milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/17/2017 about Credit card () with DISCOVER BANK (VA).
Issue: Billing disputes

Complaint: Here is the timeline of issues : XX/XX/2016- I signed a contract and placed a deposit with a company for a metal building for XXXX with an anticipated delivery date of XX/XX/2016. After that the building company was in contact with me and I started to get very suspicious of their business practices especially considering the high pressure sales tactics they used. I was advised that we could change the building at any time since I wanted to use it to build a primary residence and that no work would be done by their engineering group until we had agreed to the final design. Later I had a discussion with the merchant about possible downsizing the building and making it a garage, and then a few days later I received a packet of engineered drawings of a building that was similar to my original contract but not the same and obviously a boilerplate drawing. I followed up with the engineering company and the merchant and let them know that I did not authorize this and the drawings were not correct. I also was told that it was fine and not to worry as I could make changes any time. 

Later in XX/XX/XXXX I contacted the merchant to ask about cancellation and was told there were no refunds but I could downsize. I also contacted Discover to ask about their dispute policy as I was worried my window as coming up and was assured that they have a XXXX year dispute window and not to worry. Finally as I was learning more and more about this company I decided that I did not want to give them any more of my money and would like a refund so I called Discover to explain the situation and pursue a dispute based on the fact that the goods and services delivered were not was was contracted, the contract was illegal, and the work was never authorized. 

Discover sent the charge to dispute through the XXXX who allowed a XXXX day response window. THe merchant did not respond within the XXXX days nor were they able to provide anything in writing that showed I had authorized these drawings. Despite being outside of the window, not having anything in writing from the merchant showing my authorization, and an illegal contract by the merchant, discover still sided with the merchant. I sent them communications I had where I discussed that these plans were not authorized and showed them discrepancies in the contract but they still sided with the merchant. I explained that the merchant did not include the requisite 3 day rescission window and also pointed out that my dispute date of XX/XX/XXXX was within the timeframe of the anticipated delivery date on the contract. I then pointed out that I received incorrect information from Discover in XX/XX/XXXX that led me to believe I had a XXXX year window of protection. Despite all of these facts, and no documentation from the merchant that I authorized these drawings, Discover still found against me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2017 about Debt collection (Credit card debt) with Atlantic Credit & Finance, Inc. (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company is continually calling my office : Atlantic Credit & Finance , Inc . XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXXXXXXXXXX If I am ever going to have a chance to pay off debt, I need this job. I need to have this stop immediately, can you please help before I get fired.

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 10/20/2017 about Payday loan, title loan, or personal loan (Payday loan) with Kashia Services (WA).
Issue: Problem with the payoff process at the end of the loan

Complaint: I applied for a loan with XXXX XXXX XXXX for the amount of {$400.00} and the entire loan balance was {$570.00}. I already made 3 payments of {$130.00} which came to the amount of {$410.00}. when I called to check in when the remaining balance was and if it was my last payment the operators told me that I still owe over {$500.00} so I am paying off more than I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I 'm receivin g 5-7 calls per day from Synchrony Bank concerning my Lowes c redit card. I pay them what I can but with a {$38.00} late fee, Its hard to get caught up. I told them my wife had been out of work unexpectedly for  XXXX  so we are down to  XXXX  income.  I   XXXX   XXXX   XXXX    and they call me all day 7 days per week. I ca n't talk on the phone while   XXXX   per company policy. I DO consider this amount of calls harassment. It 's ridiculous. If I do n't have the money at  XXXX , I 'm not going to have it at  XXXX . They wake me up on my one day off and I 'm to the point that I do n't care what they do. I 've had good credit my whole life but I 'm about to give up. My  Lowes  bill is not going to come before my family eating. I live pay check to pay check. I wish I could do more but I ca n't right now.    PLEASE HELP   XXXX   XXXX   XXXX   XXXX  XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05-04-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (ME).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage company went from XXXX to XXXX XXXX XXXX to Green tree and has been nothing but Inconsistent communication. As I have tried to establish some form of reasonable payment I have been tossed around like trash. If I was given different deadlines and always tried to reach them, leaving messages asked for a return call. It never happened. My payments were anywhere from XXXX down to XXXX and XXXX with ARM of XXXX % interest. This has been all over the place from the start, My home has been underwater for some time now, My husband and I have even walked from the home after filling Bankrupsy back in XXXX and returned after a year and half when given false hope the bank would work with us, not to mention the company that they had monitoring our home when we left, appeared to have taken all the copper piping. When Green Tree sends you paperwork, often you will recieve several copies from basic mail, XXXX, Certified. With messages to call, or will have unidentified people walking around your house snapping pictures and leaving notes on your door to URGENT! call Green Tree, and when you do, end up leaving messages with no return. I do n't want to loose my home, but this company is not really there to help. This process has taken my trust, my money, my serenity, with no desire to help ones that need it most.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2017 about Debt collection (Credit card debt) with Alliance Data Card Services (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: In the early part of this past summer we were having trouble with our local mail delivery so my wife called XXXX XXXX XXXX ( XXXX XXXX ) to ask what I owed since I did n't receive a bill. She was first advised that she was only an authorized user on our card and they would n't give her the amount owed. She explained phone call after phone call that all she wanted was the amount owed so we could do the right thing and pay for the items we purchased and finally, on XX/XX/XXXX, someone was willing to give her the information needed. She asked then very specifically and clearly for the total amount owed to XXXX XXXX on XX/XX/XXXX, was advised {$140.00}, and paid them over the phone with our checking account that full amount due. The company went out of business and the card was closed so it is not like they can say we owed more after that because of subsequent charges. Yet they instead sent yet another bill with more finance charges and late fees based on fees they claim they had n't billed us for. My wife called them last month and was advised this would be resolved and was promised a phonecall back but of course that did n't happen and we are once again receiving bills for late fees/finance charges they just keep piling on month after month for no reason. My wife called them today and was first advised that these bills would just continue as they did n't agree with my " dispute '' and when she called back to speak to them again they have reverted back to " we ca n't speak to you because you 're not the primary cardholder '' ( same XXXX. that started this whole mess back in XX/XX/XXXX when she called over and over again just to find out how much was owed so I could PAY them. ) I did the right thing pursuing paying a bill the USPS never delivered, gave the respect to XXXX XXXX it did not deserve by paying what I owed for purchases made by myself and my wife as advised by them ( XXXX ) and have had nothing but aggravation and unfair treatment from them. I am struggling to keep my head above water and do not need or deserve to have bogus charges/fees count against me on my credit history because of unfair credit card practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-10-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Citibank has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 04/21/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I co-signed for my daughter student loan a few years ago, now Navient XXXX XXXX ( not sure what company this is ) continue calling me after I told them not to call several times, they use different phone numbers, unlisted name etc. I informed them I will file a complaint and donot call. My daughter is still in school working on her XXXX. and I am sure she will make arrangements once she is done

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Medical debt) with Harvard Collections, LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This debt has already been previously disputed and deleted from my credit report. This company continues to sell this debt to other companies. 

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt  collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). 
XXXX XXXX bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have a Capital one account on my credit showing as open and with a collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Student loan (Private student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Need a release form for a cosigner, was informed that a late payment ( due to miscommunication ) nullified my eligibility, but with regular payments for six months I would requalify. Did this with auto withdrawal, tried again only to get sent to a page with the form that could not be downloaded. Got no response when I followed up. Tried a few more times before I gave up.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am one of the 100 million plus Americans whose SSN and other information was stolen in the breach of Equifax. I need information on my next steps to protect myself and my family

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax did not take the necessary steps to safeguard my information, as well as the information of many others. Their recent security breach ( announced XXXX XXXX 2017 even though they were aware in XXXX 2017 ) is unacceptable for an organization that freely collects as much personal data as it does without the consent of the people it is collecting on. My only course of action here is to put a fraud alert on my social security number for the next 90 days and hope that my stolen social security number wo n't be used in the future to steal my identity. I do not wish to utilize the proposed Equifax credit monitoring services because it waives your right to be involved in a class action lawsuits against them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CO).
Issue: Application, originator, mortgage broker

