milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/28/2016 about Debt collection (I do not know) with AR Resources, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I previously made a complaint to the CFPB that was resolved in my favor. AR Resources, Inc. responded that " Please be advised that AR Resources , Inc. has closed the consumer 's account and requested that it be deleted from the credit report. '' While they did delete it from my XXXX and XXXX reports on or around XX/XX/2016, they never deleted it from my XXXX credit report. They, they reported it again to XXXX on or around XX/XX/2016. They are also reporting it as open, even though they promised the CFPB and me to close the account and remove it from my credit reports. Please have AR Resources , Inc. follow through with their promise to the CFPB and me to close the account and remove it permanently from all 3 major credit reporting bureaus and any other credit reports or other parties they reported it to.

Company response to consumer: Closed
Consumer complaint received 09/26/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XXXX XXXX used predatory practices when I was XXXX to get me to sign loan papers for loans that I did not understand. During years in forbearance while attending school they harassed me on the phone. Once I graduated they have continued to harass me calling me XXXX times a day. I have had hard financial times since graduating, and they will not work out payments with me.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Student loan (Private student loan) with AES/PHEAA (MI).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I have attempted to make payments and stay current with AES/NCT ( National Collegiate Trust ) for years and have struggled. Each year my monthly payments rise significantly and this is to the point where I can no longer manage, I can not afford the current payment on my accounts with you all. I have more than one account with National Collegiate Trus totaling more than {$850.00} per month. This doesnt include my other student loans with XXXX XXXX and XXXX XXXX. In total I pay over 1,000 monthly to keep current with all my loans. The only lender who will not work with me and lower my payments to a reasonable amount is American education services and National Collegiate Trust the actual owner of the debt. I have called, written, begged, cried and pleaded with both companies and no one will help me at all. I am asking for a lower payment so I may pay, Im not trying to get out of my obligation, I just want to live and pay rather than giving you all my income and not be able to survive. Please review my accounts I pay {$590.00} alone on one AES account. This is the highest monthly payment I have out of all the loans and the one that I can no longer pay. my account is delinquent now and I call you all the time trying to get a lower payment. I have this account and my other account in my dads name ( XXXX XXXX XXXX ) with me as the co lender on that one. I currently paying XXXX $ on the account with my dad and XXXX $ on the account I spoke of earlier. I cant have a home, car, or cell phone because all take all my money and I cant do it anymore. I have contact NCT for a lower payment I have written my federal and state legislators. Why wont you all work with me and lower my payment. I dont want to be delinquent, I want to pay please make it so I can by making my payment reasonable. I literally dont have the amount youre asking for and have sold everything of value to stay current this long. I am asking you to please look over my account and allow me another option. My hair is failing out I cant eat cause I have no money so Im looking all sickly. All because I went to college, please help me. This is America, You all took away my American dream now Im just asking for a little of my life back. Please lower my payment, I want to pay but I cant pay what you all have me paying now. Account # : XXXX XXXX account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In securing a loan for a new home, we found out there was a collection on my credit report from Trident Asset Management XXXX. XXXX XXXX, XXXX GA XXXX XXXX : XXXX. It was apparently from XXXX in the amount of {$51.00} however, this was not something that XXXX ever submitted to them. We were never contacted by XXXX, nor were we ever made aware of this debt by XXXX. We only found out about it from our lender pulling our credit. It is negatively affecting our credit report and all attempts to obtain further information from XXXX were unsuccessful. They just kept telling us we had to pay it. XXXX has NO record of this debt or an account. XXXX refuses to answer questions, and they are also refusing to remove it from our credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (ME).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The Equifax breech put my security at risk. They used my personal information very poorly.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2016 about Debt collection (Credit card) with Suttell, Hammer & White, P.S (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: the law offices of suttell, Hammer & white sued me and got a judgement against me on time barred debt and now my check is being garnished

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Checking or savings account (Checking account) with U.S. BANCORP (OR).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/2017 I deposited a check into my account using US Bank ATM. The check amount was {$2500.00} but the ATM machine read it as {$3500.00}. The about written in words was clearly {$2500.00}. So I deposited the check for {$2500.00}. 4 days later on Saturday I received a letter in the mail from the bank saying that they reversed the whole deposit and none of the funds are available in my account. From what I understand if there is a dispute the amount written out in words should be controlling. However US Bank chose to make {$0.00} available to me. And the first time I found out about it was on Saturday when the bank was closed. I called customer service but the lady on the phone said there is nothing she can do and that she ca n't even see what was done and that I need to go back to the bank on Monday and try to present the check again. I need to have the funds in my account asap and there was no reason for the bank to deny making funds available to 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 explanation
Consumer complaint received 02-02-2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was n't able to view my free credit reports.

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 09-12-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease

Complaint: I started a loan with Santander Consumer USA XX/XX/XXXX. My loan was for {$13000.00} with a {$2000.00} down payment ( {$1000.00} in cash and {$1000.00} trade in for my Dodge Durango ). My loan was for 72 months @ 22 % interest with final payment being around {$24000.00}. Each time I 've hit into a hardship due to loss of income they were asked to work with me. I 've always caught up payments that I 'd be behind on and each year at tax time I would pay what was owed plus extra so I could be a month or two ahead. I would be told yes it was showing that I was ahead but by the next payment due I would be told I was a month behind. XXXX XXXX they put my car as a charge off on my credit report with amount owed being {$9900.00}, XX/XX/XXXX they sent a repo company out to get my car. The repo company came and took my car out of my garage and refused to show me the repo papers they had ( illegal ). I paid over {$3000.00} to get my car back to have them send repo again XXXX/XXXX/XXXX from my work. Again this repo company would not show me papers. I paid {$1100.00} to get my car back and that company had the release papers for my car before they returned to their lot with my car yet they slim jimmed my driver door damaging my stripping to bag and tag my stuff ( they had release so why bag and tag my stuff? ). Car company said XXXX XXXX my payoff amount was at {$10000.00} yet XXXX/XXXX/XXXX my payoff is {$11000.00} ( how does amount go up if you pay on it? ). I have asked the company numerous times to refinance my loan so I could get a lower interest rate and payment so I could stay caught up, they told me they do n't do refinancing. I asked them to fix my credit report so it shows car is paid up to date and not a charge off and they told me they ca n't do that. If my car was charged off then how am I able to still pay on it and pay same account instead of paying a collection agency? I have paid {$18000.00} on a {$13000.00} loan amount financed with end payment being {$24000.00}. How can I still owe {$9900.00} on a loan that 's stated as a charge off at {$9900.00} when I should n't owe that amount? Company calls me 3-5 times a day everyday they do not receive a payment whether I 've talked to someone already or not and continue to until they get a payment. Notes are incorrectly put in or not put in it seems. I 'm so frustrated with this and I ca n't even get another company to refinance my car due to what Santander has done to my credit report. I would love more than anything for Santander Consumer USA to send me the title to my car and fix my credit report stating paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Debt collection (I do not know) with Weber & Olcese, PLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was not given any notice prior to Webber Oclese seizing {$1800.00} from my bank account on XXXX. They admitted to not having my contact info?

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I own a condo in XXXX, NJ that was my primary residence and is now rented for {$1300.00} a month. Last year, there was a period of time where I lost my renter and had to make repairs to the property and I was unable to afford the mortgage payment. I then received " streamline '' modification documents from Seterus. I met the probationary period making monthly payments of approximately {$1300.00} for three months. I was then sent the final modification documents to sign however in the interim I received a letter from the escrow department stating that my escrow was incorrect and that they would send me a letter with the new amount. I received the letter from the escrow department and it would have reduced my payment to the probationary amount of approximately {$1300.00} rather than {$1400.00} as indicated on the documents. I kindly asked for new modification documents reflecting the corrected escrow amount as that was in line with what I could afford and being they made a mistake I wanted accurate loan documents. This began in XXXX. After numerous phone calls and their recommendation to just sign the documents even though the amount was incorrect. As recent as this week, I spoke to someone stating they would look into it and put in a request for updated documents and they would get back to me. I have never gotten a response. On XXXX XXXX, I was served with foreclosure papers. I am only trying to have accurate loan documents reflecting the payment with the correct escrow amount that they had originally calculated incorrectly. But as is typical with large financial institutions, the right hand does not communicate with the left. I do not have money to get a lawyer and I just want to fix the situation but they said there is nothing I can do but try to reapply for a new modification which I am completing for form today on XXXX. I feel that it is wrong to recommend a borrower to sign documents that they know are incorrect. Also when I make calls I have gotten different answers from different representatives. There was no consistency. I greatly appreciate any assistance you can offer in helping me rectify this situation as I do want to keep the property. I am in XXXX, a XXXX, so I am not nave to the process, however I think the OCC would criticize us if we did n't have correct documents and the Bank recommended the consumer to just sign the documents knowing the payment is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I 'm Chase loyal customer since XXXX last year, and I have several credit cards from Chase, but on XXXX XXXX, I found all my credit cards were suddenly closed by Chase without any notice. I 'm also a XXXX visa holder, and when I first landed the United States, I suddenly love the travel culture of USA, and we have so many places to be visited. And the banks, hotels and airlines they support us so good service which I never had in my own country, these all make we foreigners feel better and love this country.People should live with travelling and comfortable life, not only working working and working ( this happened in my country ). After my credit history was longer, I decided to open some credit card to help me and my family to travel better, and we so I opened some product from Chase and with these credit cards we travel to many places in United States. And I do n't gave any negative marks or late payment on all my credit cards, every time they posted, I immediately make a payment, and also I keep my credit usage is less than 10 %. In order to have a nice honeymoon with my wife next year, days ago I opened a XXXX XXXX XXXX Credit card to have a golden membership, it 's approved but days later, all my Chase credit accounts were suddenly closed without any notice. Then I tried to call them, all the department said due to the bank policy, they could not tell me more. I also send them a long secure messages, but not impact. Then I called them again said due to too many account opened in the past several months, I 'm risky and they closed all of mine. I explained to them about my purse, but they did n't care, no impact again.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Credit Karma, Inc. (NJ).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I 've never tried to apply for any credit cards in my life. I moved out of the state and did n't change my address I received letters from the government and it had my social security number my name on it & someone been ruining my credit they fraud a lot on my social please I need help I 'm only XXXX yrs old with a no good credit that I 've never took any action on.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I am disturbed, this is very appalling, something that never went through the system, and that you continue to list the Current Disposition Dismissed/Closed CHXXXX as confirmed within my credit file.This is very damaging to my XXXX grandkids, my family, and is very detrimental. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. The other XXXX agencies have already deleted this data when 7 years was done. I suffered enough because I never finished this proceeding out filing chapter XXXX. Also there is no signatures. 

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. 

Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: I applied for a new Citi AAdvantage Platinum Select Mastercard on XX/XX/XXXX. 

I was instantly denied for the following 2 reasons : 1. Too many recent credit inquiries are recorded on your credit bureau report ; and 2. Your credit report reflects a lack of recent installment loan information I feel that I have been discriminated against by Citi and my credit application has been denied on frivolous grounds. 

I have a superior FICO credit score of XXXX, and a relationship with Citicards that spans over 10 years. My accounts have always been in good standing. 

At the time of application, I only had 3 hard inquiries in the last 6 months, 1 of which was in XX/XX/XXXX for the same Citi Mastercard application as the one above. 

I fully own my house, and naturally would not require any installment loan. I should not be penalized for this. 

Despite repeated attempts to contact Citi for a detailed explanation for the denial, no additional information has been provided.

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 06-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
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 booked a hotel in    XXXX   XXXX    via email. The date of my reservation was     XXXX   XXXX    2016. I p aid in advance since we were traveling during the peak season of {$2400.00} on   XX/XX/16 .   <P/> The hotel made a mistake and had our reservation a s   XXXX   XXXX   2016.  I am not sure how this happened when every correspondence had our dates o f   XXXX   XXXX   2016 in th e  Subject li ne of the emails.  <P/> As soon as we returned home from our vacation I disputed the  charge. I do not know the exact date but was early       XXXX   2016. When I attempted to dispute the charge with Citibank the hotel that informe d  Citibank  that they had a " no refund policy '' which was not the issue of the dispute. The hotel did not tell them they had our dates incorrect. I did not cancel our reservation ; therefore, I do not believe the " no refund policy '' applies for dates we did not book. We had to find different accommodations for the dates in which we were in  XXXX ,  XXXX . Citibank closed the dispute based on the hotel 's " no refund policy '' even though I explained to multiple people that the issue was an incorrect booking of dates by the hotel. I have spent countless hours on the phone with  Citibank  and have supplied them with all of my emails ( once via fax and once via email ) showing proof of my reservation dates.  <P/> I did ask the hotel for a refund but they said they would provide only a partial refund but then wanted all of my banking information. I found this to be very suspicious and thought the smarter action would be to dispute the fraudulent charge.  <P/> I ha ve spoken to management in the Citibank dispute center and even though the hotel charged me for dates that I  did not book, they tell me there is nothing that can be done.  <P/> Thank you so much for any help that you can provide.    XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX who bought debt from XXXX XXXX XXXX XXXX. I have asked that all three credit companies investigate. Experian, XXXX, and XXXX. The debt has been paid. The account shows a XXXX balance. I called the creditor and they said they were not reporting it, it was up to the Credit Bureaus to take it off. They all have not taken it off. I dispute it and it comes back that it has been paid. I need for this to be taken off of my credit as a collection as it is no longer a collection.

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 12/20/2016 about Debt collection (Medical) with Modern Adjustment Bureau (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX XXXX XXXX shared my personal information with a third party without my written or verbal consent. They are in violation of HIPPA law. The debt collector is disclosing incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Professional Receivable Solutions (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Stated debt is not mine. Requested debt validation and never receive any response

Company response to consumer: Closed with explanation