milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/26/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: APR or interest rate

Complaint: On XX/XX/2016 I applied for the Citi Double Cash credit card. I was told that for 15 months I would not get interested charged on purchases or balance transfers. This same information is posted on the Citibank website. I have only had the card for 2 months and the interest rate of 15.24 percent that I qualified has now kicked in after the fact I was told I had 15 months 0 interest. I would like to get some help as this seems to be false adversting. Thank you in advance for all your help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-11-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following account that TransUnion continues to report on my credit file : Bankruptcy Case ID # XXXX. 
I directly called the third party telephone number that is listed on my report and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from XXXX showing the date of confirmation. She also told me that there is NO inquiry from TransUnion or mode of verification from XXXX to TransUnion showing on my third party credit file. And she also stated that XXXX DID NOT verify the verification that TransUnion shows as reported on XX/XX/XXXX. I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means. I am waiting verification from the clerk of court with supporting documented per our conversation. 

Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. 
I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! XXXX agents assured me that TransUnion so-called " verification '' on XXXX WAS NOT REPORTED BY THEM BECAUSE MY THIRD PARTY CONSUMBER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and TransUnion has yet to verify. 
Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Mortgage (Conventional home mortgage) with FLAGSTAR BANK, FSB (MT).
Issue: Trouble during payment process

Complaint: I noted my mortgage payment check has not been cashed. I called them today and spoke to someone named  XXXX . She told me my payment was being held in the  XXXX  post office due to a mail delivery problem and not to worry, I 'm not the on ly one and  they have put a stop on a late charge due to the mail delivery delay. The bank is Flagstar bank. Phone #  XXXX . Pymt amt of  XXXX . I told them I never heard log such a thing and why have they not notified customers.

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 09-06-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have sent this collection agency multiple letters via certified mail and they have never responded or provided any proof of the alleged debt they are reporting on my credit reports. I do not agree with the amount of the debt owed and i have asked them for an itemized bill of particulars so i could determine how they got to the amount they allege owed. They have violated 15 USC 1692 FDCPA and 1681 XXXX FCRA. A data furnisher is required to respond to a dispute within 30 days of receiving a dispute. I have sent XXXX letters certified mail and they have never responded. They are also in violation of the CFPB consent order against them from last XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Specialized Loan Servicing LLC (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I checked my credit reports and saw that Specialized Loan Servicing is reporting inaccurate information. My credit profile is showing 180 delinquent with all of the three credit Bureaus. I am disputing the delinquency due to the notification that I received on XX/XX/2018 from my bank. I sent my monthly payment, and ( SLS ) refused to accept it. I called ( SLS ) with a counselor from XXXX XXXX, and a customer representative said that they would not accept any more of my payments. That led me to do a complaint with ( CFPB ). I then filed for a modification in fear that I would lose my home. It took some months before they started accepting my payments. 
** I have attached the letter from XXXX, but this payment was not the only one that was not accepted. **

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 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: On XX/XX/XXXX Complainant entered agreement with XXXX XXXX ( XXXX XXXX XXXX ) for 145 channels of TV service and other benefits at {$19.00} per month. When the bill arrived it was {$75.00} per month. XXXX told XXXX XXXX to cancel the agreement as per the terms of the contract at no charge. XXXX XXXX billed up to {$720.00} before the dispute was settled on XX/XX/XXXX, and billing shows Complainant owes nothing. Equifax and XXXX show that Complainant owes XXXX XXXX {$520.00} which was incorrect from the beginning. Complainant is trying to buy a residence, but the incorrect reporting has ruined his good credit record. XXXX XXXX acted in violation of Alabama 's statute against false advertising, and its actions severely damaged XXXX. Equifax and XXXX also incorrectly show that Complainant owes XXXX XXXX {$480.00} dollars, when the account balance is XXXX. The Complainant 's credit score was further adversely affected based upon incorrect data.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with National Student Debt Advisory Corp. (TN).
Issue: Fraud or scam

Complaint: I get a call XXXX times a day about student loan, I have no student loans I told them, they said they will call everyday until I pay but they do n't know my name. Phone number calling from is XXXX. We got in a heated argument I told them I will get a lawyer take me off the list. The lady said she will call everyday.

Company response to consumer: Untimely response
Consumer complaint received 11-12-2016 about Debt collection (I do not know) with Dyck-O'Neal, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dyck Oneal has been reporting on my credit report a collection in the amount of {$32000.00} which is not mine and Dyck Oneal is illegally transacting business in the State of Ohio by continuing to try to collect a debt from me and I am a resident of the State of Ohio. According to the Ohio Secretary of State : Ohio does not have a specific requirement for collection agencies or debt buyers to be licensed in the state. However, any business, regardless of location, that " transacts business '' in Ohio is required to register with the Secretary of State. Dyck Oneal is not registered to do business in the State of Ohio.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Credit reporting () with Experian Information Solutions Inc. (UT).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a loan with XXXX XXXX auto financing for a vehicle I purchased. I was involved in an auto accident that totalled my vehicle and left a little over {$700.00} on the loan after insurance payments. I had gap insurance to cover that amount, but they report it as a charge off.

