milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-03-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (MI).
Issue: Account opening, closing, or management

Complaint: I opened a Citibank Account Bank Checking account with a {$400.00} bonus promotion offered if I deposited {$15000.00} within 30 days of account opening. I met these requirements, I opened the account on XXXX/XXXX/XXXX. {$15000.00} was deposited into the account by XXXX/XXXX/XXXX. I should have received the {$400.00} bonus by XXXX/XXXX/XXXX according to online customer support. I never received the {$400.00} bonus.

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 11/20/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This would also relate to cfpb case numbers : XXXX & XXXX, filed against XXXX. 
On XXXX/XXXX/XXXX, I contacted " XXXXXXXXXXXX '' to notify them that my mortgage account being serviced by XXXX XXXX XXXX, XXXX was paid in full on XXXX/XXXX/XXXX by wire transfer, with such enclosed documentation so that my credit report could be updated and consequently improved. However, XXXX XXXX 's email response on XX/XX/XXXX was that I needed to initiate a dispute, which was effectively immediately done through their very restrictive website prohibiting ways to adequately formulate the nature of the complaint. Today, through EXPERIAN 'S report number XXXX, dated XX/XX/XXXX, it refutes my claim that the mortgage loan which XXXX had been servicing has indeed been paid. In fact my newest credit report dated XX/XX/XXXX, my order number : XXXX, shows the real estate accounts with Experian ; XXXX and XXXX remain at {$170000.00}. And to make matters even worse, the report also indicates that my credit scores with Experian and XXXX have been lowered to XXXX from a high of XXXX most recently, and probably XXXX will soon do the same. 
This is vexing and extremely humiliating since I have gone to extraodinary lenghts to pay off the mortgage loan to XXXX for an overall sum of {$170000.00} on XXXX/XXXX/XXXX, plus additional closing cost of {$16000.00} and an addtional remittance of {$2900.00} for taxes for which an escrow account already existed with XXXX. The closing could not be effectuated if I had not disbursed that sum of money for real estate taxes. In total, in order to safeguard a good credit report, I sold my house for {$180000.00} on XXXX/XXXX/XXXX and which I paid for on XX/XX/XXXX in the amount of {$230000.00}. But the damages to my credit report continues because, Experian will not amend the report to show full payment of the loan and on top of it, the newest report shows payment latenesses on XX/XX/XXXX and XX/XX/XXXX, when XXXX was informed that the loan was due to be paid in full in XX/XX/XXXX and for which it provided a PayOff Quote Valid Through XXXX/XXXX/XXXX for {$170000.00} but which it ultimately increased to {$170000.00}. EXPERIAN is acting in bad faith and does not show any concern for the right of the consumer who attempts, even through incredible financial losses, to maintain an honnest and credible financial status. When the financial mortgage sector had collapsed in XX/XX/XXXX, I could have foreclosed on that loan but decided against it, despite numerous legal advice, in order to preclude such a negative notation in my overall credit bureaus rating. But instead, the response is absolute contempts by the credit bureaus. I demand that these wrongdoings by Experian and the other credit bureaus be immediately corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (WV).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have a loan on a vehicle and my payments are {$430.00} ally financial is saying that I am {$45.00} past due and I have records from bank to show payments was deducted

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 03-11-2017 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I am unable to access my free annual credit report online. I have tried several browsers and different computers on more than one internet connection. Each time, I receive an error stating, " A condition exists that prevents us from being able to accept your request at this time, '' with further instructions to call or mail in a request for the report. Those options do not meet my needs. I would like for this federally mandated program to work, as described and as advertised. I am not comfortable mailing my SSN through the mail or typing it in to an automated phone bank. I do n't care to wait 4-6 weeks for my report, when it should be available to me immediately via the web.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX This letter is a formal request to block/correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX {$10000.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Closed : XXXX XXXX, XXXX XXXX Closed : XXXX XXXX, XXXX {$380.00} Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. 
. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.

section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. 




XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been getting XXXX to XXXX or on some days more phonecalls from Portfolio Recovery. They call sometimes beginning at XXXX XXXX in the morning and sometimes after XXXX on a given day. My wife works XXXX shift and we do not need them to be calling us that many times. I feel that is Harassment!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: since XX/XX/XXXX, there has been a freeze by XXXX on my credit file.i can not buy anything, my report either shows i do not exist or all o.over 40 calls to XXXX and they tell me it is not frozen.they sent me to trusted id and over 30 calls and i still can not get my credit there.i have been to three car lots and always get the same answer.i had one preson at the freeze department of XXXX have me send in copies of my id.no help as there is no freeze they say.out of the over 40, around 15 say XXXX had frozen my credit due to security breach, they said they were taking it off with no change.one gave me a confirmation number and when i called back it was a made up number.i do not know what to do i have exhausted every opition i know of.please help i do not know who to call or what to do.i do not want to lose my home or cards as they monitor credit.thanks for any help i am pass frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Fein, Such, Kahn & Shepard, P.C. (NJ).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: I was paying Fein, Such, Kahn and Shepard a XXXX a month payment since XXXX/XXXX/XXXX. In XXXX XXXX I ran into financial issues and called them initially to stop the payments. A paralegal named XXXX stated that I needed to write a letter. I wrote a letter and stating I needed to stop payments until XXXX of this year. They claim they tried to contact me and sent me letters. I verified that they did receive my letter and they still seized y bank account in XXXX XXXX even though I had been paying them and wrote them a letter. After I spoke to XXXX he said I was in default when I did what he asked. They then tried to continue payments even after he told me I was in default and that they did n't accept my letter. When I called the court they told me the lawyer also re-filed against me for XXXX when the original debt was only XXXX and I had paid down XXXX of it. XXXX could not explain why an additional XXXX was added to the debt only blamed the court for filing it wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit card or prepaid card (General-purpose prepaid card) with First Data Corporation (NY).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: There is a {$500.00} charge on the card for a money transfer service I purchased from a third party that never happened but they debited my account. Wanted start a dispute. Money Network agreed but they said they had to send me a form to sign first. Never received such a form.
 XXXX 
Also contacted them by sending them a letter, still no response.
 XXXX 
I have no idea what their intentions are.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Debt collection (Federal student loan) with Diversified Consultants, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX - Diversified {$250.00} collection from XXXX XXXX account. Never new until popped up as delinquent on credit report. I had Moved apartments as of Court order XX/XX/XXXX. I had notified XXXX XXXX XXXX from XXXX XXXX and am set up to use XXXX XXXX. Apparently I was set up with a new account and my account stayed going at old Apartment. XXXX has made it clear they are sorry and have helped out with discounting services already. They unfortunately have their hands tied with removing this, being it was sold to Diversified. They have given me a notice with the Name of '' XXXX XXXX '' and a balance for XX/XX/XXXX & XX/XX/XXXX. Yet I have explained in every phone call and mail in attempt and yet the same response is given. 
ANSWERS : Phone : They will look into/investigate the claim and Ill hear an answer in the mail. ( which is the XXXX XXXX XX/XX/XXXX & XX/XX/XXXX ) Mail : No response What so ever. I have had to call after waiting 45+ days. Then the routine starts all over with me calling in.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Consumer Loan (Installment loan) with Prosper Marketplace, Inc. (NC).
Issue: Taking out the loan or lease

Complaint: I provided all of my personal info and was told that I was preapproved for the loan. I then applied and provided all of the required documents. I was told it would be a few days before i heard something. A week later I called to inquire and was told it was n't a problem. Another week pass and I was call and asked some questions. After that my account was close and I was denied the loan by email and could not log into my account for an explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Debt collection (Federal student loan debt) with National Recoveries, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: National Recoveries Inc. XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX US Dept of Education National Pmnt Center XXXX XXXX XXXX XXXX GA XXXX XXXX 2017 Without notice, written, verbal, or otherwise my pay from my job way immediately garnished for $ XXXX each payday every two weeks ( minimum of {$310.00} per month ). I have sent two notarized affidavits to both entities citing FDCPA violations, CA state civil code and consumer protection laws violations, requests for original contract verification for proof of claim/debt. Requests/affidavits were sent certified return receipt mail with proof of delivery etc. Absolutely no response received back for two months now. They have violated FDCPA and CA civil code/statutes in multiple ways and have not proven contract/proof of claim. Very financially hard to be experiencing this unlawful experience. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2017 about Student loan (Private student loan) with AES/PHEAA (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: XXXX   XXXX ,  2017 I am su bmitting this updated request because you are able to help us in so many ways. Although, there are some big companies who are not cooperative and would not help, the way you do but at least you are able to let them act partly on our complaint and grievance.   The last complaint I filed is about our private student loan with National Collegiate Trust, being serviced by  American Education Services.  My request was for National Collegiate Trust to lower our monthly payment because we have overpaid, National Collegiate Trust for so many months and years. By  XXXX   XXXX , 2017, they are expecting a payment of {$300.00} plus. I was paying them for {$150.00} dollars w hich American Education Services have accepted for more than 5 years up to this date.  The reason wh y, National College Trust  was overpaid, is becau se American Education Services did  not record our payment to each individual private loan. So, the  XXXX   XXXX   XXXX  ) of the private student loan from   XXXX   XXXX    XXXX ,   XXXX   XXXX   ,  and another student loan fro m National Collegiate Trus t /  XXXX    XXXX   XXXX    Collection agency  went on default.   All our payment went to this private student loan, disbursed on  XXXX / XXXX / XXXX , this is loan where all our payments was recorded and remitted to National Collegiate Trust. And this student loan of  XXXX / XXXX / XXXX , is also owned by N  ational Collegiate Trust.
We are appeased by American Education Services of the payment of {$300.00} for the time being, by    giving us  XXXX  forbearance monthly payment for  three ( 3 ) months of  {$50.00} for  XXXX  2017 for  XXXX   2017,  and for  XXXX   2017.    By  XXXX   2017,  we are expected  by American Education Services to pay, {$300.00}. This big amount we can not afford, beca use even as of this writing we do not have fund to pay our monthly home amortization and our other very urgent bills.   I would like to include and I am attaching a supporting documents about the lawsuit, filed by student against National Collegiate Trust, and we are very thankful to  XXXX , that we are included in the settlement for this lawsuit. Please help us negotiate with National Collegiate Trust an d American Education Services,   to allow us to pay, an amount of {$150.00}, the previous amount, we use to pay since, year  XXXX , up to  XXXX   2017,  We have completed the payment for the forbearance amount of {$150.00} for the  three ( 3  ) months they have granted to us,  XXXX   2017  to  XXXX   2017.    Thank you for all your help.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
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 or about XX/XX/XXXX I discovered that Experian was reporting an alleged Bankruptcy on my credit report known as : BANKRUPTCY CHAPTER XXXX-FILED, XX/XX/XXXX, {$0.00}, XXXX, XXXX XXXX XXXX XXXX, no further information was being reported at that time, no name, no address, no amount, no social security number, no date of birth which is required. There is NO mentioned whether this alleged Bankruptcy was dismissed or discharged which clearly proves it at best is an incomplete filing therefor violating both State and Federal Law. 

On XX/XX/XXXX I sent Experian a letter ( see  attached ) using Certified Mail and not only disputing this erroneous filing I requested validation of where the information came from in the first place and that it be validated with the Court who is the ONLY ones who can legally validate it. The response I received from Experian was they verified it with XXXX XXXX. I contacted XXXX XXXX and they replied telling me that there is NO information in their system with regard to this alleged Bankruptcy ( see enclosed letter from XXXX XXXX ). It 's important to note here that NONE of the other Credit Bureaus are reporting this erroneous reporting ( see attached Credit Reports from XXXX & XXXX ). 

In the event I need to file a Federal Law Suit in order to get Experian to remove this erroneous filing I thought it wise to contact the Federal Bankruptcy Court to see what their policy and procedures are when supplying information to Experian and their reply letter to me was very clear that they DO NOT supply Experian with any information. 

On XX/XX/XXXX the ( 3 ) main reporting Bureaus, XXXX, Experian and XXXX agree as part of a settlement with several Attorney Generals throughout the Country agreed to insure accurate and complete reporting including, name, address, social security number, date of birth and were ordered to delete any files that were not in compliance. Not only is this filing erroneous it is missing ALL of the above mentioned requirements and there is nothing saying wether this alleged Bankruptcy was discharge or dismissed nor is there a dollar amount which is also required. 

I respectively demand that Experian delete this erroneous filing and send me a letter of that deletion for my files. 

Thank you for your kind consideration. 

Respectively, 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 02/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am having a problem with Experian Credit Monitoring. I can not log in to my account online- when I try to reset my password, I get a message that they are unable to perform that service at that time. Whenever I call, the automated system tells me the wait time is over an hour. I have waited on hold to no avail. I have sent an email to the customer service email provided and have gotten no response. I am trapped in a monthly payment and can not access my account or cancel the service. I originally just wanted to unlock my online account, but given this horrible customer service, I now want to cancel my membership. I can not imagine trying to contact them if I had an actual credit breach issue.

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 10-11-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (LA).
Issue: Struggling to pay mortgage

Complaint: I have a previous complaint in and I just received correspondence from my mortgage co in regards to your submission to them. I need to do an additional complaint because the letter from my mortgage co states that one of my reasons for asking for help was due to my stating that I had unexpected medical expenses due to my father. That is indeed one of the reasons that I listed to them when I asked for help several months ago. The letter from them also states that I did not provide details as to the timeframe the medical expenses occurred, whether or not there were additional expenses after XXXX 2017 and  if the expenses were recurring expenses. I have been practically begging and submitting applications and appeals to my mortgage company and they never once asked any of the above statements when I was denied. I would have provided any info that they asked for but they did not ask any of the above. My account was even assigned a personal relationship manager that I talked with on a few occasions and I was not asked any if the above questions. The letter that I just received today from them also states that in order to review the account for further mortgage assistance, a new RMA package must be filled out in which they state is enclosed. Its not enclosed.They enclosed their answer letter and mortgage papers that dates back to about 4 or 5 years for some reason. I had to get out of bed which was not easy because Im really not feeling well and apply for assistance. I dont have a computer at home so now I have make it to a computer again to print and and send them more documents that was not enclosed as stated.I also applied for mortgage assistance on I think Monday because Im now on XXXX XXXX  for two weeks due to XXXX XXXX XXXX XXXX due to XXXX. I have medication that I now have to take which costed me almost {$300.00} for my XXXX XXXX XXXX which is a recurring expense for the long term. I submitted my urgent care visit, my doctors visit and the cost that I paid for my medication with my most current application for mortgage assistance.

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