milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2016 about Credit card () with U.S. BANCORP (AZ).
Issue: Balance transfer fee

Complaint: I was a US Bank credit card holder for over 12 years. During that time, I have never missed a payment and my account was always in good standing. Last year, I transferred the entire statement balance of {$4300.00} to a different credit card. This brought the balance to zero and I was finished with this card. 
Recently I applied for a home refinance loan and was denied due to a delinquency on my credit report. It was only then that I discovered that US Bank had marked my account as 90 days delinquent for charges of residual interest, which had nothing to do with the original debt. I did not receive any notification or phone call from US Bank stating that I had additional debts to pay off. I paid my monthly charges online through my bank 's bill pay system and did not receive paper statements in the mail. Had I known about these additional fees that caused the residual interest, I would have immediately paid them off, as my goal was to get out of debt to increase my score for a home refinance. 

Once I learned of the residual interest charges, I immediately contacted US Bank. I spoke to a customer service representative who told me to fax a letter to the XXXX at US Bank to explain what happened and to have them remove the delinquency from my report. A few weeks letter, I received a generic letter in response, which had nothing to do with my situation and they let me know that they were not going to remove the delinquency from my report. I called US Bank again and spoke to both a customer service representative and a supervisor. I asked repeatedly if I could pay them the residual interest charges, but the bank refused to help with the situation. I asked them if there was anyone at all that I could talk to or anything that I could do and they would not help me. 
It is extremely frustrating that a loyal customer of over 12 years has been treated this way. I have never been delinquent in any of my credit cards and have always paid on time. After I transferred the balance of {$4300.00}, there was no indication that anything else needed to be done with this credit card or that I needed to sign back into my US Bank account, as I ceased using this credit card. This is unjust and unfair.

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 05/17/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX refuses to remove the XXXX XXXX XXXX Auto Collection Account. I request a reinvestigation and removal of said account as it is too old to be on account. Account was charged off in XXXX XX/XX/2009 and the Statute of Limitations have long since run out. Original case against XXXX XXXX XXXX through CFPB is : XXXX. 

XXXX XXXX XXXX has been served a CEASE AND DESIST letter ordering them to stop all contact with me. At this time, XXXX is still reporting an account too old to be on record.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: There are a bunch of items that are past the statue of limitations listed, these items were disputed and still listed and a bunch of duplication 's. 
XXXX assistance XXXX total, XXXX XXXX XXXX total, XXXX accounts through XXXX XXXX. Please help as this agency is not complying

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Credit reporting () with CORELOGIC INC (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Inquires were made on my reports. I did not authorize this. I sent certified letters with no response or action returned.

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 06-06-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Diversified Consultants be gan reporting a  XXXX  debt to the consumer credit reporting agencies around  XX/XX/XXXX . The debt of {$260.00} was reported as being a delinquent beginning in XX/XX/XXXX . Beside the fact that I owe no debts to  XXXX , there has been quite an issue concerning the collection by Diversified.   First, I was never given written notification that they were collecting on this debt. My first time hearing of it was when I saw it on my credit report, too late to dispute it before it affected my score. I have reached out to Diversified since, disputing the debt. I have also disputed the debt through the individual credit bureaus to which it is being reported.   Diversified has verified to the bureaus that the information is accurate. And to me they sent a bill to prove the legitimacy of the debt. A bill with a total much different from the one they are reporting. The bill theyve sent me is for {$350.00}, while the reported balance is {$260.00}. This is not to say Im claiming that I owe more than what they are reporting, but rather the opposite their own validation documents dont match what theyre reporting to the bureaus. It doesnt seem like this debt collector puts much effort into confirming their own reporting and actions.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have had nothing but problems after getting my student loan through Navient Solutions. They have done nothing but mislead me and borderline lie about the options available to me for my student loans. The only reason I had gotten a loan through them in the first place was because, being a first time college student, I could not get a loan for my education without a cosigner and they accepted my mother as a cosigner right away. They told me that they had income based payment plans for after I graduated, forbearance requests, etc. THAT WAS A LIE. Every time I have called to discuss my payment options they told me the only thing they could do was put me on an automated payment schedule. I have repeatedly told them that my problem was NOT paying on time, but that at my current job I could not afford my monthly payments. They refused to even talk about an income based option or ANY other option I have available besides setting me on automatic payments. It was either I pay the full amount, my co-signer pays the full amount, or I default on the loan. The person then had the audacity to ask me if my co-signer had any assets they would give up to pay MY loan! They also would not give me any significant information without my cosigner on the phone even though it was primarily my loan. I have call logs where they have called me 12 times a day starting XXXX even after I have called to talk with them. After going back to school they promised that my payments would go down to the {$25.00} a month as said in my contract. I even called them ahead of starting classes with my program information to make sure that my payments would in fact go down to that amount and they said absolutely. Now they are saying my program does n't qualify! I would have waited or found another program if they were honest with me from the beginning. The company has mislead me and took advantage of my mother and I knowing I was the first child in my family to go to college and take out a student loan. I warn everyone I know that 's going away to school or with kids going to school to stay as far away from Navient as possible!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-07-2017 about Debt collection (Medical debt) with Advanced Collection Services, LTD (ME).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I am filing for bankruptcy and have told the company this multiple times. I have even submitted a prior complaint, which is what stopped the phone calls and bills previously. I began receiving bills and phone calls earlier this week and called the company ( XXXX/17 ) to tell them to cease contact unless it is through my lawyer. The employee who answered was very rude and, after only giving her the phone number they are using to contact me, told me sensitive information about my accounts.

Company response to consumer: Untimely response
Consumer complaint received 02-10-2016 about Debt collection (I do not know) with SELECT PORTFOLIO SERVICING, INC. (NY).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: SPS sent a letter dated XXXX XXXX, 2016 regarding insurance coverage on my residential property. In the letter SPS indicates it is the mortgage servicer on a certain account number. It is hereby noted that the account has no relevance to us or to our property. There is no signed contract or agreement or any relationship between us and SPS. We have written to both SPS and CFPB about SPS 's absence of authority. SPS has admitted in prior communications that it is NOT the servicer of this account or any account in connection with us or our property ; that SPS has made contractual arrangements with third parties for SPS 's own profit ; that SPS has harassed us ; that SPS has not proved and is unable to prove that we owe any debt. Without proof of specific legal relationship, SPS is an illegal, unlawful " interloper '', without any rights whatsoever. SPS has no authority to " urge '' contact with our insurance agent to advise that the policy should be billed to Select Portfolio Servicing, or to include them as " Standard Mortgagee '', or " ITS SUCCESSORS AND OR ASSIGNS ''. Therefore we ask AGAIN that SPS CEASE and DESIST communication and DELETE this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Debt collection (Private student loan debt) with Student Loan Processing Direct, INC (NE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I n  XX/XX/XXXX i filed for Chapter  XXXX  Bankruptcy, 4 years later i still was struggling and became homeless with  XXXX  children, it was at that time I converted my Chapter  XXXX  into a Chapter  XXXX  Banruptcy in  XX/XX/XXXX  which was granted i also received special hardship cosiderations which aloowed me discharge 2 small student loans for for {$870.00} and the other for {$1100.00} through bankruptcy which I promptly provided to the dept of education as well as the  XXXX  credit agencies,  XXXX ,  XXXX  and   XXXX   which they all updated on my credit file included in banruptcy upon receiving to proper documentation. every couple of years i notice they would re-age the debt and take off that it was including in bankruptcy which has constantly kept me resubmitting the same bankruptcy paperwork to specifically  XXXX  as once again I have noticed as soon as the bankruptcy hit the 10 year mark those same 2 debts were relisted as active debts once again. I dont understand why   XXXX   keeps doing this even after i have continued to provide documentation to the to correct these errors..

Company response to consumer: Untimely response
Consumer complaint received 05/16/2015 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I pulled my credit report on XXXX XXXX, 2015 after being denied a credit card due to my XXXX score being low as XXXX which is impossible only to find that Procollect who has never sent me anything in writing indicating they even had a debt for me has placed more than XXXX collections items on my credit report repeatedly. Some XXXX and XXXX times the same account. This has cause my score to suffer drastically.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Revenue Assistance Corporation dba Revenue Group (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I called the gas company to shut off service at the curb as I had explained that we had already moved & nobody would be there to let them in. They said that would n't be a problem. After receiving this bill, I was told that while there to shut the gas off, a male came to the door & told them not to shut it off, & for some reason, they listened & kept the gas on in MY name. I was never even contacted with any questions or concerns about this matter, they just stuck me with the bill. There is no reason that I should be held financially responsible for a squatter, in an abandoned house, because of the XXXX XXXX Co workers complete negligence, yet when I spoke with a representative, they told me that I am responsible for it. Absolutely not.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian locked me out of the online dispute website stating that I was disputing frivilous information, on XXXX XXXX ACCT # XXXX. Back in XX/XX/XXXX it XXXX XXXX XXXX and the first date of DELQ. was XX/XX/XXXX. As you will be able to see by looking at the XXXX examples that I have submitted for supporting documents It is n't frivilous at all it is a valid claim and I would like the tradeline removed and a new updated copy of my credit report and score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: NONE OF YOUR CATEGORIES FIT MY PROBLEM. 
I am trying to apply for health care. My identity is apparently verified through Experian. I am told I have to lift my credit freeze, for which a fee is charged. I believe there should be no fee related to health care identity verification. I am unable to find ANY TELEPHONE NUMBER THAT WILL CONNECT ME WITH A HUMAN at Experian so that I can try to resolve this issue. I have been unable to find any other source of information about this problem.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/18/2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. ().
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX I made an on demand transfer from my PrePaid Citi US account to my XXXX Citibank currenty account for the amount of {$2500.00}. The money never reachd its destination. This transfer had been performed on many other occassions over the last 3 years with no problems, however this time the money is missing in cyberspace and I find the reaction of Citibank, or XXXX who appear to be doing the investigation as unsatisfactory. It has almost been 2 months that my money is missing, they have acknowledged that the transfer money was taken out of my account and say that this is being investigated but this is really not good enough as I am suffering as a result. This money should be returned to my account and they can deal with their administrative mistake afterwards. This has put me in a very tight financial situation and has left me without being able to pay my bills - I have since received charges from the bank from unpaid direct debits and have had to ask for an overdraft - this is very stressful and upsetting and through no fault of my own.

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 06-08-2016 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (HI).
Issue: Loan servicing, payments, escrow account

Complaint: I am a Mortgage broker and have been work with a family that owns a home on Hawaiian Home Lands. The own the lease, and have a great need to refinance. Their current rate is 6.74 %. 
XXXX and XXXX XXXX have never been 30 days late in paying their mortgage to XXXX XXXX XXXX since XXXX. However, the mortgage was sold to Penny Mac on XXXX XXXX XXXX. You can see the print out from Penny Mac showing a late fee of {$1100.00}. How can this be late when no notice was served?. Attached are copies of checks of payment for the months of XXXX, XXXX XXXX showing all payment to XXXX XXXX XXXX were paid on time. Once the mortgage was sold to Penny Mac everything went sideways. The first payment to Penny Mac show a last fee of {$1100.00} but was never reported late? Attached is a print out from their account with Penny Mac which shows all their payments. 

A late payment ( greater than 30 days ) was reported on XXXX XXXX. That month the payment increased from {$2900.00} to {$2900.00} without prior notice. In XXXX XXXX, they accidentally paid the old payment of {$2900.00}. However, they paid the difference by the end of the month. How can this be thirty days late? We need your help! My clients have called Penny Mac many times and have had no results. WE want to have the late payment removed from the XXXX credit report ASAP. Sincerely, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with I.C. System, Inc. (MO).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I pulled my XXXX credit report and noticed they have 3 variations of my name and 2 of them are spelled incorrectly. I sent a letter to have them update my information to show my correct name and address and to remove all other variations. I received a response to go track down whoever is reporting these incorrect names & addresses. As a credit reporting agency they are suppose to validate that the information they are reporting is correct. If they are allowing someone to report on my credit report an incorrect name and address they are putting me at risk for identity fraud. The other credit reporting companies had no problem updating my information and removing all others. I am not going to chase down 2 companies to find out who is reporting my information incorrectly. If they are receiving information for my credit file that does not have my correct information than that is not my debt. It is their responsibility to make sure its correct. They should be updating my information to reflect what is true and correct so I can not be liable for a debt that is not mine, so I am protected from identity theft. As a credit reporting agency it is their duty to validate and make sure the information they are receiving is valid, verified, and make sure that it belongs to me. Not just take anyone 's word and post whatever someone reports to them. I want all my information updated, corrected and all other variations removed. They are putting me at risk, they are hurting me and my credit report, they are allowing things to be reported that may not be mine if its not my information. I have one name given at birth, I have one birth date, I have one address that is deliverable by the United States Postal Service. Please help me to get this fixed.

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 07/15/2016 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (TX).
Issue: Managing the loan or lease

Complaint: I financed dental work through Care Credit which has a " no interest if paid in full '' by the time limit financing. I was one day late paying the minimum due in XXXX, 2015 and was charged a {$25.00} late fee. Every month since then, Care Credit has charged a {$2.00} per month interest charge ( 26.99 % interest ) on the {$25.00} late fee.The late fee was submitted as an additional amount for the minimum payment due, but Care Credit continues charge the {$2.00} per month interest charge on the late fee. I have now paid {$18.00} for the {$25.00} late fee. Very deceptive practices going on!

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 04/14/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Other service issues

Complaint: In XX/XX/2017 the XXXX of our local community Foundation 501 ( c ) 3 asked me to determine a method where donations could be accepted by credit card. We contacted various vendors and discovered that PayPal offered a discounted rate for 501 ( c ) 3 organizations. We contacted PayPal and were told that we could have a link on our website where our members could key-in their credit card information and, after 90 days, we could get a PayPal Here card swipe to use at our events. We opened, tested and implemented the PayPal account and link to our bank account. 
We just passed our 90 days and requested a PayPal Here card swipe. After two days we received an email denying us. I placed a call today to determine the reason and was told that, based on the information in our application, we would never be provided a PayPal Here card swipe, but that " keyed in '' transactions would be accepted. Since they disclaimed they were recording the call, I also turned on a recorder. 
When I inquired as to " why '' we were being rejected, he simply stated that PayPal does not have to provide the reason for denying us this service. I asked who I could speak to and the supervisor stated : " Let me give you an address to our Legal Department. Hire an attorney and take us to Court ; only a Court can compel us to tell you why we are denying you. '' Possibly this supervisor is accurate ; PayPal can refuse service to anyone based on any manner of subjective or discriminatory reasons. I will wait your response to determine if this supervisor 's response is, in fact, accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (OH).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I recieved a letter from XXXX XXXX dated XXXX XXXX 2015 stating that they 're informing me that they have cancelled the following account from their active collections files and are removing the account from their credit file if it was listed. Client name XXXX XXXX, Account # XXXX, date of service XXXX, balaance {$2000.00}. Signed from their collections department. I kept this letter in my personal records until last week when i tried to get electric services in my name at my place of residence and i had a outstsnding balance for {$2000.00} XXXX referred me to indentity theft.gov which they referred me to consumer finance.gov. when i called online collections they told me they had no record of this on file at all but i clearly have sletter from them stating this information!!!!!! # #

Company response to consumer: Closed with explanation