milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with Avant Credit Corporation (AK).
Issue: Problem when making payments

Complaint: In XXXX 2017 I began a payment plan with XXXX XXXX XXXX. I notified Avant beforehand that I was going to be working with XXXX and all they said was that XXXX would need to send them a proposal. XXXX did send them a proposal and 6 months worth of payments. In XXXX of 2017 I got a notification that my credit score had dropped. I found out Avant had reported me being {$55.00} past due. I get no statements from this lender and had received no notification my account was ever past due. I downloaded their phone app and logged in and discovered they had been posting fees to my loan and only posting the payments to fees and interest for 6 months. When I called them I was told they stopped communications with me because I had a debit management plan. I reminded them it was not the same thing as bankruptcy and they had every right to be in contact with me and should have notified me of the past due amount and that they were posting fees to my account. I paid the loan off in full over the phone over the following weeks time. They caused my credit score to lower, they charged me excessive fees, and never once tried to notify me of the issue. Not by email, postal mail, phone, nothing. Customers have an expectation that if there is something wrong with their account they will be told about it. I should n't have had to find out via a credit report app on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Hello, I am calling because my Credit report shows derogatory remarks and inquiries that should be taken off immediately. I have reached out to the credit bureaus multiple times and they have yet to take it off. 

My report is showing inquiries from 2015 that should have been taken off. Also, My fed student loan accounts show missed payments, when I am enrolled in an income-based student loan payment program and my payments are {$0.00}. I had reached out to XXXX to change or remove this information and yet it still remains. 

I need these old accounts taken off, especially the ones from XXXX XXXX, that have been closed and resolved. Thank You!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit card () with TD BANK US HOLDING COMPANY (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days late as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Over the past 4 months I have made several disputes with Equifax & XXXX regarding an fraudulent account being reported on my XXXX/Equifax Credit report. In my written and online request I asked that XXXX please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have n't gotten anything from Equifax & XXXX proving the account is mine. Please also note that XXXX has already legally deleted this account from my report. There is no possible way that this account belongs to me.PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The following hard inquiries on my credit report were not authorized by me. I have contacted the companies and Equifax several times via telephone and/or by mail requesting proof of my signature based on the FCRA only to receive a canned response and no proof of my signature. 

XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX  XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Walmart rejected a credit application several months ago. I received a prequalified certificate in the mail in XXXX. I called on XXXX XXXX and asked would an additional credit report be ran and the representative said no. Based on that answer I accepted the offer. 

The application was again rejected and an inquiry was made to reduce my score.

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 03/22/2018 about Debt collection (I do not know) with Pressler & Pressler, LLP (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received correspondence from Pressler & Pressler stating I allegedly owe them another {$2600.00}. I have found errors in their accounting. Per the numbers they sent me, they have collected {$3200.00}. This is incorrect. Just for XXXX alone, they report having collected {$1900.00}. Per my pay stubs on my former companys website, they have taken {$2100.00} from me in XXXX. 

From XXXX to XXXX, they state they have collected {$1300.00}. They have not provided where they got their numbers from and I am unable to verify and reconcile their reported numbers from XXXX to XXXX. The temp agency I worked for at that time does not keep records from that far back. Per the numbers Pressler & Pressler reported, they have collected a grand total of {$3200.00}. This is also incorrect. 

Per their numbers reported along with the records of my pay stubs, they have taken from me a grand total of {$4100.00} and are demanding another {$2600.00}. 

I do not find it prudent to send them any money or fair for them to garnish my wages without proof of debt. They didnt even provide where they got their numbers, as well as refused to provide proof of where the debt is from and have only listed the dollar amounts. If there are errors like this in their records, what is to stop them from making up another dollar amount and demanding more from me in the future after this is settled?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: After the Equifax hack announcement, I applied to their Trusted ID credit monitoring program. According to the best of my knowledge and according to them, I was successfully registered with the program. However, at the time I registered, Trusted ID did not provide me with the means to register a password, nor have they subsequently provided me with a means to register a password, nor have they provided me with a password. Consequently, I have not been able to access and view my account. I have called the company and e-mailed the company to inform them of this problem. To this date they have not responded with a positive solution : I am still frozen out of my account. When you call or e-mail the company, they and their representatives just give you the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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: I sent a request for an account to be investigated in regards to an unauthorized for inquiry. I spent several days speaking to XXXX. They stated the inquiry was not initiated by them even though it is identified on my credit report by all three bureaus. I have contacted them via mail on four separate occasions XXXX. I spoke to them and three occasions. I also informed them it was there responsibility to investigate the unauthorized inquiry as when I spoke to each of the three credit bureaus they referred me to XXXX. On XXXX XXXX they sent me a letter stating they were not responsible for said inquiry and therefor referred me back to the credit bureaus. This same vendor has been successfully sued on several occasions in where this same tactic has been found to be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Late fee

Complaint: My last Citi credit card statement included a late fee of {$20.00}. When I called the company for an explanation, they told me it was for a late XX/XX/XXXX payment ; going on to explain that my payment is due to Citi on XX/XX/XXXX and THEIR records show that the payment was not received until XX/XX/XXXX. 

This puzzled and disturbed me because I had previously set up the payment electronically through my checking account to arrive on time. So, I did some investigating and as you can see from my attached XXXX Bank statement, the funds were electronically transferred to Citi on XX/XX/XXXX with an expected delivery date of XX/XX/XXXX 

Even if, for the sake of argument, the payment did not arrive on XX/XX/XXXX as expected, there is ABSOLUTELY NO WAY AN " ELECTRONIC PAYMENT '' TOOK XXXX DAYS to get to Citi! The company may have refused to recognize it but they did receive it in advance of the due date. I am writing to you because I need your help. Citi has denied my request for a refund both on the phone and in a written letter. And I believe that this is unacceptable! A prime example of a big company taking advantage of the little consumer. Please help me because I NEED my {$20.00}. In this challenging economy, my husband and I are finding it very difficult to make ends meet. Therefore, I must pursue this matter as I can not afford to ignore it. 

Lastly, I would like the company invested to see how many other consumers electronic payments are being " ignored '' so that Citi can charge a {$20.00} " late '' fee. 

Thank you for your assistance, XXXX XXXX XXXX, NJ XXXX Work # : 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 08/15/2017 about Debt collection (Mortgage debt) with CITIBANK, N.A. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a Citibank HELOC loan and it is scheduled for automatic payment each month by direct transfer from my checking account. There was an adjustment to the loan amount and the interest is variable ( 25 bps below prime ) and as a result of the adjustment the automatic payment was insufficient to pay the amount due. Citibank called and left a message there was a deficiency. I made an additional transfer between accounts to pay the debt. Another call ensued from Citibank the representative ( XXXX : No. XXXX ) demanding payment. ( The payment was only 10 days late, and no written notices were ever sent ). I asked him if he checked his records to see if the payment was made. He said " no. '' He said he had no ability to check records to see if the payment was made or not and that his job was just to call and demand payment. Obviously, this is harassing.

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 12/22/2016 about Debt collection (I do not know) with Dorough & Dorough, LLC (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The hoa attorney tried to add more money to my Hoa account, and using scare tactics to try and get me into a consent order. They-she refused to ever tell me what my true balance was in our settlement talks, I believe it was a lie just to conceive me into signing this consent order, when going over the bill. I never saw a settlement amount in the ledger they sent me. She also further stated her attorney fees was over $ XXXX for an illegal foreclosure that was suppose to voided out however, she still sent me information as though they should have been justfied. I have hired an attorney and plan to take action up with the state bar, and further a lawsuit The Hoa submitted a letter saying that I owed this $ XXXX in fees and when I disputed it, I was told that it would have to be paid to Clear the ledger when I was closing on my home I sold or that I would n't be able to close, the closing attorney informed me to take the action up with them on my own. The HOA XXXX XXXX XXXX refused to give me clear understanding about the amounts, and when question the attorney refuse to answer any of my questions. just kept sending me a copy of a consent agreement. I also was charged unfound fines, that attorney XXXX told me she would have credit back, The HOA seems to be bias and discriminates on people they want to without treating everyone fairly, The old president broke several rules and was never fined.

Company response to consumer: Untimely response
Consumer complaint received 05/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (HI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I hav e the Citibank Double c ash back credit card. From  XXXX   XXXX , there were unauthized charges to my account. I disputed the charges on or about  XXXX   XXXX . I was told I was not going to be charged for these amounts. On or around  XXXX   XXXX , I was credited approxim ately 1/4th o f the fraud charges. On  XXXX   XXXX , my automatic bill pay took a large sum from my bank account, which included {$1400.00} in fraud charges.   
Citibank will not release this money back to my bank account until they " do a full investigation which could take 2 billing cycl  es. '' I want my money back immediately. I 'm prejudiced by not having this money.

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 02-09-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: Citibank had a promotion which stated if you opened a checking account with them and deposited XXXX for one month and XXXX for 3 months they would give you a {$400.00} bonus. I fulfilled all the requirements in XXXX. According to customer service I was supposed to receive my bonus in XXXX. I called in XXXX when I had not received it and they said I had to turn in a XXXX in order to receive the bonus. That was never in the advertisement and fine print and they do n't ask for it until the very end when you are expecting your bonus. I called them again and they said they finally received my XXXX and that I should automatically receive the bonus in XXXX and to contact them should I not see the bonus and they would automatically apply it to my account. I check in XXXX after my statement closes and still no bonus. I send them a message that the bonus still has n't hit my account and they reply back saying they will open yet another investigation into the matter. I feel very deceived and abused by Citibank 's practices that they have not yet honored the terms of the conditions in which I was supposed to receive the bonus as a new customer. The investigation stated I might not receive a response for yet another 30 days which I feel is unfair as I had met all the requirements in XXXX and submitted the XXXX in 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 01/25/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX of XXXX my wife and I contacted our mortgage company, Freedom mortgage, to have them remove the private mortgage insurance we have been paying monthly. Our house is valued at {$400000.00} with an appraisal less then 2 years old. We owe {$320000.00} which would place us at approximately 78.9 % loan to value ratio. 

We sent a written request on XXXX/XXXX/XXXX to have this removed. They replied on XXXX/XXXX/XXXX stating they would respond within 30 days. It is now XXXX/XXXX/XXXX and we have not gotten a response. We have contacted them and they said it would be at least another week for a response. 

Freedom mortgage has already told us in the past they would be using the original loan amount of {$350000.00} to determine our home value, even though we have an appraisal. We took out the loan after saving a substantial amount for a down payment. We would like assistance getting a response from them and ensuring they follow federal law in regards to the loan to value ratio. Our loan is a conventional 30 year fixed rate mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Prepaid card (General purpose card) with NETSPEND CORPORATION (WA).
Issue: Fees

Complaint: When first opened the account there was a preference about whether I wanted to be on fee plan or pay as you go I check the box next to fee plan as I did n't want the pay as you go as it is costly. I looked at my statement on XX/XX/2017 because some transactions were not charging right and noticed they put me on pay as you go when I specifically asked for fee plan so I was charged over a {$100.00} in fees last couple of months. I quickly went into their site and made sure I was put on fee plan once again so far it is still what I requesred. Plus I made complaint to their site and someone who sounded more like a recorded message sent me a message stating what I did again yesterday in picking fee preference again but did not even address my issue with their sites mishap in first place in placing me on pay ad you or offering any kind of remedy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I graduated from the XXXX of XXXX. When I graduated in XX/XX/2008 the housing the market crashed jobs were slim to none to come by. I did manage to find freelance work to make ends meet. I was struggling to pay my student loans. When XXXX XXXX sold to Navient the rates changed on my loans as high as 7.25 % variable rates. I called Navient and they agreed I could pay interest only payments at {$400.00} a month. I struggled for the past 12 years making these payments and yet my loan balance grew greater. 
I had to give up my apartment and move in with my sister. I had to stop my car insurance because of lack of money. I take the trolley to my various jobs. I 'm now paying {$100.00} a month for mandatory medical insurance or I will be penalized on my income tax. I set up payments plan with XXXX but stopped paying {$400.00} a month to Navient. I was starving. I have tired several times to set up a pay plan based on my income with Navient. No one will help me and they have now sent my loan to a collection agency. I tried to set up a plan with the collection agency they said I must pay {$850.00} a month. So it has come down to I must eat first and forced to pay the XXXX medical. This ca n't be XXXX that I was born and raised in.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On or around  XXXX   XXXX  I purchased a new  XXXX   XXXX   XXXX  and financed through   XXXX   XXXX   XXXX   XXXX   XXXX     now known as On the  XXXX   XXXX   XXXX . Due to medical issues and multiple  XXXX  I fail behind on my car loan and the vehicle was repoed in  XXXX  of  XXXX . I immediately filed Bankruptcy that same month and was able to retain my vehicle. Since that time    XXXX   XXXX   XXXX   XXXX   XXXX    aka   XXXX   XXXX   XXXX   XXXX     has continued to report to all  XXXX  credit bureaus that my loan is currently  XXXX  days late every single month, have changed my orginal payment from {$420.00} to {$200.00} a month and reports I 'm past due about {$1400.00}. Once my Bankruptcy was filed they were ordered to cease with all collection activity and to not report on an account that 's covered under the Bankruptcy. I have disputed with both   XXXX   and Transuion for the pass  XXXX  months and the each respond that the creditor verified the account is valid and to take it up with the orginal creditor. I have sent request for each bureau to send my proof to validate the said debt and neither company has followed through with providing me with that I information. Furtvermore, I have provided proof of BK documents and filings proving this loan was covered and that they should have not been reporting anything on this account for the past  XXXX  and  XXXX  months to be exact.

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