milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have been having a problem with XXXX since XXXX 2016. They REFUSE to acknowledge that I have properly sent them paperwork for an income based repayment plan. I have fax machine confirmations that the paperwork has been properly sent. Earlier this year I contacted them about this problem because they have falsely reported to credit reporting agencies that my account is delinquent. They put the loan into forbearance and gave me until XXXX to fax the paperwork again. I did this in XXXX. Now I have credit reporting agencies calling me again telling me that XXXX is once again reporting the account as delinquent despite having the paperwork they demanded. Once again, they say they never received it. The fax confirmation says otherwise. They are DESTROYING my credit report maliciously and without provocation. I have done everything I am supposed to do. They are doing this to millions of people, it 's why you 're already suing 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 01/15/2017 about Debt collection (Medical) with CCS Financial Services, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Credit Collection Services continues to send me notices and letters demanding payment of an alleged medical bill in the amount of {$60.00} with my daughter named as the patient. I have sent 2 certified letters, one certified letter was signed by Credit Collection Services on XX/XX/XXXX and the other letter was signed by Credit Collection Services on XX/XX/XXXX. In both letters I told them I was disputing the alleged debt and I also asked for validation of this alleged debt. I have not received any valid proof that this is even my debt. On XX/XX/XXXX I received another collection notice by U.S. mail from Credit Collection Service still trying to collect on this alleged debt. The fact that they just received my certified validation letter on XX/XX/XXXX ( I have the signature card to prove it ), and they sent me another collection notice dated 7 days afterwards makes me believe that they are intentionally sending me harassing letters and refuse to send me valid proof. They are violating my rights as a consumer. They are also causing me XXXX and harm due to this situation. As I stated in my certified letter, I want all valid proof I requested of alleged debt addressed to me specifically and all communication in writing only and sent to my home address.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (I do not know) with CBV Collection Services Ltd. ().
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The Company is CBV Collection Services. 

XX/XX/XXXX ( while in emergency hospital care with my daughter ) : Times : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XX/XX/XXXX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 

All phone calls. I called back XX/XX/XXXX at XXXX and told them to take my number off the system and to stop calling and to contact me by mail only, the woman refused to and stated that it requires manager approval, I stated that was unacceptable and quoted harassment which was a violation of the consumer protection laws of XXXX. 

If they call me again, I will file criminal harassment charges, I had to block 7 different numbers already and they just keep auto calling with their system. If I answer it stays in call and empty for 4 seconds then hangs up again. 

Again 1 more bloody phone call that wakes up my SICK daughter with a XXXX XXXX, and I will pursue this to the fullest extent of the law and sue them for every bloody penny they are worth!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company reported a non valid debt to the credit bureau. Debt validation was sent via certified mail ( tracking number : XXXX ), and they have yet to respond. No idea who this 'debt ' belongs to or why it 's on my credit report. Account ending in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Mortgage (Conventional home mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (LA).
Issue: Struggling to pay mortgage

