milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-07-2018 about Student loan (Private student loan) with CITIBANK, N.A. ().
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: I took a student loan on XX/XX/XXXX with Citibank for an XXXX. in XXXX XXXX University. The total amount of the loan was US {$40000.00}. 

After I graduated in XX/XX/XXXX, I returned from NY to XXXX, XXXX, where I currently live. I do not have a bank account in the US. Thus, I made my monthly payments to Citibank with my XXXX  Visa credit card. 

The loan was sold to a company called XXXX XXXX and XXXX XXXX does not receive payments by credit cards ; I do not have a US checking account, XXXX does not work for XXXX, etc. In sum, I was not being able to make my payments. 

In XX/XX/XXXX I sent an e-mail to XXXX asking how to make a payment and explaining the situation. On XX/XX/XXXX I received this response : " We apologize for any inconvenience this may cause you. After review of the account, it has been referred to collections. International borrowers can call XXXX to inquire the next steps. '' I called collections various times and left messages. I also sent another e-mail to XXXX explaining that I was not able to contact collections. Finally, I was able to obtain from collections the wire transfer data in order to send payments. 

On XX/XX/XXXX I wire transfered US {$4800.00}. I informed XXXX. XXXX, however, says they do not have a way of confirming that the money has been received. Collections said on XX/XX/XXXX ( approx. ) that they have not received the transfer ; that it may take a couple more days, and that they will inform me as soon as the money was received ( I gave them my e-mail address, but, although I requested it, they did not give me any e-mail address ). 

Neither XXXX ( despite various e-mails asking the balance, requesting an e-mail for collections and asking which is the authority that oversees collections ) nor collections ( in the phone numbers provided ) have been able to give me an e-mail for collections in order to forward proof of the transfer. 

In sum, I do not know which is the balance, and I will not make further payments until I receive confirmation that the US {$4800.00} were indeed received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Other debt) with SOUTHERN MANAGEMENT CORP. (TN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: They came to my house on XXXX/XXXX/XXXX at XXXX and I explained that I did not have the payment then but was aware of the payment due. My payment is not even 30 days past due. She said that not acceptable. I told her I would pay that Saturday and she would not accept the answer. I told her repeatedly that it is not even 30 days. She said that they would not let me borrow money again and I said that was fine. Then she said she was going to put a garnishment on my check. She said she will be back at my house tomorrow.

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 03/15/2017 about Debt collection (Credit card) with Atlanticus Services Corporation (NV).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: A XXXX called my mom 's home number advising her that I need to contact him immediatley or they are going to garnish my wages and take monies out of my bank account. He left a phone # with an ext., so I called the number and a man answered the phone so I asked for ext.? and he said this is that ext. I advised him I was returning his call and gave him my name and he went on to state I owe {$1000.00} towards a Tribute credit card from XX/XX/XXXX and how do I want to pay it. I advised him I needed something in writing showing I owe this money to Tribute before I pay anything and he became exsremely billigerent towards me threatening to garnish my wages because he knows I owe it. I advised him that I dont have a Tribute credit card on my credit report in collections and he said there company hasnt released it yet and that 's why, so I told him at this point it 's been 7 years and they could n't go after me legally anyway, but I would be willing to pay the {$300.00} he first offered to settle with me if he emailed me the information I was asking for, but he started yelling at me and wouldnt let me explain anything. He said he didnt have time to email me that information, so because I couldnt speak I just hung up the phone. I was in a car accident in XX/XX/XXXX and had to have extensive XXXX in XX/XX/XXXX that put me out of work for 3 months, so I admit I wasnt able to pay the credit cards I had at that time but I did end up paying two of them off because they worked with me. I have never been spoken to like that by any other company represenatative in my life. He was a complete bully and I have been in tears all day because Im scared of the situation. Please help me with this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 02/22/2018 about Debt collection (I do not know) with Phoenix Financial Services LLC (MD).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: On XX/XX/XXXX, I was taking care of some personal business at my credit union and I had a few missed calls. One on the calls had said " Debt Collector '' with no phone number listed. Out of curiosity I pushed the button on my XXXX and there was a lady that answer the phone. When she answered she said is this XXXX XXXX and I said no, this is XXXX XXXX. She stated that she was calling to collect a debt and I told her I don't owe anyone so you have you can't be referring to me I pay my bills. 

She then said, " You owe XXXXXXXX XXXX XXXXXXXX {$230.00} and I wan na know what you want to do with this bill ''. I told her I have not been to XXXX XXXX XXXX. She said we have had this bill since XX/XX/XXXXand I wan na know how you want to pay it. I said, XX/XX/XXXX are you kidding me, first of all I need you to send me a copy of this bill so I can see what it is I am supposed to be paying for. She said we already mailed you a copy twice. I stated I have not received any bills from XXXX XXXX XXXX. She then got nasty stating, " You have a good day '' and hung up the phone. 

I then called back to get information regarding who this company was and she hung up the phone. I then called back about 5 minutes later to find out who this company was and a male person answered the phone and when I told him what happened he hung up on me as well. Neither of them EVER stated the name of the business nor were they professional in ANY way... answering the phone with a simple " Hello ''. I was unable to find the name of the company even through a XXXX search. 

However, on XX/XX/XXXX I received an email from XX/XX/XXXX that there had been a change to my credit report and they suggested I log in to view the change. Then on XX/XX/XXXX I received an additional alert from Experian and XXXX XXXX as well. I logged in on today XX/XX/XXXX because I received an alert email from XXXX as well. When I logged in I notice that there has been a collection account added to my credit report by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, IN for {$230.00} and there is an N/A under the business type. I want this information removed from my credit report immediately and this inquiry conducted in a business matter by sending me a bill so that I can either confirm or deny that this is my bill and get the chance to dispute it as I requested, Whoever this person is that is handling this account I want them removed from it and another who has some business ethics and professionalism so that I can get this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2016 about Student loan (Non-federal student loan) with MOHELA (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: MOHELA - Cash Loan : I am a cosigner. My daughter made a payment at 22 days past the due date on XXXX/XXXX/2016 via phone. I received a call at XXXX Central time today from MOHELA attempting to collect this debt. They did acknowledge that the payment was made on XXXX XXXX and that they could " see the payment in their system ''. However, they could not " verify '' that the payment was made which resulted in the phone call. I asked that they log my concerns regarding this call as a complaint. Loan was for my Daughters education at XXXX XXXX University , XXXX XXXX MO.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have unauthorized inquiries reporting on my Experian Credit report. The unauthorized inquiries are from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX and 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 04-11-2016 about Credit reporting () with EQUIFAX, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I went through a divorce. The court ordered my ex husband to pay ALL remaining marital debt. That time frame would be from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I need these debts removed from my account, because he agreed in court, the judge ordered it, and I should no longer be responsible. This goes for accounts in collections, student loans on hold due to forbearance, and any other remaining debt within that time frame. Also I need to update my name change and address. I will attach all documents.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: XXXX XXXX discharged this debt almost 10 years ago and I periodically get these notices from XXXX XXXX requesting money. Who is this money going to go to since it has been erased by the credit card company. The Midland is predatory and is untruthful stating this is still owed.The amount is for {$35000.00}. I am not paying this as it was not owed to Midland. They are being predatory and are sending me collection letters 10 years after absolution of the debt. They intimate that they will ruin my future if this is not paid. It is threatening and predatory to state this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
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: Existing Problem : I have also spoken repeatedly to different agents throughout this process. The last being XXXX ( agent # XXXX ) and her supervisor XXXX who didnt provide his agent number on XX/XX/XXXX ; however, he stated, because I was sent the confirmation the inquires would be removed and I would be sent a new confirmation letter showing the items would be removed but could not provide a confirmation # before speaking to an agent today XX/XX/XXXX, who told me the last agents made a mistake. He did not research this information. I have provided Equifax with XXXX XXXX contact information, XXXX XXXX is the head contact person at XXXX XXXX XXXX XXXX XXXX. She provided me with the letter sated the credit application was submitted in error. He informed that these items would be removed, not only because I have been dealing with this issue since XX/XX/XXXX. I have a letter that was sent to me from Equifax attached that these inquires have been removed dated XX/XX/XXXX. Since todays date the inquiries are still there. 

Please this process has been time consuming and mentally draining. I have done my part now they need to do theirs. XXXX and XXXX have deleted these items with the letter provided and speaking to XXXX XXXX @ ( XXXX ) XXXX or XXXXXXXXXXXX Thanks for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I have submitted a complaint with the CFPB on  X/X/17    #  XXXX . It should have taken 15 days for the company to respond. It has been over a week from the last day it should have taken them to respond. I thought that the CFPB is here to help us, so I am writing this complaint under the assumption that Experian has no regard for the CFPB and will continue to violate the rules and regulations of the FCRA, FDCPA and the guidelines which the CFPB has set forth.     Since there has been no response, I can therefore declare that the information included in complaint #  XXXX  is FALSELY reported due to the lack of a response. I demand that the contents of the complaint be removed immediately or I will be forced to file a lawsuit for each item listed in the complaint at {$1000.00} per item not addressed. My attorney and I are ready to file a suit unless these items are removed from my report.

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 08-03-2016 about Debt collection (I do not know) with Eastern Account Systems of Connecticut, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This amount came from equipment they said I did not return when in fact I did.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (IN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The account has been paid by Navient /Department of Education listed on website and my account Number says I have XXXX balance

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received a copy of my credit report and it showed inquires that I do not recall authorizing. I understand that an inquiry should n't be allowed on my file unless I authorized it.The unauthorized inquires are attached and have been highlighted.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted XXXX PAYMENTS on XXXX separate occasions several years ago on my 30 year mortgage. Instead of giving me instant credit on those payments the Mortgage Servicer XXXX, simply gave me credit as the mortgage came due. 

I have PAID OFF MY MORTGAGE. However I believe it should have been paid off a month earlier. GREENTREE refunded part of my escrow in the amount of {$1500.00} which I find strange, on XXXX/XXXX/2015. 
I asked the GREENTREE MORTGAGE FOR MY DEED on XXXX/XXXX/2015 and the woman answering the phone said under Texas law they had 38 days from XXXX/XXXX/2015 to send me the lien release WHICH I THEN AM SUPPOSED TO TAKE to the tax appraisal district and obtain the FREE AND CLEAR DEED to my property. 
The trouble is TODAY IS XXXX XXXX, 2015, I have yet to receive my lien release. 
The representative of GREENTREE said they merely mail it by regular mail and she claimed it had been mailed out on Tuesday XXXX XXXX and that I should allow 7 to 10 days. 
That tells me they did not mail out the document which represents title to over {$100000.00} and I request that your office investigate, the failure to give me proper credit on the monthly accelerated payments years ago as well as resolve their failure to give me a lien release.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DE).
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 informing those affected by 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 the news. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Credit card () with SYNCHRONY FINANCIAL (KY).
Issue: Billing disputes

Complaint: I obtained a credit card with Synchrony Bank to obtain a 18 month no-finance account to pay for flooring and install service from XXXX. We had just purchased the home so it was empty for the flooring to be installed. XXXX charged my Synchrony account on XX/XX/2016 for {$6000.00}. XXXX XXXX started install on XX/XX/2016. My wife and I attempted several times to get XXXX XXXX management to come to the home as the install did not look correct to us. My wife sent pictures to XXXX XXXX and XXXX, the flooring manufacturer. XXXX admitted the flooring is defective via pictures. XXXX XXXX continued install using wood putty on luxury vinyl plank flooring to hide the defect. In addition XXXX switch carpet on us and installed a lower quality carpet than what was contracted for. XXXX violated XXXX installation instructions, which would void the warranty. We rejected the install and merchandise. An independent flooring consultant hired by XXXX verified our complaint with the vinyl flooring. XXXX admits all this but refuses to install new flooring as furniture and personal items now need to be moved and they refuse to hire a professional to move our items. Synchrony twice has sided with XXXX but I have filed a fourth dispute with them stating a billing error in accordance with the terms of The Fair Credit Act has occurred since I have not received the merchandise or service I contracted for. Synchrony Bank and XXXX XXXX are trying to force me to accept the {$6000.00} charge.

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 11/23/2016 about Bank account or service ((CD) Certificate of deposit) with JPMORGAN CHASE & CO. (IL).
Issue: Deposits and withdrawals

Complaint: On XXXX XXXX I deposited {$630.00} into an ATM XXXX. The machine malfunction and it spit out a receipt with a number to call. I called the number reported the incident. Chase put a provisional credit of {$630.00} on my account. I went to another ATM at he bank and was able to deposit funds with no issue. On XXXX XXXX Chase reversed the provisonal credit. So they withdrew {$630.00} from my account which put it in the negative. When I called the claims department they told me that the ATM technician did not find the money in the machine. I asked the representive to play the video tapes at the ATM, I put money in the machine, and I knew the exact amount because I deposit my money like this every month, also I went to another ATM and was able to deposit the rest of my funds. I went to the bank with {$1000.00} between XXXX ATM deposits, XXXX receipt shows my {$400.00} deposit and the other receipt has a customer service number to call. When asked to play video footage at the ATM the representive said the ATM video is only facial recognition. I want to know what chase bank did with my {$630.00}. Further more chase has had my account in the red and I have not had access to my funds for over 24 hours. I believe this is untimely way to fix the situation. Chase made the error yet I suffer and my funds are gone. I feel robbed and I feel like I ca n't call the police about. Chase needs to give a direct answer to where my money went. They stole {$630.00} from me twice now, and I want answers.

Company response to consumer: Closed with monetary relief