Complaint: I received a letter dated XX/XX/XXXX from Nationstar that were declined HAMP Tier 1 stating Property not owner occupied and HAMP II stating that ineligible mortgage. Standard Modification - Declined reason was ineligible borrower - XXXX or more rental properties or borrower is not natural person. 
Under the Tier II, HAMP is available for a " rental property '' which id defined as property that is used by the borrower for the rental purposes only and not occupied by the borrower. The reason Tier II " ineligible mortgage '' and the following were listed as reason as to why the loan did not meet " your mortgage loan was originated after XXXX. That was wrong. The mortgage for the property loacated at XXXX XXXX XXXX XXXX, XXXX NV XXXX originated on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Vehicle loan or lease (Loan) with Innovate Managed Holdings, LLC (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Innovate  XXXX   XXXX   ( fo rmerly  XXXX   XXXX   ) h ave erroneously reported  XXXX  and 60 day lates on my credit report. I have called to inquire about payments made and some of the payments made were not recorded in the system causing me to make double payments in the same month. In addition I have called and requested copies of the payment history for my account 4 times over the last 2 months and have not received it. I 've spoke  to 3 different representatives who say they have processed my request but I have yet to received copies of my payment history in order to verify it against my payment records. Also, they claimed they did not have my correct address in the system but they were mailing statements to my correct address. When I 've asked to speak to a manager the rep resentatives are rude and not helpful

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: 2 Citicards. Did not receive XX/XX/XXXX or XX/XX/XXXX statement by email for 1 and when I rec 'd XX/XX/XXXX statement I saw interest and late fees. Did a search of spam etc for my gmail and there was no record of the statements being received. I have been their customer for 23 years and always pay my full balance on time. After arguing with several people who told me they would not remove the fees, I sent a letter. Then I received a phone call saying they would remove the fees. I made sure to change paperless billing to receive a bill in the mail for both of my citicard accts. 
So I was satisfied but suspicious. I could have deleted 1 email by mistake but not 2.

Today I received an email stating that my other citicard pmt was delinquent. Same story, only this time only 1 statement was n't received. And this acct had supposedly been changed to paper statement. I called and the fees and interest were removed. 
My concern is that they do n't make much money off people like me because I always pay in full and on time. So I think they are sending late notices when the consumer has n't received a statement, claiming the email was n't 'bounced back '' so I must have received it. I do n't see how this could have happened with 2 cards, me missing 3 emails. It 's just not possible. There is nothing more I 'm asking from Citicards but I want you to be aware in case you get any other complaints. In light of what XXXX XXXX pulled, I would n't put it past them. 
Thank you. XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: XXXX, had a " system error '' and request that I contact XXXX with no other recourse. 
and Equifax simply refuse to use the information provided, despite my verifying them, requesting instead for me to send by mail ALL my personal details, this is the second year they have done this, I let it slide in XXXX, I will not let it slide in XXXX, I think they are a corrupt organization trying to get me to pay for the information that they are supposed to provide free. I am not asking for credit score, I am requesting a document that by LAW I must receive. please investigate Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: deposited business check from a client Wed  XXXX   XXXX ,   XXXX   to our business checking account.  Deposit  slip said funds available Thur  XXXX   XXXX ,   XXXX  .   Friday  XXXX   XXXX , amount not cleared in our account, and they drew money from our business savings which did not cover the amount of insufficient funds, we had a negative balance.   Went to the bank, they said our bank  ( Wells Fargo )  had a hold on the check because there were not sufficient funds in the account it was drawn on  (   XXXX   ) . I called client, she called her bank, her bank mgr said the funds cleared Wed  XXXX   XXXX . Funds were out of that account. She also has an overdraft on that account which would have covered the amount.   We went bac k to Wells Fargo, an d they can only insist that the funds are not available, yet they were taken out of the  XXXX  account 2 days ago.   So where is this money?

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 07/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Citicards refuses to delete unverified and inaccurate information on my credit report. I have disputed this account information as inaccurate with them several times, and they have come back to me and stated they were able to verify this debt. How is this possible?
Here is a clear case of unverified debt, and I urge you to remove this item before I am forced to take legal action.
Credit card companies are scammers targeting elders like myself that they perceive to be vulnerable -- those that are isolated, lonely, physically or mentally disabled, unfamiliar with handling their own finances.
Exploiting deceptive financial practices designed to confuse and pressure seniors in order to hustle them out of money.
FCRA requires that all creditors are supposed to validate information before this information is added to your credit file.
The truth of the matter is the credit companies dont review any documents let alone keep a copy of your credit application in their files.
Citicards never provided me with any documents validating this account.
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation