milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with Experian Information Solutions Inc. (MI).
Issue: Confusing or misleading advertising or marketing

Complaint: Hello my name is XXXX XXXX XXXX and on XX/XX/2018 I signed up with Experian seven day free trail and paid the {$1.00} with my debit card ending with the number XXXX from XXXX. At the time I was aware that I am a victim of Identity Theft and this was my reason for checking my score and after entering in my person information someone took over my email address which was XXXX at the time, charged my debit card for the full {$9.00} and also changed my cell phone number from ( XXXX ) XXXX to ( XXXX ) XXXX, all this by way of a computer. I had XXXX reimburse me for the {$9.00} and remove my debit card information. I recently received a letter from Experian and XXXX   stating I had to send more proof. I have the letter right here in front of me # XXXX and I personally think someone redirected my mail because I was sending a lot of notices out to each business, etc. When I received your letter it states XXXX XXXX XXXX with my current address which is XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MI XXXX. I had to changed my email address and phone number again and I have an XXXX XXXX number now because I'm not receiving my mail at all. I recently signed up for your free 7 day offer and used a new email address which is now XXXX. I later called to cancel because the person charged me {$29.00}? I called and asked why I was charged that amount and was told that I had asked for all three reports. My understanding was that I had signed up for the premium which was {$9.00} each month, so I ask the person to cancel my membership and got a new debit card. now I'm told that I have until the XX/XX/XXXX to check my credit online. That's find, but I want to know what happened to the {$29.00} charged to my account. I was under the impression that you are allowed one free credit report once a year. 

Sincerely, XXXX 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 monetary relief
Consumer complaint received 05/19/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (OR).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I XXXX from the University XXXX, XXXX in XXXX with a degree in XXXX ( which has among the highest starting salaries for XXXX. degrees ). I was able to find employment about XXXX months after XXXX. I have a family with XXXX young children and have been trying to manage supporting my family and comply with the payments for the debt I incurred during school. I have no financial wiggle room for unforeseen expenses, which believe it or not have come up. I am making every effort to be up front with my lender about my financial situation and appropriately address my inability to make payments at this time. This major lender has provided a single contact number to which I am funneled to deal with this issue, and their representatives are unwilling to work with me and are basically forcing me to default on my loans. This will negatively impact my credit as well as my cosigner 's credit, and will increase the capital amount on my loans through late fees that will be applied. I very much would like to be able to pay my debt, and am trying to manage the situation the best I can. I currently have no recourse with which to resolve this issue, as the lender refuse to provide me with any option other than to default on my payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Penn Credit Corporation (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: My issue is n't with the debt collection agency, Penn Credit as they were merely doing their job, my complaint is actually regarding XXXX for failing to provide alternate payment methods ( other than traditional check ). My bank account is a green account, and I do not receive paper checks. If I want physical checks, I can obtain bank checks at both personal and financial inconvenience to me as a consumer. By failing to provide alternate payment methods, such as debit card payment or the ability to pay online, they 've significantly impacted both my credit, and my bank account. Every year since 2010 I 've had to wait until my account goes into collections in order to pay with a debit card. This practice seems to be both unfair and deceptive. I have to pay additional fees to the collection company to pay with a debit card, and also the balance of the personal tax increases nearly double in amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I opened a personal loan with  XXXX   XXXX   XXXX  in early  2017.   I reviewed my credit reports earlier and noticed that  XXXX   XXXX  listed    XXXX   separ ate accounts on my  XXXX  and   XXXX   credit reports.  One of the accoun t listed an account that was open for a month and then sold to another lender. A new account then appears which is the one which is still valid. I Only opened a single account and do not wan t   XXXX   account s listed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2015 about Mortgage (Other mortgage) with Arbor Residential Mortgage LLC (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I had a mortgage for XXXX years with XXXX XXXX XXXX My original payment started out at about {$1600.00}. The next year when the analysis was done they lowered it to {$1400.00}. They recently sold my mortgage to seneca mortgage and I have received a letter from them on XXXX XXXX 2015 stating that my mortgage will be going up to {$1900.00}. I called to inquire and was told that my escrow had a shortage and I could also pay the shortage in a one lump sum. I do n't have that kind of money. I then called XXXX who sold my mortgage to seneca and was told that who ever did my analysis made an mistake and did n't include my pmi insurance but not to worry because they paid it for me. I find that hard to believe. I want to know how the new company can charge me this money when the previous company made an error in the analysis.XXXX said they were aware of the mistake but no one took the time to call us so that we could have rectified this before it got to this stage. I had spoken to the new company and they are not willing to work out anything other than payment in full of back escrow or up my payment $ XXXX.How is it our mistake when the bank created the problem.I 'm sure if we made a mistake they would be the XXXX ones on the phone to get their money.This is like selling a car to someone and then realizing you could have gotten more and then go back to that person for the difference.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 02-06-2017 about Debt collection (I do not know) with NCC Business Services, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I never received any statement saying i owed anything and then suddenly there is a person calling me and asking me for my social and date of birth due to a debt I owe. I did not disclose any information as i dont know who this person or business is. Apperently, I think my old apartments are the ones who placed me in collections but again not truly sure because I never received a statement showing the items or damages I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NELNET, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have tried to have this information fixed numerous of times : I now have proof from NSLDS.ed.gov ( which is the National Student Loan Data System with the Federal Student Aid ) that my loan was in Forbearance on XX/XX/XXXX. Please see attached. Previously, when submitting this complaint, I had my years ( XX/XX/XXXX and XX/XX/XXXX ) mixed up. If you will, please take a look at the attached document that was downloaded from the government website. It shows on XX/XX/XXXX, I was still in Forbearance and that the loan was consolidated in XX/XX/XXXX. I remained in Forbearance until the loan was consolidated.

Details : I graduated from my XXXX and XXXX program in XX/XX/XXXX, I immediately went into after school deferment for 6 months ( XX/XX/XXXX ). Afterwards, I was in financial hardship for a year until XX/XX/XXXX, but Nelnet serving provider at the time, stated it was for 9 months. They never mentioned this to me and it doesnt add up. I contacted Nelnet in XX/XX/XXXX to refinance my student loans, it wasnt mentioned about a payment or how much. I contacted XXXX ( who is servicing my loan currently ) and they processed my loan in XX/XX/XXXX. My credit report shows paying ontime up until XX/XX/XXXX but shows 90 Days late for XX/XX/XXXX and XX/XX/XXXX for Nelnet for nine separate student loan accounts. They will not change this stating I was in repayment, but I have never been in repayment with nelnet and never sent them any payments ever. When it was getting close to start repaying I consolidated with XXXX. XXXX stated that they sent a request to Nelnet in XX/XX/XXXX for my loans to be sent to them, they stated they finally received it in XX/XX/XXXX, my deferment ended in XX/XX/XXXX. But nelnet refuse to take actions to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (PA).
Issue: Shopping for a loan or lease

Complaint: I am purchasing my leased vehicle from Toyota ( XXXX Toyota in XXXX, PA ). There is a credit union offering 1.99 % ( if credit is good, and mine is XXXX+ ). Toyota wanted to do the loan, so they promised via email that they would match the 1.99 % rate, conditional upon my credit being XXXX+. I trusted their written promise, and set up an appointment to do the loan a week later ( 3 days after my official lease-end date, which they said was fine ). At my appointment, they ran my credit 4 times, through XXXX different lending institutions, over a period of more than an hour. They had realized that they could not in fact match the 1.99 % rate, and they were rate shopping at my expense for over an hour, trying to cover up their lie. They did not tell me what was happening at any point during this time period. The used car manager approached me eventually, and admitted what had happened. He even told me flat-out that what they had done ( quoting me the 1.99 % ) was not legal. Now, I am 4 days past my lease-end date, have XXXX hard credit inquiries counting against my credit score, and have to start all over with the credit union. I 'm having XXXX next week, and am now under a lot of pressure to resolve this quickly. Hopefully I will still qualify for the 1.99 % with the credit union despite the excessive inquiries made by the dealership. This is the very scenario I was working hard to avoid, and now for the next 2 years, every time I apply for credit, I will be at risk of not getting the best rates available and of my credit score dropping further.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Mortgage (Conventional home mortgage) with Law Offices of Les Zieve (CA).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) are in a business to foreclosure people home. I request the reinstatement quote many time : 1/ Reinstatement request email and fax to XXXX on XX/XX/XXXX 1/ Another request for Error Resolution Notice Unger 12 C.F.R.1024.35 email and fax XXXX and Trustee XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) But both of them continue to ignore my request. Today, XX/XX/XXXX I received this note from XXXX with the copy of the Note and copy Deed of Trust with down the breakdown in detail reinstatement quote as I did request XXXX many time. XXXX clearly does n't care about customer service or customer satisfaction. Nobody trust this company. 
Consumer Financial Protection Bureau please help to make this company out of their shady business as soon as you able. They just be here to harm and hurt customer. Attachments : 1/ Request for Reinstatement__XX/XX/XXXX 2/ Error Resolution Notice Plus__XX/XX/XXXX 2/Useless letter from XXXX__XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I filed a dispute with Equifax about my account credit balance being incorrect. On XXXX XXXX I receive the dispute resolution from Equifax showing the correct information " account paid in full {$0.00} balance '' On XXXX XXXX I receive an alert showing the my account balance has increased from {$0.00} to {$3000.00}. On XXXX XXXX I run a new report and I see that Equifax continues reporting the wrong account balance. Please help, attached is the dispute resolution from Equifax. thanks ( PAGE XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NJ).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX 2015 I submitted written request to close my Citibank , N.A . Checking, Checking Plus and Money Market Accounts. The accounts had XXXX balances. In XX/XX/XXXX I sent a follow-up letter as I kept receiving statements. No response was received. In XX/XX/XXXX I received a threatening Citi ( XXXX ). I responded stating the a/c was closed, asking them to correct their records. In XX/XX/XXXX I received a Citi ( XXXX ) threat letter aimed at collecting debt! This debt more than likely represents rapacious fees imposed after the account should have been closed -- with interest and late fees tacked on, I am sure! This letter asked me to call, and did not advise that I would be waiving some of my consumer rights by doing so. I responded in writing pointing out the account was closed. A few days later, a threat letter specifying over {$600.00} was unpaid and overdue, was received under the same Citi ( XXXX ) name. I am sending a response in writing again. 
This is harassment at this point. Citi has ignored my instructions to close this account, which had no balances or overdrafts. Citi has not responded to my written requests to close this account and provide status. I had accounts here for 25 years. How deceitful and dishonest Citi has become, with low customer service standards. There is not one shred of decent customer service on display here.This company is clearly out of control. It is not observing basic consumer law. I need help dealing with this arrogant, out-of-control bank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/20/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is now in violation due to the failure of providing verifiable proof as required under the  15 U.S. Code 1681g - D isclosures to consumers within 30 days. If you are unable to provide such proof within that time frame, I expect these negative events to be removed.! Please communicate your intentions in writing! I 'm not sure if the account was fraud or is a mistake on your part providing false information on my credit file. I faxed in a copy of my Driver  's License and Social Secu  rity Card on  X/XX/17 . It clearly does not match the records you maintain under my social secur ity number. I have tried relentlessly between yesterday and today to call you to discuss. The answering system says that there is a not an operator available now to call back and then it disconnects.   I am  ready to proceed with a lawsuit against your company for 1. Defamation 2. Negligence 3. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I would be seeking a minimum of {$1000.00} in damages per violation. I will be using a high profile attorney to expose the wrong that you are doing to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Hello, my name is XXXX. I have had a credit card with Capital One ( XXXX XXXX XXXX ), which I have had for 11 years now at that point in time they charged me a {$19.00} annual fee. Now if someone applies for that same exact credit card a new applicant does not have any annual fee. Is this against the law for them to do that? They should not be able to charge me a fee and not someone else. I would have thought that is discriminatory. 

My credit is excellent. I do n't miss payments. Most of the time I pay the balance off in its entirety weeks before the due date. If there is nothing I can do I will have to stop using there cards then because they never give me credit limit increases or lower my APR. They will not work with me at all. I guess I will have to stick with my XXXX XXXX or XXXX. 

I believe they should n't be able to charge someone a fee that they do not charge someone else. Even if they do stop charging me a fee, they should not be able to continue charging someone else just because they do n't realize it.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Mortgage (VA mortgage) with Prospect Mortgage, LLC (WA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XXXX   XXXX ,  XXXX   XXXX  Conducted VA appraisal for company. They are refusing to pay for this service and are not responding to communication attempts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/17/2017 about Debt collection (Medical debt) with Patient Accounting Service Center (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX/XXXX/XXXX my wife visited what she believed to be an XXXX XXXX XXXXlinic operated by the hospital system that employs her for a routine strep throat check. We later received an invoice for {$79.00} for 10 % coinsurance. I thought this was very high and questioned the amount only to be told that the facility was an emergency room and not an XXXX XXXX center. I then filed a complaint with my state 's XXXX 's office because I felt the billing practice was unfair since the office building had a huge sign out front identifying it as XXXX XXXX. I went ahead and paid the invoice as well. On XXXX/XXXX/XXXX I received a response from the hospital system 's attorney through the XXXX 's office indicating that they decided to refund the {$79.00} coinsurance payment but they felt their billing practices were legal. Everything was good until XXXX XXXX when I received an invoice from XXXX XXXX of XXXX MI saying that I owed this debt. On the XXXX of XXXX I sent a certified letter to them disputing the debt and forwarding copies of the letter from the hospital system as well as a copy of the credit card transaction and the refund transaction proving that the debt was no only paid but also refunded. I assumed this would resolve the situation as the debt is clearly invalid. They continued sending me invoices so I hired an attorney through my employer 's legal access plan. The attorney said that he 'd send them another letter and handle the situation. In XXXX XXXX I received an invoice from a new debt collector, XXXX XXXX XXXX XXXX of XXXX NY for the same debt. So it 's clear to me that XXXX decided to sell the debt to a new collector rather than go back to the original creditor to correct the mistake.

Company response to consumer: Untimely response
Consumer complaint received 09-08-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX 2013, I purchased my first house. The original mortgage was through XXXX XXXX. My down payment was 10 %, and therefore, it included mortgage insurance. However, I was told that I would be able to lose the mortgage insurance after 5 years or as soon as I had 20 % equity in the house - whether that came from improvements made to the house, actual money paid on the mortgage or the value of the house increasing on its own. Since we moved in, we 've made improvements to the house ( remodeled kitchen and bathroom ) and the value has increased. We know that we have much more than the 20 % equity we were told was required to lose the mortgage insurance. However, at some point, our loan was sold to wells fargo. I 've been in and out of the bank on the phone over and over trying to figure out the steps i need to take to get the mortgage insurance removed. Every time I get a different story. Most recently, I was told that it is true that I can get rid of my mortgage insurance by having 20 % equity, but it has to be a result of structural improvements made to the home and I have to show receipts for all the money I invested to make those structural improvements. They said that remodeling we did does not count because there were not walls added, so it was not structural updates but just cosmetic updates. I am frustrated because none of this is what I was originally told when I signed my mortgage and i had no control over it being sold to Wells Fargo, so they should n't be able to change what I was told. Also, I am frustrated because Wells Fargo has given me at least XXXX different stories and it seems they 're just trying to confuse me, so I 'll give up on trying to get my mortgage insurance dropped.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Central Financial Control was sent a Cease and Desist letter and given 30 days to provide validation of the debt. They failed to do so which puts them in violation of FDCPA. They also failed to produce copies of any agreement granting them authority, to collect on the alleged debt.

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 04/16/2015 about Bank account or service (Savings account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: I deposit {$100.00} on XXXX XXXX, 2015 at XXXX and I was never given the credit on my savings account I went to the branch and they did n't believe me at all, they have many surveillance cameras they can see when I gave the money to the clerk, I want my {$100.00} plus {$20.00} for the incovenience or I want free checks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief