milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/22/2017 about Payday loan, title loan, or personal loan (Title loan) with Integrity Funding Ohio, LLC (TX).
Issue: Struggling to pay your loan

Complaint: I spoke with XXXX 's in XX/XX/XXXX about me losing my job and needed to have a cheaper company refinance my loan. But do to XXXX 's not keeping car titles locally keeps other companies from being able to buy out my loan at a cheaper rate. I did not realize XXXX charges almost 50 % more than other title companies. Although XXXX agreed for me only to finish paying {$1200.00}, the whole point was that i am unemployed and have no income. i have struggled and able to pay {$800.00} of that but i am unable to come up with the last {$400.00}. i am a single mother of XXXX kids and this being our only form of transportation, i should not have to lose my car over {$400.00} when in reality i have paid back what i originally borrowed to begin with plus interest. my original loan was {$1500.00} and ive paid {$1800.00}. so they have made money off me. I lose our car i have no transportation for me and my children

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: ssue Unable to get my credit report or credit score : Problem getting my report or credit score Describe what happened so we can understand the issue ... 
I have been verbally told and using tools through the XXXX credit bureaus websites informed that there is no block on my credit reports. However XXXX has closed my mortgage loan modification file due to their alledged attempts to obtain my credit report and said report being " locked. '' The credit bureaus refuse to provide anything in writing stating that my credit reports are not blocked. XXXX refuses to reopen my mortgage loan modification application package and my home will now be forced into foreclosure.

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 07/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (OK).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XX/XX/2012 I wrote a check to XXXX for a water heater, the water heater did not fit, so I returned it to XXXX. They told me I would have to wait two weeks for check to clear before they could refund me. They did n't have a water heater that would fit my closet and I did not have an additional XXXX dollars to just buy one elsewhere and wait for a refund, so I explained to the manager that I would leave the water heater there and stop payment on the check. She wrote me a receipt for item received and I went on my way. 
Then recently I check my credit report and seen a collection for XXXX to trident management so I contacted them and was informed that it was for a stop payment on a check to XXXX. I explained what happened and only relief I was offered was a settlement. I disputed through XXXX and was told it 's a valid debt. This is NOT a valid debt, they have the item I returned and then turned the stop payment check over for collections. Which I would think is some sort of fraud to collect payment on goods they have in possesston.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MD).
Issue: Problems when you are unable to pay

Complaint: I took out a car loan. I filed chaper XXXX in 2010 but I reaffirmed my Car note with Gmac/ally and paid the note They r still reporting on the credit report that the note Was discharged. It was not. I have a reaffirmation agreement with Them that I honored and completed. I have written them. I have Worked witg the credit bureaus. No avail. They r still listing that The car note was discharged. It was not. It was paid. My stars It has been So long ago that I dont even have the car anymore. I sold it with a lien release Why do they continue to lie?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TOWER LOAN OF MISSISSIPPI, INC. (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Our payment is due on XXXX, they begin calling as soon as XXXX days after that. Our payment has never hit XXXX days, yet the call constantly to my phone, my wifes, my sister. We have requested in writing no phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2015 about Debt collection (Medical) with American Collections Enterprise, Inc. (MD).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: # 1Original bill was with the XXXX, XXXX XXXX XXXX XXXX dated XXXX/XXXX/XXXX and in the amount of {$280.00}. The account was referred to collections between XXXX & XXXX. 
# 2Bill for collection was originally assigned to XXXX XXXX XXXX in the amount of {$280.00} # XXXX XXXX XXXX, XXXX I received a notice from XXXX the account was referred to American Collections Enterprises who re-aged the account to the date XXXX/XXXX/XXXX. 
# 4Due to the age of the debt XXXX original date XXXX/XXXX/XXXX XXXX it had " aged '' off of all XXXX Credit Bureau Reports. 
# 5American Collections enterprises placed the collection back in all XXXX of my Credit Bureau files with re-aged dates : XXXX Date of XXXX delinquency of XXXX placed for collection XXXX date opened XXXX above referenced medical bill is a dead account dated XXXX/XXXX/XXXX that had long since aged out of my Credit Bureau Files when American Collections purchased the bill and then re-aged the account to XXXX/XXXX/XXXX. They then placed it again in all XXXX of my Credit Bureau Reports. This action has fictitiously made it appear to be a newer account resulting in the account now staying in my Credit Bureau files longer than the legal time frame of 7 years. This has had a negative impact on my credit scores resulting in lower scores and denials of credit. 
I have tried on numerous occasions to reach out XXXX to have this removed from my Credit Bureau files only to be told by them I have to contact the collection agency. I was advised not to contact the collection agency due to the re-aging. 
Attachments : Copy of bill from XXXX, XXXX XXXX XXXX XXXXCopy of collection letter from XXXX XXXX XXXX of notice from XXXX XXXX American Collections EnterprisesCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collectionCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collectionCopy of Page XXXX of XXXX dated XXXX/XXXX/XXXX from XXXX showing collection

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Mortgage (Conventional home mortgage) with U.S. BANCORP (FL).
Issue: Struggling to pay mortgage

Complaint: My wife and I are elderly retired people that survive on our social security income only. I had  XXXX   XXXX   XXXX  in  XXXX  and could not work any longer as a  XXXX   XXXX  and had to retire in  XXXX . My wife was knocked down on her job about 3 years ago by a forklift and could n't go back to work as a  XXXX   XXXX . My wife is on Social Security  XXXX  as a result of this on the job accident.     Our combined Social Security checks are not enough to pay the current the mortgage amount which we paid on time every month on time until last year. We requested modification of the mortgage from our lender,  US Bank and our modification request was approved late last year. We were advised that we needed to make 3 trial payments of {$830.00} in order to complete the modification. We had to leave the country for a few months so we called US  Bank on  XXXX / XXXX / XXXX  and spoke with  one  of their employees,  XXXX   XXXX   XXXX , our assigned representative. We informed  XXXX   XXXX   that  we were leaving the country for a few months and asked if we could have the trial payments automatically deducted from our bank account. We were advised that this was possible and th e 1st tria l payment was deducted from our back account via  XXXX   XXXX   XXXX  pay on  XXXX / XXXX / XXXX . We were under the assumption that the remaining two trial payments would be deducted automatically.     We called  US  Bank in  XXXX   XXXX  to inquire why the money was not deducted from our bank account and was advised that it was not possible to automatically draft trial payments from a bank account and we needed to have made the remaining trial payments and since the remaining payments were not received, loan modification was cancelled. We appealed this decision on the grounds that we not properly advised by  XXXX   XXXX  and we have proof that the money was in our bank account waiting to be deducted. We were advised that there is nothing that could be done and to re-apply for modification.     We followed their instruction and re-applied for modification a second time but our request was recently denied stating that we are now not able to afford the mortgage since we owe more money now, we are 11 months behind on the mortgage. This is unfair and we disagree with this decision when are in this position because their employee gave us incorrect information. Attached is the appeal letter we sent to US Bank challenging the denial of the re-modification of the our mortgage.

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 11/30/2016 about Credit card () with PENTAGON FEDERAL CREDIT UNION (TX).
Issue: Billing disputes

Complaint: I requested contracts bearing my signature and the creditor nor bureaus have provided me any proof within XXXX days as required under the FCRA.

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 04/20/2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (AL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was a patient at XXXX Hospital on XXXX. I did not have a solid place to live when discharged and used a mailing address for my mail. When discharged on XXXX I went to live with a friend and had my mail forwarded from the PO Box to a physical address. It was a temporary forward because the location to my mail box and the location of the apartment were not close and I did not know the length of time I would reside there. In XXXX I recieved an alert that a collection appeared on my credit report. I called in XXXX to see what was going on and it was for the co payment for services I received in XXXX. I informed XXXX that I never recieved a dunning notice or anytime of notice from there company that there was a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has, through gross negligence, leaked the entirely of my credit reporting agency file they maintained ( as indicated by www.equifaxsecurity2017.com when entering my personal identifying information ). 

" According to Equifax, the breach lasted from mid-XX/XX/XXXX through XX/XX/XXXX.  The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. '' [ 1 ] They have failed to apply the most basic security measures to protect this data, based on congressional testimony provided by Equifax 's then-CEO [ 2 ]. 

[ 1 ] https : //www.consumer.ftc.gov/XXXX [ 2 ] XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Mortgage (Other mortgage) with QUICKEN LOANS, INC. (TX).
Issue: Application, originator, mortgage broker

Complaint: Representatives tell you to sign and they have different numbers, that we are only signing estimates, then we put down the good faith deposit, which since we wanted better numbers, he said he would get them to us before they processed the withdrawal, we received the charge immediately, but did n't have the estimates to say if we wanted to even continue with the loan. stated we would get the full {$500.00} deposit back, since we were not doing the appraisal, and I advised them on credit fee as well. They agreed to do the full {$500.00} back, but as of now, they said what ever the rep said over the phone did n't matter because they have a written confirmation that says they would take out fees. Also the loan has been withdrawn and they state they will not release or start to process those funds back to us for over 10 days! we were told this would be immediate, but as stated again, they refer to the agreement which does n't have a date, it literally says when your loan is withdrawn you will be refunded, not 10+ days later.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Credit reporting () with EQUIFAX, INC. (OK).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have an account through my former school, XXXX University, for a XXXX loan on my credit report. It was originally opened in XXXX XXXX, and the date of first delinquency was XX/XX/XXXX ( XXXX loans have a nine month grace period, nine months after XXXX XXXX, which was when the semester ended, is XXXX XXXX ). The loan was originally being serviced by XXXX, but the school recalled all accounts from XXXX and then began using XXXX for servicing. The original XXXX account has long been removed from my XXXX and XXXX reports, but is still present and reporting incorrect information on my Equifax report. In addition to this, the XXXX account is appearing on my Equifax report as well. So, I 'm being dinged twice by the same loan, and XXXX trade line with completely incorrect information. After being recalled and having XXXX changed to the servicer, the loan was included in my student loan consolidation in XX/XX/XXXX and is showing paid with a XXXX balance, and this appears on my Equifax report. In addition to that, under the XXXX account the same loan is showing up with a {$4000.00} balance, {$940.00} past due, a XX/XX/XXXX date of first delinquency, and is showing as a collection account. This is completely incorrect. XXXX no longer has collection authority over this account, and the account should be removed from my Equifax report. My Equifax score is around XXXX points lower than my other XXXX due to this account. I disputed the account with Equifax and it came back as verified, and I have found Equifax generally much less helpful than both XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I am a new home owner. My mortgage is {$830.00}, I Paid my mortgage through XX/XX/2017 in by XX/XX/2017. I signed into my mortgage account online and made a payment for XX/XX/2017 mortgage on XX/XX/2017, it cleared XX/XX/2017 through my bank. I thought that I was good for XX/XX/2017. After the XX/XX/XXXX mortagege cleared, they configured XX/XX/2017 payment which is {$910.00} and pulled it on XX/XX/XXXX instead of XX/XX/XXXX. They justified it by saying that I gave them autopay permission. So They will take that XX/XX/2017 payment 30 days early. They cleaned out my checking account and stated that if the check doesnt clear they will be resubmitting for the {$910.00}. Are you kidding me? I am not a time traveler, I havent lived in XX/XX/2017 yet so the bill is not due. I asked them why dont they take XX/XX/XXXX through XX/XX/XXXX in XX/XX/XXXX too? I dont owe them any money but they insist that they will present XX/XX/2017 mortgage again for payment if the funds dont clear. These people are vampires! They are monsters and they dont have any respect for the american consumer. I am a new home owner and I have been thinking ahead to stay current. I have never been late. 
I am a normal person and they took {$910.00} from my account on XX/XX/XXXX that was not due for 4 weeks a week after I paid them {$830.00} that they were due. They insist that they are correct for taking that XX/XX/XXXX payment 4 weeks early because I gave them autopay rights. {$1700.00} in one week. My budget is destroyed. How am I supposed to be responsible for my other bills when NationSTAR just took all of money plus the over draft?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Closing/Cancelling account

Complaint: Citibank sent me a notice of closure for an account I had with them since 1995 ( 20 yrs ). It stated to cut up any cards I had in my possession and notify any card users of the closure. They did not send prior notification stating the account would be closed and give me a chance to take action to keep it open. The account is one of my oldest trade lines and this closure will cause harm to my credit score. It 's unfair and I should have been given at least 30 days prior notice. They stated in order to re-open the account they need to pull a new credit report. This is underhanded and unnecessary. My credit was good enough for a XXXX limit 2 weeks ago and nothing has changed so this action is just a ploy to change the agreement from prior years. Pulling a new report will cause harm as well to my credit score. They admitted if they closed it in error it could be reopened without a " rescore '' or pulling of credit. This practice is unfair, deceptive and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (NY).
Issue: Other transaction issues

Complaint: I reached out to Venmo because there was an unauthorized transaction made on my account ( of {$190.00} ) to XXXX-ny. They were uncooperative even after I confirmed that I did not know the user who received the funds. Venmo stated that they could n't do anything about it, despite me not knowing the user on the other end which absolutely shocked me as I have never received such a dismissive, unprofessional response in my life. I have used Venmo for years and have never had an issue like this and it is very unfortunate that this occurred to begin with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-02-2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Customer service / Customer relations

Complaint: Citi Fraud Department will NOT unblock my account due to hostile Citi employee because I wo n't answer my home land line phone and Cit Fraud Department has zero solution after elevating problem to XXXX XXXX XXXX 2 months ago. 

I have nowq been inconvenience three times when requesting emergency servcies as my accoun t is blocked and Ciit demadns I return home to my house to answer a phone. 

Citi Fraud Department is INCAPABLE of verifying my account to unblocmmy account without me being at home since I DO NOT own a mobile phone!

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 04/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I have had a consolidated student loan since finishing   XXXX   school in  2006, th e consolidation happened shortly thereafter.     Since finishing school, I have not earned enough money to make the payments on my loan and was steered by the loan servicer , Navient, into  deferment and forbearance options that caused my debt to skyrocket when I was eligible for other options such as income based deferment.     Had I known all of the options available to me in this process, I could have prevented nearly {$30000.00} in compounding interest to be added to my student loans over this period.     I do not know how I am going to manage paying this off ... the most recent estimate of my monthly payment is {$1000.00} in order to discharge this debt in a timely fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: About XXXX XXXX, 2017. I paid {$290.00} for a 5 year contract to someone online to fix my computer and keep it working good. About 2 weeks later a man called and said the software he installed was n't compatible with my computer and that he would uninstall it and refund my money. Instead of refunding my money he got access to my Online Banking and was able to trick me which allowed him to take almost {$3000.00} from me. Bank Of America says it was not fraud that caused me to lose the {$3000.00} and I have decided that I will not fight that issue any longer. The issue I have with the credit card company associated with Bank Of America with card ending with XXXX is that the {$290.00} was a fraudulent charge. The company at first refunded the money but now have charged the amount back on the credit card. I received a letter on XXXX XXXX, 2017 requesting more in formation about the matter and stating that I had until XXXX XXXX, 2017 to submit additional information. I submitted that information but there was no way to submit it by the deadline they indicated. The charge was reinstated on XX/XX/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