milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/27/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: A lawsuit was filed against  XXXX   XXXX   XXXX   XXXX  now known as  XXXX   Bank File  number  XXXX  for deceptive and discriminatory credit card practices and now Midland Funding LLC is using deceptive tactics to collect debts. This is not a debt that I owe. Why is this still showing on my credit bureaus?     Collection Agenc y MIDLAND FUND Original Creditor   XXXX   XXXX   XXXX   XXXX   XXXX  Status Open Opened Date  XXXX   XXXX ,  XXXX  Closed Date --  Responsibility Individual Balance {$990.00} High Balance {$990.00} Last R eported  XXXX   XXXX ,  XXXX  Remarks Account information disputed by consumer, meets FCRA requirements Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it 's going to stay on your credit report, but info has been updated to reflect recent activity.     Dispute Reasons Accuracy : This record contains multiple inaccuracies. Please verify the accuracy of all data.   The terms are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Student loan (Federal student loan servicing) with NELNET, INC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I want to dispute the few month period were my payments were late, I just paid off the loan

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ACS Education Services (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: There are XXXX XXXX Loans on my credit report that were all sold to XXXX a while back and all three are still on my credit report despite my dispute with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2015 about Credit reporting () with EQUIFAX, INC. (LA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This account has been in dispute with equifax and XXXX came back with the information verified, which it is not correct. Please review the information below. This entire account should have been removed, it came back verified from equifax so I redisputedit. It came back verified with XXXX. 


Equifax TransUnion Account Details Last Reported XXXX XXXX, XXXX XXXX XXXX, XXXX Creditor Name XXXX XXXX Account Type Education Loan Student Account Status Closed Closed - Transferred Opened Date XXXX, XXXX XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX XXXX XXXX, XXXX Limit -- -- Term -- -- Monthly Payment {$140.00} {$140.00} Responsibility Individual Account. 
Individual Balance {$0.00} {$0.00} Highest Balance {$14000.00} {$14000.00} Payment Status Current Current Worst Payment Status -- Late 120 Days Date of Last Payment -- -- Amount Past Due -- $ XXXX Times 30/60/90 Days Late XXXX/XXXX/XXXX XXXX/XXXX/XXXX Remarks Consumer disputes - reinvestigation in progress Transfer

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (OR).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: My bank does not update to third party apps in real time. I use an app to check my balance that is better than the mobile app. It causes stress when my balance is low.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Mortgage (Conventional home mortgage) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Trouble during payment process

Complaint: This is related to complaint XXXX The issue with Santander has not been resolved. Santander took my XXXX XXXX XXXX payment and applied it to the loan. This shouldnt have happened ; since mortgage payments are made in advance only interest for XXXX XXXX through XXXX XXXX XXXX should have been charged. I was charged XXXX in interest plus an additional partial interest payment of XXXX presumably for XXXX XXXX through XXXX XXXX XXXX dates even though my loan was paid off on XXXX XXXX, XXXX. The XXXX XXXX, XXXX pay off date was confirmed by Santander. This practice is outrageous, deceptive, and if it isnt already, should be criminal. Why is principal and full interest for the month of XXXX being applied to a loan that was paid off in early XXXX, as well as additional interest being applied? 
I request the following : The additional refund outlined below be returned to my Santander checking account no later than end of business Friday, XXXX XXXX, XXXX. The XXXX interest is owed back to me, as this was an interest calculation for the full month of XXXX, and I was already charged a partial interest payment of XXXX. 
A detailed explanation of the partial interest calculation on what ending principal balance- although it should be for the XXXX ending balance of XXXX as well as how many days interest the calculation was based on. 
A full refund of the so called XXXX payoff and XXXX mortgage release fees because of this nonsense Santander is trying to pull.
If Santander does not comply with the above request by Friday, XXXX XXXX, XXXX deadline, I will be sue the bank and go public with this story. 
In regards to Santanders letter dated XXXX XXXX, XXXX it doesnt matter that I didnt contact them to cancel the pre-authorized monthly payment- the payoff should have been calculated on the ending XXXX balance, and not handled such a underhanded manner. Further, I dont believe that it takes ten days to clear a check from a nationally known, reputable lender- another load of baloney.
Taking out the loan with Santander Bank was a terrible experience closing on my home was significantly delayed because Santander kept requesting additional information that had not been previously requested and now closing/paying off the loan has been even worse, as Santander is trying to cheat me out of money. Santander does not treat its customers well and practices incompetent and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX XXXX Bank of America provided an Escrow Analysis Statement that showed I had a shortage of {$820.00}. On XXXX XXXX I went into the Branch and paid the Escrow shortage in full, which then reduced my payment by {$46.00} a month. On XXXX XXXX, BOA produced another Escrow analysis Statement showing an increase in Escrow payments and an Increase in mortgage payments. In XXXX I was a victim of Mortgage Servicing FRAUD by Bank of America due to BOA Increasing my escrows by {$2000.00} a month for Property Taxes " I did not owe '' ( as confirmed by the Independent Foreclosure Review ) on this very same mortgage. It appears their pattern of inaccurate Escrow Analysis and Payment changes have begun all over again!!!!

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 02/16/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with FIRST NATIONAL BANK OF PENNSYLVANIA (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I have enrolled with XXXX XXXX XXXX and sent out the appropriate paper work as well as informed this company to please stop calling my workplace and threatening to attach wages and litigation processes.

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 07-11-2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX XXXX, a solar company ( not in business anymore ) sponsored by XXXX Bank scam me into buying a solar panel for {$7900.00} when it was supposed to cost me close to {$4000.00}. Since I was not working at the time I never thought that XXXX will ever approve me with what they were promoting as a Home Project XXXX Card much less for {$3900.00}. To my surprise, I was approved not for the {$3900.00} that the project cost but for {$7900.00}. I called the solar company and I was inform to make the first payment, wait 30 days and that after that they will straight everything out. When I call them again after 30 days, they were out of business. XXXX was not help at all. They said I must pay the full loan or they will report me to the credit companies. They did. 
In XXXX XXXX I got a collector 's letter from XXXX XXXX XXXX XXXX, XXXX. They said I own {$10000.00}. I respond them to prove me that I own that money. They never respond me. 
In XXXX XXXX I got another collector 's letter for the same amount, this time from Resurgent Capital Service XXXX. I did ask them to prove me I own that money. They never responded. 
Since these collectors never responded, I did assume everything was Okay. 
Well, I am working now and want to start my own XXXX business and to my big surprise and disappointment, when checking my credit score it was in the low XXXX. The XXXX report from XXXX XXXX shows the XXXX loan shown as charged-off ( bad record ) but also shows a collection for {$10000.00} from a LVNV Funding LLC XXXX, collector company I never heard of, where it state that the originator is XXXX. To make matters worst, the loan has a date opened of XXXX XXXX, 2 years and 4 month after the XXXX loan was approved. 
I understand that it probably was my fault that I fell for the scam to begin with, but whatever I did wrong, I did it in good faith and with no intention to hurt anyone. These companies, XXXX and its accomplices, the collector blackmailers all they want is for me to pay for a wrongful loan generated by a corrupt bank or my credit history will be ruin, which already is. 
Now that I want to something good for myself and others, I found my hands are tight by a bunch of crooked XXXX scammers where my only option is to pay my ransom ( {$10000.00} ) or else. 
All this information is documented and should you see that you can help me, fact that I will very much in appreciation, please let me know so I can have some hope for my future. 
Very truly yours, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: EQUIFAX HAS OUTDATED IDENTIFYING INFORMATION ON MY CREDIT REPORT WHICH NEEDS TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Checking or savings account (Savings account) with KEYCORP (MI).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Key Bank I am a 50 % beneficiary ( Proof of Death ) on my mothers bank account. I provided a certified death certificate and the bank will not issue the 50 % balance. They stated that Key Bank policy is to require both parties must be present in order to distribute and close my deceased mothers account. I have done the following to remedy this issue.
Call customer service number " multiple '' times and logged complaint Bank XXXX Ref # XXXX one example.
Request customer service to escalate to corporate and they stated this was a branch decision. When to a second branch office and they stated the same policy.
Request the contact information for the Key Bank Compliance Officer an was denied information. Request that I send a e-mail my complaint in a e-mail which they to forward and they denied this request as well.
My mother had accounts at other financial institutions and I was able to withdraw my percentage without have other beneficiary present. ( i.e. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AFNI INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I've pulled my report and find an XXXX XXXX account on it. I never had it. I have no bills with them. Please have this taken way. They say I owe {$290.00} on my credit report. Have them stop it please. I will not attempt pay them unless they can " prove '' I was a customer. Do they have phone records? NO. I was not.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX account XXXX ... last four of social security XXXX, D.O.B. XX/XX/XXXX - XXXX XXXX. <P/>On XX/XX/XXXX XXXX reported a balance of {$12000.00} to XXXX. To XXXX they reported a balance of {$15000.00} for the month of XX/XX/XXXX. On XX/XX/XXXX I recieved a settlement offer that states the balance as {$16000.00}. To XXXX they reported the account as opened with a balance. To XXXX they reported the account as closed with a balance. To Equifax it was reported closed with {$0.00} balance/paid in full. <P/>Also, the payment history was different on all three credit reports and XXXX and XXXX  allowed, and continue to allow XXXX XXXX to make corrections, that still end up being wrong information, and making my credit score go down every time they change the information/ update it as opposed to deleting the account per fair credit reporting laws. <P/>My credit score went down again in XX/XX/XXXX because XXXX and XXXX continue to allow XXXX, XXXX to update, as opposed to DELETE as I have requested. This information on my credit file should have been deleted months ago due to fair credit reporting laws regarding reporting erroneous/inaccurate information regarding balance, account status, and incomplete/inaccurate payment history that has been reporting for almost a year now on my report. No matter what proof I send to the credit reporting agencies regarding XXXX 's erroneous information, the three credit reporting agencies refuse to delete the account and that is not right or fair. <P/>I have disputed, with proof of the mis-information XXXX has been reporting to all three credit bureaus. Equifax now has it as a closed, but per fair reporting it should be deleted from all three credit reporting bureaus. <P/>XXXX, when you provide information to a CRA, you have obligations under the FCRA to ensure the accuracy of the information you furnish. As a rule, its illegal to report information that you know or believe is inaccurate. You have " reasonable cause to believe '' that information is inaccurate if you have knowledge, other than allegations from the consumer, that would lead a reasonable person to doubt the accuracy of the information. FCRA Section 623 ( a ) ( 1 ) ( A ) you can not, under any circumstances, report information the consumer has told you is inaccurate if it is, in fact, inaccurate. FCRA Section 623 ( a ) ( 1 ) ( C ).

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I RECEIVED A CALL FROM MY RECEPTIONIST. UPON ANSWERING THE CALL, THE CALLER IDENTIFIED THEMSELVES AS PORTFOLIO RECOVERY AND THAT THEY WERE ATTEMPTING TO COLLECT A DEBT REGARDING A XXXX XXXX ACCOUNT. I INSTRUCTED THE CALLER THAT THEY WOULD HAVE TO CONTACT ME WHEN I AM NOT AT WORK.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-02-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: Navient began by repeatedly calling from various numbers. A complaint was filed XX/XX/XXXX # XXXX. They continue to call-the numbers are blocked but still show that someone has tried calling. XX/XX/XXXX XXXX from XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXX. These calls are AFTER they agreed to cease calling! 
They have been directed THREE TIMES to CEASE CONTACT with XXXX COUNTY and yet they continue to fax various departments that have no access to the information they are requesting. 
This is impacting my employment! If I lose my job THEN WHAT?????

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have had a mortgage with XXXX and with SPS Loan Servicing Inc since XX/XX/XXXX 
I had a complaint which I submitted to CFPB in XX/XX/XXXX which was never resolved. 
I signed a Mortgage Modification with XXXX in XX/XX/XXXX and then subsequently with SPS Loan Servicing in XX/XX/XXXX. I have stated to the mortgage holders that my signing modification documents would not alter my claim against XXXX and this claim was initiated before I signed any modification agreement with XXXX and subsequently SPS. 
I am disputing any arrearages that SPS is now claiming from me because they have not addressed my past claim against XXXX. Please see enclosed letter dated XX/XX/XXXX wherein I have stated that XXXX capitalized our mortgage balance by {$170000.00} since XX/XX/XXXX which outlines the basis of my claim. My past claim number with CFPB was XXXX and it was not resolved with XXXX. I have substantiated these amounts with bank statements and escrow statements from XXXX and submitted them to XXXX. It was my understanding that XXXX submitted the documents to SPS when SPS assumed loan servicing of my loan in XX/XX/XXXX. According to my records, XXXX and SPS owed my mortgage account the amount of {$100000.00} for capitalization of erroneous amounts from payments not credited, excessive interest charged, and excessive escrow charges to the account. 
I have another dispute with SPS in that they have sent me a Cancellation of Debt Notice for {$210000.00} for the year XX/XX/XXXX. I have received a letter from SPS regarding XXXX on my loan for which I did not qualify and for which SPS granted the amount of {$71000.00} and not {$210000.00}. I have requested them to correct the debt forgiveness amount and so far I have no cooperation from them. 
Please see enclosed documents substantiating my claim against SPS. 
They have been submitted to your office in the form of a scan. 
I am requesting SPS to immediately correct the debt forgiveness form and to credit my mortgage account with the amount I am claiming since XX/XX/XXXX when I first contacted XXXX regarding this matter. My former CFPB claim number was # XXXX. 
Respectfully submitted, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I field a complaint due to inaccuracies reported on my Credit Report. The inaccuracy had negative effects on my score and consequently on my relationship with said creditor and others as well. I was unable to funding with creditors. 

I requested that the item be removed if the inaccuracy was verified. 

The inaccuracy was verified. Proof of the inaccuracy is that the Credit Reporting Agency made an update to my account. 

The acceptance of inaccuracies on my report due to my dispute should have the consequence petitioned on said dispute. The inaccuracies have had negative effects which need to be repaird as asked for in the dispute ; Removal of Account.

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 11/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (SC).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: Citi/XXXX cards is 6 months past due and according to company the debt has been charged off. The last statement received had a due date of XX/X/17. I called the company before the due date to request a payment solution as stated on the statement. The company representative stated during the call that there was nothing they can do with the account since it was under review. Apparently, during a review Citibank will not discuss payment solutions or even take a payoff over the phone or web. My only option was to send a check to a company address and hope for the best. I escalated to a manager to speak with internal contacts. They refused to provide contacts to assist with a payoff plan in order to have the issue settled before the due date. I can provide the statement as backup to this complaint. I do not think an account should be locked out and possibly sent to an collection agency if the customer is seeking to resolve the issue at hand.

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