that was sent by XXXX that might could be an Cert. of Incumbency ( see enclosed ). At this time I am also enclosing lawsuit that I have removed myself from but still remain in the settlement class ( see enclosed ). I have also enclosed a copy of first QWR dated XXXX/XXXX/XXXX the last page. At this Point I as the consumer really would like to see how all of these transfers and filing of documents was done legally but at this time there seem to be a missing link??? Maybe If we can get the transfer paperwork referred to in your last letter dated XXXX/XXXX/XXXX in the " Previous Correspondence '' section page XXXX, which states that " My Loan Was Transferred From XXXX XXXX , XXXX to XXXX Master Participation Trust and then from the Trust to U.S.Bank Trust, N.A. as Trustee for XXXX ( see enclosed ). I am also enclosing a letter from US Bank giving XXXX XXXX the Authority to dispose of these matters as it concerns XXXX XXXX XXXX XXXX XXXX, NC XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Debt collection (Payday loan) with Western-Shamrock Corporation (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is a balance of XXXX on my credit report from Western Shamrock. I have filed several complaints requesting proof I owe this debt. The only letter i received was offering me a settlement on a debt that is not mine and can not be validated. I will file a civil lawsuit if I must against this company to protect my rights. I want proof this is my debt. Something showing where I signed for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2018 about Debt collection (Credit card debt) with TD BANK US HOLDING COMPANY (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This is not my account. If there are no proof of signatures then I am requesting for this account to be removed from XXXX, XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Incorrect information on your report

Complaint: I was considering a loan modification with Ocwen Loan Servicing. Once receiving the terms of the proposed loan modification, I decided not to go forward and declined the modification. During the 4 month time frame that Ocwen was working on the terms of the modification I made my regular payments to them on time each month as shown in my payment history. They advised this as it would ensure I continued to meet my contractual obligations. Nevertheless, Ocwen has been reporting me as delinquent to the credit bureaus. I asked them about correcting this multiple times. However, it has still not been corrected. And they continue to report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Other fee

Complaint: Hello, I would like to report American Express for breaking a Reg Z violation as they charged my credit card {$190.00} annual fee, while I was only given a credit line of {$1100.00}. 

They charged me 17 % of my initial credit line, where the regulation states I can only be charged annual fees up to 15 % of my credit line. 

In addition, I am going to assume they would probably fail the 25 % fee cap policy as well, which states that customers are not allowed to be charged fees and minimum interest charges & gt ; 25 % of the credit line. 

Thanks!

Company response to consumer: Closed with non-monetary relief