milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/26/2017 about Payday loan, title loan, or personal loan (Installment loan) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Charged fees or interest you didn't expect

Complaint: This is about an INSTALLMENT LOAN, Maturity loan for the amount of {$48000.00} approx. My loan was dated from the year XX/XX/XXXX. I have been paying {$410.00} totaling 12 years X 12 months = 144 months, 144 X $ XXXX= {$59000.00} up until XX/XX/XXXX. However, my balance for INSTALLMENT LOAN still shows {$38000.00} approx. 
I received a call from 5/3 bank XXXX XXXX XX/XX/XXXX, stating if you will not pay your outstanding amount your house will go for FORECLOSURE, we will take legal action against you. When I asked them I have already paid {$59000.00}, how come the balance of loan amount is reduce by {$10000.00} and interest on that loan amount is 9.46 % please let me know what is going on? On XX/XX/XXXX I  went to the branch office near XXXX and XXXX in XXXX, ILLINOIS XXXX at XXXX XXXX. I asked the banker XXXX XXXX for contract and calculation for my loan amount, she refused to give me the copy of loan contract she said is not printable, XXXX XXXX showed me on computer screen that {$48000.00} LOAN AMOUNT+ {$76000.00} INTEREST in 25 years, They did not answer me and have harassed me to see foreclosure. I am taxi driver in XXXX, Illinois. I humbly request you to look into my matter. I have never been behind in any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 12/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX and TransUnion are reporting an installment account with XXXX XXXX as a Joint contractual liability, I do not know what this account is nor did I ever sign any documentation with this company. I have disputed it several times and as you can see the credit reporting agencies just writes in the comments " customer disputes but resolved '' this issue was never resolved? I received no validation documentation of what this is nor where my signature is nor that this account belongs to me, as it does not. If no proper support has been provided to the Credit Agency this accounts needs deleted from my account. Please see account comments listed on both XXXX and Transunion as a result of my disputes. Again, I received no validation documentation and have no clue how either company validated this debt as I have never heard of this company nor had any joint contractual liability in that time frame.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Debt collection (Credit card debt) with Alliance Data Card Services (NC).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: On numerous occasions XXXX XXXX/ XXXX XXXX XXXX XXXX called my fathers cell phone number after I asked them not to as this isnt his debt. The collections people were rude and didnt listen to my request. They then started calling my sister and aunt harassing them about the debt. I didnt have any of these numbers on file, in fact my number was on the system. The collector I talked to that day, told me they were going to sue me and take all my assets. I had lost a job previously and was still trying to catch up. They were not willing to work with me on a payment plan that I could afford. I was about to give them my grocery shopping money and have my family go hungry, just so they could stop harassing my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (DC).
Issue: Account opening, closing, or management

Complaint: In XXXX 2015, Citibank was offering a XXXX AAdvantage mile promotion if you open a Citibank Checking Citigold Account Package, set up a bill payment for at least 2 consecutive months, and make at least {$1000.00} in debit card purchases. I received several messages from Citibank stating that I was signed up for the promotion, met the minimum requirements, and that the miles will be processed to my account. However, after checking back with Citibank, I was told that " Unfortunately there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. '' This response was not consistent with the three messages I 've received from Citibank prior.

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 01/30/2018 about Student loan (Private student loan) with NELNET, INC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: XXXX XXXX, my student loan company, sent me an email saying they have given me two months forbearance on my loans due to natural disasters in my area ( mud slides and fires in XXXX XXXX ). I never agreed to this. I was not asked if I would want this. This would mean my loans would accrue interest without a payment made to my principal balance. I now have to call to be taken off forbearance causing me an extra step for something I did not ask for. This seems like a plot to make some money on people who are not closely monitoring their accounts. I have attached the email.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is Public Record Information on my credit profile that I feel is inaccurate in its filing. This derogatory is dismissed and as the term " Dismissed '' means that it is adjudicated by the law, I challenge the bureaus. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they DO NOT VERIFY to credit agencies. By law I have a right to the complete identification of who " VERIFIED '' this to be accurate. This discrepancy has prevented me in my personal life 's pursuit. I am asking the CFPB to advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Debt collection (Other debt) with Convergent Resources, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I lived in XXXX XXXX on XXXX XXXX from XX/XX/XXXX untilXX/XX/XXXX I called XXXX to have my lights, gas and electric turned off, however, they never shut it off and someone else ran up my light bill. I called them several times to remedy the situation and each time they promised that it is resolved. However, a balance of {$1200.00} from XXXX is showing up on my credit report on all 3 agencies. I need this removed and disputed immediately. This is unfair and complete unethical.

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 10/15/2015 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Loan modification,collection,foreclosure

Complaint: I applied for assistance in saving my home with my lender, Bank of America, on XXXX/XXXX/2015. I hired an attorney to help me submit my paperwork to my lender Bank of America. My attorney confirmed Bank of America received my full and complete application and all financials. Bank of America then recorded a Notice of Sale against me on XXXX/XXXX/2015 with a sale date set for XXXX/XXXX/2015. I am told per RESPA - Mortgage Servicing Regulation X XXXX, my servicer is not supposed to move forward with foreclosure ( XXXX ) if I have an application submitted XXXX days prior to any sale date. My application was submitted 41 days prior to any sale date. I feel my servicer, Bank of America, illegally recorded a notice of sale against me and is therefore now " Dual Tracking '' my foreclosure process. I am currently under review for a loan modification. I feel I qualify for assistance. My attorney says I qualify for assistance. Bank of America 's actions appear to violate RESP Reg x ( 1024.41 ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received a 100 point reduction in my credit score from XXXX. When I got my score in XXXX it was XXXX in XXXX it is XXXX. When I reviewed my credit report I found that XXXX had reported me as having a bill of {$340.00}. I have never received a bill from XXXX and since they put me into collection And have never received a bill from them XXXX convergent outsousing.. ) This bill is showing as 1 year old. If I had received a bill from either one I would have paid it immediately. I have always paid all of my bills on time. I Called XXXX who. Referred me to convergent. I called covergent who sent me back to XXXX. XXXX said I would have to go to the collection agency because they can no longer send an itemized bill, when calling convergent again they said they did n't have one but I should pay it anyway. Why would I pay a bill that I never received and did n't know what it was for. I finally filed a dispute with XXXX and explained that I never received an itemized bill from either XXXX or Convergent. The answer to my disputewas " It was my bill. " That, of course did not answer my problem. I am sure that you would not pay a bill that gave you a number but not itemized and did not know what it was for. I have been given the runaround enough. 

I called XXXX in XXXX because I wanted to unlock my phone ''. I could n't unlock my phone unless I knew I had a 0 balance '' and was told by the billing department that I had a XXXX balance and my account was current. I ca n't understand why they would now say this. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Debt collection (I do not know) with DYNAMIC RECOVERY SERVICES, INC. (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX continues to call and calls my work. They will nlt tell me what debt and it is clear that there is nothing as it does not show on my credit report. Nothing has been sent and i know my rights and send me a teue letter on the debt. This company is trying to scam me.

Company response to consumer: Untimely response
Consumer complaint received 04-12-2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (CT).
Issue: Shopping for a loan or lease

Complaint: I got my car from the dealer and I realized 6 months down the road when no bank wanted to refinance my vehicle, that I was truly duped with my car. Inspite of my very good credit they just would n't do it because the other banks said my car was sold way over its value I have been paying my car faithfully even before the due date but the lender refuses to give me a better percentage. I 'm stuck at 11 percent. My car has been to the mechanics for factory problems since day one. But I do n't want to ruin my credit so I continue to pay it. I 'm hard working productive member of society and it needs to be looked into. The loan company has gotten sued many times from the research I made.

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 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Dear Experian, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a FRAUDULENT inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX  who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. Do not contact me via US mail. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your investigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Credit card () with BB&T CORPORATION (AL).
Issue: Rewards

Complaint: My credit card account was closed due to inactivity. I was not notified this would be happening. I have/had {$610.00} in rewards associated with the account and now they are saying since the account was closed they are forfeited. I feel this is an unfair business practice since I had been a good customer and earned rewards for my purchases. They should have notified me that my account would be closed for inactivity. Had I known, I would have claimed my rewards and possibly used the account to keep it open. At this point, I would like to claim the rewards that I had earned which was {$610.00}.

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 07/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ATG Credit, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I went to College XXXX in 2010 and I withdraw because I was going through medial problems at the time, I received financial aid which was paying for my education, they paid XXXX, once I had withdrawn all the funds had already been released the only thing that was cancelled was {$34.00} the rest went to XXXX. Now they are stating I still owe them {$200.00} and have put a collection on my credit report and I had already spoken with them and was told it was not a debt so why is now an issue and on my credit report with someone called ATG Credit collection

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit reporting () with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: There is a judgment on my Experian credit report that belongs to my father, and I have no association with the debt whatsoever. We have called the General Sessions office, and they do not have any information of mine associated with the judgment. However, when I disputed the judgment, Experian did not remove it and verified it as mine. The judgment is not showing up on any other credit reports because it does not belong to me, and I just want Experian to remove the incorrect information from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: XXXX   XXXX   dob   XXXX / XXXX / XXXX  SS #  XXXX   XXXX / XXXX / XXXX    XXXX   and Experian and  XXXX  will not investigate the correct my credit report.     I have send them many letters to correct my   XXXX   account and they have failed to do so, so I am submitting docs the prove my account with  XXXX  is closed and has a zero balance.

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 03/28/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I had contacted equifax to remove a account from XXXX XXXX. XXXX had supposedly sold my account to another company named XXXX. I had contacted XXXX hoping to pay for delete they told me they were not able to do so due to they had sold the account to another agency, yet i signed into my XXXX account and i am still able to pay my balance. XXXX was paid from XXXX yet still want money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Student loan (Non-federal student loan) with Genesis Lending (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was enrolled at XXXX XXXX college in 2011 for XXXX. I took out a private loan with genesis and want to know if my loan was covered by the settlement that was reached that would force genesis to repay the loans?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 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: Account information incorrect

Complaint: I did n't make these inquiries it must be errors.
equifax - XXXX XXXX  Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX XXXX - XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Debt collection (I do not know) with FIFTH THIRD FINANCIAL CORPORATION (KY).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: I have been contacted by a company claiming to be Fifth Third Bank. I do not have an account with this bank, in any capacity. They have called me nine times in the past 2 days. When I answer their calls they refuse to let me speak to a supervisor, however they continue calling.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (LA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received a letter in the mail from Linebarger Goggan Blair & Sampson , LLP claiming I owe {$97.00} to XXXX XXXX XXXX XXXX. First of all my name is not correct, and secondly I have not lived at the listed address of XXXX XXXX XXXX XXXX XXXX in eight years. That being said I have never recieved written correspondence regarding any debt owed to this so called " XXXX XXXX XXXX XXXX. '' and I dispute any validity to this claim as this supposed " collection firm '' is nothing more than a scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: In XX/XX/XXXX and XX/XX/XXXX, I hit a financial rough patch. A lot of this was due to unstable income due to XXXX XXXX  jobs I was performing. In XX/XX/XXXX, my car was repossessed. I quickly redeemed the repossession and had my car back within 72 hours. 

For 7 years, this haunted my credit report. In XX/XX/XXXX, I was giddy that the FCRA enabled this mishap to no longer limit my financial freedom. 

However, it required a complaint with the CFPB on XX/XX/XXXX to get the auto lender to respond on XX/XX/XXXX to me and the CFPB with : XXXX XXXX will honor ( my ) request to remove the redeemed repossession comment from his credit report. We asked XXXX XXXX to allow up to 30 days for the update to be reflected in his credit file. 

As of XX/XX/XXXX, this information was still present on at least one of my credit reports ( Equifax ). I have filed complaints with Equifax to no avail. 

The FCRA provides for this information to be removed from my credit reports. It has been removed from at least one and hopefully after this complaint from all 3.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In   XXXX   I received a {$1500.00} grant while I was attending school, I was told at that time, that I would not have to repay it.   so, 34 years later after rehabilitating this grant into a loan, about {$6200.00} out of pocket, I got my loan down to {$5.00} per month which I could afford, then it was turned over to " FedLoan Servicing '' Pennsylvania  Higher Education Assistance Agency a nd after 3 months they changed the payments ( with out notice or explanation ), to {$100.00} per month. I caught it, voided "  Direct Deposit '' info, then  they revised it again to {$50.00}, voided that, I called and asked why the changes in payments? they said " BECAUSE THEY CAN '' now I have to deal with some of the worst leeches on the Planet Earth, I am now retired and trying to live off Social Security of just {$870.00} per month, I just need help in paying off the remaining balance to be free of this burden, can you help?

Company response to consumer: Closed with explanation