milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: OK. I have had my  CITI AAdvantage card for 2 years. W hen the annual fee was charged, I called  XXXX   XXXX  and asked if I can have any retention bonuses. I was told if I spent {$95.00} or more, I will have credit of {$95.00}. So I spent over {$95.00} immediately after call and finished my spending for a couple days. I called twice, but they told me I will get it and it usually takes time. I belived. When I call ed two day s ago again, now they told me I did not meet minimum spending requirement.. Because I need to wait for a couple of days in order for them to put in to the system ... But I did not hear about it during my first call. Also then why did they tell me during my previo us two calls? They told me they will check recordings, so I said please go ahead to check them . I com plained that I do not want to spend my time and effort and was told by CITI staff that we also did not want to spend it to you. What makes mt pissed off is that this is the second time.. Last year CITI told me that they will provide a bonus point if I keep the card. So I did, but later    they told me no one said that and no record. I insisted to check recordings and finally they agreed to give me points. I hope the service gets better. It is not just money, but trust between customers and banks. Hope they find it and sorry about it.

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 09/22/2016 about Student loan (Federal student loan servicing) with ACS Education Services (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I attended an off campus adult program, run by XXXX XXXX campus. The courses were given at a XXXX school, and was a BA program for adults. I received my share of Pell and TAP. And everything was costing me nothing out of pocket. After 2 or 3 semesters, we where told the program was ending, and we had to continue our courses, at the main campus. The problem with this is the tuition rose to XXXX a semester, and I was forced to take out loans. I 'm now over {$50000.00} in student loan debt. And I received not a dime. Nor was I able to continue. I would like this loan forgiven due to the fact the actual school and or program was shutting down and moved resulting in higher cost. Which I did n't sign up for. Please I 've been fighting this for numerous years.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was a victim of identity theft in 2014, I have tried fixing the situation on my own but keep getting turned down. I have gave loans and pmbulls opened in my name that I did not authorize and I also have numerous of credit inquiries that I have not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Payday loan, title loan, or personal loan (Installment loan) with DISCOVER BANK (MN).
Issue: Struggling to pay your loan

Complaint: I 've advised Discover of the financial situation I am in. If I 'm just one or two days late the calls start up.. at least 4 times a day m-f.. I 've told them I 'm aware of the situation and would like the calls to stop. I 'm assuming they are robo calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I recently financed a computer from asset acceptance. I got a few weeks behind. They started calling my phone like XXXX 5 times daily. Then they started showing up to my house. What I did n't know is they are rent a center. Which if i would have known I would not have done buisness with them.That 's false information to get peoples buisness. They are coming to my house banging on my door when I have a door bell. Talking loud enough for my neighbors to hear and trying to embarrass me. I 've tried contacting corporate they are not trying to work with me they just want their stuff back then ill be out of my money I spent.This is how they do consumers in order to make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: My husband and I disputed many accounts and inquiries on Equifax, XXXX and XXXX in XX/XX/2017. They had 30 days to investigate and prove the accounts belong to us by sending us original contracts for each account. They have failed to do so therefore, by law they must remove the accounts we disputed which they have not. It has been about 90 days. This has damaged our credit and we would like help. Please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (AZ).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XXXX XXXX, 2017 I made a payment via the IVR in the amount of {$38.00}. I noticed that Synchrony Bank drafted my account twice causing overdraft and my mortgage payment to bounce. I called synchrony and they stated they 'd mail a check with 2-3 weeks. That is simply not acceptable. I live paycheck to paycheck and ca n't wait 2-3 weeks for a refund. They stated that only one payment was set up thru the IVR and could not tell me how the other payment was made other than automatically. I did not authorize 2 payments and only submitted my bank account information once on the call.

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 02/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Since my bankruptcy discharge, XXXX XXXX, 2016. I have disputed incorrect information on my credit reports through all XXXX major credit bureaus multiple times online over the past 3 months. This is becoming very frustrating and although all XXXX CB 's with each complaint, did slightly alter some information such as " chapter XXXX '' when I filed chapter XXXX, the post bankruptcy reporting is not per the Fair Credit Reporting act. All XXXX of the accounts still showing as negative, charged off, are keeping my scores in low XXXX 's. As well at my debt to income isnt accurate. Please assist me in this step of my attempted credit repair?

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 03-12-2017 about Mortgage (VA mortgage) with MONEY SOURCE, THE (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Refinanced a loan that I currently had with The Money Source Inc. I was told after all was said and done that my mortgage would be {$21000.00} from a previous {$2400.00} after I asked several times about insurance and taxes in which XXXX assured me that they were looking at everything and that would be my total payment. When I received my new payment which was in fact {$2300.00} which saves me about a XXXX dollars but added XXXX to my mortgage. I immediately called and was told it was a mistake and I would be getting a new payment booklet with my correct amount. Never received a new payment amount so called again and was told by XXXX that there was an underestimate on my taxes and my insurance was never entered which made the difference in my payment amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: While checking my credit report I noticed Diversified Consultants, Inc. reporting a negative account with a balance of {$300.00}. I immediately disputed this with the credit bureaus and then I received a letter, which is attached, claiming to be collecting for XXXX. I sent a letter, which is attached, requesting they verify this alleged debt on XXXX, XXXX 2017. As of today I have not received any response. The letter was sent USPS Certified Mail with Return Receipt, also attached, and was received by Diversified Consultants Inc. on XXXX XXXX, 2017. It has been nearly 60 days since they received my letter and I am now demanding they delete this account from my credit report since they can not provide proof nor respond to my letter in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Filed a complaint with Experian about some unknown accounts on my report and I asked to see some verifiable proof ( an original consumer contract with my signature on it ) about those accounts. They just simply updated those accounts as verified and never sent me this verified proof that I asked and sent a letter stating that the XXXX account would not be re-investigated again.I also noticed a XXXX inquiry on my report and I never applied for any XXXX card before.

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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WAKEFIELD & ASSOCIATES, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: After reviewing my credit report, I noticed several mistakes. There were names and addresses that I do not go by for starters. Also, the accounts that reported to collections were medical bills. I was always covered under my parent 's insurance, and the balances shown on my credit report were inaccurate. There were several companies that I did not recognize or sign a contract with. I did not agree to pay the interest tacked onto my bills either. I requested an itemized statement and contract, but never received either. Instead I received one generalized collection letter that explained nothing! I disputed these errors with all 3 credit bureaus, and only a few were resolved. This is extremely frustrating for me because my credit has been significantly hurt because of these errors of medical billing offices. I have exhausted all efforts in resolving these accounts, and they wont even send me supporting documents to their claims. If they can not provide adequate paperwork, then they should remove this off my credit as the Fair Credit Reporting Act regulates.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Caliber Home Loans, Inc. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: 1. XXXX county court docket. On XXXX XXXX, XXXX a XXXX XXXX is filed to foreclose the mortgage. On XXXX XXXX, XXXX Plaintiff files motion for summary judgement & to re establish a lost instrument. But then on XXXX XXXX, XXXX almost a year after filing the foreclosure plaintiff claims to have found loss instrument ( original note and mortgage ). Per Florida Fair Foreclosure Act Plaintiff must show is legal owner of promissory note that borrower signed at closing promising to pay debt. On XXXX XXXX, XXXX at final judgement granted by non jury trial plaintiff attorney shows me forged instruments note, mortgage. There is only XXXX original note & mortgage which are the ones signed at closing and these are not the ones I say with 100 % certainty and further prove it with a forensic examination report I have in my possession and Plaintiff has been provided a copy of. Per Florida statute XXXX a person is not liable on an instrument unless the person signed the instrument which I did not and a felony of 3rd degree. Some additional info provided above thru research. 
2. This original XXXX mortgage loan acquired by XXXX was insured and has been paid and collected upon one time. Plaintiff has been trying to collect a 2nd time on a mortgage that has already been paid to them by insurance long time ago.

Company response to consumer: Closed
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been trying to resolve this matter with XXXX since XXXX XXXX without success I have requested validation/ verification of account/debt the company or credit bureaus have not submitted me with requested documents to support account/debt ; nor has this negative account been removed from my credit file. I do no have a contract with them ; nor am I responsible/ liable for the account/debt form this company in the amount of. My desired outcome is a settlement. The settlement offer is removal from all credit files and cease/desist all further collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: CheckSmart is trying to locate my nephew. They have me listed as a contact. I told them to stop calling me. They said they would take me off the list, but they still are calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: on or around last month i mailed experian the letter from XXXX XXXX XXXX  regarding a paided collection on my file acct. number XXXX ... ..the letter stated from the company stated paided in full. to this day it has not been updated and removed from my file.. also account XXXX from XXXX is not updated as in balance and last payment ..and also incorrect as far as late payments..no late should be listed..

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 06-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (VA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I hit a financial low in XXXX 2016. This card was active and paid on time, but USAA closed the card due to my having a charged off loan with them, even though this account was in good standing. I am having trouble maintaining the payments. I was recently offered to have a late fee removed, but that was it. I have explained my hardship, but no representative offered any solution to help me be able to adequately repay my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I started at XXXX XXXX XXXX in 2002 in XXXX VA. They made me use my parents income even though I did n't even live with them. Some how I ended up with 4 separate loans and I had no ideal what I was getting myself into back then. The loans went to XXXX first which is the company that used my social security number to obtain a loan through XXXX XXXX XXXX without my permission. They took that money and paid the government loans off and began adding interest. After several years they passed the loans onto Navient and added more money.Now Navient is telling me that I still owe the government and that As of now I owe them XXXX in accrued interest. And every payment made has to go to the interest and fees first before the principal amount that was originally borrowed. Thats so that they will still have a large loan amount to add interest to because if the loan amount were smaller that would be less interest for them to add. It is totally unfair to have to pay Navient XXXX for money that I did not borrow. I 've ask Navient for a copy of the promissory note that they claim I signed but I still have not received any proof. Also I called XXXX XXXX College for proof and they have changed names since 2002 and do n't have any information on me because they said that they did n't scan documents back then but they maybe able to find something signed in some storage place where they send old files but maybe not. It 's a complete scam from both XXXX XXXX and Navient and XXXX. They are trying to collect money that is n't owed. I dont know what to do! I need help with this to get these loans removed and to file a law suit if possible. And as far as XXXX taking a loan out with XXXX XXXX XXXX with my Social Security Number is complete fraud. They said it was an electronic signature. I bet it was because It was n't me. If it takes giving this degree back to XXXX XXXX College thats fine with me. It 's useless anyway since they 've changed names twice and ripped so many people off. I have never once use the so called degree. I just want my life back. At this point I ca n't get a car loan or a home loan do to my credit being destroyed by these schools loans. If I owe XXXX in accrued interest that is the same amount of my fourth loan with Navient so Technically I should n't have a fourth loan. I 've paid what I owed over these 15 years a long time ago. Please help me prove that Navient XXXX and XXXX XXXX College have committed fraud against me and probably many others. Thank you for any help that you can provide and God Bless.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (KY).
Issue: Loan modification,collection,foreclosure

Complaint: I am the victim of a financial fraud/scam. The perpetrator is now in prison. However, I am having issues, trying to resolve the financial fallout, with my bank ( Wells Fargo ) and Title Insurance Company ( XXXX XXXX ). I purchased an investment property that has a clouded title, but my title insurance company will not provide me with full coverage ( full legal defense ). In addition, Wells Fargo appears unwilling to work with me to unravel the financial damage of this fraud/scam I was a victim of. Please let me know if there is anything you can do to help me work through these issues with the bank and the title insurance company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX is trying to collect an old debit that I had settled with the original company. They have used phone calls repeatedly to try and get the money that I do n't owe to them. Please help me solve this problem. Thanks!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
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: On  XXXX    XXXX   I submitted a dispute requested for the account  XXXX   XXXX   XXXX   ``   XXXX   XXXX   XXXX  '' that was paid {$500.00} and showing  XXXX  balance in collection be deleted from my credit report. No results. Account is still showing in collection with Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Debt collection (I do not know) with R & B Corporation of Virginia (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I checked my credit report on XX/XX/XXXX only to discover that as early as XX/XX/XXXX, a creditor named XXXX XXXX XXXX has been reporting that I owe them an amount in excess of 100 dollars. I have never conducted business with such a company. Additionally, I was NEVER provided a written notice of this " debt '' by the company explaining the amount, when they generated a file on " me '' in their office ( if any ) and any information regarding an original creditor. I received NOTHING. My consumer rights have been violated as it is required under FDCPA to disclose these things.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Hello, I promise this derogatory mark is n't mine it was the result of my identity being used by some unknown person. I 've never bought or received anything from this company. I never lived at the addresses associated with it. XXXX XXXX XXXX, XXXX XXXX, 2017, {$6700.00} Thank you. Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I requested all XXXX of my credit reports from XXXX and only was able to get XXXX. I was unable to see the equifax report because my time elapsed and when I logged back in to see it, it said that I had already recited my annual credit report and that I had to purchase it now.

Company response to consumer: Closed with explanation