milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-11-2015 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Late fee

Complaint: I used home depot credit card charged {$210.00} on XXXX/XXXX/2015. 
I paid the bill of XXXX on XXXX/XXXX/2015 as the credit card company said that is including the interest. 
But the company keep to sending me the bill of late charge {$39.00} every month since then until now XXXX saying that because I paid XXXX is XXXX day late I have no idea of what after I paid whole balance bill with the late fee charge in full of their bill And they still keep to charge me the fee I have already paid in full And calling XXXX times day from XXXX to evening today XXXX, I had to pay {$78.00} for the company to finalize this pay by the customer service in the local home depot arrangement. 
This is not fair to me that I write this letter to you for your justifying.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02-10-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Advised all three credit bureaus on numerous time that I am a victim of identity theft and need accounts removed from my credit files and its been over a year and they are still reporting invalidly on the following accounts : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX these accounts need to be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XXXX/XXXX/2014 in XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX denied loan because The Credit Bureau -TransUnion changed my personal information my XXXX name and my mother XXXX name. 
Also in the report see that without my permission on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. They requested my information in The Credit Bureau without my knowledge. I tried to ask that they tell the truth to sent to credit bureau, but they denied to help me. 
Need to check XXXX XXXX, I think that they started the problem in XXXX/XXXX/2014 with XXXX ( XXXX XXXX XXXX, XXXX XXXX, TX XXXX, ( XXXX ) XXXX. I not want see more XXXX in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NY).
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: I agreed with Homedepot to replace my roof in XXXX XXXX. I applied for their credit card because the interest free offer for 24 months. I charge {$11000.00} for the complete job on the credit card.

The job was not done and the contractor stop responding to my requests to complete the repair. I called all the contacts I have for Homedepot and no one responded so I tried to dispute {$2700.00} of the charge on the credit card but the credit card would not want to initiate the dispute. I came here and file a complaint ( XXXX ). The credit card responded by initiate the dispute. 

The letter stated that it will take 120 days, which has passed for the investigation. As of today, XXXX XXXX, I did not receive a corresponding that the dispute is resolved. I have called them continuously for an answer and they flaunted with me by saying they need three weeks more or three days more to give me a resolution of the dispute. 

Today they said that they sent a letter to me in XXXX ( which I never received otherwise I would not have continuously call ). The person answered the phone at XXXX said XXXX XXXX is not available but someone else said that the dispute was closed in XXXX in favor of Homedepot. 

However, I received a letter dated XXXX XXXX, XXXX stating the dispute is only for {$2000.00}.

Homedepot did not complete the work and a contractor will charge me {$2000.00} to finish the work. Initially {$2700.00} but Homedepot does not want to pay for a damaged Sky window their contractor cemented closed on the roof that got damaged when I try to open it on a nice day.

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 07/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX XXXX, XXXX bank, opened a claim on my credit report for {$880.00}. 4 years later they closed it and Portfolio recovery bought the account and opened a new claim on my credit report on XXXX XXXX, XXXX for the very same amount {$880.00}. It has been more than 7 years since the initial debt was defaulted. I called portfolio recovery to discuss this situation and i was place on an extensive hold multiple time after i have stated the facts which are : - Same amount was claimed twice on my credit report by XXXX Bank first in XXXX which closed it out in XXXX then portfolio recovery in XXXX. 
- Original debt was defaulted back in XXXX why opening a new claimed in XXXX as if it is a new debt?

Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My loan servicer is Navient. Not only are the not helpful but they refuse to lower my interest rates which have risen to nearly 10 %! They are a scam. No where in my contract did I ever sign up for interest rates that high - and that is not all. The amount of money that I originally borrowed ( I have private loans ) is significantly lower than the current amount I owe - mostly from interest accruing while I was in school. This is not fair and I know many others whom have written complaints about Navient and their unfair practices. They also refuse to help me lower monthly payments. My payments are running nearly $ XXXX/month - which is impossible to afford with my current salary. Something needs to be done for students in New York with private student loan issues because we do not have the repayment options that federal loans have. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2015 about Debt collection (I do not know) with MRS BPO, LLC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been getting REPEATED calls at this number by MRS Associates ( XXXX ). They are robo calls for a woman named XXXX XXXX. I apparently inherited her phone number from XXXX XXXX. I have REPEATEDLY responded that she does not own this number and I do n't know her, but i still continue to receive calls. So I called the # and asked to speak with a representative. I was put on hold for a half hour, then was hung up on. Nothing I do keeps this company from contacting me every single day. Again, this is not XXXX XXXX phone number, nor do i know her.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/20/2015 about Debt collection (I do not know) with Southwest Credit Systems, L.P. (DE).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have had this number for almost two years now and have been called by XXXX to XXXX collections agencies to include this Southwest which I called on XXXX XXXX, 2015 to tell them I am not the party they are attempting to collect from and have no idea whom they are. They ask for XXXX or XXXX XXXX each time. I am not sure if I spelled XXXX correctly. I again called this collection company on XXXX XXXX, 2015 for a call I received on Sunday XXXX XXXX, 2015 to let them know I was reporting them and a XXXX claimed I have never been called by them. Seems they all say that, but I maintain a scrap paper note of these calls and Southwest is one that has called with the same telephone number. My home phone is unpublished and unlisted for my privacy. 

Note I have been receiving collection calls for this party from the day I switched from XXXX system to XXXX and one reason I changed was because I received calls on XXXX system for a different party collection. I am filled to my ears with the annoyance as they call from morning to night, seven days a week. I am about ready to shut down my phone service.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 04/22/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I was called at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: CareCredit would call my cellphone, sometimes from XXXX to almost XXXX everynight trying to collect a debt. They would call every hour to every half a hour.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (Medical debt) with Merchants Credit Corporation (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: i was responsible to pay my co-pay for a medical visit i had, i waited to receive the mail, i have had issues receiving my mail at times i expressed that, one day i got a bill saying that owed this large balance an i I 'm confused because i know i do n't owe it i have benefits that job covers majority, it says its because i did not pay the co pay but i never received that mail

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian 's policy states that " Late payments remain seven years from the original delinquency date. A single late payment is deleted at seven years. If there was a series of late payments ( not paid at 30 days, or 60 days, or 90 days ) and then brought current, the payments would be deleted seven years from the first XXXX missed in the series. If the account was never brought current and charged off and placed for collection, the entire account will be deleted based on the date the account became late. '' I had a student loan which became late XXXX XXXX, XXXX. It has since been charged off. Given experian 's policies this account should have been removed from my credit report in XXXX. However, Experian refuses as of this time, XXXX XXXX, to follow the law and its own policies and will not remove this account.

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 Debt collection (Credit card) with National Enterprise Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from a man named XXXX and XXXX that works for National Enterprise System saying i owe {$500.00} from 2011 on a credit card. I never opened a card in 2011 nore do i owe anyone {$500.00}. He was very rude and is calling my job. I saw on the internet this could be a scam. 
I do n't appreciate being harassed at my job. Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I respectfully would be honored to bring forth the mentioning complaint number and case number # XXXX which has been once filed with the Consumer Financial Protection Bureau on XXXX XXXX, 2016 at XXXX XXXX. Truly whereas today I am having the very same problem with Capital One Bank, and their banking practices that remains the same as before, and I had once more would like this said bureau to respond according to the complaint at hand because one year later the same issue exist the calling, the lettering, but yet their management team did not respond to my hopes and wishes to correct the problem within the following months from my original submission of informative concerns towards these unfortunate issues at hand then, and now!

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with GULF COAST COLLECTION BUREAU, INC. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Gulf Coast is inaccurately and unjustly reporting a debt of XXXX dollars on my credit files. I have never received validation of this debt, or anything proving ownership or I am responsible for payment of this debt. Furthermore, based on the dates reporting on my credit files, if, this debt is mine it would have been re-aged. Re-aging is a violation of my consumer rights and FCRA. This is a common practice by collection agencies to maximize collection time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was an employee at XXXX when I leased my vehicle. 1st payment was suppose to be made as part of the VPP program at the time for employees. I was not awarded that payment. After fulfilling the 39 month lease agreement (plus 1 extended month) I lease returned the vehicle on XX/XX/XXXX ( documents attached). Come to find out that the last 2 payments made of $XXXX on XX/XX/XXXX and another for $XXXX  a week after that (receipt of payments with confirmation # s uploaded)  XXXX inform me weeks later and after they already confirmed payments, which went as far as posted on my credit bureau bringing my loan current, inform me payments returned and when asked why I was not given a reason. Completely disregarding the NACHA rules and guidelines in a non compliant manor (rules 3.8,2.12.5.1,2.12.5.2,3.12.6) and then go as far as abusing the right to report credit by wiping out the 40 payment history on my credit report and charging off the residual amount of the lease of $XXXX! This is after 12 changes they made within  months. Even removed the loan on one of the bureaus. Other payments were made but I am leaving that out for this complaint because my resolve is to have the history of this lease be accurate and lease returned as it was to show on my credit. Fraudulent reports on my credit and disregard for rules and guidelines have created loss of wages and tremendous hardship the last 6 months. This is abuse of power and disregard for the law and consumers!

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I was illegally denied a loan mod with Bank of America, loan # XXXX. They said I maede. They used data from original loan application {$7200.00} per month. They had acces to tax returns stipulated in loan app. I told them I made {$2800.00}. per month. They sent me a letter stating the XXXX per month as a reason for denial. Please forward this info to current XXXX XXXX. In addition they violated a bankruptcy stay to initiate a foreclosure. I filed another Chapter XXXX BK. The mortgage was dischared under case # XXXX in the XXXX XXXX of NY. Bank of America sent me a notice that they had written off this debt with the IRS. Then they sold loan to XXXX XXXX XXXX and are now trying to evict me. I just noticed the Settlement last Friday with XXXX Bank. I am requesting the same result since this is a mirror image of a business practice. They also have faile to answer a QWR. I am requesting enforcement action to compensate me with a monetary settlement, an immediate cease and desist from any further collection activity, and relief from any judgement. Please contact the above parties ASAP to settle this once and for all. Please inform XXXX that they must provide chain of Title to you, so that you can verify the fraud.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Student loan (Federal student loan servicing) with Ceannate (CO).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I was contacted by XXXX XXXX XXXX XXXX XXXX, NC XXXX about a defaulted student loan. I was well aware of the loan status. I emailed the documentation, and made 5 required payments for rehabilitation, of {$65.00} each beginning XX/XX/XXXX. I was contacted XX/XX/XXXX with a wage garnishment notice from my employer. I was told that because we did not sign the tax document on the correct line, and signed at the bottom of the document, that our documentation was not correct. They also stated that there was not proof of the other student loan payment that I was making, although I sent the statement from XXXX, showing the payment amount of {$130.00}. When I contacted the company on XX/XX/XXXX, I was told that I would have the garnishment amount of approximately {$310.00} along with another 5 months of rehab payment, now at {$350.00} instad of the previous amount of {$65.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (KY).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage billing statement dated XXXX/XXXX/2016 arrived on XXXX/XXXX/2016 with a payment due date of XXXX/XXXX/2016.

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Following the Equifax data breach reported in XX/XX/2017, I attempted to check on the Equifax website to see if I was impacted or not. Because I live in the XXXXXXXX for the most part, the website did not work so I called Equifax 's call center. 
The call center agents were unable to help me and told me to contact Equifax XXXX, though I am a US Citizen with credit cards and bank accounts in the USA. 
I was told that there was no other way for me to check on anything and that they were very sorry that they could not help. 

I have now paid XXXX to place a freeze on my credit as I can not check or be sure what the situation is, and Equifax wo n't tell me much more.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Premium Credit Bureau (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am filing a complaint on a hard inquiry that was made on my credit report without my authorization.The inquiry was done twice in XXXX XXXX by a company called Premium Credit Bureau their address is XXXX XXXX XXXX XXXX XXXX, FL XXXX, Phone # XXXX. XXXX recently posted the hard inquiry to my credit report which decreased my credit score by XXXX points. I reported the issue to XXXX customer service informing them I was a victim of the inquiry issue they had, I received no help and they refused to take off the negative inquires on my credit report. I was told to contact the company and have them send a letter requesting the removal of the hard inquiry. I have tried to reach someone from the company for over a week now but to no avail. I am requesting for XXXX to remove the two hard inquires done by Premium Credit Bureau on my credit report that I did n't authorize. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have filed several complaints with Equifax, XXXX & XXXX in regards to information from a creditor in regards to some medical bills that I am not aware of from XXXX XXXX XXXX in XXXX, MI. I have filed several complaints with the creditor and credit bureaus with no success in having them removed. I have been doing the run around game with the credit bureaus since XXXX of XXXX and they refuse to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: An acct was opened in my name with XXXX XXXX. Once I discovered this, I informed XXXX XXXX that it was not my debt. The account was charged off at some point and removed from my credit file in XXXX XXXX. I received a notice from Portfolio Recovery Services on XXXX XXXX, XXXX questioning the debt. i informed them in writing to stop calling me constantly about this debt. I also asked them to verify this debt in 30 days. They added the debt to my XXXX credit files in XX/XX/XXXX without providing proof that the debt is mine. The credit bureaus continue to report this debt and state that is valid. Portfolio Recovery Associates only sent me a collection letter and a XXXX XXXX statement from XXXX as verification on XXXX XXXX, XXXX. Which is not validation of this debt. I responded to their letter on XXXX/XXXX/XXXX asking them to remove this debt from their records and my credit files because they did not validate this debt with me. They just added it on my credit file as they saw fit.

Company response to consumer: Closed with explanation