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 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (MD).
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: Experian is not reporting both of my XXXX cards on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (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: A transaction on my Synchrony account was made on XXXX XXXX in the amount of {$1000.00} at XXXX XXXX XXXX XXXX, NY XXXX. The items purchased were scheduled to be delivered within 2 weeks as stated by XXXX an employee for the furniture company. I patiently waited 1 month for delivery. I placed many calls between the bank, merchant and delivery department. After making several calls, I was notified that some items were not available due to recall as stated by one of the Merchant 's employee ( XXXX ). I was asked if I would like to look at anything else and I replied no thank you! XXXX called over to the main office in XXXX, NY to express I was not interested in anything else. XXXX proceeded to issue out a refund. I notified Synchrony bank about the issue at hand. They conducted there own investigation and found favor for the merchant. However, I have a debt with nothing to show for it. I did not receive any of the items. And I did n't get a refund that was also promised.

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 02-08-2018 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: I am complaining about inaccurate information reporting on Experian and XXXX.THE ACCOUNT XXXX XXXX XXXX,acct no. XXXX.... has been disputed many times with both bureaus,the information updates yet is completely in error.Attached here is proof of the errors.Both the XXXX and experian reports updated within the last two weeks are completely incongruous with each other.XXXX  HAS CHOSEN TO DELETE THIS ACCOUNT TO MY SATISFACTION.EXPERIAN shows a paid charge-off with only about 1300 dollars paid in XX/XX/XXXX.the auction value of the repossessed car was far in excess of that amount.XXXX reports that the loan is a charge-off in XX/XX/XXXX when it was paid in XX/XX/XXXX.XXXX shows a XXXX pymt in XX/XX/XXXX and a last pymt in XX/XX/XXXX.NEITHER OF THESE BUREAUS HAVE CORRECT FACTUAL INFORMATIONAND THEY MERELY PRINT AND PUBLISH THE INCOMPETENT REPORTER.it is obvious which XXXX discovered that this creditor can not accomplish accurate reporting on this account and must be deleted immediately

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 09/13/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with NORTHERN TRUST COMPANY, THE (PA).
Issue: Problem when making payments

Complaint: I HAVE AN ACCOUNT WITH NORTHERN TRUST CO. BEING FUNDED WITH THOUSANDS OF DOLLARS GOING IN AND COMING OUT OF IT. THE ACCOUNT IT MINE. IT IS ASSOICATE WITH MY SOCIAL SECURITY NUMBER AND I HAVE USED IT 2 SEPARATE TIMES TO PLACE ORDERS ONLINE. NOW, I CAN NOT MAKE AN PURCHASES AND THE NORTHERN TRUST CO. IS TELLING ME THAT I HAVE NO ACCOUNT. I KNOW THE ACCOUNT EXIST BECAUSE I HAVE USED IT PREVIOUSLY. I KNOW THE ACCOUNT IS ASSOCIATED WITH MY SOCIAL BECAUSE I HAVE USED IT TO ACCES THE FUNDS. I WOULD LIKE TO REGAIN ACCESS TO THIS ACCOUNT BECAUSE IT BELONGS TO ME LEGALLY AND I HAVE RIGHTS UNDER THE CONSUMER LAW. IF MY PURCHASES CONTINUE TO NOT GO THROUGHT I WILL CONTINUE MY INVESTIGATION ALONG WITH REPORTS FROM OTHER INDIVIDUALS AND I WILL FILE A SUIT REQUEST 3 TIMES THE AMOUNT OF THE FUNDS THAT WERE REVESERED BE PAID TO MYSELF AND ALL WHO ARE EXPERINCING TH SAME PROBLEM. WHETHER THE ACCOUNT IS BEING FUNDED BY THE FEDERAL RESERVE BANK OF XXXX OR NOT. THE MONEY IS LEGALLY MINE. AND DENYING ME ACCESS TO IT IS ILLEGAL AND ACTION WILL BE TAKEN. I HAVE RIGHTS AND BY THE CONSUMER LAW, I WILL NOT HESITATE.

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 08-09-2017 about Debt collection (Other debt) with Diversified Adjustment Service, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Several times we were contacted by number ( XXXX ) XXXX and finally on XXXX XXXX 2017 my wife answered. They disclosed information about a debt owed. She informed them that payment arrangements were already made. I then contacted the collection agency also informed them that the call was being recorded from my end as well. XXXX took the call and insisted that I owed a debt. I informed her that payment arrangements were already made ; she stated that we had missed a payment and for me to prove that a payment was made. She stated that we owed {$2700.00} and asked how I would like to pay for it. We do not owe {$2700.00} ; we owe only {$2600.00}. I have never received a written notice from this company ; additionally XXXX failed to inform me that I had a right to dispute the debt, furthermore she indicated that they just received the account on XXXX XXXX 2017.  On my credit report the name of a collection agency is XXXX XXXX XXXX ; XXXX informed me that her companies name was XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. Even though we have payment arrangements made with XXXX this company still insists that we owe the money to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (OH).
Issue: Loan servicing, payments, escrow account

Complaint: Mailed mortgage payment to Bank of American on XXXX XXXX, 2016. Bank of America received the payment on XXXX XXXX. The payment has not been posted and today is XXXX XXXX. I called them on XXXX to let them know that they had signed for the payment on XXXX XXXX, but the payment is still not posted to my account and today is 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
Consumer complaint received 07-11-2017 about Student loan (Private student loan) with SLM CORPORATION (NY).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I was told numerous times by many different representatives I have 12 months of forbearance for my loans. I took a few months of it and then I needed to extend it for the remainder of the 12 months. I paid {$150.00} to make my loans current and then they would extend my forbearance. A month later they told me they wo n't approve my extra time that I was told previously would be. So now I have  two  sets of payments past due. Sallie Mae has never been straight forward with me and I get all these different answers. They refuse to hear me out on why I want my forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: APR or interest rate

Complaint: Thank you for considering my problem, I had XXXX credit card accounts with citi. When my wife and son XXXX I applied for a program to modify my payments on XXXX of the cards. That program closed my account but reduced my interest to 0 %. I entered into auto pay programs for both account. I kept the XXXX account open even though the interest rate was 29 % because I would occasionally need to use the available credit. I have XXXX year old boys and have had inconsistent work since the tragedy in our family. Recently citi informed me that they were closing my second account. Their reason was I had entered into a payment program with them on the other account. This outcome was never presented as a possibility when I entered into the agreement. I had approached them about entering into a similar program where I would pay off the entire principal at 0 % interest. I was told by the person assisting me that due to the way my account had been closed there was nothing that could be done other than let my account go to collection. Citi advice was then to allow my credit rating to be effected negatively in the hope that I could enter into a program to pay off a debt made up mostly of usurious interest charges. This seemed unfair. I request help. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: This complaint is in reference of CFPB Case number : XXXX. 
The response from Wellsfargo did not address the complaint. The issue here is that Wellsfargo steals my money of {$1700.00} and using fake excuses to cover up. 
I am the one who opened the checking account. I did come to XXXX branch to see banker named XXXX and showed her my driver license to prove my identity. 
As per XXXX at Wellsfargo Identity Theft Operation ( XXXX ), there is no identity theft claim. I have tried to call and left several messages @ XXXX but no one ever calls me back. Wellsfargo created this whole fiasco to steal my earnest money. 
I still have {$1700.00} in my account. I want the money to be refunded to me. The issue here is Wellsfargo does not want me to have access to my money or return the money to me. 
I do not raise any concern about identity theft with Wellsfargo. I did check my credit report and did not see anything new. Wellsfargo made up the whole story. First, I was told someone tried to use my profile to open the credit card. Later, I was asked to come to the branch to prove my identity. Now, Wellsfargo said the account was opened without proper authorization while I am indeed the one to open the checking account. I demand Wellsfargo to refund my money ASAP. Thanks.

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 05-05-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NY).
Issue: Trouble during payment process

Complaint: NationStar Mortgage charged {$75.00} for " maintenance '' as a lender expense, statement dated  XX/XX/XXXX  ( attached ).   I called them at  XXXX  to ask what this was for, and was informed that it was for " lender paid items '' related to " upkeep of your account '' for " service related to the loan on the property '' and about 25 minutes later ( after being placed on hold several times ) that it was " charged for inspection done on my property '' on "   XX/XX/XXXX   '' I asked that a copy of the report be sent to me  (  it is attached ). The invoice is for {$15.00} dated   XXXX   ( not {$75.00} and not   XX/XX/XXXX   ). Additionally, there are several errors in the report -- such as the property is a  XXXX -family brick row worth {$300000.00} and that a relative was interviewed -- which makes me believe this was a phoney report.   My former mortgagor  XXXX  sold all their loans to NationStar in   XX/XX/XXXX   and I am wondering how many other people received the same {$75.00} fee. If every single mortgagee from  XXXX  was charged {$75.00} during the buyout / transition, that could be hundreds of thousands if not millons of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (OR).
Issue: Managing, opening, or closing account

Complaint: Blackhawk Network has seized XXXX my accounts worth {$1500.00} Blackhawk Network Holdings XXXX Inc. XXXX BHN XXXX, doing business as T-Mobile XXXX XXXX and PayPower Visa XXXX, has seized XXXX my accounts with {$1500.00} between the XXXX : T-Mobile : XXXX XXXX XXXX ) Paypower : ******************* ( XXXX ) These accounts were funded entirely by me and were seized without cause, contact, or reason, immediately AFTER I loaded the funds to the account. In other words, BHN PURPOSELY WAITED FOR ME TO FUND THE ACCOUNTS BEFORE SEIZURE. 

This company is a borderline criminal organization and should be investigated by the appropriate authorities.

Company response to consumer: Closed with monetary relief