milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/14/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Delinquent account

Complaint: I have a Zales account - which is a Citibank product. I am behind on payments and am trying to make a minimum payment. Their website will allow me to pay only THEIR minimum payment which includes all arrears - {$590.00}. I do n't have that much and would like to make a smaller payment, but their website will not allow me to do that. I want to pay - I just can not catch up right now ( going through divorce ). Should n't they accept any payment? After the first year, they added over {$1000.00} in interest to a {$2500.00} bill. Insane!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/18/2016 about Credit reporting () with Experian Information Solutions Inc. (OH).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian Credit Reporting Agency continues to report inaccurate and false account information from both XXXX XXXX XXXX and XXXX XXXX that I have repeatedly and desperately trying to have removed and completely deleted based on the numerous and legally binding documentation that I have submitted to XXXX the creditors and Experian proving that I was a victim of Identity theft in 2014. I had a credit fraud alert in place at the time that these accounts were opened fraudulently and without my written or verbal authorization. I was told by the representative at Experian that although it is advised for they credit companies to verify with anyone who has a fraud alert in place with any activity associated with their person and private information. " They are not obligated to do so, its not the law ''. Therefore I feel as Experian is violating my consumer rights to report accurate information by continuing to report that these accounts are in collections and XXXX past due without proving that this is accurate. I have PROVED over and over again that I not only did not open any of the accounts that I am disputing, I did not live at the addresses they have provided Experian, and I have far beyond provided multiple forms of documentation proving this. The companies that Expieran is reporting information have not provided me nor them with ANY documentation or proof that I was the personal initiating any accounts with these companies. They continue to deny my request for a verbal or signed consent from me to be able to continue to ruin my life with the inability to qualify for a home loan and now I have been denied for financial aid for my son 's tuition to attend school next year. PLEASE HELP

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 06/16/2016 about Mortgage (VA mortgage) with MOVEMENT MORTGAGE LLC (NE).
Issue: Application, originator, mortgage broker

Complaint: I was supposed to close on my house in Nebraska with Movement Mortgage on Friday, XXXX XXXX, 2016, however, my mortgage company failed to provide me with a closing disclosure form. This delayed our mortgage over the weekend. The Wednesday prior to close, I was contacted by Movement Mortgage and informed the lady who had worked on my mortgage was sick and her manager was filling in to complete the process. Today, Thursday, I was contacted by another Movement Mortgage representative and informed the lady who was " sick '' is now " AWOL '' from the company and never sent me the closing disclosure form on time, which meant we had to push back our closing date- impacting all prior arrangements a day before the closing date. 

As of this time, we are set to close at the later date, but this failure on the part of Movement Mortgage is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (CO).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Before moving overseas in late XXXX, I called in to pay my USAA credit card account in full. During the conversation the representative, they let me know that the payment was completed, however, it was not. I did not find out about this until I returned to the U.S.. Once I did I spent time trying to figure out what had happened and then paid the balance. the representative admitted that they made a mistake entering my account number and once paid this item could be corrected on my credit report. Another issue was that I had always received email bills and statements, but I never received anything involving this bill. 
I have tried talking with USAA on getting this resolved as well as the credit bureaus, however, I have gotten nowhere.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (MT).
Issue: Managing the loan or lease

Complaint: Capital One loan is for a recreational vehicle which we 've been making payments on for approximately 8 years. For all of those years, we have made a monthly payment of {$99.00}. The loan began as a fixed rate, but recently, in the past 6 months, additional fees have been added, we 're now told that the loan is variable rate. Every month for the past 5 months, we 've had to write or call customer service and get charges removed. We 've also been charged late fees when the payment was not late. We 've been told that the payment must be made BY A CERTAIN TIME on the due date or it 's considered late.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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: There are 3 medical collections being reported by XXXX XXXX XXXX in XXXX, LA. These are NOT my bills and I have asked for validation of debt. However, I've tried to dispute the accounts through all credit reporting agencies and they have not removed them.

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 09-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I complaining about the fact when before Navient my loan balance was {$11000.00} XXXX and now at XXXX, XXXX with Navient and thats insane just because i had my loan on forbearance because its very hard trying to make loan paying and rent at the same time

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 Professional Debt Mediation, Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: on credit report its says XXXX XXXX XXXX which I have never lived or been associated with at all I lived in the apartments next door XXXX XXXX and they refuse to answer anything or delete it my next step I will be pursuing legal action if this is not removed within 30 days

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 06/23/2016 about Bank account or service (Other bank product/service) with MCCUE MORTGAGE COMPANY, THE (CT).
Issue: Account opening, closing, or management

Complaint: We signed a contract to purchase a bank owned property or short sale. Property address : XXXX XXXX XXXX, XXXX, CT XXXX. Contract was signed XXXX/XXXX/16 and XXXX/XXXX/16. Repeated communications in regards to moving forward. On XXXX XXXX we were advised that it was assigned to a rep at McCue mortgage and we would hear something soon. On XXXX XXXX after we inquired we were told that additional documentation was requested by the seller the week before and the seller was obtaining information. We were advised we would hear something back by XXXX XXXX. On today 's date ( XX/XX/XXXX ) we were advised by the short sale negotiator that McCue is VERY slow and they are likely another couple of months from an approval. They have not finished financial review yet, based on the financials they have asked the seller for. They have not ordered and appraisal or title report yet. Short sale negotiator states that they have had at least XXXX files with McCue in the last year and they are taking way longer than most other lenders. We are desperate. We will not have a home XX/XX/XXXX. We need to know if we will be able to purchase this home by then. We have XXXX children and need an answer as soon as possible.

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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I filed bankruptcy in 2016, but did not include my home mortgage. I have continued to make all of the payments on time for more than a year now, but noticed that my credit score has not increased. I called the mortgage company to ask if they were reporting my monthly payments, and was informed that they are not. I was told that unless I call the bankruptcy attorney and have them submit a reaffirmation letter, that they will not report my payment information. I explained to them that I really needed it reported so that my credit score will increase, but they refused. I then contacted the attorney and told her what the mortgage company said. She advised me that I did NOT have to complete a reaffirmation, and that the company was just being difficult. She advised that I call the credit bureaus and have them assist me in persuading the mortgage company to report my monthly ( timely ) payments. I called Consumerfinance.com and was advised to submit a complaint if the mortgage company was not willing to report. I called the mortgage company and asked, once again, if they would report, and was again told no. He said that the reason was because at one time, the company had an issue where one party on the loan wanted the info reported, but the other did not. I explained that this can not possibly happen in my case because my previous wife had passed away, so there would be no one who could possibly complain should they report my payments to the credit bureaus. Again, he refused.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Mission Financial Services Corporation (NV).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The company claimed they corrected the problem and as of XX/XX/2017 the company updated the information to {$13000.00} plus dollars which previously the company responded was incorrect. This is continuing to make my credit unstable and I am considering retaining counsel if this continues this has been going for at least a year.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with DISCOVER BANK (AZ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I graduated from XXXX in XX/XX/XXXX. I did not find meaningful employment right away for not passing the XXXX. I became unemployed in XX/XX/XXXX due to the financial crisis but found employment again in XX/XX/XXXX. In XX/XX/XXXX, because of excessive debt, I filed for Bankruptcy protection ( Ch. XXXX ) and one of my student loans was discharged ( because it did not have a separate guarantor ). In XX/XX/XXXX, I took and passed a XXXX though my income is not what most graduates 13 years removed from XXXX make. I have been attempting to pay my private student loans ( Discover Financial ) monthly and since graduating XXXX, have had my federal student loans on deferment ( continuing to accrue interest ). My XXXX accounts with them ( now totaling {$25000.00} down from {$40000.00} ) where I have paid substantially more interest than principal since graduating more than a decade ago, are now hovering between 120 and 150 days past due. I have repeatedly asked Discover to help me modify the notes and restructure payments so that I can begin paying my federal loans too where the balance is almost {$89000.00}. 
Discover Financial continues to deny that request when I call every two weeks and seem more interested in letting my loans go into full default so that they can make a claim on the insurance policies they have for these XXXX loans. Such a default will make Discover ( or XXXX the original lender ) whole though it will undeniably subject me to harassing collection calls ( anticipated to be XXXX XXXX XXXX ) and litigation, with a judgment inevitably entered against me or my elderly parents ( guarantors ) who have no steady income or ability to repay as they ride our retirement. 
I am begging for assistance from the insurance company XXXX XXXX ( operating as XXXX XXXX XXXX ) though I am not getting any cooperation from them either. Any assistance you may bring against these companies would be appreciated. 

Related, I would like to point out that Discover deceptively omits a borrower 's ability to pay less than the total amount due and outstanding in their mailed statements ( which I never receive anymore ) and through their online portal and website. Each time a borrower logs in, every screen including the PDF versions of their statements indicates that the entire past due balance must be paid. That would be true to bring it current though it would not be true to keep it from charging off. In my case, a payment of about {$230.00} per loan every 30 days will prevent charge off and a subsequent claim upon the insurer. However, each time I call, and each time I log in, I 'm told I have to pay about {$2300.00}. This sounds like a UDAAP violation to me worth of redress.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Credit determination

Complaint: RE Capital One 's Account XXXX : The complainant is a subscriber to monthly credit report monitoring. Recently, XXXX entries from Capital One appeared out of the blue on my credit report. 
These entries have been extremely damaging and have had a negative impact on my credit score and to my ability to obtain financing. 
Several written inquiries to the respondent have been issued including by counsel, and they have refused and continue to refuse to withdraw the derogatory information. 
I wholeheartedly dispute their entries ; I was a victim of identity theft, the respondent has not verified the account, and furthermore the entry on my credit report by them is beyond the legal each the statue of limitations : ' '' Account Last active in 2009 ''.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I received loan for my daughter that was cosigned by my parents which my parents paid off. Before they completely paid loan off they had filed bankruptcy and there was only approx. a {$1000.00} balance left to pay off. While filing they agreed to continue to pay the remainder balance which they did now Navient which was previously XXXX XXXX are trying to charge me for the intial loan that has already been paid off. They have received legal documents showing that the loan was paid off and they still refuse to clear my credit report with the false claims they put in my name trying to receive over {$8000.00} for account that was completely paid off. They removed my mothers name from the account and produce an account with my name on it only charging me the whole balance of the initial agreement that was already completely paid off by me and my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have had this account for close to a year. It has been on auto pay during that time. I have attached an accounting of my payment history. I changed bank accounts and realized that I had not corrected the information at Citibank in time for them to take the money out of the new account. I manually paid online the payment PRIOR to it 's due date ( XXXX ) and that payment posted XXXX. It came to my attention when I received a notice that I had a check not honored and that I had incurred a fee of {$25.00}. I researched my payment again and called Citibank. Even though I had made a payment PRIOR to the due date online, manually, Citibank still proceeded to take ANOTHER payment from an account that was closed AFTER I had made a valid and accepted payment prior to that date. I was connected to a foreign service and after much confusion and language issues, it was finally told to me that I CAN NOT make a payment outside of the auto pay. If I want to do that I have to call them, have them cancel auto pay and then proceed to make my payment. This sounds absolutely ABSURD to me. I 've had many auto pay accounts with other banks and if a payment is made manually before the due date, that auto pay is cancelled for THAT payment. It is a simple computer programming issue. NOT SO WITH CITIBANK. They have figured out a way to trap us into making multiple payments and paying a returned check fee for a payment that was n't even required! Furthermore, they add the fee to the outstanding balance and incur interest on top of that too! THEY WILL NOT REVERSE the charge even for an outstanding customer. I have paid off the account as of today with Citibank. I do not want to do business with a company, that for one ... I can not talk with anyone in a branch locally ( I can request to talk to a branch but that branch might be in another state ), and also an XXXX XXXX that is so intertwined with having overseas people handle their customer service. Branches are being closed everywhere it seems, my closest branch about 30 miles away is now closed. I have a Sears Card that is issued by Citibank ... I 'm canceling that and any other account I run across that Citibank is an issuing bank.

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 04-04-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with American Professional Collections (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I have cosined my cosin for rental apartment as of XXXX/XXXX/XXXX with 12 month lease ended on XXXX/XXXX/XXXX. He committed to pay his rent for the whole period, for unreasonable rental increase he was late to pay his XXXX XXXX rent on time and after he tries to give them the check the refused it and send him attorney eviction notice. 
As of XXXX/XXXX/XXXX I have visited them with new comer to get rental apartment and paid XXXX dollars as primary deposit, but this person changed his mind. 
Hardly they gave me the {$150.00}, but next day they open this collection against me for the amount of {$3900.00}. 
When I called the collection office the lady told me that you are still liable for month to month lease while there is no agreement has issued between them and my cosin, and she also told me they tried to reach my cosin 9 times with no respond. 
He called her today and asked her to remove the collection from my side while that is illegal action for the life time contract and start reschedule payment with him, but she still want keep it on mine. 
Please help me out my name is XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 10-05-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This debt collector keep calling my home phone. When my dad or my mom picking up the phone they hung up. They were bothering my parent resting. Also, they keep calling my cellphone in the morning, afternoon, and in the evening past XXXX XXXX. I spoke with them before on the phone, they 're aggressive and had an attitude at me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/15/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (NC).
Issue: Can't stop withdrawals from your bank account

Complaint: They take money out of your bank accou nt two and three ti mes a month I wish I never got loan through them

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This account was closed and resolved. It was not on my credit report. The last payment on this house was XX/XX/XXXX and it went to foreclose in XX/XX/XXXX. This account did show on my credit report for the past 11 plus years. I have spoken to several employees from this bank and they all just give me the round around, most of them just hang up or leave me on waiting. They do not want to give me any proper documents to support my case.

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 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax - Data Breaching My personal information is at Web for selling - according XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Debt collection (I do not know) with Accurate Financial Partners (LA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Company is calling from unknown number and leaving threatening voice mails on myself and all of my family member 's telephone numbers. He leaves a call back number of XXXX. He threatens to come to my place of business or home and serve papers to have me arrested

Company response to consumer: Untimely response
Consumer complaint received 07-12-2016 about Mortgage (Other mortgage) with Ditech Financial LLC (MA).
Issue: Settlement process and costs

Complaint: We are selling the property and Ditech is not releasing a payoff to title company which has affected our closing dates. They are not assisting me by phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation