milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: In XX/XX/XXXX i submitted a dispute to ALL three credit bureaus. XXXX, XXXX and Transunion. My dispute was simple. I felt that my hippa rights were violated. A third party agency has my medical information and i am SURE i have NEVER given anyone permission to release my information. I explained to all three bureaus that this was NOT a dispute and i was demanding proof of a medical release form or remove these accounts. I was not asking for verification or validation of any debts. XXXX removed all these accounts. Somehow ALL these accounts came back about 2 months ago without me being notified. I then sent in ANOTHER dispute and XXXX hits me with a frivolous " fraud dispute letter '' mind you i wrote this letter out AND signed it. I sent another letter, still no reply. XXXX needs to remove these accounts or they 'll see me in court for one re-inserting items back on my credit report without my knowledge for two FAILING to dispute the inaccuracies thaf i found on my credit report.
Transunion ALSO removed and re-inserted accounts. Everytime i redispute them i NEVER hear back from them. 
XXXX replied that the accounts were VERIFIED. I clearly did not dispute these accounts. I want a medical release form from these collection agencies or i want these accounts removed ASAP!!! 
My personal and medical rights have been violated. I will protect my rights even if it means going to court. I will not stand for this. The following MEDICAL accounts need to be removed IMMEDIATELY XXXX ( multiple accounts ) XXXX  XXXX ( multiple accounts ) XXXX ( multiple accounts ) XXXX XXXX XXXX DOES N'T SHOW THE NAMES OF THE COLLECTION AGENCIES BUT ACCOUNT NUMBERS. THEY ARE STILL THE SAME. I AM GIVING THESE CREDIT BUREAUS 15 DAYS TO ADHERE TO THE LAWS OR I WILL BE FILING A LAW SUIT!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Billing disputes

Complaint: I had been paying on time every month for my credit account with CARECREDIT/SYNCHRONY BANK. I had made a final payment of {$78.00} to pay off the balance prior to the beginning of the new year on XXXX/XXXX/XXXX. I received a confirmation number and thought I was done with the bill. I received a bill on XXXX/XXXX/XXXX in the mail stating I now owe {$260.00} and that I missed payments for XX/XX/XXXX and XX/XX/XXXX, so my account is in default. The company returned my payment the same day I paid electronically, and they had given me a confirmation number of my payment! They never notified me that the payment was returned and waited for two months before telling me the bill was never paid. I tried solving this with them and called customer service where I was told I was speaking with a manager named " XXXX XXXX ''. He refused to make a case ID or give me any info about his employee ID and was very rude. He would not tell me why the payment was returned and why I was never contacted, only that I had to pay the late fees and that because my payment was not before XXXX/XXXX/XXXX I had to pay all the interest that had accrued during the promotional balance. I did some research and see that this credit lender has done this before to people. The company actually lost a law suit not too long ago, where it had to pay back the money it scammed from people, and restructured under a new name. Please help me as I made the payment on time as I always had, and they even gave me a confirmation number that I made it. They then returned it and did not notify me in any way, nor did they contact me that I was past due until they sent a letter which I received on XXXX/XXXX/XXXX. They are obviously doing what this company has done before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/25/2016 about Debt collection (I do not know) with Receivables Management Partners, LLC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/2016 XXXX CST, I recieved a call from XXXX, claiming to have a " collection matter '' that was placed with Statewide Credit Corp , in XXXX IN. The femaile caller refused to indicate " who '' the creditor was, and demanded me to verify who I was. I still demanded to name of the " creditor '' and was refused. The female caller became very abusive, and I terminated the call.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Making/receiving payments, sending money

Complaint: I have been told several times by Citibank that I am a preferred client. I tried many, many times to determine why I could not pay the IRS with my Citibank online BillPay account. I finally received a letter from Citibank stating " this service is no longer available for the IRS, as we have encountered servicing issues with them. '' I had to make XXXX separate inquiries to Citibank in order to finally learn that Citibank does not pay the IRS with their online BillPay services. 

I complained to Citibank and asked XXXX ( XXXX ) very SPECIFIC questions, as follows : Why did n't Citibank give me this information in the first place? 

Why did I have to drag ( XXXX TIMES!! ) this information out of them? 

Can Citibank be any more UNCLEAR in communicating with their preferred clients? 

Does Citibank really believe this is acceptable customer service? 

I even stated my expectations in my complaint, as follows : I expect Citibank to respond to this complaint with answers to the above ( XXXX ) questions. 

I received a Citibank letter, dated XXXX XXXX 2015, which is attached. 

CITIBANK, OF COURSE, DID NOT ANSWER MY XXXX QUESTIONS! 

THE LETTER WAS JUST ANOTHER EXAMPLE OF POOR COMMUNICATIONS FROM CITIBANK!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Payday loan, title loan, or personal loan (Payday loan) with TOWER LOAN OF MISSISSIPPI, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Tower Loan i s reporting on my credit report as a charge off with incorrect dates. Almost 2 months ago I sent them a certified letter requesting validation of this account . Tower Loan did not provide a signature or anything, nor did they mark my credit report disputed. I then sent them a second lett er and they have yet to respond to me.

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 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (NJ).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: discover refuses to provide debt validation. yet keep reporting me.i have requested debt validation many times. nothing. i have asked for a call for a debt settlement figure nothing. 
i have asked for emailed statements since i have no mailing address nothing.but they keep reproting me despite a cease and desist letter i sent please intervene. not just send it to them and accept the same old script they give

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: On   XXXX   XXXX   XXXX     I sent a letter disputing multiple inquiries to All credit reporting agencies including  XXXX . They responded sending me a letter explaining what a inquiry was. I again sent a more detailed letter outlining that I did n't authorize multiple inquiries on my report via certified mail and fax also on   XXXX   XXXX  . They again resent a letter explaining what a inquiry is. They have failed to respond t o two requests now to research and delete inquiries on my credit report that are inaccurate. T hese inquiries do not match any accounts on my account etc.     I sent seperate letter along with above in seperate letter and fax on same dates above removing incorrect addresses, employers, phone numbers and names. They sent me copy of an unchanged credit report both times with zero updates.

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 11/18/2015 about Credit card () with BARCLAYS BANK DELAWARE (SC).
Issue: Delinquent account

Complaint: I had a credit card with barclays bank I had run into some trouble and had to accept a settlement offer and our agreement was when I paid this settlement they would remove this account from my credit I have contacted them by phone and by mail. I keep getting the run around and no response to my letter. I called again on XXXX/XXXX/2015 and talked with someone named raven after several minutes on the phone explaining again the situation they put me on hold for quite some time and when they returned I was told by raven to resolve this I had to dispute the information with transunion that 's who they report to and send a letter to the fcra and the address they gave me for the fcra was XXXX XXXX XXXX XXXX, DE XXXX which is the address for barclays bank. they are trying to run some sort of scam so this is my first step to get that account removed when they fail to do so I am going to report them to the ftc

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed the status of this creditors account '' XXXX XXXX Credit Card ' ( XXXX XXXX ) 'numerous times with equifax and finally received my credit report correct as of XX/XX/XXXX. I have XXXX active XXXX credit card in XX/XX/XXXX, the XXXX from XX/XX/XXXX was discharged. My credit report was showing correct as of XXXX/XXXX/XXXX, showing this account to be in a closed status, and not a revolving. Since XXXX/XXXX/XXXX this account now shows differently and has been placed as a revolving account but XXXX ' out as a line of credit which causing issues with my credit score as of XXXX/XXXX/XXXX & XXXX/XXXX/XXXX it was put back on my credit incorrectly. Equifax placed this creditor under open accounts which actively affecting my credit. This account was discharged in a CHXXXXBK as of XXXX/XXXX/XXXX but the account remains as a XXXX balance but in the incorrect spot on my credit report. I was advised on XXXX/XXXX/XXXX by a manager that this matter along with other creditors would be taken care of and it has not changed and caused my creditscore to tank XXXX points or more due to several inaccuracies. Please see previous report that was correct at the time on XX/XX/XXXX VS XXXX/XXXX/XXXX & XXXX/XXXX/XXXX, as well as phone conversation between myself an equifax management, discharge order, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Debt collection (Federal student loan) with SUNRISE CREDIT SERVICES, INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX sent a bill to Sunrise Credit Services saying that I owe a bill for {$1900.00}, which is not true. I spoke with XXXX XXXX on XX/XX/XXXX at XXXX about this debt. I explain to him this is not my debt, and when did this happen, he told me in XX/XX/XXXX when I was not even a student at XXXX and XXXX agree with me.

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 03-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Billing disputes

Complaint: por error de servicio al cliente, me inabilitaron mi servico de compania de celular.
la compania de celular es Lycamobile.us y ellos me piden una carta del banco, de cash back y el banco no quiere hacer la carta y es de la unica manera que Lyca mobile restituye mi servicio.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (Conventional fixed mortgage) with PROVIDENT FUNDING ASSOCIATES (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I submitted complaint after I paid XXXX late fees and balance show up on my account to Provident Funding www.provident.com about why I have XXXX late payments fee after I travel out of town. No response to my complaint. I thought that I paid on XXXX XXXX I should be fine by now as soon as I pay on time from now on ( I even just paid the XXXX late fee ). But today I login my account to pay for this month Mortgage and find another late fee show up again. 
The account say payment is due on XXXX XXXX, 2016. I call them they told me that they ca n't do anything about the late fee. I paid it and printed the confirmation. Now I try to see what will appear on my account now? Even though I get confirmation from their website saying I have paid and transaction completed, it still show payment is due on XXXX XXXX, 2016 and it says YOUR SUBMISSION PROGRESS : INCOMPLETE. I am afraid that they will charge me late fee each month even I pay in time each time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Vehicle loan or lease (Loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: When ever one of my car payments is due on a weekend Bank of America 's system does not update and show my payment. According to the finance manager upon acceptance of my auto loan, I was advised that I have a 10 day grace period. I have never gone pass the 10 day grace period, yet Bank of America 's collection department calls me non-stop all day to " collect '' on a payment that 's not late, nor past due. I have advised them to stop calling me as the payment was scheduled within the grace period and their systems do not update in real time. However, they continue to call. This is harassment and a violation of the Telephone Consumer Protection Act of 1991. They are collecting on a past due account that does not exist as the account is not past due. I demand that their executive office contact me and issue a formal apology for this harassment.

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 07/25/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (MA).
Issue: Loan servicing, payments, escrow account

Complaint: This is a copy of a letter that was sent to Wells Fargo that explains the situation. 
XXXX # XXXXXX/XX/XXXXAttention : Customer Support, My loan has been reported late for 6 years now and I have never missed a payment. I have written letters like the one below and not had any favorable response. Please keep in mind my payments are auto drafted every XXXX weeks. 
The history is as follows1 ) XX/XX/XXXX my father was diagnosed with XXXX XXXX and given XXXX. 
2 ) I called XXXX XXXX to tell them I would miss some work and went through a lengthy telephone interview3 ) As a result of said interview I was told my next XXXX payments ( XXXX ) would not be drafted and they would be added to the end of my loan. 
4 ) Said payments were not drafted even though there was an ample balance in my account. 
5 ) Years later I discovered my loan being reported late every month yet my payments have been drafted every XXXX weeks on time and never missed. 
Please look at the payment history. You auto draft a payment every XXXX weeks on time and never missed. The only response I received from you is that I asked to not auto draft the payment and I would send it. This makes no sense. I have always had an ample balance in the bank and would not make this mistake. 

I was told that I could pay up by a Wells Forgo representative that I could pay the XXXX payments in question and they would drop the late payments and additional charges which I can do any time. However, my credit is a bigger concern. I asked for a letter from you stating this was an error so I can fix my credit and it was denied. I am asking one more time for help in this matter before I call my attorney general to report this as I am not at fault. This error has affected my ability to secure credit for my business. Your immediate attention is greatly needed. 

I am prepared to pay the payments in question, however I am not at fault for the late payments and interest. I have tried to resolve this on more than XXXX calls or letters and they keep telling me It 's my error, but is is not. My first contact was with XXXX XXXX which authorized a XXXX payment ( XXXX ) " skip a pay '' which occurred and then XXXX sold to Wachovia and the payments started to be reported as late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Closing on a mortgage

Complaint: On XXXX XXXX, XXXX, I was pre-approved for a mortgage refinance from Wells Fargo. They told me I needed to pay IN ADVANCE, {$540.00} for taxes and appraisal fee. I was very reluctant about paying, but they told me I could n't close without it. I wrote an email stating that " In the unlikely event that you could not close the loan, I would be owed a FULL REFUND of the amount collected. '' On XXXX XXXX, XXXX, Wells Fargo charged my credit card for the amount stated. On XXXX XXXX, Wells Fargo called me and said that they are no longer approving my loan. When I asked them for the refund on the money they extorted from me, they said " Sorry, but no refunds ''. They are scamming credit worthy applicants out of their hard earned money by promising approval, taking the upfront money, then once they have collected, refusing to close. This company should not only be held responsible for refunding the money, but be criminally prosecuted for their actions. Thank you in advance for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2015 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Every time try to check my score on experian freeannaulcredit report.com and things like that they ask me to confirm bogus questions like who I have a loan with I never had a loan in my life like these crazy bank names they ask me about I had checking accounts with XXXX banks in my entire life and that 's XXXX Bank XXXX bank and my current bank I 'm with is XXXX that is it what all these bogus questions?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-11-2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to XXXX to get my free report. Both Experian and XXXX noted that I had to print out a form and mail in my request. Further, I have to provide copies of XXXX separate documents "for my security". Mailing, in my opinion, is less secure than an encrypted internet connection. Could they make it any more difficult to get my credit report? This reeks of the ratings agencies, once again, making it as difficult as possible for consumers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I have Navient loans that started out at {$12000.00} and are now close to {$18000.00}. Navient had set me up for forbearances but when those were no longer available they put me on a reasonable income-based payback plan. That worked until the payments doubled which put me back into the same situation where I started. This has gone on since Navient took over these loans. By the way, these loans are from   XXXX   when I went to the   XXXX   XXXX   XXXX   XXXX . They have probably been paid off many times over!  <P/> I have been trying to work with them but the situation has become unbearable. They call me constantly and harass me and now they are calling family members. This last time that they contacted me was the final straw. They assume things about me that are n't factual. I 've never been demeaned and harassed like this! They give no viable solutions and show total disrespect.  <P/> I 've been working as a  XXXX  for the past 9 years. I 'm divorced, have a  XXXX  y ear old d aughter and have downsized to a small co-op so that I can pay my bills. I was diagnosed with  XXXX   XXXX    XXXX     XXXX   XXXX  which has again changed my luck. Those bills have become my newest battle with finances. This final call on Friday showed me that I would never get help from Navient. They assumed I owned a {$30000.00} car and kept throwing that in my face ( even though I tried to tell them that I have a  XXXX   XXXX  that was the only thing I could afford with the lean that was on my other vehicle ). They told me I should charge my daughter rent and that I ate way too much! Right after this confrontation they started calling family members. How are they getting these phone numbers? It 's humiliating.  <P/> With my  XXXX  diagnosis and treatment plan, it is important that I cut out as much stress as possible. My first call this morning woke me up and of course it was Navient. I ca n't do more than I already am. I 've taken on a couple cohorts this summer to supplement my salary but that will only be a temporary band-aid. I 'm at a total loss.  <P/> Please help me with this situation. I appreciate anything you can do to help.

Company response to consumer: Closed with explanation