milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-06-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: For the past 5 years, I have been put on a graduated repayment plan that I was not aware of and did not approve, and I did not know that the payments will increase every two years. I work in the public sector, specifically, I am an  XXXX  for the  XXXX   XXXX . Because of my employment in the public sector, I qualify for the public student loan forgiveness program. The payments that I have made can not be counted towards the PSLF. From today I should have had 5 years of payments left towards my loans to receive the forgiveness granted for individuals working in the public sector. But because I was not put in a qualifying repayment plan, I have to start the public student loans forgiveness program all over again. My loan servicer was not compliant with the regulations that the CFPB has set as well as the CFR.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Midland Credit Management has given my information to different debt collectors in the area and my harassment has increased. I have gotten about XXXX letters from different agents pointing that they got the information from Midland and that i 'm about to be sued or should declare bankruptcy. This is an over reach and harassment started by Midland Credit. They acquired a debt that I had worked out with the creditor before hand and have been harassing every since. Before this, I was receiving up to XXXX calls a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2015 about Debt collection (I do not know) with ERC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company has violated the FDCPA and the FCRA. I sent a letter requesting to verify the debt and it is now over thirty days since they received the certified mail request. I have asked them to remove their derogatory information from my XXXX report and they have not complied.

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 01-09-2016 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to my request to investigate and remove XXXX account from my credit report that does not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Credit card () with DISCOVER BANK (NC).
Issue: Delinquent account

Complaint: I am hoping you can help me. I had a credit card with Discover years ago. Due to a divorce and relocation and severe loss of marital income I had to stop making payments in XXXX. 
I have recently received a letter from the IRS siting funds I owe from a XXXX cancellation of debt from XXXX XXXX XXXX ( Discover Card ). I was only contacted by Discover a few times in regards to debt collection and that was within a year of my last payment. In NC there is a XXXX year statute of limitations on credit card debt and even the IRS sites an expiration of a non payment testing period as XXXX months. I am trying to dispute this with the IRS but getting information from Discover has proved to be difficult. I believe the XXXX form that Discover sent me should be for XXXX or XXXX, not XXXX. The debt the IRS is trying to hold me responsible for is too old and the credit card company should be held responsible and made to provide accurate information to the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: ON XXXX XXXX, XXXX, I HAD ATTEMPTED TO OPEN A CAPITAL ONE BANK 'S THREE HUNDRED AN SIXTY ( 360 ) DEGREES CHECKING ACCOUNT AND A CAPITAL ONE THREE HUNDRED AND SIXTY ( 360 ) DEGREE MONEY MARKET ACCOUNT AT CAPITAL ONE BANK 'S BRANCH LOCATION AT XXXX XXXX XXXX, XXXX, MARYLAND XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, THERFORE, I WAS NOT ABLE TO LOG INTO CAPITAL ONE 'S FRONT DESK COMPUTER IN ORDER TO BE SERVED. NEEDLESS TO SAY, AFTER MORE THAN A HALF OF DOZEN CAPITAL ONE 'S BANK CUSTOMERS WERE WRONGFULLY WAITED ON BEFORE ME, EVEN THOUGH I WAS WAITING TO BE SERVED BEFORE ALL OF THEM, I HAD DECIDED TO TAKE A HAND WRITTEN NOTE TO ONE OF THEIR CAPITAL ONE BANK 'S TELLERS. THIS WAS EXTREMELY DANGEROUS SINCE, MOST BANK ROBBERS GENERALLY TAKE HAND WRITTEN NOTES TO BANK TELLERS IN ORDER TO ROB A BANK!!!!!!!!!!!!!. MY NOTE HAD SIMPLY STATED : " XXXX XXXX XXXX XXXX AND AM LEGALLY XXXX, AND HAD BEEN WAITING OVER AN HOUR TO BE SEEN!!!!!!!!! ". I WAS EVENTUALLY SEEN BY THE BRANCH MANAGER, XXXX XXXX, ET. AL., HOWEVER, XXXX XXXX, ET. AL., HAD ALL INFORMED ME THAT THEY CAN NOT AND WOULD NOT OPEN THE AFOREMENTIONED CAPITAL ONE 'S BANK ACCOUNTS, SINCE THEY WERE SO-CALLED, " ONLINE ONLY ACCOUNTS ''. I HAD THEN IMMEDIATELY INFORMED THEM ON A SCRATCH PIECE OF PAPER, THAT I CAN NOT CURRENTLY ACCESS THE INTERNET DUE TO MY XXXX XXXX XXXX. NEEDLESS TO SAY, I HAD FILE FORMAL WRITTEN COMPLAINTS WITH CAPITAL ONE 'S CEO, XXXX XXXX XXXX, ET. AL., TO ABSOLUTELY NO AVAIL, WITH REGARDS TO XXXX XXXX AND THEIR CAPITAL ONE BANK S ' NOT PROVIDING THE NECESSARY REASONABLE AND/OR MEANINGFUL ACCOMMODATIONS AT ANY AND/OR AT ALL CAPITAL ONE BANK 'S BANK BRANCHES IN ORDER FOR ME AND/OR ALL THOSE WHO WERE/ARE SIMILARLY SITUATED IN ORDER FOR US TO BE ABLE TO OPEN ONE OR MORE OF THE AFOREMENTIONED CAPITAL ONE 'S BANK 'S PRODUCTS WITH THE XXXX XXXX DOLLARS ( {$200.00} ) EACH, SIGNING BONUSES FOR NEW CAPITAL ONE '' S BANK CUSTOMERS, INCLUDING ME, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Debt collection (Credit card) with Upstate Collection Center, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: The debt collector keeps sending me collection letters even after I informed them the debt was discharged in bankruptcy, almost XXXX years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (NV).
Issue: Account opening, closing, or management

Complaint: CASE # XXXX ( Reply to answer ) I fid it inconceivable that a bank does not know what branch an account number is associated with. The branch is XXXX XXXX in XXXX Arizona

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I received an email from Citi cards on XXXX/XXXX/17 that there was an activity on my account. I read the email and it stated there was an increase request. I did not apply for an increase. So immediately called card member services and they were closed. I asked my wife to log in at home to see what 's going on, because I was at work. My wife spoke a representative via chat and also emailed customer service. We advised in chat format ( writing ) not to process the increase request, and to document the account this was unauthorized.
I 'll give a little background, we recently moved and sold our house and our mail is forward, with that being said we have not been getting all our mails, and or address has been updated through the postal office with addresses that we do n't reside at. We put a block on our credit report because of this. My wife working in the XXXX XXXX XXXX XXXX and me being XXXX XXXX. We are disgusted the CITIBANK will think that we will apply for an increase and then before the decision decide to lie and make up that 's it fraudulent.
I called and spoke with customer service on XXXX/XXXX/17 and was advised '' there is no way an increase request can be submitted frequently, because the system asks for the last 3 codes the back of the card. So I logged and we tried with out submitting the submit button and it NEVER ask for any pin or codes. So I decided to contact customer service again, and ask to speak with a manager. The manger tells me that that they will have a 3rd party person do a research request to find out if someone logged in manually or it was do n't automatically through the saved logged in feature. This makes me believe that CITIBANK already has made there mind up that this is not unauthorized inquiry and puts me in a pool with everyone who disputes this. I asked for a new credit card to be submitted because I 'm currently staying with extended family while my home is being built and I do n't know if someone has or have access to account information. I have my log information for all accounts stored in closet. I will not make accusations but I have no proof.
.I 'm asking for someone over CUSTOMER SERVICE to look into this matter. I 'm requesting for this unauthorized inquiry to be removed please and someone who is bot bias to review this matter

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 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Experian is continuing to report two accounts from XXXX XXXX that the collection agency has requested them to remove. I filed a complaint with the XXXX in XX/XX/XXXX and the collection agency stated they contacted all three bureaus in XX/XX/XXXX to have the accounts removed. I have called, faxed and sent a certified letter to Experian showing them proof that the accounts were disputed. XXXX and XXXX removed all the accounts within XXXX days, Experian has removed all but two of the accounts. When I called Experian in XXXX and spoke with XXXX he stated they had not received anything from me or any collection agencies since XXXX and he refused to assist me further with getting the additional collection accounts removed. These remaining accounts being reported by Experian are affecting my ability to obtain a mortgage and have caused me damages. I have attached a copy of the original complaint and the resolution from XXXX as well as the documentation I have sent to Experian SEVERAL times requesting that the accounts be removed.

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 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: EQUIFAX has deleted a negative payment history twice and '' re-inserted twice '' on  XXXX   XXXX   XXXX   XXXX  SOLUTION WOULD BE TO DELETE THE ENTIRE ACCOUNT AS   XXXX   AND  XXXX  HAV E DONE.I never received any notice of re-insertion as the law proscribes.I have attached a secondary sou rce report of  XXXX  The last  time I sent this to equifax they removed the payment history in 3 days.It is getting tiresome to dispute this account over and over with Equifax.Please delete the account so the negative does n't reappear.RE-INSERTION without notice violates the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage has stolen a total of {$2900.00} from me via extortion since XXXX of 2016. They will not fix the issue despite the fact that several of their members have admitted they have charged to much, admitted that I have overages of {$2900.00}, and admitted it needs to be corrected. The stopping point every time I deal with them, which is bi weekly and has been since XXXX, is a man named XXXX. He is convinced I am wrong even though all of the evidence is on their servers. 

I have tried to resolve this conflict within their company, it is going no where. I have contacted an attorney, who told me to try this XXXX. I am stressed out about this and there is no reason for that. I am only trying to pay my mortgage every month but they refuse to fix their mistakes and continue to send me threatening letters referring to the repossession of my home. As a XXXX XXXX of both XXXX and XXXX I have no problem dealing with XXXX or handling stress, this time however I have no way to manage this. No help has been offered, no apologies, no willingness to fix their mistakes. I am at my wits end, my wife is scared we are going to lose our homes even though we 've done nothing wrong, I am finding it hard to sleep at night since I can not recover the almost {$3000.00} dollars that Freedom Mortgage has extorted from me. 

I work hard for my earnings and I live within my means however, I can not afford to keep being charged money each month to a corrupt organization that is criminally negligent in their matters. This is not a hard mistake to see, it is simple math. We begin with a giant total ( our house ) and subtract out monthly amounts ( mortgage payments ) until the grand total owed is {$0.00}. For some reason, somewhere between the steps of subtraction and honest reporting, Freedom Mortgage crossed the line. I am sick of this company, I am sick of being extorted, being bullied, loosing sleep, and having to console my wife that we will not lose our home. Not to mention the missed hours in work time I have had to skip in order to deal with Freedom 's inability to fix their own mistakes. I work by the billable hour, so missing 3 hours a week dealing with them adds up quickly. 3 hours a week ( conservative estimate ) x 4 weeks a month = 12 hours a month ; which would be just a hair over {$1000.00}. Again, another sum of money I do n't have because of this horrid organization. 

Please help us, we at our wits end and do not know where else to turn. We are good people who have paid our mortgage every month and have been taken advantage of.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Debt collection (I do not know) with Focus Holding Company (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: FOCUS FAILED TO FURNISH 30 DAY NOTICE, VALIDATION AND WENT ON CREDIT REPORT ANYWAY. 

IGNORED CEASE AND DESIST AND AND DO N'T CALL ORDERS CALLED MY FAMINLT 11 TIMES ON CELL ( GOT PROOF ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NM).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I tried to apply for a gas card through XXXX and was denied due to showing XXXX hard inquires on my credit report. I checked my credit report and as a result saw there were hard inquires on my credit report as well as my personal information is incorrect and needs to be updated my day of birth shows XX/XX/XXXX and that is incorrect. There is information on my credit report that needs to be deleted due to have been paid off, it 's from the XXXX XXXX XXXX XXXX it was originally from XXXX XXXX then was appointed to the government. I have filed a complaint before in regards to the issue I had with XXXX XXXX, which now is XXXX, but related the another issue. It is reported as closed but is showing on my credit report. The hard inquires for these last 12 months are not something that i recognize and would like them removed off my credit reports.
1. XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX ( XX/XX/XXXX ) 2. XXXX XXXX -XXXX XXXX XXXX XXXX, TX XXXX XXXX/ XXXX XXXX ( XX/XX/XXXX 3.XXXX XXXX XXXX ( XX/XX/XXXX & XX/XX/XXXX ) 4. XXXX XXXX XXXX XXXX  XXXX, OH XXXX ( XX/XX/XXXX ) 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I want these hard inquired removed off m y credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Billing disputes

Complaint: My credit card refuses vehemently to refund my {$490.00} plus {$190.00} shipping for an electric bicycle I believed I was ordering thru XXXX. Apparently XXXX ( a " crowd sourcer '' " crowd funder '' ) is known for scams and fraud- but I did n't know this. I have kept all my " purchase '' receipts which use the words " Buy '' and shipping and itemize the charges. It is an ad to purchase an electric bike/ says nothing about funding a " start-up ''. Apparently there is no Ebike and no " campaign owner '' - the only " person '' I could find is called " XXXX XXXX '' ~ who has a # of XXXX XXXX aliases if he exists at all, and has created fictitious partners. I have only seen small pics of the notorious XXXX XXXX entity on some complaint chat boards where he wears motorcycle googles and a hat and could be anyone. my feeling is that XXXX is scamming with these fictitious people- they brag they " collected '' XXXX on the last Ebike `` campaign '' but I have not heard of anyone who has received a bike. What do they do with the $? As others have stated it appears to be a very clever Ponzi scheme. These crowd funding sites were apparently allowed under the XX/XX/XXXX or XX/XX/XXXX Fed Jobs Bill and not regulated in the least. They have also recently been given permission by the SEC to trade securities -/ with NO oversight! 
And they are apparently operating tax free! So the IRS, SEC, FINRA, AGs of CA and maybe other states should be shutting them down- apparently they slide btw categories as a " crowd funder '' " crowd sourcer '' but they are also clearly marketers and sales. It 's unbelievable to me that this co remains at all! As a consumer affairs writer I am amazed and awed at their level of fraud- which seems to be protected from very high places. My MasterCard ( citi ) categorically refused to to return my $ after XXXX stated they did n't have to give it back and I should expect to lose it. 
Remember, The only ad i saw was a product ad by XXXX selling the bike.I believe this co is fraudulent from top to bottom. Why are n't they shut down? This is clearly fraud. My credit card co said it was n't fraud since I gave my credit card// btw, XXXX only has a phone with a tape and no way to reach anyone. They only give " XXXX XXXX '' as " campaign '' contact name. And if u get to the bottom of the " Wave '' Ebike ( product ) and XXXX- the appear to be one and the same.

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 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
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: According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the major credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see by Verifiable Proof ( an original Consumer Contract with my Signature on it ) from Transunion, XXXX, and XXXX what they have in their possesion on file of the derogatory accounts listed on my credit report as well as the unauthorized inquiries with no success. All three credit bureaus failed to positively verify by physical verification as requested by me on several EVERY SINGLE MONTH for these accounts that has hurt my ability to obtain credit. I repetitiously dispute Under the FCRA that unverified accounts must be removed if you are unable to provide me a copy of verifiable proof. My requests have gone ignored and per FCRA you must remove any and all of the accounts that can not be physically verified. XXXX, XXXX, nor TransUnion have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
I informed all three major credit bureaus that The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if the credit reporting agencies fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
In the results of their first investigation and subsequently in their re-investigation, they stated in writing that the accounts were verified that these items are being reported correctly. When I asked Who verified these accounts and for physical proof? XXXX, XXXX, or Transunion have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA All major credit bureaus are required to promptly DELETE all information which can not be verified.

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 03-06-2018 about Mortgage (FHA mortgage) with HOMEBRIDGE FINANCIAL SERVICES, INC. (AL).
Issue: Trouble during payment process

Complaint: Homebridge Financial recently sent me an Escrow Statement in which they astutely projected the expense toXX/XX/XXXX but since they conducted the trial balance in XX/XX/XXXX, omitted theXX/XX/XXXX actual from their calculations.

If this payment had been calculated, I would've had an overage of {$100.00} in the account.

Since the impacted payment would be in XX/XX/XXXX, this continued practice by HFS will always throw a shortage on the escrow. In essence, they are calculating the requirement to 12 months but the actual payments to 11 months. 
This practice is contrary to the rules on escrow and could be impacting thousands of consumers, I have called 3 times already and can not get a straight answer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation