milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2017 about Credit card () with CITIBANK, N.A. (NV).
Issue: Other

Complaint: My Payment was posted by Macy 's 34 days after the due date. That was my fault as an oversight on my part because we were on vacation. They subsequently reported a thirty day late to the credit bureaus. However, when I phoned in the representative I spoke with on the phone said the company 's policy is to only report accounts as late when they reach 60 days and not 30 days. Please obtain a copy of the recording and see for yourself.

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 11/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with Affiliates Management Company (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Penalized for paying off XX/XX/XXXX activity on XX/XX/XXXX! 

I have a XXXX card from XXXX XXXX which uses XXXX XXXX for credit card processing. When my monthly checking acct statement arrived on XX/XX/XXXX, I paid my XXXX bill in full. I was hit with a {$25.00} Late Fee and {$8.00} interest for paying TOO EARLY for XXXX. And, the card was frozen. This is 3rd time this has happened. Launch can not or will not get XXXX to desist and refund.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: I write this to call your attention to the manner in which your representatives at the branch in XXXX, NJ have chosen to do business which is absolutely deplorable! To attempt to earn inter company marketing and sales credits by opening and closing accounts and manipulating them is both ethically atrocious and against state and federal banking regulations. This is now the THIRD time in the past few years that people from this bank have XXXX with my accounts to my detriment. I am enclosing email correspondence between myself and your representatives that will be self explanatory once reviewed. 

Very briefly the story goes like this : On XXXX XXXX, 2015 I received a phone call from the Manager, XXXX XXXX XXXX offering to increase the interest rate on my savings account. I related my bad history of dealing with the people at this branch who XXXX my accounts in the past when I moved a large sum of money to Well Fargo and that I had to go back to the bank and do it all over after the bank rep who did this was fired. I did not want to go through this again. I then received a phone call XXXX that a line of credit was being processed and that my checking account would have to be closed and another XXXX opened at which I told him that I will not agree to any of this until I see the terms of the LOC in writing and agree to them. Next thing I know I receive an email confirming my LOC account was established without my knowledge. The following day I receive the terms to that LOC which I did not approve. I immediately sent in WRITING a notice to the XXXX reps that I did not agree to these terms and that they opened an account in my name without my permission, and they are to close that account immediately as they had acted improperly. This all fell on deaf ears, and yesterday I received a bill for the annual fee {$25.00} for this LOC.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 10/27/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I contacted the Credit Bureau, requesting validation of the Bankruptcy, because I did not file a bankruptcy. I was sent back a credit report stating that the bankruptcy had been verified by the Federal Bankruptcy Court ( but no documentation to support that ) and if I had questions to contact the Bankruptcy Court at the address listed on my Credit Report. I sent a letter to the Bankruptcy Court requesting they 're procedure for verifying information with the Credit Bureaus and they sent me a letter back stating that they do not report to any of the Credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit card () with Radius Global Solutions LLC (AZ).
Issue: Delinquent account

Complaint: Some one from this phone ( XXXX ) XXXX claims he is from collecting agency collecting a debt for XXXX XXXX. He has a first name and last name only. When I ask fro the middle initial he always refuses to tell. However he wants my birthdate and/or Social Security number. I will not give that information to no one over the phone. I had given him my middle initial a while back. I had told this person to stop bothering me for I pay my bills on time. 
The man I talked to name is XXXX. I called back to get the company name. 
I know there is a man with the middle name " XXXX '' that do n't pay child support or his bills. 
I was sent a court order from the state of XXXX for me to submit a DNA test. That 's how I found his middle name. 
I got tow calls from this individual today. I finally told him " if you think I owe you money suit me. 

I am tire of getting this calls from this people harassing me. He call XXXX today. XXXX call after the other. Can you please help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Debt collection (Other debt) with Diversified Consultants, Inc. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I recently viewed my credit report and found a debt listed by Diversified Consultants for {$1000.00}. I mailed a Debt Validation Request via return-receipt mail on XX/XX/2017. The company did not respond. I have no knowledge of this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: My mother 's social security number was used by my ex sister inlaw for a cosigner on her student loan back in 2006, electronically.. My mother is on social security, XXXX XXXX XXXX and in very bad health. She has been in and out of the hospital and in a XXXX home XXXX. My mother is being harassed daily by calls and letters. Demanding payment, which she can not make, because my ex sister in law can not be found and has been divorced from my brother going on 10 years. My mother never signed anything and Sallie Mae will not send her anything with her signature on it. She was asked for her social security number when she was recovering at my brothers XXXX This harrassment has increased in the last 6 months and effecting my mother 's health in a negative way. This is leading to her having another XXXX XXXX or worse. I need help, because Sallie Mae does not want to cooperate with her or myself. thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
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: XXXX XXXX is appearing on my credit file. I am in TN which requires collection agencies to have a license to collect. XXXX XXXX as reported on my credit file does not.

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 09/19/2016 about Credit reporting () with EQUIFAX, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Utilizing My Fico I pulled my XXXX bureau report as I do annually to check my credit. There was a collection reported from XXXX XXXX. I called XXXX as I have a current account with them, and they explained that they did not transfer the account correctly when I moved XX/XX/XXXX, despite my account email and login remaining the same. I just transferring service to new address, it was not a new account and I continued to pay my bill on my account as I always did. They did not send this information to our new address either. I never received notice of an issue. I paid the balance and confirmed that my account was correct and current, that any further issues were resolved. I spoke with XXXX confirmation # XXXX. I was unable to dispute with the credit bureau because I keep having issues with their systems. This collection was a transfer mistake made by XXXX as my account has remained with them as long as I have been a customer and I pay every month, it is an issue they had when I moved and they agreed it should be removed but told me the credit agencies needed to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Debt collection (Medical) with Pendrick Capital Partners Holding, LLC (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/XXXX, I received a letter attempting to collect for a hospital visit on XX/XX/XXXX. The only information provided was that the amount is {$420.00}. I do not owe on any hospital bills, nor did I go to a XXXX XXXX XXXX hospital on that date. Also of concern is that Nevada Statute of Limitations does not permit collection on debt that is 10 years old, let alone debt that is not verified or owed. 

The company is falsely representing that I owe money and did not verify any necessary information, and is not adhering to Nevada FDCP.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Consumer Loan (Vehicle loan) with DriveTime (FL).
Issue: Managing the loan or lease

Complaint: THIS IS NOT A DUPLICATE COMPLAINT. IT DOES HOWEVER INVOLVE THE SAME COMPANY AS BEFORE. THIS IS ANOTHER ISSUE ALL TOGETHER. 
We purchased a vehicle from Drive Time on XXXX/XXXX/XXXX and the vehicle was financed for XXXX for XXXX payments and XXXX for XXXX payment due on XXXX/XXXX/XXXX off on XXXX/XXXX/XXXX. The loan and finances charges included GAP and GPS. I requested a refund of the GAP coverage and I was told we will not be receiving the refund. I do n't understand, since we paid off the loan early.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: APR or interest rate

Complaint: I opened a Chase XXXX credit card on XX/XX/XXXX My XX/XX/XXXX statement indicated a 0 % APR with an " Expiration Date '' of " XX/XX/XXXX. '' The statement also read, " You have one or more balance XXXX XXXX ) with APR expiration dates, as shown in the Interest Charge section. These APRs will continue through your billing cycle ending with the expiration month and year shown in the Interest Charge section. You must continue to make your required Minimum Payment Due in order to continue to receive applicable APRs. '' Accordingly, due to the language " ending with the expiration month and year shown, '' I set a payment to pay the balance on XX/XX/XXXX 

Before that date approached, I checked my last statement from XX/XX/XXXX just to make sure that nothing had changed. Sure enough, that statement indicated an " Expiration Date '' of " XX/XX/XXXX, '' not the previously indicated XX/XX/XXXX. Furthermore, the statement read " You have one or more balance XXXX XXXX ) with APR expiration dates, as shown in the Interest Charge section. These APRs will continue through the expiration dates shown in the Interest Charges section. '' The statement did not include the language " ending with the expiration month and year shown '' from previous statements. 

As soon as I noticed that, I scheduled and paid a payment to pay my balance on XX/XX/XXXX. Nonethless, my XX/XX/XXXX statement indicated an interest charge of {$26.00}. While the interest charge is minimal, I think the change in language between the statements is at best misleading and at worst a deliberate attempt to mislead and get an interest payment from a regularly paying customer who 's never made a late payment in his life. I imagine others could wind up paying much more.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Debt collection (I do not know) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is on my report but it 's not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/23/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: mortgage co fail to report proper credit

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: As far back as XXXX XXXX I have experienced identity theft and after reporting a opening of an unknown account that was opened in my name in XXXX XXXX, I reported all incidents and attempted incidents to the police. In an attempt to clear my credit I requested assistance to the CFPB and in XXXX XXXX XXXX my dispute via the CFPB was responded to by the creditor/ collection company. My previous dispute was initiated because this account was opened fraudulently and i am a victim of identity theft. I was promised that this entry would no longer be reported to any of the XXXX credit bureaus and that it would be deleted from my history. I recently viewed my credit reports and find that this account is still reporting in my files and is causing a very negative effect and by non ability to acquire credit as a new business owner is causing me extreme financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2017 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: WELLS FARGO APPROVED MODIFICATION AND ALLOWED ME TO MAKE TRIAL PERIOD PAYMENTS BUT THAN REFUSED TO SEND ME MODIFICATION DOCUMENTS TO SIGN. ALSO CHARGED ME FOR INSPECTION FOR MODIFICATION. ALSO HIRED LAW FIRM FOR FORECLOSURE. I FILED MOTION FOR MEDIATION THRU XXXX XXXX FLORIDA.

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 03/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: All accounts are medical bills that should not be on my credit report. They sold my accounts to a 3rd Party which is illegal and violation of HIPPA.

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 08/29/2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Closing on a mortgage

Complaint: At closing of my loan with Caliber Home Loans, Inc on XXXX XXXX, XXXX, for the amount of {$490000.00} - I was presented with a Compliance Agreement. I have no problems with compliance agreements to provide missing documentations but under this agreement, I as a borrower only have 7 days to comply with any request. 

XXXX I have with this agreement is the small window I have to comply with this request. What happens, if I get a letter in middle of a vacation or business trip and I cant respond within 7 days? Under this agreement, my failure " shall constitute a default under this loan. '' This seems like a easy way for bankers take advantage of borrowers for noncompliance. 

If I had known about this requirement with sufficient time to close, I would have never have gone through with this loan. Unfortunately, I had no time left to look for alternative funding options without my real estate deal falling through. Therefore, I was forced to sign this agreement to ensure I did not loss my {$10000.00} deposit as part of my sales agreement. I feel like the bank had me over a barrel and I had no choice but to sign this agreement. This agreement is 100 % in favor of the bank and offers zero protection to hard working consumers. I really appreciate you looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Mortgage (Home equity loan or line of credit) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have a home equity line of credit with USAA in the amount of XXXX. I am current in my payments with the loan, but have been late in the past. Due to previous late payments, USAA froze the account, meaning I am unable to borrow more money. However, they report it as " closed '' to the credit agencies. Having XXXX in revolving debt but not an offsetting amount of credit, creates a credit utilization ratio of XXXX %. This significantly hurts my credit report and makes it impossible to get things like car loans or credit cards. The account is not " closed '' it is frozen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Consumer Loan (Installment loan) with TMX Finance LLC (GA).
Issue: Problems when you are unable to pay

Complaint: I took out a loan with instaloan around the end of 2014. I made a few payments but could n't keep up. They loan company rolled over my loan to a new XXXX with old payment/interest attached to close previous loan and renew it. 
Now on my credit report it shows I have XXXX loans open with them when in fact i have only XXXX. 
I called Instalon and stated loans were being rejected to help pay off their loan because of being overextended for XXXX. I requested they report the XXXX loan as being closed ( is showing up as XXXX seperate loans ) and a new loan was created. They stated they could not do that and that XXXX loans would show until total loan of {$800.00} was paid. Credit report shows {$600.00} and {$800.00} loans from them which is not correct. 
They are reporting misleading information to credit bureaus.Also refused to participate in debt consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have duplicate hard inquiries reporting to the consumer credit reporting agency. I have disputed this with the agency and they still do not remove them. They told me I need to contact the creditors on removing them. I have written to the creditors, also called them with no response to my dispute of the duplicate entries they are reporting on the same day or a day apart, same year for the same reason " auto financing ''.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Debt collection (Medical) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid a medical bill for {$27.00} to XXXX XXXX XXXX, XXXX. ( XXXX ) on XXXX XXXX, 2016, via debit card. Three months later in XXXX, the creditor turned my paid account over to a debt collector, XXXX ). Upon receipt of the letter from RRC, I contacted the original creditor, XXXX, and informed them that I had paid the account in full, but they refused to discuss the matter with me, saying that it had been turned over to collections. I told them I have proof showing I paid the account in full three months before, and it should have never been sent to collections in the first place, yet they insisted they were powerless to change anything and I would have to deal with the collection agency, despite this being their error, not mine. For their part, I disputed the debt through XXXX on XXXX XXXX, 2016, and sent in a fax with my bank statement highlighting the debit showing where I paid XXXX on XXXX XXXX, 2016, in full for the exact amount that XXXX was attempting to collect from me. On XXXX XXXX, 2016, XXXX removed the collection from my XXXX credit report. But four days later on XXXX XXXX, 2016, they again reported the account as being in collections. Once again, I 've submitted a challenge through XXXX and attached a copy of my bank statement showing that I paid the debt in full three months before the original creditor sent the account to collections. This collection is impacting my credit score by more than XXXX points, and should have never been submitted to collections in the first place. But more than that, XXXX ( or XXXX, as it 's now being reported as ) has ample proof and more than enough time to remove the account from my credit and, in fact, did so before re-reporting the account the following week. 

Moreover, they have continued to send me letters and additional attempts to collect this debt, which I paid to the original creditor in full months before they erroneously submitted the debt for collections. As someone who suffers from a XXXX at a time when I 'm trying to repair my credit after losing my job 24 months ago and exhausting my savings and retirement in an effort to salvage my credit and home from foreclosure. This has greatly exacerbated my inflammation, which in turn has caused me XXXX of dealing with this situation not once, but twice when I should n't have to be messing with this at all considering I paid the bill in full with the original creditor.

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 12/22/2015 about Debt collection (I do not know) with Financial Business and Consumer Solutions. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is an account on my credit report listed as Federal Bond and Collection stating it was opened in XXXX 2015 in the amount of {$2500.00} but the current balance owed is {$4600.00}. This is a fraudulent collection as I did not open any accounts or loans around that time and in those amounts. There needs to be documentation produced to prove this collection is valid and belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Debt was from identity theft and not mine

Company response to consumer: Closed with explanation