milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On XX/XX/XXXX I discovered a Chapter XXXX Bankruptcy had been re-inserted into my credit file by XXXX. This item was previously deleted on or around XX/XX/XXXX. The credit bureaus are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Upon speaking with an XXXX representative name XXXX today, she stated it was reinserted from a notification they received from Experian. This makes perfect sense because I recently file a complaint about Experian on XX/XX/XXXX. She also stated that the item is in dispute based on the information that Experian sent to them. This is very concerning to me, for one how can they report something based on Experian & furthermore, put it in dispute based off that same notification? I never gave Experian permission nor authorization to share or furnish my information with anyone especially another bureau. Both XXXX & Experian have violated the FCRA & upon checking their website to view my report, it states this information was furnished by XXXX XXXX ( a third party ), which is also illegal according to the FCRA. I 'm including the most recent report from XXXX dated XX/XX/XXXX in which you will see that this Bankruptcy was not reporting on my file & has not been for over 2 years. My ask would be that XXXX please delete this item immediately & Experian refrain from sharing any of my information with other bureaus..

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 11/19/2016 about Consumer Loan (Vehicle loan) with CITIZENS FINANCIAL GROUP, INC. (CA).
Issue: Taking out the loan or lease

Complaint: Citizen One XXXX placed an hard inquiry on my credit XXXX XXXX XXXX. This action was fraudulent because I did not seek them out for an auto loan on XXXX XXXX, 2016. I did not sign any Citizen One papers requesting an auto loan. My credit score has been reduced due to this action and I was denied a {$30000.00} loan as the result of this fraudulent action.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: MyFedLoan claims to have 'one goal : to help you successfully repay your loans. ' However, 57 % of people qualified to income based repayment plans did not re-certify in time likely due to poor communication on the servicer part, to the point of negligence and with harsh, irreversible and unforgiving penalties. 

In my case, I received one single email reminder during my busiest part of XXXX. I was obviously XXXX, overworked, and more focused on XXXX than my own financial well-being. I thought I filled out the re-certification, or perhaps it was another form for public service loan forgiveness but must 've overlooked the email. FedLoan servicing ended up automatically placing me back on standard repayment and capitalizing almost XXXX in interest on top of my principal. This will end up costing me thousands of dollars because I overlooked one email. 

In our society where we are inundated with emails and reminders, for them to only send one notification about something with such severe ramifications if missed is criminal and definitely not in line with their supposed goal of helping me re-pay my loan but turning around and flippantly increasing it. Their other notifications require me to open their email, then click a link to go to their website, log into that as well then download a pdf. Multiple steps that as a XXXX I just do n't have the time to do. I am part of a group that will absolutely pay back my loans but the way the system is set up now is that only people who have financial support can possibly get into and finish medical school and residency. 

The student loan rates are out of control compared to current other average rates with no way to re-finance and it is simply impossible to work other jobs for funding during training so either we take out loans or are supported by rich parents. This is a terrible system, we do not want a society where the only people becoming the caretakers are the rich ones who can not relate to the majority of the population. 

I called multiple times to attempt to fix the issue and was told I had to go into hardship forbearance and that was my only option, however after looking online, there are people who were able to find a rare kind soul at FedLoan servicing who would help reverse the capitalization. This is no longer possible after you enter hardship forbearance, so in fact I was told the wrong information and will suffer for it. Not only will I suffer, but now part of my focus is distracted from what really matters - which is becoming a XXXX - to self preservation.

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2016 about Consumer Loan (Installment loan) with Avant Credit Corporation (TN).
Issue: Managing the loan or lease

Complaint: My complaint comes from the fact that Avant a personal loan company based out of XXXX, was having trouble with my payments. I was attempting to make my payments, however they were securing the funds from the wrong account. ( AN ACCOUNT THAT WAS NOT MINE )!!!!! I noticed this immediately, and called them to let THEM KNOW that they were not collecting correctly, and I was trying to make my payment. ( i Have never had so much trouble trying to convince someone to take my money ) After I called and let them know that they were making a mistake, they charged me for the interest for the " late payment ' This payment was never late, and could not have been addressed any sooner than after my scheduled date to make a payment. As soon as it was able to be fixed, I again reached out to let them know the mistake they were making. They said they would call me back. 

What they have done, is nothing, and have over charged me for a payment that was never late, and should have never been late. And to this date, there has been no issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2017 about Debt collection (Other debt) with McCarthy, Burgess & Wolff, Inc. (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: i have been geeting several calls from them all day everyday i even tried contacting them about it. i recently disputed XXXX with another debt collector because the bill was never as high as it is now i only owed {$1000.00} now its almost {$5000.00}. i refused to pay that much. XXXX XXXX XXXX  disputed it for me because i told them how bad service was about all the payments i tried to do and how XXXX also told me i wouldnt have any early termination fees because my contract was about to be over and just leave the lines suspended because they werent in use but now its a whole other story i tried telling people that at mbw and they gave me a line of XXXX. i also told them another debt collector was trying to collect from me at the same so they said they were gon na dispute it and never did now theyre saying its to late to dispute it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (DE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX from wells fargo bank is reporting a fraud account # XXXX balance {$570.00} on my credit reports as charges off when this was a result of fraud disputed with the Bank and they neglected to follow up with the proper fraud dispute and remove the fraud account from all credit reports since i never received a card or applied for one.

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 04-04-2016 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I paid my mortgage on time. I actually paid them extra money by check. When I went to my bank they had drafted extra money from my account without my authorization. This is the second time they have done this. A few months ago I paid {$850.00} cash money to them. The next week I had checks bouncing all over the place because they kept the cash AND took another {$850.00} from my personal bank. How do they do that? I did n't authorize my bank or them to take ANY money from my personal bank. This is affecting my reputation and my creditworthiness. In fact it is damaging to my reputation in the community.

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 05-01-2015 about Credit card () with U.S. BANCORP (FL).
Issue: Credit determination

Complaint: I received an invitation to apply with a code to enter from XXXX. This is a progressive and socially responsible company and, in addition to the credit card, it has a cell phone company ; I was a cell phone customer for several years. So when I applied, I fully expected to be immediately approved. In addition to being a former customer, I have a pretty good credit score, have not had a late payment in XXXX or more years. Also, I currently have several cards issued by their bank, XXXX. When I was not only not immediately approved but got the " we 'll let you know in 7-10 days '', I was kind of upset. However, when I did get the letter from them, it stated flatly that I was denied because I had had a bankruptcy in 2008. When I called and emailed XXXX, I got a generic answer. Of course companies are certainly entitled to choose who they want for customers. My concern is that they did not state, not even in the fine print on the offer that people who had bankruptcies need not apply. If that had been the case, as in the instance of XXXX, that asks that question before even accepting an application, of course I would not have bothered. So that 's XXXX thing I think that is unfair to consumers ( and I wo n't even mention the fact that hundreds of banks have had their own financial troubles! ) as is the practice of having different criteria in the same institution. I have XXXX cards issued by XXXX and they have high limits and low balances. So, in addition to the embarrassment of having been denied credit, I have the dreaded hard inquiry on my credit which I have so carefully reconstructed after divorce forced me into bankruptcy years ago. In the interim I have been able to buy a car and a home so this hurts. And it was not stated at the outset that people who have had bankruptcies should n't bother. Can uniform standards among these companies be established? It is bad enough that they change interest rates with impunity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On  XXXX   XXXX , I provided a state tax lien release letter to all  XXXX  credit bure aus (  XXXX ,  XXXX  and Experian ) that showed that the amount of {$2400.00} had been paid in full and myself and my husband both were cleared of this debt.. I ha ve sent  two certified letters to each bureau requesting that the information be deleted from my credit r eport. Only  XXXX  bureau-  XXXX   has updated it to reflect PAID IN FULL. I am in the process of buying a home and this reporting is causing a hardship on 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 non-monetary relief
Consumer complaint received 09/19/2017 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: Reporting company used your report improperly

Complaint: Equifax had a data breach that compromised my information, but did not notify me or provide any adequate solutions. I found out through media reporting, and it is unfair that they have compromised such sensitive information with no compromise other than to create another account with them with no reassurance whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Bank account or service (Savings account) with NAVY FEDERAL CREDIT UNION (NC).
Issue: Deposits and withdrawals

Complaint: I purchased a cashiers check to secure a rental home for my family. After the funds were sent but before the check was processed, I was unable to reach the property management company and suspected fraud. I contacted Navy Federal and was told the check had not been processed and I could stop payment on the check by filling out an affidavit of loss. I did this right away and the funds were credited right away. 7 days later I receive a call from navy federal informing me that the check was presented for payment and the funds were deducted from my account. I explained the situation again and they refused to reverse thier decision. I tried to escalate this to a supervisor and was told the person I was talking to was a high as it could go. I have been a customer of this bank for 20 yrs and have never had an issue like this before. They lied to me and have refused to make it right.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (NE).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: FCO Collections ( Fair Collections and Outsourcing ) has recently started harassing my ex-roommate and I about a bill we apparently have from when we moved out a year and half ago. Up until this point, we were told there was no outstanding bill. FCO refuses to validate the account ( a consumer right. ) A man by the name of XXXX XXXX is degrading, harassing, and threatening. He 's lied to us and bullied us every time we speak on the phone. He refuses to send documents and his only response is " This is n't about me, this is your responsibility. '' We have no clue if this bill is substantiated and they wo n't work with us unless we have payment. My roommate set up a payment plan because he told us initially that we had until XXXX XXXX to figure this out and today he called and said that he was reporting it right away. He wo n't let us talk and interrupts us every time we try to ask questions. He has attacked us from the very moment he started calling.

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 06/16/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: XXXX Citi businesses XXXX Hello .... I 'm XXXX XXXX Today is.. 
XXXX/XXXX/2016 XXXX Today I went to my bank, Citi bank to handle some business, as I entered I was waiting it was XXXX people in front of me.. Then more came in and went out before me into I noticed I was here a very long time ... 

When I looked up at the time I seen I 've been here For a very long time .. 
Two hours past and I was still siting there so as I was going to get up a man walked over and told me that they were very busy and that they where going on lunch soon .. So I XXXX ok I 'm siting here waiting that 's not a problem. 

so I sat for another hour then someone came and asked me to come sit with him. So as I did he asked me for everything he needed I gave him everything he need to set up my business account .. He XXXX ok great u have everything we need to open it. 

So as he was opening it up for me he 's manger XXXX not to do so. So when I asked him why he XXXX he could n't do anything it 's he 's manger he does n't like me cause I have long hair. I thought it was a joke .... 

I was very disappointed at him for that, I felt like I was not supposed to be here.. I really ca n't tell u how I felt because I do n't want anyone to feel like that. 

So then after all of the commotion I called the corporation and made a complaint against the manger.. 

The customer service lady XXXX it was ok to open it here she do n't see any problem ... 
So she was helping me with the complaint then she XXXX she 's going to contact the branch, so as she was trying to contact the branch he would not even pick up the phone to answer! 

In the past I would of went to jail over some XXXX like this, but my family Sade u wo n't get nothing out of this but trouble.. So I XXXX to my self I 'm going to do this the right way by using my head and putting it to the pen and paid ... To see if this really work! 

My senses proved me right, that As I entered the bank I noticed he 's facial expression and the way he was talking to me that he did n't like me. 

By the way he treated me like XXXX I felt like not being here anymore on this planet, So that 's why I 'm here today writing you to see if u can ... ... ... 
HELP ME? 

Complaint # XXXX Citi bank businesses XXXX Please give me a call if you can help me! 

XXXX XXXX ( XXXX XXXX XXXX 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 03/30/2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have written the credit reporting agenecies XXXX and Equifax numerous times in the past serveral months about a company reporting a debt on my file from XXXX XXXX XXXX that sent me a letter stating and i quote as it states in the letter " To XXXX XXXX the purpose of this letter is to advise you that XXXX XXXX XXXX XXXX has closed the above referenced account and will no longer be collecting on this account including account from original creditor XXXX XXXX XXXX XXXX You have no further financial obligation regarding this account. '' It further states that all credit bureaus have been notified ( XXXX Equifax, and XXXX ) to remove this item and correct this from your credit report. I immediately contacted the credit bureaus and they have refused to remove items as directed by the creditor as of yet. As this has brought down my credit score drastically being it was a collection acct.and caused me to to be unable to get loans for cars, mortgages, ect. I demand that you inform these companies of the fact that this needs to be removed immediately.I have an open litigation against Equifax in Civil Court that is pending as of now, as they have refused to remove another XXXX of the accts. on my file XXXX Bank bank loan that has been placed on my credit file that is not mine, they have been asked to removed numerous times and have refused. These companies have cost me XXXX of dollars from getting loans ect.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NJ).
Issue: Account opening, closing, or management

Complaint: I opened a XXXX svings/checking account and a line of credit with the Citizens Bank. I was told that there will be no maintenance fee if I had a direct deposit and keep the line of credit open. I always met both of these conditions of the bank. I had a less than {$20000.00} loan in my line of credit account and therefore paid {$50.00} annual fee separately for this reason. The Citizens Bank has charged me {$20.00} per month fee for 8 months. When I complained they reimbursed only {$60.00} for 3 months. However, this maintenance fee is totally bogus as I have always met the bank 's conditions. I have tried to speak with the bank a couple of times. Sent complain online but they do not care to resolve my issue and reimburse my remaining {$100.00}. This is an unscrupulous and deceiving practice of the bank to rip off customers like me and they are not willing to resolve it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-08-2016 about Debt collection (Credit card) with MRS BPO, LLC (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I moved from XXXX Mi to XXXX Mi XXXX XXXX 2015, never miss a months credit card payment ... late a time or to. On XXXX/XXXX/15 I open a saving and checking account aat XXXX XXXX XXXX. On that same day, went straight to XXXX county Veteran Affairs office. to ask if I could Please have my routing number and account number fax to the XXXX V.A. office in XXXX Mi. XXXX XXXX told me they operate on tax dollars and they could not do to much. I ask XXXX if he could just fax the info he turn and walked in to his office so i ask him to do his job. I went across the hall to the XXXX XXXX leage power of attoney XXXX XXXX. Said he really did n't quite know how do he got on the phone made a call .ask if the info was right and he would I explained I was great full cause it had to be in before XX/XX/XXXX. the secretary, XXXX and XXXX did n't fax it until the XX/XX/XXXX. So I had to miss a months credit card payment. Now it have collection angency calling late fees pilling up. what should I do it 's really not my err. they just did n't do there job.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation