milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has inaccurately reported to the credit agencies on a Real Estate Loan Account. It is inaccurate in 2 parts of the report. 
1. XXXX has been incorrectly reporting 120 days late from XXXX XXXX XXXX XXXX. 
a. I was relieved of all liability of this loan when property was foreclosed XXXX XXXX. 
b. XXXX XXXX, XXXX I requested that this item be changed to show the last date to report as 120 days late to be XXXX XXXX. 
2. XXXX has been incorrectly reporting loan closed / terminated as of XXXX XXXX, XXXX. 
a. I was relieved of all liability of this loan when property was foreclosed XXXX XXXX. 
b. XXXX XXXX, XXXX I requested that this item be changed to show the loan closed / terminated as of XXXX XXXX. 
3. XXXX XXXX, XXXX, XXXX XXXX XXXX sent me an Escrow account statement letter detailing fund distribution from XXXX XXXX - XXXX XXXX in the amount of {$13000.00} and funds received of {$2200.00}. 
a. This property was foreclosed in XXXX XXXX b. I did not make any payments to XXXX XXXX XXXX, ever. 
c. When I called to get more information, they claimed I am in bankruptcy and they can not discuss my account without my attorney present. 
* I have never nor am in the process of filing bankruptcy. 
* My attorney did not file nor address bankruptcy in any call, letter or document when attempting to contact XXXX XXXX XXXX on my behalf. 
d. The representative at XXXX said they would contact my attorney and get back to me. I have not heard back in over a week. 

Prior to the XXXX XXXX letter, I have made multiple attempts to have this inaccurate information corrected by XXXX XXXX XXXX since XXXX XXXX, with no resolution. I have furthermore sent the same letter and supporting documentation to the 3 credit bureaus in a dispute. Only XXXX and XXXX  have corrected their reports, although Experian acknowledged the dispute, it has not made any correction. I have also enlisted the help of an attorney to have this corrected and he has not been able to gain any response from 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 non-monetary relief
Consumer complaint received 03-04-2016 about Credit card () with BBVA COMPASS FINANCIAL CORPORATION (NV).
Issue: Closing/Cancelling account

Complaint: On XXXX/XXXX/16 I applied online for the BBVA Compass XXXX XXXX XXXX XXXX. I was instantly approved with the Slam Dunk message. The following week I received a letter stating that my account was closed and that if I wanted to know the reason why to contact them. I called the number listed on the letter and spoke with a rep who told me that they thought my account was closed because they thought it was a fraudulent application. I told her it was n't a fraudulent application and asked if I could verify my info or what else could I do? I also asked why no one contacted me to verify my information. She said she did n't know and suggested I " check my reports '' I have monitoring with XXXX ( who they pulled ) and XXXX monitoring. I check my reports regularly and also am notified of any activity on any of my reports. I have lived at the same address and had the same phone number for over 5 years. I have never had any fraudulent activity on any of my reports. I have never had any fraudulent accounts opened in my name. I have never even froze my reports. There is no reason that it should have been considered fraudulent. She said that she could not help me with my questions and gave me the number for the " fraud '' dept. I called that number and it ended up being disputes. They told me the same thing as the first rep, and transferred me to the actual fraud dept who again told me the same as the first rep that they think it is a fraudulent application and to check my reports. I told him that I am me and it is not fraudulent, what can I do? He also could not give me any information and transferred me to a supervisor. The supervisor also could not help me and wanted to transfer me back to customer service ( where I started ). She put me on hold and then came back and said that customer service could not help me either. I have checked all XXXX credit reports and everything is correct. There is no fraudulent activity and all my info is correct and up to date. There are no discrepancies. BBVA Compass is becoming known for closing accounts without cause. They use " fraud '' as a reason but can not give any info. A quick google search shows this has happened to many people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-07-2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Hi There, I signed up for a Citigold checking & savings account promotion, where if one fulfilled the requirements of a promotion, you would receive as stated by Citi, XXXX XXXX American Aadvantage miles credited to your account, at the least 3 months after the statement in which you complete the requirements. I contacted Citigold multiple times after completing the requirements so that they could confirm that I in fact completed the requirements. They confirmed over the phone I had in fact successfully completed all the requirements, and put notes on my account. Not satisfied having still now received the miles now time after the last possible day in which they were supposed to credit it, I engaged with them in secure chat, where once again they confirmed that I had in fact successfully completed the requirements for the Citigold XXXX AA miles bonus as agreed upon in their promotion contract. I have screenshots and printouts of the secure chat as proof. However after still promising to credit the miles in a couple days, it 's now been months since the final day they should have credited the account and I still have n't received the bonus they promised as part of successfully completing the miles. 

They have violated their agreement, and are cheating consumers in promising and confirming successfully attaining their promotion, yet falsely promising as they deny actually giving out the miles

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 12-07-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Nationwide Biweekly Administration, Inc. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: I signed up for a third-party bi-weekly mortgage payment service that withdrew funds from my bank account and made my monthly mortgage payments to my lenders. This was done through a company called National Bi-Weekly Administration in Ohio. They made the withdrawls and payments as promised. I recently received noticed from them that they would temporarily have to suspend the withdrawls and payments due to an issue with their bank. I then found out that the CFPB was investigating them and made bi-weekly payment arrangements directly through my mortgage lender. When I went online to close my account with National Bi-Weekly, I was directed to a page that told me I would have to do that by phone. I have been calling the number posted ( XXXX ) daily since XXXX XXXX and keep getting a recording saying that they are experiencing technical difficulties to try back the following business day. I just want to close my account with National Bi-Weekly and can not.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2016 about Payday loan () with Risecredit, LLC (GA).
Issue: Charged fees or interest I didn't expect

Complaint: I received a loan of {$3500.00} from Rise Credit 3 months ago during which time the company never advertised the loan as a payday loan. I had an installment agreement and the payments were scheduled to be automatically deducted from my bank account at the end of each month. I began to review my balance on my account after payments and noticed my balance actually increased by the end of each week. I recently contacted a representative at Rise Credit and was informed the " loan '' accrues interest on a daily basis and that a majority of my monthly payments was actually being used to pay accrued interest. In other words, my balance will decrease at a very slow rate over a very long time period. I informed the representative none of this was ever stated to me when I applied for and was approved for the " loan ''. His response was " well this is how a payday loan works ''. I informed him I would have never accepted a loan with a daily accrual of interest. Is this loan legal in the State of Georgia? I am trying to figure out a way I can legally address this loan which is undoubtedly under what is best described as a shark tactic lending process.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In  XXXX  of 2016, there were  XXXX  credit inquiries to my credit report that I did not authorize.
 XXXX / XXXX /2016  XXXX   XXXX    XXXX / XXXX /2016- XXXX   XXXX / XXXX /2016-  XXXX   XXXX    XXXX / XXXX /2016- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I have been TRYING to get a loan modification from Ditech ( current " servicer '' on XXXX loan, originally XXXX ) and worked with XXXX on the application. It was denied without any real explanation, so I spoke to an attorney who said I should still qualify and to XXXX, who ca n't help with appeals. So I wrote to Ditech asking for clarification, and was told that they are complying with XXXX guidelines. I can not find those guidelines and do n't believe Ditech is telling the truth. I have had a huge loss of income and increased indebtedness, which they have not taken into account, and I do n't see how it is possible that with monthly income of {$1100.00} and a mortgage payment of {$750.00} ( without taking into account ANY expenses, including debt service ) that I would NOT qualify. It seems they continue to deny because it is nearly impossible to challenge them on the facts or their compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (OK).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: Around noon of XX/XX/XXXX I received a call at home from Transworld Systems. My phone would not disconnect from them and kept my answering machine on for some time. When I came in the house I heard the sounds of a boiler room, many people talking to others. I could not disconnect from them no matter what I did. I called them from my cell phone, gave them my home phone number, and they asked to speak to XXXX.I know no one named XXXX. They refused to identify themselves as a collection agency and said they did personal business. They disconnected from my home phone while I was talking to them on my cell phone. I told them not to call me again and they said they enter my home phone as a mistake. 
How they rigged the phone to not disconnect is certainly a harassment technique and should be illegal if not. My answering machine has minutes of noise and no message because of this. Transworld Systems is certainly wrong in calling me by mistake and wrong in their abuse of the phone system.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This was the best choice for my situation. I have a complaint against a company called Central Control Finance also know as Syndicated office systems which is a collection agency who collected on a debt of mines which was a medical bill I never received any notice of, not even from the hospital because it was sent to a different address than where I resided. I only found out about the debt when it was placed on my credit report and there was contact information to speak with someone. After speaking with someone I resolved the debt with no problem. I requested for it to be removed from my credit reports because I was never properly contacted by anyone about the debt. They told me I could submit a dispute and I did just that with all proper documentation to prove to them I did not live where they had ( they claim ) sent a notice of the debt. They denied my request even after providing proper evidence. This was about a year ago. I felt like it was unfair that I had to have something on my credit that I did not receive notice for and not given a chance to resolve something as little as {$150.00} that would follow me for 7yrs. I recently reached back out to them to resubmit my dispute because one of the reps there even said that she can see that I was never contacted my phone as well and suggest that I submit my request again by fax which she provided on XXXX XXXX, 2016. It was denied again even with proper documentation. I would like someone to please reach out to them to have this item removed from all XXXX of my credit reports so I can move on in life. I paid them and held myself accountable, so I would like them to hold themselves accountable for not providing me with a notice. After I had this issue I decided to research this company only to find out they had just been involved in a lawsuit because they were not properly notifying consumers of their debts that 's what led me to send this complaint because I figured if they had to be sued, they were not going to be any help to me since they had n't been to others in the past. Thanks for your prompt attention in this matter.

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 02-08-2018 about Debt collection (Medical debt) with Adler Wallach & Associates, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company was assigned a debt by XXXX XXXX XXXX.  In XX/XX/XXXX I received an invoice from XXXX XXXX XXXX. I called them and explained that I did not ask for or agree to storage services. At that time, I was told they just automatically do it, and that since I didn't ask for this service it would be taken care of. I did not hear from them again until XX/XX/XXXX, I received a bill for nearly 4 years of storage that I never agreed to in the first place, and thought I cleared up in XX/XX/XXXX. At that time, the person I spoke with said that she could see my conversation and it would be written off. After this time, I saw a collection agency, XXXX, on my credit report and called them to state that this was not a valid account. They were typically rude and said I needed to pay some $600+ to clear it and refer me back to XXXX. I refused, and stated again that I did not have any account with XXXX.  Again, I didn't hear from these people (XXXX) until XX/XX/XXXX, when I received another statement in the mail. I called furious and they told me I had to pay them over $1200 or they would ruin my credit. Then they told me that they sent me a form in XX/XX/XXXX that I was supposed to sign. I never received any such form and I told them this. I called XXXX and they refer me back to XXXX.  She said she was sending again but that I had to pay or she would ruin my credit and then sent an additional collection to XXXX. Once again I never received any form. I phoned again today, and she agreed to send me this form via email. Now I've received a form for the first time in 10 years and signed a form cancelling a service that I never agreed to in the first place. I've asked both XXXX and XXXX to remove this from my credit for 10 years now. She once again demanded that I pay the money and said she was adding more to this supposed debt, and then said that was between me and XXXX, who repeatedly sends me back to XXXX. That is extortion and threats to my financial well being. This was repeated today. I will not pay this company a dime. These tactics are shameful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-04-2016 about Debt collection (Non-federal student loan) with Reliant Capital Solutions, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IN).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Chase freedom credit card charge everey month a purchase fee whather you use or not the credit car a monthly purchase interest fee of {$21.00}. A total of {$250.00} that is insane my payment is XXXX wich {$21.00} goes tours the purchase interest fee. Only {$15.00} goes tours the monthly payment at this rate I will never finished the debt. I have 2 jobs is very hard to keep up with monthly payments but this is outrages. Chase Freedom credit card

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2015 about Debt collection (Non-federal student loan) with Midstate Collection Solutions, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I dropped the class and the XXXX XXXX college is saying I did n't drop the class and is charging me for the class.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Billing disputes

Complaint: I refinanced my house and the title company gave me a check made out to Citi card. I wrote my account number on the paper attached to the check. It was cashed on XXXX XXXX, the title company confirmed it. Citi card is saying that they did n't get it. Well they did get it, and cash it. It was for {$2900.00}!! I have called numerous times and been on hold for over 30 minutes. I have gotten no answers, no communication what-so-ever. I have faxed them a copy of the cashed check, and not heard back. The title company faxed them a copy of the check. This is not just a {$50.00} payment. I am so frustrated. I ca n't even get a direct number to call them at. They are horrible and their customer service is horrible. You ca n't even email them without them getting back. No reply. Can you please help me?

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 10/27/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Late fee

Complaint: I received no written notice or reminder my payment was due on XXXX credit cards that were due today. When I remembered tge payment needed to be paid today, it was past their cut off time. Their app I use to pay my credit cards states to call them if you are making your payment past a certain time. I contacted them only to be told I would incur a late fee and that in future I might want to sign up for auto pay, I told them I wished that had been offered this service before today. No one had ever told me this. It just did not seem fair after talking to a supervisor also.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2015 about Mortgage (Conventional fixed mortgage) with PHH Mortgage Services Corporation (AR).
Issue: Loan modification,collection,foreclosure

Complaint: I am XXXX military. I 've had a mortgage loan with PHH since XX/XX/XXXX. I 've never missed a payment until last year. In XXXX of last year I found out my husband was XXXX from the military and I would be the only XXXX with a job and we have XXXX kids. I contacted PHH ( XXXX XXXX ) in XX/XX/XXXX to request aid with my load. She had me fill out some forms and submit tax returns, pay and bank statements. Since then we have gone back and forth. She continues to ask me for the same forms and documents I 've already submitted multiple times. She will tell me that 's all she needs and my case will be submitted but a month later she sends me an email asking if I still want to do a deed in Lieu request and again asks me for the same forms again. This has been happening for almost a year. My husband got out in XXXX of last year and I started missing my mortgage payments. My credit is ruined and my deed in lieu of still has n't been submitted. I 've contacted her supervisor ( XXXX XXXX ) and she had XXXX XXXX contact me again ( a month after I contacted her ) asking for the same things I 've sent at least XXXX times. I 'm stuck and do n't know what I can do. No one can be this incompetent of they must be playing with me so they do n't have to help.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
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 have spoken with numerous representatives regarding this matter with this company XXXX XXXX XXXX and this company is still reporting on my credit report from Experian this company should be removed immediately and Experian is refusing to update my credit report with accurate information

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