milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/17/2017 about Debt collection (Medical debt) with Debt Recovery Solutions, LLC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I recently had my credit report pulled and can see that there is a medical debt collection on my report. I was not aware that this was on my report, as I did not receive a letter or a bill for this amount. I called the creditor and spoke to  XXXX  and advised her that I had not ever received a bill for this but was willing to take care of it if it would be removed from my credit report.   She advised me that she would settle for 50 % less of the balanced owed, but if I settled, my credit report would show " settled in full '' with a balance of what was owed, but if I paid the full amount owed, my credit report would show " paid in full '' with  XXXX  balance.     She took my credit card information and when I asked for a " Letter of Deletion '' she then advised that she could only report that it had been paid, and that it would not be deleted.     I do know that it is a violation of the FTC guidelines to tell a customer that they can settle their account but that it will still say " settled in full '' and will still include a remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Credit card () with CITIBANK, N.A. (TN).
Issue: Credit determination

Complaint: declined application for CITI credit card XX/XX/2015..Application ID XXXX. I only recv XXXX. I Only use 3 % of available credit. I have credit score XXXX. I have 100 % on-time pymts. I 've had high bal of & gt ; XXXX $ with a current XXXX balance on a few accts. Cons ; ONLY XXXX YR XXXX. XXXX THAN 2YRS rebuilding credit since Divorce. Please Help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-04-2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: I had a checking and savings account with bank of America for about a year  (   XXXX   ) . My purse and cell phone was stolen which had most of my personal papers and information inside in  XXXX  of   XXXX  . I went to the bank on a Monday morning when they open to tell them about my situation. I did all the paper work and filed a claim and closed that account out. I then again went to the following day to reopen a new account to set my direct deposit for work back up but I was then told that I was not able t due to my account having fraudulent activity. Someone tried to upload fake checks into my account and then tried to take money from my account twice. I again explained to then bank people that my personal belongings were stole. MY Phone which was a  XXXX  did n't have a passcode and also had my bank app and my emails and things on it was stolen as well. I Then talked to the fraud department on the phone and she told me that the phone that uploaded the checks was a  XXXX  which I had a  XXXX . I ask them if they could look at the atm cameras but was told no. So I felt like that was wrong but I  ten  went to   XXXX   XXXX   XXXX   and opened a account with them until one day my account was closed out the blue. I then had to go to   XXXX   XXXX   and ask them what happen and was told that bank of America sent to the consumer agency that my account had fraudulent activity which made me not able to open up a nother bank account with any bank. So the banker at   XXXX   XXXX   helped me fill out the paper and send it to the consumer agency to dispute everything but I still have n't got a reply or anything and its almost been a whole year. I feel that if somone actually comes to the bank to report something on there account due to lost personal info or identity stolen they should take into consideration and help that person instead of blaming them.

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 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovate Managed Holdings, LLC (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I received my credit report from XXXX, which show inaccurate information from company INNOVATE LOAN SERVICING CORP, I have sent letters, and tried calling the companies number provided by XXXX, with no response for 3 months straight trying to contact this company regarding this issue. The original creditor XXXX XXXX XXXX advised another company who sent me a letter showing a different amount owed. Please see this has my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Mortgage (Home equity loan or line of credit (HELOC)) with FCI Lender Services Inc. (DE).
Issue: Trouble during payment process

Complaint: I had a line of credit with XXXX for nine years for XXXX. I paid on time regularly for 9 years but instead of the loan amount going down, it went up yet I paid. 
Then they raised the rate to 9 percent which meant the monthly payments went up by more than XXXX dollars. I also had to pay for my regular mortgage.I begged XXXX to give me a loan mod but after many paperwork and months of correspondence, they sold the loan to a different company and now it is this horrible company called FCI which holds my loan. The original loan was for XXXX. I paid more than XXXX and now I still owe XXXX!!! which is unbelievable. I asked to pay a lump sum but they did not accept any offer. I still owe XXXX on my first mortgage which I have been paying without delay. This is my only asset in life and I don't want to lose it. I have contacted them but they are just dragging their feet. I do not owe them XXXX. Pure and simple. They are just thieves. They have also raised the interest to 10 percent!!! They send me their bills not once a month but three times at a time.

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 10-02-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a Home and Financed it thru XXXX using a FHA Loan. The REP for XXXX told me that once the Value of the Home went up 20 % i could request to have the Morgage Insurance dropped. Shortly after that the Loan was sold to Wells Fargo Bank. In 2012 i contact Wells fargo and asked them to drop the Morgage insurance since the Value of the Home had risen 20 %. 

They sent me a letter that i had to wait at least 5 years for them to drop it. I am paying just over {$300.00} a Month on the Insurance. 
My Current Morgage Ballance is XXXX and the Value of the Home is between XXXX and XXXX. 
.Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I purchased a vehicle in XX/XX/XXXXit was refinanced in XX/XX/XXXX because my paydays changed so they put it on my credit report. Then itXX/XX/XXXX my car was repossessed for late payments so they added that to my credit report as well. I made all of the late payments  and my car was back in my possession. I paid the entire loan off in XX/XX/XXXX and received the title. A year later asked could they remove those two items of my credit report and they refuse to do so. Saying my car was repossessed but i have have the car and title til this day.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: i got a secured card with Citibank and i put {$200.00} down to use it. after a while when i noticed they are charging me couple of dollars service fee even if i am recharging my card on time. 
I decided to close my account with Citicards which i did on XX/XX/2015 after using my {$200.00} prepaid balance and paying the dues {$1.00}. 
Today i received a statement by email for that indicates i still owe {$220.00} which is due on XXXXI called customer service so they gave me XXXX options1. Either pay {$220.00} then they will generate a refund for {$2000.00}. I can pay minimum amount due {$81.00} ( which i am not going to get back ) 3. Or else we will report to credit bureauI was threatened by customer service supervisor if i do n't pay the money. 
I feel like i got rip off by the bank cause i am forced to pay either minimum amount due which i am not going to get back or else i have to pay total due to save my credit history

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 12/16/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not mine all credit card debt was settled in divorce decree. I 've spoke with the original debtor XXXX bank and presented them with court documents. This account originally closed in XXXX by XXXX bank. The account was then sold to midland credit management. After many attempts to get them to acknowledge the court documents and after XXXX bank sent letter saying they closed and sold account XXXX but account was officially closed and placed in XXXX banks internal collection. After 2 years XXXX bank then sells off debt. After speaking with XXXX bank I received both written and email correspondence saying they accept divorce documents that exwife responsible legally for all credit card debt. I have spoken with midland credit management and they refuse to acknowledge court documents. I have resided in state of Washington since XXXX per Washington state law r.c.w. 19.86.020 consumer protection act I supplied the proper paperwork to original debtor and they 've accepted and closed account but since it was sold in XXXX they can only forward their letter to company which now owns the account. I would like midland credit management to close this account and remove it from credit report or face legal litigation here in state of Washington for violations of R.C.W. State law 19.80.020

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2016 about Debt collection (Medical) with WESTERN CONTROL SERVICES, INC. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This was paid over a year ago and have contacted western services and the credit bureaus about this with no results

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SECURITY FINANCE CORP (ID).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: First, when I called Maverick Finance in XXXX Idaho, to make a payment they refused it stating it was n't enough money. Second, After calling me several times a day for weeks I asked them to quit calling and harassing me on 3 separate occasions. Thirdly, they have started coming to my home, yelling at me and demeaning me and demanding money that I do not have. They repeated that any money I could offer was not enough for them. They are bullying me and trying to intimidate me at my home. In my opinion them refusing payment means they do not want my money, they just want to abuse and bully me. I am now scared to answer my door, and my kids going outside for the fear that they might harass my children.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2018 about Credit card or prepaid card (Store credit card) with BARCLAYS BANK DELAWARE (GA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have been a loyal XXXX Customer for many years. I have several devices. I actually have three phones on my cellular account including an XXXX XXXX. Three XXXX ( mine, my mother 's and granddaughter 's ) a XXXX, XXXX watch and XXXX. I have had a XXXX XXXX for several years with a 1 rating at all credit bureaus. However, I just recently, received a letter from XXXX, XXXX 's go to financing company. They informed me that they are reducing my credit line due to " Derogatory Public Record or Collection Filed or Proportion of Balances To Credit Limits Too High on Revolving Accts ''. I checked the reporting agency, which does not have any XXXX XXXX XXXX on my file. As a matter of fact, no company has at this time. 
Reducing my credit limit only serves to make matters worse. It will only make it appear that I am nearer to the credit line with XXXX. I would have rather the company decide to not extend any more credit than to create this issue. This practice should be examined and stopped. I have never been late on this account. I have actually paid several balances early. 
No loyal XXXX customer should be treated like 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 03-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Western-Shamrock Corporation (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Western Shamrock has a credit inquire on my XXXX credit report. I did n't receive a loan from this company.

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 06/14/2015 about Bank account or service (Checking account) with POPULAR BANK (NY).
Issue: Using a debit or ATM card

Complaint: I have a Business Debit card with Banco Popular NA and somehow money was taken out of my account using ATM machines in other areas of NY ( XXXX and XXXX ) for XXXX day totaling about XXXX. I never lost the card I still have it and the bank tells me i might get my money back but as of now no credit. I saw online that after XXXX days I am supposed to be given a CRedit untill the investigation is complete. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Credit reporting () with STERLING INFOSYSTEMS INC (IN).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I was refused a job because of in accurate information put in a background check that was ran on me. It states that i was convicted of a felony when i was not convicted of a felony it was dropped to a misdemeanor. I want this fixed or removed from my background checks immediately and a letter written to the place i am wanting to be hired at stating that a mistake was made and issue resolved. Pleaser and thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Hello : I have recently received a letter stating my loan was transferred to SPS ( and during a previous attempt to satisfy my XX/XX/XXXX payment via XXXX XXXX ). A fixed 20 year term XXXX Mortgage Loan. 
With a new loan Number within SPS of XXXX. 

My due date is the XXXX of each month and a grace period of fifteen days. 
At XXXX I contacted SPS and spoke with a representative, whom stated a payment by phone, online, and or mail will not be applied to the account until the eleventh of the month ( at the earliest ). Claiming our account information has not fully uploaded from XXXX XXXX to SPS, therefore any attempts to set up online, or a payment by phone is not an option. 
And if a payment is received, it will not be applied to the account until XX/XX/XXXX. 

Here are my concerns : We will continue to accrue daily interest, due to SPS not having the capability to upload any mortgage information, until the eleventh ( transfer date occurred on XXXX XXXX, 2016 ). 
When the representative was confronted of my concern, she responded by stating, SPS was in compliance of RESPA. 
QUESTIONS : Does the correspondence, advise the borrower of the delay to apply credit to the loan, ( I have read the correspondence and saw no verbiage )? 
Why would your system take eleven days to upload from XXXX to SPS? 
If there are system limitations, do you feel you have the opportunity to upload mortgage loan in increments? 
Is SPS in compliance of REG Z ( Are you back dating payments? ). 
What does RESPA have to do with the transfer of my loan? 

Overall, I feel this appears to be unfair and deceptive practices. 

As stated earlier, I am concerned due to SPS not having my loan information immediately after transferring the loan, I am negatively impacted with accrued interest. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I opened a checking account with Citi in XXXX 2015. The promotion was that after I spent {$1000.00} and did two bill pays within 60 days I would get XXXX XXXX XXXX miles from Citi. I did both quickly and Citi refused to award me my miles saying I did the wrong kind of bill pay. They granted me an extension to make additional bill pays which I met XX/XX/XXXX, they still refused to award me my miles. I opened a complaint with Citi which took approximately 7 phone calls to resolve because the department that files the complaint was n't working to resolve the issue. I just heard from Citi that they denied my complaint because I did n't spend the requisite amount of money on the card.

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 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.

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 02/17/2016 about Consumer Loan (Installment loan) with Enova International, Inc. (VA).
Issue: Taking out the loan or lease

Complaint: Net Credit contacted me via email back in 2013, I believe, in response to an online lending application made through XXXX XXXX. I needed the money to offset additional college expenses for my daughter, so I accepted the loan offer and paid this loan on time without default at any point with an interest of 160 %. During the initial conversation and on a subsequent loan offer, they advised they were licensed to offer loan products in Virginia. I agreed to the second loan terms, secured by my checking account with a 160 % interest in XX/XX/XXXX. Shortly, thereafter, I began receiving work and personal calls indicating I owed a payday lender and they were going to have me arrested. It was not until XX/XX/XXXX that I learned XXXX XXXX was a payday lender as they identified their loan as an installment loan. I did n't owe anybody so I chalked it up as a scam call. In XXXX, I was notified by the IRS that someone had filed a fraudulent tax return in my name. During the investigation of identify theft, it was learned that Net Credit, XXXX, and XXXX online lenders were possibly linked to a nationwide scam group and identity theft. I was advised to contact the Commonwealth 's Bureau of Financial XXXX to learn if either of these companies were licensed and/or registered to do business in the Commonwealth. In XX/XX/XXXX, I was notified that none of these companies were legal in Virginia and their practices were fraudulent and violated federal and state laws, including usury laws. In addition, the Office of the Attorney General and the SCC advised that online lenders are illegal in the XXXX of Virginia. These lenders were notified immediately to cease and desist all transactions against my checking account and remove any reporting to any and all credit bureaus. They have continued to harass through multiple daily phone calls, emails, and most damaging, the reporting of these loans as valid and past due on my credit reports. I am seeking to have these accounts removed from the credit bureaus immediately.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (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 had an account with XXXX XXXX I paid the account off and at no point was it charged off. I believe there was some type internal error that they coded the account to be a pay balance each month instead of monthly. Whatever the case it never was charged off. This is have a huge impact and I really need your help.

Company response to consumer: Closed with explanation