milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-12-2017 about Student loan (Private student loan) with CITIBANK, N.A. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Effective   XXXX    , my  Citibank Assist stu dent loan was transferred to  XXXX   XXXX . When I received my   XXXX   statement, my standard monthly payment had increased from {$17.00} with  Citibank to  {$50.00} with  XXXX . on  XX/XX/XXXX   , I inquired with  XXXX  as to why I was seeing such a significant increase in payment. On  X/XX/17   , I finally received an email response from  XXXX  at  XXXX  Customer Service advising me tha t Citibank has a {$ 50.00} payment minimum. At my prior servicer, they allowed payment to be decreased if I had other loans.  Citibank has  instructed  XXXX  to reimplement the {$50.00} minimum payment.     I do not recall receiving any notification regarding this change in business practice. In the past I had  two Citibank student loans, one of  which was sold to  XXXX  some years ago for servicing. I have always maintained payments under {$50.00} on both of these accounts. The  XXXX  loan is the higher payment loan and was not included in this change of servicer so I continue to maintain a {$33.00} payment with them. I feel this change is payment is forcing me to pay off my loa n 4-5x fa ster than the period of time I am allowed to make payment. I understand this practice will pay down principal and in the end I will pay less in interest, however this is a significant change to my payment that I now must budget for along with my federal student loans.     Can you advise if setting a minimum payment requirement such as this is allowed even if my calculated standard monthly payment was significantly less for the past 9 years?

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 08/29/2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was checking my credit report and came across this collection on my credit. I was not notified or given the right to dispute the balance ... The last balance was XXXX and they are reporting XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Debt collection (Federal student loan) with Constar Financial Services, LLC (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This complaint is about Constar Financial Services. XXXX is the debt collector person. 

Hi. I have never done this but I am fed up with the student loan harassment. Because sometimes they cant contact me, they have contacted people who I know. But the worst thing is that they contact my father who is a sick person and has XXXX XXXX XXXX. 
What gave me more anger was that a couple of months ago my father was XXXX and the student debt collector person called him. My father told him that he was in the hospital and he could not talk but that person insisted in making questions.! He called him the other day knowing my father was XXXX the day before to harassign him again. He tell my father that how can he have a house or bills if he cant pay. He calls with different phone numbers, he contacts him even when he is working, he wants to call my father every step he makes, he is like a shadow! I am fed up with this!!

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 05-04-2016 about Mortgage (FHA mortgage) with PARAMOUNT RESIDENTIAL MORTGAGE GROUP (KY).
Issue: Loan servicing, payments, escrow account

Complaint: Payment was made via autodeduct from my checking account for the amount due on my mortgage escrow account on XXXX XXXX 2016. Since then the mortgage service company ( Paramount Residential Mortgage Group ) has been calling, demanding an additional payment for XXXX. When I discussed this matter, the respresentitive said they will not investigate the payment, and my bank says it 's difficult to provide proof since the auto deduct was completed by PRMG. Now I have an outstanding balance, and fear my credit will be effected.

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 01/25/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XX/XX/2016 I have been receiving several call a day from a debt collection agency by the name of Midland Credit Management. The first call was answered by my step-father. This company claimed to be working with XXXX XXXX and that I had an account in collections in excess of XXXX USD. According to my step-father, the representative attempted to solicit the amount from him. My step-father, not trusting this caller stated, " I do n't have any money to give to you. '' which was then met with a reply that for an amount of XXXX USD they would pull the account out of collections. After a second refusal the call was ended. Several calls later, I personally answered and the same information was repeated that they work with XXXX XXXX and that I had a debt to pay. I notified them several times that this is false information and that I would be contacting XXXX XXXX. After calling XXXX XXXX 's fraud department I was told by their representative that midland is not associated with them. This did not seem to dissuade Midland as several more calls followed. The final call being today, XXXX XXXX, 2016. Again After several attempts to notify this company that this account does not belong to me and that if these phone calls continue, legal recourse would be taken, I was told that I would be taken off of their call list. If a company can not keep accurate records of their debts and attempts several times to collect debts from persons unrelated to these accounts, There should be some sort recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Credit Reporting Agencies is reporting inaccurate information on my credit report. Credit Reporting Agencies has XXXX XXXX XXXXXXXX account listed as being opened XX/XX/XXXX, when in fact i never open an account with XXXX XXXX XXXX on XX/XX/XXXX. I have presented evidence to Credit Reporting Agencies showing the XXXX XXXX XXXXXXXX account has errors, and Credit Reporting Agencies has  ignored facts presented. Credit Reporting Agencies also list XXXX XXXX XXXXXXXX as a creditor when i have presented proof from XXXX XXXX XXXXXXXX stating, XXXX XXXX  XXXX is a creditor.

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 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ID Analytics, Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I would like to request a security freeze be on my XXXX XXXX report. I choice to opt out of your disclosing future information until further notice including the XXXX XXXX report and other furnished XXXX XXXX regrading all personal information of mine.This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply.

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 01/30/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: On XX/XX/ I submitted my recertification for my IDR. I never received an email or any notification that it was accepted or denied. Around late XX/XX/XXXXI received an email from XXXX XXXX that I have a payment due for XXXX. I called to find out that they never received recert. I verified email that it was sent to and it was correct. The customer rep then assisted to walk me through to upload my info through my account resubmitting again. Due date was close so I was forced to put my payment in forbearance. After being assured they received it this time I waited. XXXX I received another letter stating I was denied not eligible for XXXX, keep in my mind my family has not changed and my income did not change so why? I was told that my family size had changed and that I did not submit my husbands income.??? My ex- husband?! Who does not live with me. He was not even on my last IDR or the one before that! I was told they would resubmit to correct the error and was transferred to Forgiveness program unit to find out if due to error could I receive it as credit to my forgiveness. I was told I had to leave my acount in a 30 day default during investigation. No one contacted me so I called back to be told that my ticket is still open after 15 days. I was also told by the third rep that submitting through email is no longer excepted as of XX/XX/ which was way before I submitted, so why did that rep tell me to process it that way and the second did not say thatnas well. He also told me that I need to resubmit a new IDR because the last one I submitted has expired. Of all the years I have never experienced such delays. I just want my life to resume. To be left alone. I am doing my part and making my payments or what is owed to me as credit for finding a job and working hard. It not fair this company is dragging me through this.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Debt collection (Medical debt) with National Business Factors (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: charging 10 % compounded daily on all debt received ; have stated this is worse than student loans. Another account has gone to them and they have already starting accruing interest as of sending out the letter stating that they now hold the account. business is national business factors ; collecting on behalf of XXXX XXXX hospital XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Deposits and withdrawals

Complaint: I had several fraudulent charges that appeared on my account. I had made several appointments with XXXX local banking centers to resolve the issues. The banking center were a party to the delays in reporting the claims and as a result my account accrued additional fees and surcharges. 
Examples of the fraudulent charges : Major retailer charges without the store number associated, multiple charges on the same day containing the same transaction number for various amounts, charges at local gas stations for XXXX and XXXX my normal charges, Schedule rollovers being delayed, Transactions where the major city and state do not match, holds being placed on my account for ghost transactions, my account being charges a fee for reporting fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: overcharged interest rates on my mortgage loan by cfpb greentree servicing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Debt collection (I do not know) with American Recovery Service Incorporated (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This debt collector American Recovery Service Incorporated XXXX XXXX XXXX has been harassing, demonizing, stalking and threatening me for years. It appears that they are part of a criminal racket which is money laundering for drug cartels. i : have indicated to XXXX that i : never borrowed any monies from whoever they claim that i : borrowed money from. In fact, recently, i : did an investigation and found out that my identity has been stolen. When i : saw that there are XXXX different types of my name XXXX not a single XXXX being correct ] has been used with my SSN to economically damage me, i : reported that to police and to FTC. i : also send several debt validation and verification to these people or their co parties agent XXXX XXXX ) principle XXXX XXXX ). They never ever validated nor verified the alleged debt. Moreover, i : have demanded that these debt XXXX to send me their particulars to wit : XXXX License, XXXX, XXXX XXXX and XXXX XXXX so that i : can mitigate my economic losses that they continue to cause me, i : want to be able to make several claims against their particulars, Id but they are concealing those in criminal violation of XXXX XXXX XXXX XXXX Concealment ] while they continue to unlawfully damage me and my family. Please have these criminals stay away from me and my family, as far as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-04-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a debt validation letter to LVNV Funding on XXXX XXXX, 2015 and they failed to validate my debt within 30 days of sending the notice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My mother XXXX XXXX in 2016, and we have found that several credit cards were opened in my name DOB and SS number. I have been trying to get these cards taken off my credit report for identity theft with no success. I have sent an ID theft affidavit to them as well as other companies. Several companies have closed the account and taken off of my report.

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 04/26/2016 about Debt collection (Payday loan) with National Arbitration Forum (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I was contacted by an Investigator XXXX of the XXXX working with the XXXX County Sheriff 's Dept trying to find me to deliver a court summons for fraud and they left a phone number for the company that was trying to reach me, not to reach the investigator. I contacted the company XXXX XXXX XXXX XXXX ) and they said I have a pay day loan outstanding that went fraudulent back in 2013. I had an ex boyfriend who was using my information to get pay day loans before so I figured this was just another one. I 'm trying to fix my credit so I just pay them when they come up now. But they wanted my bank/credit card information. I said I 'd rather get a pre-paid card and give them that information for payments. I called back and gave her the prepaid card information and she sent me an email with the break down of the payment arrangements I 'd made. It was then that I realized a couple of things. It is illegal for a debt collector to collect, or attempt to collect, on a payday loan in New York State. Also, she sent me a generic word document as the payment arrangement document. Also, the email address she sent the payment arrangement from is a gmail account. Most companies do n't use gmail accounts. Also, I looked up the company name and it has been reported by other people online for being a scam/fraudulent. I have her email and I have payments set up to be made but no payments were ever actually made to the company.

Company response to consumer: Untimely response
Consumer complaint received 05/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Continental Finance Company, LLC (AL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have tried numerous times to resolve an issue with my account owned by  Continental Finance  in regards to there subprime  XXXX  credit card. I closed the account in  XXXX  of   XXXX   after my finances too a hit and I was no longer able to pay for the credit card bill. At the time I informed the representative I was unable to make the payment at the time and asked would that be the balance owed on the card that I could pay at a later date. I was informed YES.  W  ell Continental Finance co ntinued to charge me interest, late fees, added an overlimit fee and then charged the card off.     Now we come to me sending a money order to pay the account off. I was informed the money order was never cashed, please reference CFPB case #  XXXX . I then talked to a representative that advised me to do a payment plan which I never agreed to. I never received anything in the mail in reference to the payment plan either. Subsequently, I call  XXXX  again to get an update. I still got the run around.     So, I call the company back again. The account had a {$0.00} balance which at that time nothing could be worked out because of that. The issue was corrected an now I 'm back to square one. They are constantly reporting a charge off each month since  XXXX  damaging my  credit score , they have charged me an excess of fees that I should have never been charged for. I also paid {$50.00} to get the card as a deposit which was n't applied to the balance when I closed the card, in addition the credit card insurance that i paid for every month was never put into affect after my loss of income. They will not validate the debt with statements and I can never get anybody to call me back to work out some type of agreement. Please help, I do n't know what else to do.

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 06/22/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I faxed a ID theft affidavit with a police report to Equifax claiming that I have no recollection of XXXX trade-lines that appear on my credit file. Equifax did not provide any information to confirm that they followed the procedures to conduct a reasonable investigation, specifically in a case involving ID theft, nor did they forwarded the documentation in this case to XXXX or XXXX. I am demanding that this Credit Reporting Agency follows the procedures as per the FCRA to assure that the information on my credit file is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Debt collection (Private student loan debt) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The XXXX company contacted me at my job and made repeated calls from XXXX - XXXX on a two hour cycle. The phone calls began XXXX XXXX, XXXX and are still occurring today. XXXX calls my office phone literally every two hours every day averaging six calls within one day and they do this Monday - Friday. I asked them not to contact me at work but to use my cell phone number that they have on file and on record and they never honored this request, which means I can not make payment arrangements because I am not in a position to discuss my financial affairs at work. In addition, I never received a written letter that FAMS now had the account that was originally at XXXX and I already had a payment plan/arrangement established with that company. Had I received a written letter I would have contacted XXXX and made arrangements. I still have not received a written letter outlining who I should call, the company details and how much I supposed owe. I was never notified in writing or otherwise that the account was no longer with XXXX. XXXX never had my work phone number they always contacted me via my cell phone number on file.

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 01/26/2017 about Consumer Loan (Installment loan) with AmeriCash Holding LLC (MO).
Issue: Problems when you are unable to pay

Complaint: AMERICASH LOANS SAYS THEY HAVE STOPPED CALLING MY WORK PER CASE # XXXX. THIS IS A LIE BECAUSE THEY CALLED MY WORK AGAIN TODAY, CAUSING ME EMBARRASSMENT FOR THE 5TH TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
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: My name is XXXX XXXX, and I checked my credit report via XXXX XXXX. Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX was removed from my credit report. I filed a dispute with Equifax on their website, and between XX/XX/XXXX and XX/XX/XXXX, they added the remark " charge off account '' to my credit report. Since Equifax did not notify me within five business days saying they were removing the account and then adding the account back on, I expect this account to be removed. The Fair Credit Reporting Act says that I as the consumer must be told if the information in my file has been used against me. Since I was not notified that this account was going to be added back on my credit report, I would like it permanently removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with HUNTINGTON NATIONAL BANK, THE (OH).
Issue: Improper use of your report

Complaint: On XXXX XXXX I applied for a home-equity line of credit with Huntington bank. They did one hard inquiry on my XXXX score which was expected but the next day XXXX XXXX they did another one I asked the guy why and he said he had no idea why it pulled twice and was not helpful at all with trying to figure out why. then again XXXX XXXX they pulled it again without my permission and they did not tell me that they were going to do that. if I knew that they were going to pull my credit three times I wouldve never gotten the credit line in the first place. The loan officer from Huntington did not seem to care. I called XXXX and they said Huntington needed to send over some form stating that they didnt mean to pull it that many times I told Huntington about it and the loan officer said that he doesnt know what Im talking about and never had to do that before and that hard inquiries arent a big deal. This isnt right and I just want the 2 removed. Like I said one was expected but two additional ones without my permission is not right.

Company response to consumer: Closed with explanation