milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/29/2015 about Consumer Loan (Installment loan) with Duvera Billing Services, LLC (IL).
Issue: Managing the loan or lease

Complaint: I purchased a computer through XXXX Computers in XXXX and they pushed me to purchase the computer through Duvera Financial who was doing business as EasyPay Finance. They told me that the loan would be for 90 days and the installments would be finished within the 90 days. I recently found out that this was a lie and I am now being charged 189 % interest on my original loan. I received a contract that I had never seen or signed, but was digitally signed. Also my address on the contract is incorrect. Because of the incorrect address, which I assume was entered by the store clerk as I have never lived at that address, I had a terribly difficult time accessing my file within EasyPay Finance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a hard inquiry from CBNA on my credit report from 2015. I received a loan this week and I saw that CBNA states -- amount owed {$20.00} and monthly payment is {$20.00}. I have no idea who this is. I do not have an outstanding balance to anyone for {$20.00} -- especially not since 2015! Hope you can help! I do not know who to contact to get this fixed. 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 08/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I was notified by Navient that it was time to pay my student loans in XX/XX/XXXX so I submitted all paper work the month before. They came back saying that I would have to pay five hundred something dollars a month. So I resubmitted my income based repayment and now they came back at XXXX. I tried to get that lowered but they said it 's based on some calculation that they make and it ca n't be lowered anymore. I feel that this is n't fair to me not to consider other bills I may have. I have a family that I support. I considered myself going to school to have a better life but it seems like it 's more of a burden to have debt to pay back.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit card () with CITIBANK, N.A. (UT).
Issue: Credit card protection / Debt protection

Complaint: I have had a credit card account with Best Buy for five years. It started on XXXX Best Buy, and was migrated over to Citibank Best Buy ( I 'm not sure when. ) I 've been a very good customer, and have always paid my bill on time. I was shocked this month to find that for the past five years, I 've been being charged for " Debt Protection '' when I never signed up for it, and was never notified once the account was transferred to Citibank. I have already gone through the process to have it cancelled. After waiting 30 days, I just received a letter today saying they wo n't refund the service, even though I did not physically sign up for it. Checking my documentation, this was never a requirement on new credit accounts or that it would automatically be applied. I will take responsibility that I did not check my bill for wrong charges, but, as a good customer, I simply pay on time and have trusted Citibank to do the rest. I would n't have missed a few dollars here and there originally, but now I have a very high credit limit ( good customer, good credit ) and have been charged at time {$50.00} a month for this service, paying in a little under {$1000.00}. They also will not take responsibility for the lawsuit ( referenced here : XXXX ) and are trying to put the blame on me for a service I never agreed to. They said they will re-initiate the request, but why should I wait another 30 days for the same answer?

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 12-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I havent been able to access my credit report, and once I called Equifax to discuss the problem no one wouldnt help me. It says that my info is wrong and I know for a fact that someone has been putting stuff on my credit which is the reason i cant access to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2016 about Debt collection (I do not know) with ARS National Services, Inc. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received, at a minimum, XXXX ( XXXX ) telephone calls from a company identified on my telephone " Caller ID '', as " ARS National Se '', from telephone number XXXX. They ask to speak to a " XXXX XXXX XXXX '', a name similar to mine. I have told them on at least three ( 3 ) occasions that they have the wrong number and the wrong person, and I have asked them to stop calling me. They still persist in calling. 

The calls recorded on my caller ID are as follows ; 1 ) XXXX/XXXX/2016 at XXXX 2 ) XXXX/XXXX/2016 at XXXX 3 ) XXXX/XXXX/2016 at XXXX 4 ) XXXX/XXXX/2016 at XXXX 5 ) XXXX/XXXX/2016 at XXXX Each time the caller stated that the conversation was being recorded. I told them on tape, if they did tape it, that I was not the person they named, and this was not his phone number, and to please take my number off their calling list. They have not complied. 

I am interested in pursuing taking actions against the person/organization responsible for all of the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Checking or savings account (Checking account) with M&T BANK CORPORATION (DC).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened an account with M & T Bank on XX/XX/XXXX after speaking with a Teller at their XXXX XXXX  branch who informed me that they were running a {$200.00} promotion to open a new account using the code XXXX. Since I was a XXXX resident she stated that I would qualify for the code and that I should come back to open an account or open one online. Both my boyfriend and I opened our own individual accounts using the XXXX code since we just moved to XXXX and needed a local bank. We qualified for all of the terms to receive the {$200.00} but it never posted within the 90 days like it was supposed to. 

When I reached out to M & T regarding this on XX/XX/XXXX, they replied on XX/XX/XXXX stating that my name was n't included on the offer, but that they continually offer new account sign ups in branch, via radio, mailing, or internet for all customers, new and existing. 

However, I feel that is not a fair business practice and false advertising to potential customers as it was advertised to me in branch by their employee and both my boyfriends and my accounts qualified for the promotion.

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 05-11-2017 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: Public record information inaccurate

Complaint: This is a follow up to my previous complaint ... I filed for  Chapter   XXXX  in    2010, this is reported by the Credit Bureaus as FILED, when it should be reported as DISCHARGED. Not to mention, it is now past seven years.

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 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NV).
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: RE :   XXXX  I have notified Equifax that this not mine :  XXXX   XXXX  accounts  XXXX ,  XXXX  and  XXXX  All they did was verify that  XXXX  had my name and social seucrity number, which of course was already knows as it was on the credit report to start with, so they took the word of the reporting company,  XXXX , as validation of its own debt?     I am   XXXX   XXXX   XXXX   an have lived in Nevada for over 25 years and provided my information, license and property information from  XXXX   XXXX  to Equifax that I have lived here and not Texas and have never lived there and did not have service there.  XXXX  needs to respond to us with pro of ( written contract,  drivers license, method by which these accounts were set up, in person, on the itnternet, etc ) that a single person would hav e  XXXX  u tility accounts. Why would I have  XXXX  utility accounts????     Asking a company to verify their own information is not an independent process and hardly qualifies as a legit investigation.     Thank you,   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Debt collection (I do not know) with CMRE Financial Services, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company received a letter dated XX/XX/XXXX from me requesting validation documents for account number XXXX. I did not receive any response from this company. I did not receive and validation document ( statement/bill, proof that this debt was assigned to them etc. ) This clearly is a violation of FCRA and FDCPA. Their negligence and none compliance are preventing me to acquire credit. This company is robbing me of my rights which has a great effect on me and my family financially. Attached to this complaint are copies of the letter I sent them last XX/XX/XXXX and the letter I am sending them today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (IL).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Ditech Financial. On XXXX XXXX, I had damage to my home, causing an insurance claim. The claim was covered and the insurance started sending me checks right away. My mortgage company insisted on managing the funds and dispensing them as they were needed. I understood that and had no issues with that so I sent the funds to them. They sent me a check for the first {$10000.00} but no one told me it was coming so I was pleasantly surprised. Unfortunately, no one also told me that they were awaiting a series of forms from me ( that they also had not sent ). I called to make sure they had gotten what I had sent over already and asked them if anything else was needed. This was probably about XX/XX/XXXX. They said they were still waiting on some other forms and could n't release any other funds until that was received. I asked them to send me the forms that they needed filled out and I 'd get them finished. I received the forms about a week later and had them finished and sent a few days later. The company received them on XX/XX/XXXX. The company policy states that they take 7-10 business days to process the mail. That means I have to wait until XXXX for them to even read my forms that I sent. The biggest concern is that my contractor is at a total standstill and ca n't perform any more repairs until more funds come in. In addition to that, the insurance stops paying for the hotel tomorrow and I still have no kitchen. I called today and asked if anything could be done and the girl on the phone said that is policy and I have to deal with it. Unfortunately, apologies and policies are not legal tender at the hardware store so I 'm still without a kitchen and Ditech does n't give XXXX about it. I asked to speak with a supervisor and the girl on the phone said no supervisors were available and said I could leave a message to be returned in 72 hours. I told her that was not an option so she transferred me anyway. That 's more just general nonsense, but the main concern is that this company has {$30000.00} that belongs to my contractor and myself that they refuse to dispense because THEY did not advise me that they needed something. Long story short, they failed, I suffer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I went to the XXXX on XX/XX/2014 after having an accident in my work. They supposed to send the bill to workers compensation of my employer instead they send me a bill for the amount of $ XXXX from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: violated the FDCPA by knowingly attempting a judgment 14 years old. Expire statue of limitations on judgment. judgment date is XXXX XXXX, 2003. did not renew judgment on or before 10 years with the clerk of the court records office. misrepresenting the amount due. Filing an inaccurate amount due, not considering prior payments on judgment. Contacting my job calling my employer of my work status of a time-barred, zombie debt. Abusive debt collection after 14 years judgment is dormant, time-barred taking me back to the courts knowing the judgment statue of limitations has expired and harassing me getting my present employer involved in a lawsuit that is now dormant. informing third parties about my debt who is my present employer. failing to provide verification and continuing to attempt to collect debt when it is disputed by customer. Failing to disclose that judgment is to old to be legally enforced. Threatened to garnish my pay check knowing the statue of limitation has expired on the judgment,

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Debt collection (Payday loan) with CL HOLDINGS LLC (PR).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I have an agreement with Jefferson Capital ( represented in XXXX XXXX by XXXX XXXX Consumer Debt Management ) to complete the payment of a debt. From XX/XX/XXXX this company wo n't accept the payment and today this company call me back ( XXXX ) to say that the agreement is not valid and I will pay another amount. Eliminating the agreement without any valid reason. I have all evidence of payments and agreement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MN).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am paying XXXX a month for my navient student loan ( I have about XXXX that each have a 10 % interest rate ). I have called this loan company many times to try and change the length of the payment. They will not do anything to help. I also have sallie mae student loans which I owe XXXX a month and they will not help with my payment plans as well. I am drowning in student loan debt. I also have federal student loans. I am paying over XXXX a month in student loans and no one is helping me and these private loan companies do not accommodate my financial situations.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Debt collection (Medical) with National Business Factors (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: the original collector never summited claim to my medical insurance.today i contacted my medical insurance they asked for creditors number to call to get the original collectors number the debt collection agent didnt have that information. my insurance was going to have them re-summit the claim. she was surprised they didnt have any contact with the original creditor.i disputed and disputed still nothing XXXX XXXX insurance takes that debt.this company just dont respect people

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and someone used my identity and personal information to open up a XXXX credit card account ending in : XXXX, I have never applied for a XXXX credit card. The account is fraudulent, unauthorized and dont belong to me. I didnt apply for a XXXX credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Debt collection (Credit card) with Admin Recovery, LLC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They are calling and harassing me at my work.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: After canceling XXXX XXXX they billed me for contract extension -- - {$160.00}. and, on numerous occasions I said I would pay as soon as their equipment was removed form my roof. Once they said it would be done when a technician was in the area. Once I was able to finally get the equipment removed I promptly paid the {$160.00}. Meanwhile, XXXX XXXX sent their bill to XXXX. I wrote XXXX explaining matters and cautioned them to do nothing to cause a negative effect on my credit record. Despite this, XXXX ruined our score, and has not taken necessary steps to return it to the 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 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX reported a failure to pay on my auto loan in XXXX of 2016 even though I have made payments continuously made payments throughout my bankruptcy case and up to the present. They have also reported my account as closed when it is still open and I am still paying the note every month. I do understand that reporting is stopped once the account is taken into bankruptcy, however XXXX is still receiving regular payments from me so I should get something for that.

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 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Portfolio Recovery is falsely reporting information on my consumer credit report that does not belong to Me. They are reporting a debt that has already been disputed and deleted from all the credit bureaus and they are adding false dollar amounts to make it look like or appear as a different account.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: I have made three separate requests for Equifax to either provide physical verification of the original signed consumer contract -any and all accounts you post on a credit report per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ). Instead of providing the physical verification I have requested, they have treated my letters as disputes and provided a print out stating that they have verified the disputed accounts. If the FCRA requires credit reporting agencies like Equifax to keep on record physical copies of consumer contracts and other documentation and that they be able to produce this documents upon request or delete the items from they should do so without having to be goaded or having a complain filed against them. <P/>According to the sworn testimony of XXXX XXXX XXXX before the Subcommittee on Financial Institutions And Consumer Credit of the COMMITTEE ON FINANCIAL SERVICES on XXXX XXXX 2003 the credit reporting agencies are flouting the FCRA and allowing furnishers of the report ( creditors and collection agencies ) to manipulate the CRA requests to ensure that all both companies records match. ( 1 ) XXXX has cleared two of the original derogatory remarks for which they can not provide verifying documentation. However three such marks still remain and no documentation has so far been provided. <P/><P/>1 ) See attached testimony particular pages 9-10 of the XXXX XXXX 's testimony. Or view it here : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2016 about Money transfers (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Money was not available when promised

Complaint: I requested international wire transfer at Bank of America on XX/XX/2016 to family member for medical assistant. I gave all the needed details and provided my EDL Enhanced Driver License ( which implies I am US citizen ). was charged {$45.00} transfer fee + {$7.00} other fees. The remittance transfer receipt indicated that the funds will be available on XX/XX/2016 or sooner. Funds were not available after 2 weeks of the wire transfer which triggered me to go to the bank and met again with same Bank of America representative. She said they need more information. she asked if am US citizen and she need the passport number. I told her that I am and she took the EDL information again. she said the money should be release soon and she would let me know once the money is sent. a almost a week later, I was not contacted and the destination bank indicated still have the information but funds are not available and still held in the source. today is three weeks after the wire transfer and do not know where the funds are.

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