milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-03-2016 about Student loan (Non-federal student loan) with DISCOVER BANK (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I received a call in XXXX that my private Discover Student Loan ( serviced by XXXX XXXX ) was in default and there was nothing I could do to bring it out of default. I was attending school and somehow the information was not relayed that I was still in school. The representative informed me that if I did not make payments, they could garnish my wages. I did not have the money at the time to make a payment. The loan servicer has continued to call me aggressively. The loan servicer also made calls to my family. Recently, I went online to try to make a payment but the account now States " referred to law firm ''. I also noticed additional fees were attached.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (NV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been receiving on average 15 calls a day from a number XXXX, which is a company called Diversified Consultants. I finally answered to see who was calling. The person stated only my first name and said they did not need to state my last. They informed me I owed XXXX for a XXXX XXXX XXXX bill. I informed them that I have never had an account with XXXX  XXXX or XXXX, and the only time I lived in a region that may have offered that service was in XX/XX/XXXX,  although I know I selected XXXX XXXX and I had paid all of those bills. They stated no matter they wanted my SS # and Banking Information to resolve the issue. I stated it is not my debt and if by pure chance I did have an account with them in XX/XX/XXXX, I filed BK in XX/XX/XXXX so it would have be captured during that process, which was completed in XXXX, TX. 
They stated they wanted to be paid, I asked for them to verify the date of service, and to mail me verification of debt, which they hung up. I continue to get calls from this place, they have stated on another call that they will start placing credit reporting on other accounts ( do n't know of what that means ) on my credit report unless I agree to pay the 900 plus fees. I blocked the number as of now since they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MD).
Issue: Managing the loan or lease

Complaint: I purchased a XXXX Ford Expedition from XXXX several years ago and the vehicle was transferred over to Santander who served as the creditor. In XXXX the vehicle was paid off in XXXX ; with late fees being owed on the account. When the vehicle was paid off, Santander agreed to reduce some of the late fees and to establish a separate loan to pay off the late charges. As my wife and I was paying off the late charges, we noticed that the late charges were never reduced, so when we contacted Santander 's Office of the President to address our concerns, the representative reviewed the account and confirmed that the late fees were not reduced and that payment will need to be made in full. There was know attempt to remedy the situation or ot reach an agreement. A few months later, I checked my credit report and noticed that a charge off ( XXXX/XXXX/XXXX ) was placed on my credit report. Santander has not provided me with a title to this vehicle. The charge off has negatively impacted my credit standings. XXXX has failed to conduct an adequate investigation on my auto loan account ( in accordance with FCRA requirements and CFPB Bulletin XXXX ) and has been unfair, deceptive/abusive in their treatment towards providing me service ; which violates UDAAP under the Dodge Frank Act.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian keeps putting phone numbers as they list are not mine nor have I had these phone numbers as a lot of other personal information wrong. 

XXXX XXXX XXXX none of these are my phone numbers I have provided the right numbers and even sent you a copy of my phone number but Experian just keep coming up with information that 's not mines. 

XXXX that is my number that 's in my name. 

I 'm also filing a FTC complaint on Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-01-2017 about Debt collection (Medical) with Capital Accounts, LLC (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: This account has already been settled with my doctor 's office. It was paid in full on XX/XX/2017 directly to my doctor 's office. As of XX/XX/2017, I was still listed with the collections agency, Capital Accounts, as owing a balance. When I called the office administrator at my doctor 's office to address the matter, she said she called Capital Accounts and told them I had settled my account but there was nothing else she could do to get it removed from my credit report. At this point, I 'm not sure what I 'm supposed to do, and now my credit score has dropped significantly because of this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2016 about Debt collection (Medical) with Monterey Financial Services LLC (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was recently contacted by Monterey Collections via US Mail requesting payment on a debt that I do not believe that I owe. I have responded to them with a letter of dispute and request for cease and desist in their pursuit of collection. Monterey Collections is seeking to collect on behalf of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX for lab work that was performed on XXXX/XXXX/XXXX. As explained by my physician at the time, and clearly printed on their brochure, " if it turns out your insurance company does not cover a specific test, XXXX, XXXX assumes all the risk '' and further states, " if your insurance company sends a check directly to you, rather than XXXX XXXX, please sign the back of the check, write 'Pay to the order of XXXX, XXXX XXXX ' and forward the check along with the XXXX to XXXX, XXXX ''. I have sent via certified mail copies of the XXXX from XXXX XXXX XXXX and spoken with the a representative of XXXX who states the check for payment of {$680.00} on approved charges was issued on XXXX/XXXX/XXXX and cashed by the 'provider '. 

I have now received an alert from the company who monitors my personal and financial information against fraud and identity theft, XXXX, that Monterey Collections is " listed as a new account on [ my ] credit report ''. 

I made XXXX attempts to contact Monterey Collections by phone but was sent to voice mail each time where I left messages requesting they contact me to discuss this debt. After no response from them I have mailed them a certified letter and enclosed copies of all the the information listed above. 

I have excellent credit and have worked very hard to achieve this. I am retired and proud to say that I do not have any debt. I do not feel that it is fair that I may have to hire an attorney to resolve this matter when I feel it is a clear example of consumer harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2016 about Mortgage (Conventional fixed mortgage) with FIRST GUARANTY MORTGAGE CORP (TX).
Issue: Application, originator, mortgage broker

Complaint: To who it may concern, Loan officer pulled credit report from all three credit breaus. The simple fact is it happened without my acknowledge and I made it clear from beginning I do n't want the credit report pulled. I made it very clear from the beginning of my conversation that I do not want to pull my credit before I am ready to do the refinance with the loan officer. I expressed it in writing by text message ( see attached screenshot ). 

I have contacted loan officer 's branch manger and he refuse to resolve the issue. 

Thanks for assisting with this matter and I look forward to hearing from you soon.

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 10/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I did not sign or authorize these transaction please delete

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit card () with CITIBANK, N.A. (UT).
Issue: Late fee

Complaint: I called Citi Card Customer service because I got a late fee for being late one day since they did not send me a statement. They email it to me and I do n't have the password to the email address they have on file. I was on hold for over 45 minutes and when I spoke with Customer Service representative said that he could not remove the late fee. He transferred me to another representative and he said that he could not do it and put me on hold again then the line got disconnected. I call again and the same thing happened I asked for a supervisor and the supervisor said he could not remove the late fee either. I was even willing to set up automatic payment so that this does not happen in the future but they refused to take the late charge off my bill.

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 02/22/2018 about Debt collection (Credit card debt) with Alliance Data Card Services (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: My complaint is with PayPal Credit, which opened an account in my name, some time in the mid to late part of XX/XX/XXXX, although I had never requested an account.

I pay for purchases on XXXX  by using my plain Paypal account ( which is identified by my email address ), and that Paypal account is linked directly to my XXXX credit card. I never asked for a PayPal Credit account, since my payments are made directly through my XXXX card. 
When I began getting emails and statements in the mail and continuous phone calls, I spoke to a representative there ( around XX/XX/XXXX ) told him that I never opened an account at PayPal Credit - that he should send me proof that I had requested an account ; he said he would mail me this 'proof ' but it was never sent ( because such proof does not exist ). I do not have his name. I did receive an email confirmation of my request for proof, that stated " We've received the document copy request regarding your PayPal Credit account. Once our research is complete, you'll receive an email notification. '' Now I continue to get phone calls, emails, and statements in the mail, in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX showing that I owe hundreds of dollars in late fees/interest. I want these to cease. If they could show me any legitimate proof that I opened an account, I would pay. 
According to the report in XXXX XXXX ( at XXXX XXXX   XXXX XXXX ), with a consent decree ( see XXXX XXXX XXXX  ) PayPal Credit is under orders from the U S District Court for the District of Maryland ( In re XXXX XXXX XXXX. , No. XXXX, civil action XXXX Settlement agreement ), to halt such actions ( opening false accounts ). I have heard that until the end of XX/XX/XXXX, when a customer was checking out from an XXXX  purchase to make a choice of payment method, that clicking on just PayPal got CHANGED to PayPal Credit by them, which was definitely in violation of the US District Court Settlement agreement. 
I have attached the " statements '' from PayPal Credit, which, to make matters worse, are in the name of my wife, XXXX XXXX ( who has not had an XXXX account for ten years! ). Nevertheless, the phone calls come to my cell phone, and emails come to my email address.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Debt collection (Auto) with Byrider Franchising, LLC (MI).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Sold me a vehicle, insisted an insurance payment was included in the payments for the vehicle, continues to collect money for it wo n't provide a policy number, also " guaranteed '' me that it was in tip top shape, and that all needed repairs were seen to before the car made it to the lot, I have put 800 dollars in repairs in 5 months for things I was told were already repairs. I had taken the vehicle to the service department on multiple occasions, was told nothing was wrong, only to be inspected by a licensed third party and fail insurrection for multiple safety issues, still shakes profusely at medium to high speeds, I returned the vehicle and they have contacted me XXXX times in less than a week, and have begun to text me on my personal line as well, they are attempting to force me into admitting it 's a repossession, rather than voluntarily returned due to being suckered into a contract under false representations of repairs warranty and insurance coverage being included and it was not. I was also told that every successful payment will be reported to creditors and not XXXX of them was ever reported XXXX, I was promised that it was a credit building operation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2015 about Mortgage (Other mortgage) with CITIBANK, N.A. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Citimortgage will not refinance or reduce our 9.5 % interest rate XXXX mortgage because of a " perfect storm '' of issues including ... .the date we purchased our home/took out loan, the fact that we are " upside down '' in our mortgage and the fact that we remain current on our loan. 

I have tried multiple times to get Citimortgage to refinance or reduce our interest rate to a more reasonable and current interest rate. They continually refuse citing the above reasons. 

We make our payments on time, but the payments go almost exclusively to pay the interest and we get no where on paying off the principal. 

I realize we are their " cash cow '' so they have no desire and do n't meet their " criteria '' to assist us, but the interest rate is grossly unfair and so far off the current rates.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Earlier this month, I was pre-approved for a mortgage loan. As part of the application, the mortgage broker sent me a summary of my credit scores from the  XXXX  credit-reporting companies that included factors adversely affecting the scores.  One of those factors was too many credit inquiries during the previous year. The only inquiries that I remember authorizing are by my bank for a mortgage pre-approval in 2016 and the most recent one by the mortgage broker. I was concerned, so I requeste d my credit reports from the  XXXX  credit-reporting companies and learned that there have been multiple inquires by credit card companies and insurers, which I presume are used to market products to me. I never authorized these inquiries, and even thought I have a relatively high score, it seems unfair that inquiries by companies should adversely affect m y credit score.

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 07-05-2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (AZ).
Issue: Managing the loan or lease

Complaint: Wellsfargo financial misapplied my XXXX 2014 payment, per XXXX XXXX, which led the bank to apply a late charge. 

My monthly payment is {$64.00} but because of the one misapplied payment ( I overpay every month ) the bank, per XXXX, was assessing late fees and placing them into my principal balance, which led to strictly late charges causing my delinquency and they continued to assess late charges almost every month there after, all to my balance which would incur interest. 

My understanding is that banks can not charge interest on late fees and late fees can not cause a loan to be delinquent. 

The bank admitted their error but told me before waiving all of the inappropriate late fees ( all late fees ) that I had to pay over {$200.00}, much more than my {$64.00} payment. Had I not been an employee of another financial institution and well aware that they could not make me pay money 's not owed I might have paid to resolve my account, they did insist I pay it to get myself current so they could fix their posting errors and remove the late fees that I have and would be paying. I refused and asked to speak to XXXX 's supervisor, whom I 'm sure was n't there on a Sunday, and cited that how they treated my account, if it was as XXXX described was in direct violation of FDCPA/CFPB regulation and I 'd have to lodge a complaint. She did correct my account supposedly, but I fear for other customers, who knows what they are doing, and honestly I wo n't believe my account is fixed until I see it, particularly all of my overpayments correctly applied.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-03-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: In year XXXX, I opened a Capital One Bank account. In year XXXX, I already paid off the debt that I owed from Capital One Bank. Ever since I paid off the debt in XXXX, I shredded my credit card, and never used it again. In XXXX XXXX, XXXX, I have received a letter from XXXX XXXX XXXX, the letter was stated that I owed Capital One Bank {$3100.00}. 
In XXXX XXXX, XXXX, I wrote a letter to XXXX XXXX XXXX, the description of the letter was about " I have never taken out a loan from Capital One Bank '', I requested them to verify the debt ; however, in XXXX XXXX, XXXX, XXXX XXXX XXXX sent me another letter, the letter stated that they have completed their investigation of my dispute concerning my account. They have obtained and reviewed the attached documents related to this account, which establish its validity. I want to strongly point out that the attached document is Capital One Invitation that shows that when I first opened Capital One Bank account in year XXXX, I had provided my social security number, and my mother 's maid name. I 'm extremely irritated because they used the Capital One Invitation letter as their reason to claim that I owed {$3100.00}. I feel like Capital One Bank is trying to rob me. The Capital One Bank is harming me mentally and psychologically. I could n't sleep for days because Capital One Bank is trying to rob XXXX from me. Last but not least, I strongly emphasize that I do not owe Capital One Bank any money, not even a dime. 
My personal thought : when I received the first letter from XXXX XXXX XXXX, I felt like it was very unusual. Debt collector tried to collect debt from me after many years later. I do not have Capital One Bank anymore. I destroyed my credit card when I paid off my debt. My highest debt back then was around XXXX {$.00} 
P.S. In year XXXX, my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: Experian and XXXX are not investing nor providing the method of verification for the following item : XXXX BKPT CT IL XXXX / XXXX Additionally, how are Experian and XXXX able to verify what XXXX can not. What is the method of verification and who are they talking to? 

XXXX XXXX XXXX still working XXXX XXXX response is in progress as of XXXX/XXXX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

COMPANY 'S INTERIM RESPONSE *XXXX XXXX the complaint, its records and initiated a reinvestigation. *XXXX XXXX not receive any additional communications from the consumer during the review of the complaint. *XXXX XXXX mail the results of the reinvestigation within 30 days. 
Company responded STATUS Company responded on XXXX/XXXX/XXXX RESPONSE TYPE Closed with explanation XXXX 's XXXX XXXX has reviewed your complaint and its records regarding your dispute. Please be advised the disputed Bankruptcy case number XXXX has been removed from your XXXX credit file. Written confirmation has been mailed to you. Please allow XXXX business days for delivery. If you should have any additional questions or concerns in regards to your XXXX Credit Report, please visit us at wwwXXXX to learn more.

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 06/15/2017 about Student loan (Federal student loan servicing) with Kentucky Higher Education Assistance Authority (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have several student loans thr ough KHESL ( Kentucky Higher Education Student Loans ) that have been consolidated through the Department of Education in  XXXX  2016. ALL of my loans are showing in FOREBEARANCE, DEFERRED, PAYING AS AGREEDetc. These loans should have been closed and ALL of my Credit Reports should reflect this. I have been battling this with the credit reporting agencies and this still has not been updated corr ectly and it is over a year.

Company response to consumer: Closed with explanation