milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX, XXXX, Equifax XX/XX/18 Dear Sir or Madam/To Whom it may concern, You have listed inaccurate items on my credit file and I need to have them removed as soon as possible. These inaccurate items ( listed below ) are affecting my credit score and livelihood. Please delete these immediately. 

Here are the erroneous accounts you have listed. Please delete the following : XXXX XXXX XXXX Accounts : 1. Cable Bill? XXXX XXXX XXXX   Account # XXXX 2.Phone Bill? XXXX XXXX XXXX Account # XXXX 3.Medical Data XXXX XXXX XXXX XXXX , Account # XXXX Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Under federal law, you have 30 days to complete your reinvestigation. 

I appreciate your time and attention to this matter. 
Sincerely, XXXX XXXX Social Security Number

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: In XX/XX/XXXX, my online Navient account advised that I didn't need to make a payment till XX/XX/XXXX. No reason was given. To be clear, I didn't ask to delay payments. In fact, I have previously exhausted my ability to do so. When a resumed payments I noticed my " estimated payoff date '' changed by THREE YEARS. It went from sometime in XX/XX/XXXX to now it's XX/XX/XXXX. I believe it was those two " don't have to pay '' months. 

My loan started in XX/XX/XXXX. How in the XXXX can it take 28 YEARS to pay off? Stuff like this is the answer. Navient has failed as a loan servicer provider, as their mission is to keep people paying as long as possible so to collect as much fees as possible. Horrible communication and shady actions, such as what I described above are their hallmark.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Credit card () with CITIBANK, N.A. (CT).
Issue: Late fee

Complaint: I have filed a number of complaints against Sears MasterCard and again I find the company has charged me a late fee of {$35.00}. XXXX when in fact a check was written for the amount due and postmarked with at least a week prior to due date. I am referencing check number # XXXX in the amount of {$340.00}. It appears Sears MasterCard did not process the check until after the due date leaving the consumer to pay its late fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian In CFPB complaint XXXX and XXXX stated that XXXX XXXX XXXX which appears on Experians credit report with account XXXX ... had each time Experian contacted XXXX XXXX XXXX verified the debt and noted that I disputed the account. However, the fact that XXXX XXXX XXXX which lists a XXXX, XXXX XXXX MN XXXX and which the Minesota XXXX has confirmed that all mail to that XXXX is returned as non-deliverable lists an address identification number XXXX which belongs to XXXX needs to be clarified. This is the first time I have ever seen a company use another companies address identification number without authorization and suggests that XXXX XXXX XXXX does not have an address identification number with Experian which also would indicate they are not authorized to place any account with Experian. I have no doubt when Experian investigates the unauthorized use of XXXX XXXX address identification number Experian will delete this account from my credit report or at the very least provide and explanation as to why a company in Minnesota is using XXXX address identification number.

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 12-04-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with TD BANK US HOLDING COMPANY (DE).
Issue: Trouble during payment process

Complaint: I have a home equity line of credit with TD Bank. My payment is due the XXXX of every month. My XX/XX/XXXX payment was paid on XX/XX/XXXX. Instead of paying the total current due, which was {$150.00}, I paid {$7400.00}. After paying said amount, the updated total current due was zero. I  received a notice, dated XX/XX/XXXX, which read in capital letters, " THIS NOTICE IS A REMINDER THAT YOUR ACCOUNT IS PAST DUE. WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. PLEASE MAKE YOUR PAYMENT TODAY. '' It also included the following information : Past Due Date : XX/XX/XXXX Finance Charge Past Due : {$150.00} Unpaid Late Charge : {$7.00} Total Amount Due : {$160.00} As a result, my XX/XX/XXXX total current due has the {$160.00} tacked on for a total of {$300.00}, which I paid, upon receipt of the aforementioned notice, on XX/XX/XXXX. To recap, I paid my XXXX payment on XX/XX/XXXX AND XX/XX/XXXX, plus a late fee. This equates to a DOUBLE payment. 

This is no longer about the money, it is now about the principle. I wasted over an hour at their XXXX XXXX location on Saturday, XX/XX/XXXX. I had to repeat myself 3 times to 3 different employees, stand for over 30 minutes at the teller 's counter, while XXXX XXXX was on hold with whichever department she called to correct my problem, then was told by XXXX XXXX that they had no idea how long it would take, and for me to leave, and expect an update via telephone. After hours went by with no update, I finally called them. XXXX XXXX informed me that there was no update, because whomever picked up had no idea how to fix it, then transferred them to someone else, who, after hearing my problem, hung up. 

And TD Bank is supposed to be one of the 10 largest banks in the United States?! It is more like " The XXXX XXXX '' XXXX. Also, as an FYI, this is the SECOND mistake they made in less than two months. The first happened on XX/XX/XXXX, which they chalked up to an encoding error. I wrote a check for {$480.00}. They encoded it as {$1100.00}, which left my account with a balance of - {$660.00}, then charged me a {$15.00} maintenance fee.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2017 about Consumer Loan (Vehicle loan) with EQUIFAX, INC. (TX).
Issue: Managing the loan or lease

Complaint: Delinquency reporting error. 
I want all the Credit Bureau to update my payment paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: Citi Bank stopped sending me paper statements without notification, which caused me to have two late payments which included late fees and interest. I have paid my bill current, have never been late before and paid in full every month. I have called customer service three times and we have come to the conclusion that, when you use the online site a box pops up with a check mark already in it. If you do n't remove the check mark, you have signed up for e-statements. I find this action very deceiving, if I wanted e-statements I would ask for it. I called after my first payment was late when I received a letter advising me. I was told I would now receive my statement in paper from Citi Bank. Citi Bank did not follow through, the following month the same thing happened and I had to make my second phone call to correct the same issue. Once again paid my bill in full over the phone, and requested my statement be sent to my home in paper form. Today, I received my past two statements as I look through them I wonder if interest and fees were credited. I make my third phone call, to find that Citi bank will only credit me one month of fees. I feel this practice causes consumers confusion, I just want to pay my bill. I do not want the banking instruction to solicit me whiling I 'm banking.

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 10/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GREAT LAKES (TX).
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: I consolidated all of my student loans with the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX services my new loan. They are still reporting a previous default loan that is over 7 years old. The credit bureau can not remove it, and XXXX sent me a letter accusing me of fraud when I disputed the age of the negative mark on my report. The information is a duplicate as of now, because I have a new loan not in default because of consolidation and the information they are reporting on my previous default is from 11 years ago and per the statute of limitations on student loan reporting once the loan is sold the delinquent information can only remain on my report for 7-10 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-12-2016 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (OH).
Issue: Payment to acct not credited

Complaint: I have received 3 phone calls in regards to check smart from a company claiming to be called " Corporate Office '' in regards to an unpaid balance ( which has been paid and I have my receipt ). They have called me three times in the past two days, XXXX number they have to call back does n't work ( XXXX ) XXXX XXXX ; had to do a XXXX search to find a working number and when I got through to someone her name was XXXX XXXX, she was EXTREMELY rude and not willing to help me unless I gave her my SSN, so I asked for a manager becaue I had no idea who the company was and why they were calling. Then the manager offered to look me up with an address and name ; she only asked for XXXX identifiers rather than XXXX which is also required through the FDCPA in regards to debt collection. Then she said I do n't know why we called you paid sorry. Then when I tried to explain that her employer was extremely ruse she told me that it did n't matter because they were n't protected by the FDCPA and to have a nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A collection account that was place on my credit report by XXXX XXXX XXXX XXXX NV XXXX XXXX NV XXXX Account # XXXX. This is Identity theft is a fraud account, TransUnion let this company put a fraud account on my credit report with proper documents to prove this my account and second this collection company has never mail me anything regarding a collection account and as well as the original creditor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (TX).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Hello, I have an amazon   prime   store card managed by Sync Bank.  Amazon  offers the option of 5 % off your purchase or 0 % financing for 6 months. I would never willfully opt to select 0 % financing for 6 months. I set my default selection as 5 % off my purchase as a statement credit, yet I went to check out today, and 0 % financing for six months had been selected. This happens to me regularly, when I go to check out, 0 % financing will be selected despite my default being set to 5 % off. I contacted customer service about this, and they said that if it is my default setting to have 5 %, then it will stay at that setting until I change it, unfortunately this is not the case.     What makes this more alarming is that amazon constantly advertises 5 % off with using their prime card, yet they routinely change the default setting to 0 % financing at checkout without even asking the card holder. There have been a number of times I 've placed large orders and forgotten to make sure they had n't switched the selection on me, only to find that I lost the 5 % savings because of something amazon did, that was not my selection in anyway. This is an unfair and dishonest practice, that is literally taking money from people who pay their card everymonth. I have other cards I could use with cash back, but purposefully use my amazon card due to the 5 %, only to be duped by Amazon on a regular basis.

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 09/29/2015 about Debt collection (Medical) with Receivables Management Partners, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I see a collection account on my credit report, which is not mine, so I try to contact them by phone so it was very hard to get through them anyway, finally, when I able to talk with them, they are not a helpful and thread me to mess my credit report and keep messing my credit report till I paid them so I write them a letter requesting VALIDATION of debt, After that they did n't respond to letters and take off from my credit report But since then they keep reporting on my credit report after every couple months I have to go and dispute then again and again to clean my credit report but they still on my credit report.

Company response to consumer: Closed
Consumer complaint received 06/23/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Credit Bureau refuses to remove or validate erroneous false information on my credit report. Credit Bureau Reps admit that a " computer " verifies it. I have repeatedly asked for their method of verification which is my right under the FCRA section 611 ( a ) ( 7 ). I have contacted the courthouse and I have a letter from the Clerk of Court that stated that they DO NOT VERIFY with the bureaus. They will not tell me what third party vendor they " verify '' with so that I can dispute directly with them. 
The information that they are reporting has many factual inaccuracies which they refuse to correct or delete.

Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Re :  XXXX   XXXX  finance loan Opened on  XXXX   XXXX ,   XXXX   Talked to the lender many times and have sent a copy of my grandmothers death certificate because the loan is in HER name and still, they have not removed the debt from my report or stopped trying to collect on it.

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 08-03-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Other

Complaint: i paid a company blue chip dev. XXXX on XX/XX/2016.when i realized i had been taken i called my credit card to dispute this transaction.i was first told they could not find a billing error.it was not a billing error because i had given them my information.this was services not rendered to me. i am XXXX years old, this is more of unfair and deceptive trade practice on the elderly.the bank went along with this fraud and found in their favor.this is only a portion of what they charged me.other cards responded favorably so how can some do and some dont. i dont feel as if the bank even looked into this.the amount charged has to be illegal.seems as if the bank just sent a form letter to bad.i dont know by law how much the bank or merchant are held responsible but this is thievery.i would expect more from my financial institution.

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 06-08-2015 about Credit card () with CITIBANK, N.A. (AK).
Issue: Credit line increase/decrease

Complaint: I have a credit card account with AT & T Universal. ( CITI ). My interest rate was raised to 16.9 %, I was told by an account rep. that it was raised because my daughter 's student loan, which I co-signed for, was late in payments. I have subsequently taken over her payments to ensure it does not affect me again. I have paid off all my credit cards, except this one. My FICA score increased to XXXX. I contacted AT & T Universal ( CITI ) to see about reducing the interest rate. I was told " its not that type of card, its revolving, ca n't help ''. It strikes me that if my interest rate can be raised for a co-signed loan, but not lowered with an increased score, the credit card company can do anything they want.I do n't think that 's fair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-06-2016 about Mortgage (FHA mortgage) with Stearns Ventures, LLC (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Stearns Lending charges a fee for making payments within the 15 day grace period. Charges illegal late fees.

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 04/27/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Collector named, XXXX XXXX of Portfolio associated and XXXX, who both claim to be in management, refused to transfer me to management after I stated they are abusive on the phone. They would not transfer me to management, and hung up on me. All this is after I sent a letter to CEASE CONTACT, in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/29/2016 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: ACCOUNT RESOLUTION SERVICE # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with ACCOUNT RESOLUTION SERVICE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt ACCOUNT RESOLUTION SERVICE purport I owe. I request that ACCOUNT RESOLUTION SERVICE. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ACCOUNT RESOLUTION SERVICE Cease and Desist all further communications and collection actives and provide the verification of the purported debt. Nothing in this section relieves a collection agency from complying with the " Fair Debt Collection Practices Act, '' 91 Stat. 874 ( 1977 ), 15 U.S.C. 1692, as amended, or deprives any debtor of the right to assert defenses as provided in section XXXX of the Revised Code and XXXX XXXX XXXX, as amended.The account Number # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2015 about Debt collection (Credit card) with STERLING JEWELERS, INC. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been out of work for most of XX/XX/XXXX due to moving, illness, and a car accident. I have received repeated calls from Sterling Jewelers/Kay Jewelers during this time in an attempt to collect a payment from me on an account for which I owe less than {$120.00}. I have tried to make the payments when they set them up but with no steady income I have been unable to follow through. They call up to 4-5 times a day, often from different numbers, in an attempt to make me answer the phone I assume. I have blocked XXXX numbers to date that I know belong to this company and yet they still call. They call late in the evening as well. They are sometimes rude and continually ask when I think I can pay and I 've told them I do n't know as I am trying to find a job every day! I just recently was given a position but it does n't start until XX/XX/XXXX and they still want to know when I can make a payment.

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