milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint: I have XXXX complaints about all XXXX major credit bureaus ( XXXX, XXXX and Trans Union ), that show they are not taking the proper precautions to protect individual 's identities, and have practices that cause consumers who have been victims of identify theft to pay for services that they are entitled to get for free. 1 ) All XXXX are using very outdated SSL security on the websites that one must use to enter social security information, which means an unsophisticated attacker can easier capture SSNs in transit. 
2 ) In order to get a free credit freeze when consumers who have proof of identity theft MUST send that proof by regular mail, which includes the consumer 's SSN, to a XXXX for all XXXX bureaus, with an address that includes the bureau 's name and " credit freeze '' in the address name. This makes identify theft through the postal mail extremely easy! The postal service loses large quantities of mail each year. Also, this means it will take more time to place the credit freeze due to waiting for regular mail to make it to/from the credit monitoring bureau. For those reasons, I felt the need to pay for the freeze service that I was entitled to get for free. 
AND, I could not find any place on any of their websites where I could contact them to raise these issues.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: False statements or representation
Sub-issue: Indicated shouldn't respond to lawsuit

Complaint: We negotiated a settlement which involved removal from my credit report plus they were also contacted about the information stating the opened date was wrong. They have continued to report even though the settlement was for certain amount removal and corrections of the information of date opened. They have continued to do this with any debt they are issued instead of using the date the debt first became delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-06-2018 about Debt collection (Credit card debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I received a letter from XXXX XXXX XXXX, a debt collection law firm in XXXX, Virginia. They claim I still owe BANK OF AMERICA {$4400.00} for a debt that was charged-off 9 years ago. The statute of limitations for debt, in Virginia, is 6 years. this is the second letter I have received from this law firm, the last one was in XXXX. I am sure this is probably a scam being perpetrated by either Bank of America or XXXX XXXX XXXX. I want this matter resolved, because I do not owe this money. 
Also, if the debt were still active, it would show as a negative entry on my credit record. What is my legal recourse on this matter? Your help will be greatly appreciated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX phone ( XXXX ) XXXX Monday-Friday after XXXX XXXX anytime Saturday and Sunday

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 07/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I filed immediate complaint w/ Discover Card about a VETRENARIAN VISIT advertising " free exam '' X/XX/2017 ( my pet ) never got physical exam, ( in my presence ) no call back on, XXXX XXXX results or diagonosis. nothing for over a month. ( my cat is male they said he was female, my cat is XXXX & has XXXX XXXX and they said he was n't like that when they saw him? ) Called/e-mailed this vendor, XXXX  XXXX XXXX MANY times. They said exam was done in the " back room '' where they took his blood? I filed a DISPUTE w/Discover Card # XXXX.Discover refunded me the $ ( {$88.00} ) at first then charged me back. The vendor sent them 7 pages of questionable /info on my cat.I NEVER SAW or GOT any of this from them, this is 2 months later ... The info they supplied Discover Card was wrong/lied, Discover Card is ignoring my Better Business Bureau complaint, the CA Vetrenarian Assoc. , complaint, numerous online complaints from others about this business and are taking sides w/ the BAD VENDOR .... XXXX does n't do this, they refund you bad vendor purchases w/ a string of complaints ... .I am NOT paying this bill ... .I still do n't know what is wrong w/y cat and DISCOVER CARD is USELESS in protecting consumers. pb

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-07-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (OH).
Issue: Trouble during payment process

Complaint: Since XXXX of 2016 Nationstar Mortgage has posted payments at their will with no particular pattern at times to the regular payment then at times to the principal. This type of posting gives the appearance that I am missing payments. Then they even charge late fees.
This is a never ending dispute with hours on the phone with Nationstar saying they 've corrected the issues and made the appropriate adjustments to the Loan.
They constantly harass me for missed payments which solely lies in their accounting and servicing of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Mortgage (Conventional home mortgage) with CITIZENS FINANCIAL GROUP, INC. (MI).
Issue: Trouble during payment process

Complaint: The bank returned my XXXX XXXX payment to me. I 'm asking you will ask the bank to reverse their action, because I 'm not responsible for the delinquent taxes in XXXX or the current at the time taxes XXXX. The title company took the money out for taxes, before I got the loan. Is there anyway to make the bank more accountable for their actions? 
I 'm asking you to treat this manner with great urgency. My homes dependency is riding on this matter. I have made all of the loan payments on time. I have also paid the taxes, on the following years, which are included, in this complaint, as well as the settlement statement, that I received when closing on this loan. I have made XXXX XXXX dollars additional on the loan this year, and made XXXX XXXX dollars additional last year. I do n't have a issue paying the notes. I have and issue with the bank, being responsible. I do n't have proof of XXXX or XXXX 's paid taxes, because they were to be paid by the title company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX I called that company, several times. The person handling that case was n't in they did n't call back.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit card () with WELLS FARGO & COMPANY (OH).
Issue: Payoff process

Complaint: I made a payment of {$200.00} on XX/XX/XXXX dated for XX/XX/XXXX to cover my minimum due on my pay day. I then made another payment, after confirming my bonus was received on XX/XX/XXXX, on XX/XX/XXXX which was posted to my account on XX/XX/XXXX. The company charged me {$15.00} in interest charges because the full balance did not post before XXXX. I have called twice, the second time asking to speak with a supervisor. They stated that I made the second onlione payment on XX/XX/XXXX, but my notes say I made it on XX/XX/XXXX. The company refuses to remove the interest only charges and this is ridiculous. The website does not have the date/time the transaction was done online, you just get an email later about the transaction date. The {$200.00} payment email was received on XX/XX/XXXX XXXX and the {$590.00} payment email was received on XX/XX/XXXX at XXXX. I know this is NOT when I made the payments online as I was SLEEPING at those times. All I am asking is for Wells Fargo to remove the {$15.00} in interest only fees on my account and they claim they ca n't because the payment posted on XX/XX/XXXX. Seriously?????? I know that is a line on 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 01-01-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Trying to get information to lower my bill

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Mortgage (Other mortgage) with FLAGSTAR BANK, FSB (TX).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage company is FlagStar an I have been trying to do a loss mitigation with them for 3 years now. The first time around in XXXX they randomly closed my case, even though I called monthly to check on it. Their reason for closing given to me was I was suppose to send in a monthly of my pay stubs and bank account. This information was never portrayed to me, in which I was never given the chance to comply. I tried again in XXXX submitting multiple applications with no reply. I then contacted HUD in XXXX and had a councilor sit in on a conversation with FlagStar in which they denied me saying I never submitted an application. I then submitted an application while still on the phone without saying so and they still denied, saying I did not. It was n't until a supervisor was called, did they omit I submitted an application. I submitted all the information that was required of me and checked in every 2 weeks to see how the application was goin. When all of a sudden once again they denied me saying that I did n't make enough money and that I would have to do a " Short Sale ''. This was around XX/XX/XXXX and I still am in possession of my house and am scraping by to make payments. 

FlagStar has denied me Loss Mitigation at least 3 times and without notice, I had to call to find out that they randomly closed and or dropped the application. In which they gave me a random excuse for their actions which had no ground. This is n't right, why am I being denied by FlagStar. They should n't be able to just deny an application for any random reason they can come up with and without notice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Debt collection (I do not know) with Transfinancial Companies, Inc (NV).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I pay all of my bills in a XXXX, as I am working really hard to repair my credit, i do n't know what an {$11.00} bill is doing on my credit report. I have no problem paying it, but can attest to never receiving a bill. 
Please help. 
XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 07/13/2016 about Credit reporting () with EQUIFAX, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX of my student loan payment history is incorrect on all XXXX of my credit reports. It states I was 90 days late during the months of XXXX & XXXX when I had an active forbearance during these times. I submitted disputes via mail with all XXXX credit agencies 3 separate times since XXXX. Each envelop contained a dispute form with all XXXX student loan late payments errors listed, proof from XXXX confirming I had an active forbearance during XXXX & XXXX, & a copy of my drivers license. Conveniently, all documents were scanned except the proof from XXXX. They can not tell me what happened to that piece of paper, but they have the other items in the envelop. I am a single mother attempting to buy my first home and these errors are preventing me from being approved for a home loan. I do not have to money to pay an attorney to have these removed and I should n't have to, this is not my error. Please help me correct my credit report. Thank you!! P.S. I have proof if needed, but I did n't want to upload to this site since it stated not to disclose sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Gatestone & Co. International Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I set up payment plan and yet they keep calling everyday. They had told me the calls would stop as long as I make reoccurring payments. So I called them back to find out why the are still calling me and turns out my payments is going to them and not the company I owe. I had to talk to XXXX different representatives and XXXX had told me XXXX so I asked to speak with the manager who proceeded to call me uneducated because they lied and did not explain very well to me where my payments are gong to. They were all very rude and unprofessional. The first guy I spoke with demanded my card information. The " manager '' literally had me crying with how rude he was. And all XXXX of them would talk over me and then yell at me if I tried talk. I had to call my bank and tell them to unauthorized the transactions since they would not do it. Ummm is that even legal?!?!?!. I do not trust them whatsoever. And to make matter worst when I called XXXX they told me they should not be taking that much money for themselves. Horrible company, how are they even in business?!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I have had an extended loan with XXXX, when I first started my payments I put in multiple instructions that my principal be paid on first and not interest, I 've noticed for white sometime I ask for statements on balanced, but in XX/XX/2010 I owed a little over {$10000.00} and I still owe the same amount, and paying XXXX $ a month for so long, I should n't owe that much, and they wo n't give me any statements, they tell me go online it 's all online, there 's not one spot online that shows my beginning Balance I started with after quitting school to now showing how much I 've paid on my loan, I 've been making payments for a long time, but my Balance owed is the same as 7 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Student loan (Private student loan) with CITIBANK, N.A. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: My prior complaint number is XXXX. On XXXX XXXX, XXXX I sent a letter to Citibank requesting information about my student loan - I have not received a response. Today, XXXX XXXX, XXXX I am sending a 2nd request.

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 05/30/2016 about Debt collection (I do not know) with MERCHANTS ADJUSTMENT SERVICE, INC. (AL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Merchants Adjustment Service ( MAS ) has " willy nilly '' placed a {$110.00} collection on my XXXX credit report. It does not state the original creditor, so in actuality MAS is stating that I owe this money to them. This is bogus reporting and is causing a hit to my credit score. I do not owe this company anything and, judging from MAS ' reporting method, it has no idea whether the information is accurate or not. Just an MAS employee trying to make a quota to my detriment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2016 about Credit card () with UMB BANK, NATIONAL ASSOCIATION (KS).
Issue: Balance transfer

Complaint: Quicktrip has offered gas station card through UMB Bank. I held a card which was paid in good standing. They switched provders to XXXX XXXX XXXX XXXX XXXX earlier this year. I changed where I am sending payments and monthly statements provided by XXXX XXXX XXXX XXXX XXXX show my account is laid. But I am now receiving collections letters from UMB Bank saying I owe on my Quiktrip account. What gives?! I have paid every statement I 've gotten!

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 01/20/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I 'm the co-signer of my oldest daughter 's loans. We have approximately XXXX loans with Sallie Mae before it transferred to XXXX. When my daughter graduated in 2011, we were told her total loan payment would be over {$2500.00} which was outrageous. I spoke to them and said there 's not way we would be able to make that kind of payment. They then told us that we could defer the interest, I did n't understand this but the payment was lowered than the original amount so we went that route. It was still high and I had to work XXXX jobs to help my daughter with these payments. Unfortunately XXXX yrs later, our loan amounts sky rocketed. I could n't believe the interest at one point was almost 12 %. I ca n't find the statement that said that but when we applied for these loans, they told us it would be approximately 2 % over prime rate. But the Customer Service rep told me that it should n't be more than 8 % at a high. I was n't too familiar with these types of loans. My main focus was my daughter 's college education and getting her through college without any issues. My daughter has since taken XXXX of the loans to pay them off and get a lower interest rate. I was told that if I did the other XXXX remaining loans that my interest rate could go higher than what it currently is so I chose to leave them be. I did set up automatic payment and they ( Sallie Mae ) would take a .25 % off of my loans so I have them coming out automatically to just save money.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I disputed a charge on my Bank of America ( " B of A '' ) Visa Card for an online purchase. Upon receipt of the product, it turned out to be a recurring billing scam by a merchant that had been repeatedly shut down through FTC enforcement action. I disputed the charge with B of A and initially was given a temporary credit. A month later, I received a letter in the mail dated several days earlier and giving me just a few days to respond or the charge was to be reversed and placed back on my credit card. 


I do not believe this is in line with the Fair Credit Billing Act ( " FCBA '' ) which permits reasonable time to resolve disputes. In particular, when a credit card issuer finds in favor of a merchant, at least ten days is required between the time an adverse decision is made and the consumer may respond further. Here, that was not afforded to me in violation of 15 U.S.C. 1666. This  is evidenced by the fact that the date on the letter itself is only seven days prior to a 'deadline ' to have responded. B of A shut down the investigation before I had time to respond to the merchant as set forth in the code. 


Next I tried to exercise my 'claims and defenses ' remedy and no one at B of A even knows what that is. Specifically I am deprived of my right under the Truth in Lending Act, Reg. Z, 12 C.F.R. 1026.12 Special credit card provisions, which permits me to withhold payment of unpaid amounts. Every one of the B of A representatives, as well as multiple supervisors, have no idea about this right and insist that I have exhausted all avenues to dispute this bill. I state to them I am not again exercising the 'billing error ' portion of my claim, but now a claim that this is an outright fraud which has been adequately demonstrated to B of A, and for which B of A is holder in due course of the alleged debt. The time frame is one year, not 60 or 90 days, depending on who one speaks with at B of A.

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 05-02-2015 about Credit card () with CITIBANK, N.A. (GA).
Issue: Other

Complaint: I recently received a copy of my credit report. The credit report showed a credit inquiry by Best Buy that they do not recall authorizing. I understand that Best Buy should n't be allowed to put an inquiry on my file unless I have authorized it. when I called credit Bureaus companies ( XXXX, XXXX & XXXX ), they refused to dispute this inquiry and they said to me to call Best Buy to remove it. when Best Buy called, they refused to remove and they asked me to call credit Bureaus companies and dispute it. I asked Best Buy what reason that Best Buy wanted to my credit file. They replied that we do n't have any information or record why we wanted to your credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-03-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with STATE EMPLOYEES CREDIT UNION (NC).
Issue: Loan modification,collection,foreclosure

Complaint: Banks should never be allowed to close access to online financial records and statements unless they provide you with a printed, paper copy of all removed items, along with a statement that "financial transactions" stated in such will no longer be available online as of XXXX.  This includes closed accounts, or any account associated with a closed account.  I am currently going through the process of claiming bankruptcy, and file taxes for XXXX, XXXX and XXXX.  I have never kept paper copies of my statements because it was always accessible online, until I got into financial trouble.  My main bank, State Employees Credit Union, closed my checking account, which in turn gave me absolutely Zero online access to any of my financial information, including checking account statements, tax information, mortgage payoff amounts, previous loans and credit cards, etc.  While I understand a 'closing of an account' due to inactivity, money past due, etc., a financial institution should never make it that difficult to access your own personal banking records.  The whole process of going through a bankruptcy with a potential foreclosure is hard enough, and banks should allow you some type of online access to statements required to file these documents without being further humiliated by having to go into a bank to retrieve these documents in order to secure your own financial well being.

Company response to consumer: Closed with explanation