milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2015 about Consumer Loan (Title loan) with TMX Finance LLC (VA).
Issue: Can't contact lender

Complaint: Went TitleMax in XXXX, VA to inquire about a loan, to simpky get an assessment of how much they might lianThe man I talked to was XXXX XXXX, and told him that I simply wanted an assessment. They said theyTook pictures of the vehicle, extensively, including the VIN number, inside of door, and the tags. I did n't know why that was necessary to just get an assessment. I told him I was n't getting a loan, I just wanted to know how much they would loan me and how much such a loan costs. 
Car is worth about {$3500.00}, but they said they would loan him up to {$2000.00}. 
I only wanted to borrow {$1500.00}, but they needed all my information before they could give me a ball-park of what the loan would cost. 
They made me fill out a piece of paper that I understand I would only borrow what I needed. They took all my information, just for an assessment. After all that, the loan was extremely expense, and they terms seemed ridiculous, so I said I did n't want it. I asked for my paperwork and the pages with my signature, and the guy said he shredded them, but for some reason I did n't believe him. I want to be sure they actually deleted my information, but there was n't anything I could find about how to ensure that. I do n't like that they take your information before giving an assessment or information on what they cost.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Village Capital & Investment LLC (GA).
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: My original complaint has not been corrected and you ( cfpb ) have closed the complaint Village Capital & Investment LLC ran a credit inquire on me and my wife without us applying for credit, actually we cancelled the contract once we realized who was involved and we refused to deal with Village Capital & Investment LLC.
I received a letter from XXXX XXXX XXXX - Compliance Representative for Village Capital & Investment LLC, on XXXX XXXX, 2017 claiming that all inquiries would be removed. Today I received a letter from XXXX XXXX that Village Capital did not run the report themselves but had " XXXX XXXX XXXX '' run the report for Village Capital & Investment LLC on XXXX XXXX, 2017, with all three credit reporting agencies for them and those hard inquires have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have repeatedly contacted XXXX XXXX and asked them to send me proof that XXXX accounts belong to me. They are XXXX duplicate accounts, but just have different account numbers, but all the other information on the credit report is accurate. Every time they tell me they can not verify that it is mine, they just tell me it is without any proof, and tell me to contact the original debtor. So I contacted the original company and they do n't have any information about the account and it is a circle of forwarding to different companies who each do not have any information about any account that belonged to me. Eventually I was forwarded back to XXXX XXXX. I informed them about this, yet they refuse to remove the accounts. I contacted Equifax about it ( the only credit bureau with these accounts in them ) and they say they 've " verified the information '' yet how can they verify if when I call to verify they do n't have any relevant information for me. I do n't have any documents because the account is n't mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-08-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (OR).
Issue: Loan modification,collection,foreclosure

Complaint: I have been seeking assistance with a mortgage modification due to the 60 % increase in my payment about 6 months ago. I began this process XX/XX/XXXX once I received notice of my increased mortgage payment. Keep in mind the payment increase has nothing to do with the taxes or insurance because I pay those separately. Unfortunately, my single point of contact has changed 5 times over this 7 month period and I am afraid neither of them can claim XXXX as their primary language. I have scheduled appointments with them every 7-14 days however their requests for supporting documentation change each time. To provide an example, on XX/XX/XXXX, I spoke to XXXX who advised me my file is with underwriting and they just need my signature on XXXX pages. He offered to email the PDF document to me where I can sign digitally and then they can proceed with the review. I received the email the following day, performed the digital signature and submitted it the same day I received it. My next appointment was scheduled for XX/XX/XXXX. Suddenly on XX/XX/XXXX I was called by a different " '' single point of contact '' who advised me to provide the 2 most recent paystubs, a profit and loss report from XX/XX/XXXX through XX/XX/XXXX, section XXXX of the hardship application, section XXXX, section XXXX and section XXXX. I asked her why each contact creates a request for new documentation and she said these items have expired. I advised her everything was complete just two weeks ago and now it feels like I am starting over. This has been the case for the past 7 months and I am at a point where I can no longer play this game. I get the impression they have no desire to assist and just perpetually ask for new documentation until the old documentation has expired and then start over with requests for the expired documentation until the borrower finally gives up. 
I realize that I am the ignorant consumer who signed up for this exotic interest-only ARM near the peak of predatory lending in XX/XX/XXXX but I am not asking for Ocwen 's investor to take a loss through a short sale. Ever since the 60 % payment increase I have been able to keep my mortgage paid on time although I typically exhaust the full grace period. I am anticipating a $ XXXX tax bill to the IRS this year and really need to resolve my mortgage problem in order to afford a payment plan with the IRS.

Company response to consumer: Closed
Consumer complaint received 01/15/2017 about Credit card () with CITIBANK, N.A. (TX).
Issue: Billing disputes

Complaint: In a nutshell, Citibank Mastercard has charged me {$100.00} in late fees for an XXXX cent underpayment. In essence, my minimum payment was {$60.00} and was being automatically paid each month by my bank through their automated bill payment service. This was all working out until Citibank increased my minimum to {$60.00}, which I was n't made aware of because I moved and did n't receive my bill and did n't know for 3 months that my minimum payment increased by XXXX cents until today when a representative called me to inform me that as a result of this XXXX cent underpayment, I had accrued {$100.00} in late fees. I asked her to waive the fees since it seemed ridiculous to charge me {$100.00} for an XXXX cent discrepancy, which I was not made aware of due to the fact I moved and did n't get the bills. This rep informed me that she could n't waive the fee and transferred me to another dept who could n't help me either and then eventually, I was transferred to a supervisor named XXXX. XXXX was rude and not willing to help at all. She refused to waive the fee even though {$100.00} is an excessive amount to charge for an XXXX cent discrepancy, especially for a customer who is never late with her payments and who never received the bill or any notification ( until today ) that my minimum payment increased by XXXX cents. XXXX informed me there were XXXX lates fees charged, the first late fee they charged me was {$27.00}, the next was {$37.00} late fee and the next was another {$37.00} late fee all due to an XXXX cent discrepancy with the automatic payment being issued with my bank. Again, it 's not as though I was n't making a payment, it was that my payment was XXXX cents short and believe me if I had known, I 'd have my bank issue XXXX instead of XXXX. XXXX cents is not going to make or break me but being charged {$100.00} in late fee charges is criminal in comparison to this XXXX cent oversight. Thus I am humbly requesting help from you to have this company waive their ridiculous {$100.00} in late fees over XXXX cents, because I believe their bank practices are unfair, unethical and outlandishly criminal. Also, the Citibank supervisor XXXX refused to waive any of the fees despite the fact the bills were sent to the wrong address and refused to provide me with the name or address of their complaint department. I am sick with this company and cancelled my card as a result.

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 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: XXXX XXXX IS FAILING TO REPORT MY AUTO LOAN TO ALL BUREAUS EXCEPT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Debt collection (Payday loan debt) with National Credit Adjusters, LLC (CA).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: I took a loan with XXXX and defaulted. National Credit Adjusters ( NCA ) called me and told me that they could offer me a settlement that would not only clear the debt but they PROMISED they would remove it entirely from my credit reports and XXXX, their SISTER COMPANY, would also remove the marks. XXXX did not remove the collection from my credit report but they did file a loss with the government, for which I now owe taxes. 

I told the collection agency that I would eventually pay all my debt but needed to pay the debt that would improve my credit score first. They should not lie to people, who are already struggling. I've done some research and learned that XXXX sells much of their bad loans to National Credit Adjusters, so I am holding them responsible for the false promises made by NCA. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other fee

Complaint: I am writing to dispute a billing error in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my account. The amount is inaccurate. I am requesting that the error be corrected, that any finance and other charges related to the disputed amount be credited as well.

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 10-04-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I disputed the following account on my TransUnion credit report, since I had no knowledge of it : XXXX XXXX. 
TransUnion " verified ''. 
On XX/XX/2016, I requested a reinvestigation, asking for specific information about this account. This request was received by TranUnion, and signed for on XX/XX/2016. 
TransUnion once again " verified ''. 
I contacted XXXX on XX/XX/2016 asking for verification of this account. The letter was received and signed for on XX/XX/2016. 
As of today, XXXX XXXX, XXXX has not replied. This exceeds the 30 day limit. 
TransUnion obviously " verified '' without contacting XXXX, and then " verified '' AGAIN when I asked for a reinvestigation. 
Since TransUnion obviously did not contact XXXX and can not give me any evidence proving this is my account, it must be deleted from my credit report. TransUnion refuses to do this. TransUnion also refuses to respond to my CFPB complaint without my authorization, so I am giving TransUnion my consent ( authorization ) to investigate the CFPB complaint and to communicate to the CFPB regarding my credit report and the complaint.

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 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Karma, Inc. (CA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint: Credit Karma should stop advertising to consumers and encouraging them to dispute their credit reports without consumers first obtaining an official report from the bureaus and reviewing themselves. They should stop advertising the reports they provide for free to consumers as their real credit reports, when this is not the case. This is XXXX and unfair to other businesses, causing more work for other companies to review frivolous disputes when the reporting was accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (VA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: From XXXX through XXXX I used Federal Student Loans while I attended XXXX XXXX University. 

From XXXX - XXXX my wages were garnished by the collection agency managing the loan debt. I have attached the payroll records. The total payment made through the garnishment was {$20000.00} dollars between the above referenced timeframe. 

Since then I have gone through multiple loan rehab programs. 

The issue is that there is never any record of what I have already paid into the loan via the garnishment and the rehab programs. 

These loans are constantly reported on my credit report and I have attempted to contact the XXXX Department of Education and they still have no record of me making any payments toward the loan. 

This has been a major burden for me and my family. 

The loans are now with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2015 about Debt collection (Credit card) with CITIBANK, N.A. (TX).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Different names used from XXXX calling repeatedly saying Law Firm named " XXXX '' declining to give address, being not Attorneys just a plain collection agency falsely advertising impersonating as '' Attorneys '' not identifying properly no City, no Office address no true name ( did XXXX, non existent ) .Threatened to sue Indicating falsely I committed a crime by not paying old 10 year debt. Attempting to collect wrong amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 02/27/2018 about Debt collection (Other debt) with TekCollect Inc. (IL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Tek Collect inc has put a collection on my credit report that was discharged in bankruptcy. 


Tek Collection Inc XXXX XXXX XXXX OH XXXX # XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian Consumer Dispute : Dear XXXX According to the Fair Credit Reporting Act, XXXX U.S.C. XXXX Experian is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts posted on my credit report to assure maximum accuracy. Without proper verification by them, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that Experian used to verify that the account ( s ) belonging to me the first time they reported the account on my credit report. Failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA XXXX XXXX. XXXX, unverified accounts must be promptly deleted. If Experian is unable to provide me with a copy of the verifiable proof that Experian has on file within 30 days for each of the accounts listed below then they must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed. The following accounts must be verified or removed immediately : Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX BANK XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account Thank You, XXXX XXXX XXXX XXXX XXXX/XXXX/1976 XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (AZ).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On   XXXX   XXXX  , 2017, I received a letter from Home Depot stating that my credit card issued through   XXXX   XXXX   XXXX   had been closed due to an adverse credit score. I checked my credit report and it was excellent. I called them and was told that hundreds of letters had been sent out by mistake informing customers of account closures due to poor credit. They refused to re-open my account as I requested and stated that a warning letter had been sent out prior to closure informing me that my account would be closed due to inactivity if I did n't use it.I told her that I never received such a letter. She still refused to re-open the account. On or about   XXXX   XXXX  , 2017, I spoke with a supervisor named  XXXX  who admitted that no warning letter was ever sent as previously indicated even though it was company policy, but again refused to re-open the account. My credit score has dropped more than   XXXX   points as a direct result of their negligent and incompetent handling of my account by closing it without notice or consent. This has had a devastating effect on my ability to become employed in my field. My credit score is very important to me as it is closely scrutinized on a regular basis as a first responder. I engaged a lawyer who found case after case of case law of situations that dealt with " covenant of good faith '' that illustrated a clear violation on the part of Citibank of this concept in Arizona law. I will be happy to provide a copy of that letter which was sent to Citibank on my behalf urging them to re-open my account. Yet again, they refused. Citibank needs to follow Arizona law, " implied covenant of good faith and fair dealings in every contract. The duty arises by virtue of a contractual relationship. '' They have acted in bad faith and caused me significant harm by not being faithful to the agreed upon common purpose of the contract thereby preventing me from receiving the benefits and entitlements of my account agreement.

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 05/24/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: XXXX    XXXX   XXXX   : Amount : {$4900.00} I had called before and closed the account and made payments arrangements on the account faithfully! That was probably sometime in  XXXX . I made all payments as agreed on the closed  XXXX   XXXX   XXXX  which they have agreed to.     Then in  XXXX   XXXX  ; I had to have   XXXX   XXXX    XXXX  and had complications ; so I was out of work for at least  two ( 2 )  months ; and had reduced pay ; so I was not able to pay the amount owed ; I called them at least three times to discuss ; and the collection agents were not negotiable at all and said I had to pay the whole amount. I told them I could not and they said well you have to pay. I tried to negotiate a lower payment and they did not want to listen and they were just rude agents. Their tactics were not good. I tried to pay like {$25.00} toward the bill and they would not agree. They basically hung the telephone up on me!     They are suing me now ; which I do not think is right ;  XXXX  is in Bankruptcy Court and they are having financial problems so they should work with their clients also in this situation as they know financial troubles also.  XXXX  is who the  XXXX   XXXX  was affiliated with.     I would like to pay {$25.00} per month on this bill as I am attempting to do something. I do not want to go to court or be sued or garnished wages in this endeavor.     Any assistance or counsel you can give in this matter with   XXXX   will be greatly appreciated!!!      XXXX   XXXX   XXXX  XXXX  XXXX  For  XXXX   XXXX  - Debtor

Company response to consumer: Closed with explanation