Complaint: On XXXX XXXX, XXXX a major flood occurred in Louisiana involving my home. I got behind on my Mortgage, but was able to get caught up by XXXX of XXXX through a repayment plan. After hurricane Harvey in Texas, business slowed and I got behind on payments again. I asked again for a repayment plan, but I could not afford such large payments with the additional late fees imposed. I sent a full payment for XXXX XXXX on XXXX XXXX through XXXX XXXX, but the payment was declined by the Mortgage company. I received the notice on XXXX XXXX of the payment being declined, so I contacted the mortgage company. The representative on the phone kept insisting that I was 4 months behind and refused to work out anything except a deed-in-lieu or a cash sale. A letter sent in XXXX of XXXX states they would accept partial payments by placing the monies in a pending account until there was an entire payment accumulated, yet they would not accept a full payment for XXXX on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: On XXXX/XXXX/XXXX, I had received a phone call from a Navient Representative. .... He stated that my loan was late, since my automatic payment did not go through. He stated my account was not sent to the credit bureau at the time of the call. He stated that, if I paid a one month payment, and paid {$1.00} towards reinstating my IBR, along with just XXXX automatic payment deduction for the following month, then my account will be brought current and I will be in good standing. .... This was verified based on a phone conversation I had with Navient 's supervisor XXXX XXXX # XXXX in XXXX XXXX. The supervisor also stated my account still shows I was only 58 days late on XXXX/XXXX/XXXX. He also stated he could not provide the rep 's employee # because he was let go. I had then spoken with Navient 's Manager, XXXX XXXX on XXXX/XXXX/XXXX, and he advised me to make a request that my ombudsman dispute be reopened. .... All I am asking is for the voice recording on XXXX/XXXX/XXXX, be made transparent in a written transcript to verify what I am saying is true. .... Upon confirming my statement as being true, then I am motioning Navient to remove the 60 day late credit reporting on all three of my private loan accounts on XXXX. I am requesting Navient take ownership and liability for falsely or by misinforming me of inaccurate information as stated above. As I 've stated repeatedly, I work XXXX and my brother who is my co-signer, XXXX. The public stakes their lives on the quality and integrity of our work. I am requesting the same integrity from Navient. The harmful outcome of the false statements by the Navient rep has destroyed our relationship. Please make transparent a copy of the voice recording or a written transcript of the voice conversation to the ombudsman office and myself. Please accept responsibility and remove the negative reporting. I am asking Navient to do what is right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: APR or interest rate

Complaint: I opened a credit card with USAA with a promotional offer for 0 % introductory APR for the first 12 months. I noticed after a few months of having the card that I was being charged interest on the account. I called USAA on XXXX/XXXX/16 and spoke with a representative that confirmed that I should have had the promotional APR but it looks like it never took hold. The representative stated that she would reach out to the back office and then have them contact me back to get the matter resolved. I never received a call back so I called again on XXXX/XXXX/16 and spoke with another representative. The new representative informed me that I did not have a 0 % introductory APR and stated that would escalate the call for further review. I am receiving conflicting information regarding what my promotional offer was. I never received any documentation regarding the promotional offer and this material was also unavailable to me when I looked online. I deem this to be an unfair deceptive act and practice. I recall signing up for the 0 % introductory APR for 12 months and this was confirmed by a USAA representative and now I am being told something different. My credit reporting has been negatively affected for providing incorrect balance information due to the interest that has accumulated on the card. In addition, this has caused a financial burden by having to pay on interest that was not supposed to be accrued during the first 12 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-03-2018 about Mortgage (Conventional home mortgage) with NATIONAL ASSET MORTGAGE, LLC (MO).
Issue: Trouble during payment process

Complaint: On XXXX XXXX, XXXX, I received a letter from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA : XXXX. XXXX 'S letter informed me that they had assigned my mortgage to National Asset Mortgage effective XXXX XXXX, XXXX. Also that the law required them to give me such notice at least 15 days before the effective closing date. Similarly the law requires the new servicer to give me/us the same notice. XXXX said they would cease servicing my mortgage effective XXXX XXXX, XXXX and that National Asset would begin servicing my mortgage effective XXXX XXXX, XXXX. As of this writing, I have n't received such notice from National Asset Mortgage.

I first phoned National Asset Mortgage at XXXX & XXXX. on Monday XXXX XXXX, XXXX and I spoke to XXXX who gave me XXXX of Customer Service at XXXX. I called seeking verification that they were now servicing my mortgage and if so to secure a new loan number and more critically that they are in fact the new servicer of my mortgage.. They could not find me in their system and asked that I call back Friday, XXXX XXXX, XXXX. I since called back at XXXX. XXXX XXXX, XXXX, XXXX. & XXXX XXXX XXXX, XXXX and they yet ca n't find me in their system. XXXX said that my payment due XXXX XXXX, XXXX is not late until XXXX XXXX. Then on yesterday, XXXX XXXX, XXXX XXXX of National Asset Mortgage phoned me asking me about my delinquent payments. Again I told him that it is critical that I have a loan number and even more critical that I have legally required notice from National Asset Mortgage stating that they are now the servicer of my mortgage. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX2017 I received a letter from southwest credit stating a debt of {$170.00}, I then had 30 days to dispute the debt in which I did. I sent a certified letter via USPS on XX/XX/XXXX along with a debt validation letter. On XX/XX/XXXX my credit report then reported a debt of {$170.00} and I received a letter from southwest with a copy of a cable bill on XX/XX/XXXX. This violates FCRA guidelines, for record this transmittal has been screen shot and will be submitted to my attorney as well as fox5 for deceptive credit practices.
I have no business or relationship dealings with Southwest and have no signed agreement or contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (ID).
Issue: Account opening, closing, or management

Complaint: I opened a Citigold checking account in XXXX XXXX using promo code XXXX which offered a bonus of XXXX AAdvantage miles which would be posted to my AAdvantage account within 90 days of meeting the following requirements : " Within 60 days of account opening complete debit card purchases of {$1000.00} using the Citibank debit card which must be posted to the new checking account. And 1 qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. '' The offer code was accepted but I thought it was odd that I was never asked for my AAdvantage account number so I immediately opened a chat window on Citi 's. The bank 's representative informed me not only that I had signed up for the correct promotion, but also that it was " targeted '' to me. 
On XXXX/XXXX/XXXX after meeting the bonus requirements, I opened a chat window again in which a bank representative confirmed that I indeed had met the requirements and the XXXX miles would be posted to my AAdvantage account in 90 days. A copy of both conversations are attached. 
After 90 days came and went, I called Citi to find out the status of the bonus and the rep told me she would open an " investigation '' and the results would be sent to me in a few days time. Upon completion of the investigation, I received the attached letter informing me that there was not an AAdvantage Miles promotion offered in conjunction with the opening of my account. In a follow up phone call, I was transferred to a supervisor who told me that I was never " targeted '' for the offer, despite what I had been told by two of the bank 's representatives. 
If for some reason I was not eligible for the promotion, I should have been informed upon account opening. Not wanting to close the account before I received the miles, I have since been charged {$120.00} in service fees. I am requesting that Citibank credit my AAdvantage account with the promised XXXX miles as well as refunding the service fees caused by their delay in processing the bonus. Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with CIT BANK, NATIONAL ASSOCIATION (MA).
Issue: Loan modification,collection,foreclosure

Complaint: I am a home owner in the state of Massachusetts. I have fallen under a financial hardship ; I been trying to work with my bank and provided them with everything they have asked for but One West Bank is refusing to assist me and this situation is putting my family and I under an amazing stress same as they did in the past. In XXXX I applied and was found eligible for a HAMP modification trial plan. I was instructed to make XXXX trial payment on time to then be place on a permanent modification ; I made over XXXX payments towrd such offered mod but I was never permanently modified, as continued making the payment then the bank stopped taking my payments and denied my modification for an invalid reason of missing income documents after I had been informed the bank had received all documentation requested and the bank violated the agreement as after XXXX trial payments I was to be permanently modified. On or about XXXX XXXX I re-applied for a HAMP, the bank acknowledged receiving all documentation requested but are denying me for HAMP stating that I failed in XXXX that is inaccurate as mentioned above I made over XXXX trial payment but was never modified. I am requesting your office to look into One West Bank behavior and review in my case

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Contacted representatives of the company via telephone and emails several times in XXXX and XX/XX/XXXX because of the financial hardship I am experiencing from Hurricane XXXX. However, they continue to plague me with calls, jeopardizing my employment for an overdue payment and would not provide with an answer to my request for a payment deferment on my minimum payment due toXX/XX/XXXXon my credit card accounts.

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 02-09-2017 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have tried numerous times to get my free credit reports from annualcreditreport.com. I have also tried setting up a Social Security Account Online. Every time Equifax tries to verify my information it fails, yet the other XXXX agencies say it is right. 
I 've called Equifax numerous times ( Maybe XXXX ) and spoken with them over the past two years trying to fix the problem or get an answer. They say they information I am entering is correct yet every time I try to get an online report the other XXXX credit bureaus give it to me no problem. Equifax NEVER! 
Furthermore Social Security uses Equifax to verify their system to create online accounts. I had to go into the office and have them override the Equifax failed authorization. 
Equifax checked my report reset everything I can login but yet every time I try to get any type of verification through Equifax it fails. They said all my information is correct and no holds are on the report of any kind? 
I am so sick of this problem. I have been trying to fix it for two years. I even have an agency helping my repair my credit and they have no idea what is going on neither does Equifax but it needs to be fixed ASAP. Places ca n't see the equifax report because the authorizations fails. I need this fixed as I am applying for a mortgage. 
XXXX XXXX XXXX XXXX - XXXXXXXXXXXX or XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2016 about Consumer Loan (Vehicle loan) with DriveTime (TX).
Issue: Managing the loan or lease

Complaint: I have filed several complaints with the CFPB including disputing the last response to my last complaint.I have had an ongoing dispute with Drivetime over the condition of the vehicle that was sold to me in XXXX 2015. We started having trouble 2 weeks after the purchase it has been in the shop over 15 times and we discovered the inside of the seats are completely rusted. We were advised a 3rd party inspector said that it is surface rust. we have taken it to 3 different establishments all at the direction of Drivetime. 2 of them advised the rust was excessive and it appears to have water inside the vehicle at some point due to the rust and mold. well finally we were advised to to take it to XXXX who could not do anything because they are a BODY REPAIR shop. Well then the 3rd party person comes out make the claim that is just surface and that 's it. They will not accept photos from me, but expect me to go with their final decision after they kept running me around until they got the answer they wanted.

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 10/20/2016 about Payday loan () with ACE CASH EXPRESS, INC. (VA).
Issue: Can't contact lender

Complaint: i have been contacted via email for over a year by a company who states i have an outstanding payday loan. this loan was included in a bankruptcy from 2013. however, they continue to send emails with numerous misspellings, different balance amounts and today 's email threatening an arrest warrant and threatening to contact my job.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: My name is XXXX XXXX My DOB : XX/XX/XXXX My Social Security # : XXXX In XX/XX/XXXX I lasted my cell phone in XXXX when I moved XXXX. It appears that someone found the cell phone and used it and the charges went up. I dont know that was happening to me until, In XX/XX/XXXX I received a document from XXXX XXXX XXXX stating I owned {$1800.00} to XXXX XXXX XXXX. I disregard the letter because at the time I was recovering from XXXX XXXX. In XX/XX/XXXX I received document from the XXXX County stating I owed XXXX to XXXX XXXX. I disregarding this issued because I was trying to recovering from XXXX XXXX. In XX/XX/XXXX Chase bank see me a letter regarding that they had put a hold on my checking account ( Account # : XXXX ) at the time I have a balance of XXXX ) Again I could do anything because I was recovering from XXXX. In XX/XX/XXXX I contracted XXXX XXXX XXXX who represented XXXX XXXX to find out how much I owed, XXXX informed that I was a balance of XXXX, XXXX.and make arrangement to make payment until I finishing paying the {$3000.00}. I paid XXXX XXXX XXXX over {$2100.00}. I stop receiving statement from XXXX XXXX XXXX. However I would still send payment with a noted on it stating this if for my account. In XX/XX/XXXX I called XXXX and let them know I am not receiving statement from them, why? I was told by a representative at XXXX XXXX XXXX that payment is no longer required, because there is a claim going on. I ask them if they still have a lean on my saving account from Chase, I was told by XXXX XXXX XXXX that there is no lean/hold on my checking account. In XX/XX/XXXX, I went to a chase branch to inquired my balance in my checking account ( Account # : XXXX ) and it show I have a balance of -XXXX. I keep asking why is my account is -XXXX when they put a hold on the account it was a balance of XXXX. The representatives at chase try to investigate but can not give me an answer. According to chase my checking account does not have a lean/hold on it, but chase will not release my funds. I need help in this matter. Chase can not give me a reason why I show a negative balance and why they can not release my funds. Please help. My if you need to reach me my telephone # XXXX, my email is XXXXXXXXXXXX. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, cra violation with other company not reporting 100 correct must remove items that are not 100 accurate actually all of them are inaccurate information

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