milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: These accounts were taken off my XXXX credit report and now I see they have been reinserted without validated. XXXX has not verified these accounts nor have they responded to my request for method of verification form that I sent for XXXX to fill out. XXXX XXXX debt and XXXX XXXX XXXX  have not sent me the signed documentation that i requested with my signature. These accounts are fraudulent and I will no longer continue to suffer the repercussion from these accounts that are not mine. XXXX XXXX is not a method of verifying. Information from third party vendors are not accurate. The last 4 digits of  a social security number do not verify nor validate a consumers information. I will send a letter to the CEO of transunion if this matter is not fixed immediately. I am in the process of filing a lawsuit against XXXX. Cease and desist letters have been sent to both collection agencies as well as a debt validation letter and I have not gotten that signed document with my signature and its been well over 30 days.

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 11/22/2016 about Credit reporting () with EQUIFAX, INC. (WI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I never ask for a credit care for sear 's now there are 3 other XXXX that live here in Wisconsin or someone was trying to get credit in my name can you please remove this from my credit please

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: on XXXX XXXX, XXXX I was in need of a computer. I went to Best Buy in XXXX Ca. The floor staff directed me to the XXXX, and XXXX product. I said I can not afford the XXXX though it would be my first choice in terms of durability and quality. The staff told me, well, you can afford it because you can get a Best Buy credit card and I could pay off the computer monthly, with no interest. I was insistent was this true and correct? He said it was. I went ahead and purchased, also double checking with the sales staff at the register if in fact what I had been told was true. They said it was. I happily went home with my computer. I paid on the computer monthly, and never missed a payment, paying more when I had it, I am on XXXX and was recovering from XXXX XXXX, the computer was very important to me as I was limited in accessing outside my home. I checked today, XXXX XXXX, XXXX to see if the computer was paid in full, I thought it should be by now. I was told to my shock and horror that I owed, XXXX on the computer that cost XXXX! In other words I was paying for the computer twice! I told the credit card customer service that they owed me XXXX because I had overpaid them! On the original amount. They said sorry but in XXXX of XXXX they had ballooned payments so the amount I owed doubled. I said when I got the computer, no one said anything about balloon payments, in fact I was told it was interest free. Otherwise I would not have bought the computer at all, I knew I could not afford it if those conditions had been explained to me properly and had they not repeatedly lied.

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 02/24/2018 about Debt collection (Mortgage debt) with CARRINGTON MORTGAGE SERVICES, LLC (WA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Today, I am writing to complain about the allege accounting and servicing transferred to you from XXXX XXXX XXXX on or about XXXX XX/XX/XXXX and my need for a thorough understanding along with clarification of various attempted sales, sale dates, transfers, funding sources, alleged legal but illegal beneficial ownerships, current charges, credits, debits, transactions, reversals, actions, payments and analyses of all records related to the servicing of this account from its origination to the present date. To date, the documents and information I have reviewed from XXXX County ( to include my personal documentation on hand ) and the previous conversations with several XXXX service representatives by the name of XXXX XXXX ( Employee # XXXX ) and personal at Carrington Mortgage LLC. and XXXX XXXX by the name of XXXX XXXX who would not provide his employee number and the many other account managers, in which, I continue to have unproductive, evasive conversations and furthermore, have not answered many of my challenging questions. Im currently in possession of two letter ( one from XXXX and the other from Carrington Mortgage and both letter cancel out one another stating that each other company is the servicer, which has left me very confused ). I was also contacted my XXXX XXXX who stated, he allegedly bought my property for {$250.00}, XXXX ( This is constructive fraud ) and he threatened me and then asked if I wanted to buy my property back. Allegedly, my property was attempted to be sold on XXXX XX/XX/XXXX with a notice that I now have in my possession and then I was told that it allegedly was sold on XXXX XX/XX/XXXX. We had people coming to our home in the middle of the night and throughout the day while my kids were at home and looking in windows and placing notes on our door asking to buy our home a notice of a trustee sale on the day of XXXX XX/XX/XXXX. As it now stands, Im asking that this alleged indebtedness be forgiven or discharge immediately through your booking keeping entries and accounting ledgers etc. In addition, that acknowledgement be presented to me in writing within 30 days of receipt of this compliant and also the removal of any future duress ascertained over the past. It is my current understanding that XXXX XXXX XXXX ( of which your company acquired another mortgage note? ) and now your company may have also been accused of engaging in one or more predatory servicing of lending and servicing schemes that XXXX previously engaged.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Student loan (Federal student loan servicing) with United Student Aid (USA) Funds (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have XXXX different collections XXXX with navient. After they started garnishment of my XXXX I made payments to all XXXX collection agencies, and was told after a certain amount of time garnishment would end. I spent five hours today to get information on having the garnishment stopped. Navient told me to contact dept of treasury they transferred me back to collection, was told to call dept education. They told me they have not received any paperwork to stop garnishment and call navient. Called navient again and this time was told septic education was supposed to send me the paperwork in the mail. I have received anything like that.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
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: Submit document for XXXX XXXX earlier this years receive paper confirmation that the history or the account will be removed because company took to Long to respond and there was no proof of the account. The account was being mailed to wrong address and the wrong email I never received any bill. Results stated on paper that they will remove the historical data of the account but it 's still posted I have been fighting this for months even though I have the paper work. Now that I have paid the account off the historical data is hurting my credit file. I 'M REQUESTING THE ACCOUNT BE REMOVED FROM MY REPORT. Or the historical data all be deleted. 

Also the address and the social variation is not mine.. I keep sending over documents to get these address removed and I also have active alert but I keep seeing address being added to my account and address staying the I do not know. THESE ADDRESS ARE NOT MINE. MY ADDRESS IS XXXX XXXX XXXX XXXX ALL OTHER NEED TO BE DELETED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/15/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (IA).
Issue: Loan servicing, payments, escrow account

Complaint: My XX/XX/XXXX payment was made early ( I have copy of cleared check ) yet it was reported to XXXX as delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Payday loan () with High Point Asset Inc (NC).
Issue: Charged fees or interest I didn't expect

Complaint: I paid off the loans last year to a different collection agency. I have the release letters for the loans they are trying to collect on. I sent them to this company but they continue to harass me and now they are calling my cousin harassing her. My cousin has XXXX and she was very upset with theses calls. They have threatened jail because of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Consumer Loan (Vehicle loan) with GENERAL MOTORS FINANCIAL COMPANY, INC. (AZ).
Issue: Managing the loan or lease

Complaint: I bought a car thru XXXX XXXX in XXXX XXXX I had XXXX car payment late due TO THE XXXX SHUTTING DOWN FOR TWO WEEKS it was n't my fault that was out of my hands and they marked me late. Also I signed up for auto pay in XXXX of XXXX. THEY XXXX UP PAPERWORK AND DIDNT PUT IT IN FOR 3 months even though I talked to their representatives and they told me it would only take 10 days from the date they received it. It took them three months. So that is not my fault that they XXXX up but they have marked me late XXXX. So a total ofXXXX late payments which was n't my fault. I can not help if XXXX shut down and we did n't get paid on time. And its not my fault that their employees do n't put paperwork in on time. I am still paying on car and, my monthly payment comes out every XXXX of month now

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am writing to request that the public record listed below ( and attached ) be deleted from my TransUnion credit report because it does not meet the XX/XX/XXXX XXXX  requirements ( PII ) in the Enhanced Public Records Standards. For a public record to remain on a credit report it must have the mandatory information of Name, Address, Date of Birth and/or Social Security Number. This tax lien doesnt include either a DOB or a full SSN ( only 4 digits are provided ). I filed a dispute directly with TransUnion but they didnt seem to be aware of the enhanced public record requirements so it remains on my credit report even though it does not belong to me. As a result, I respectfully request that the CFPB inform TransUnion that this public record needs to be removed from my credit report. 
Federal Tax Lien Account # : XXXX Date Filed:XX/XX/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 11/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied for Citi ThankYou Premier Card in XXXX XXXX, 2017 with promotional offer of XXXX bonus points for spending {$4000.00} within 3 months of account opening. 
After successfully fulfilling the offer, Citi did not provide XXXX points.

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 11-12-2015 about Consumer Loan (Vehicle loan) with TMX Finance LLC (TN).
Issue: Managing the loan or lease

Complaint: We have a loan at Titlemax here in XXXX Tennessee we never been late we did have our pay day moved because we only get pay on the XXXX. This month I went to make a payment the loan is in my wife name we have XXXX loans on her car I make XXXX payment she makes the other. This month however as I went to make a payment they had moved and would n't take a debit card payment I do n't carry cash with me. So I made the statement I do n't carry cash and I will try to get back one day that week to make a payment. The XXXX guy who claims to be a manger said I had until Wednesday to make the payment I said once again I will be back one day this week again he said you have until Wednesday to make a payment I ask him than what you going to take the car throw me in jail beat me up. He never would say what would happen he was just a XXXX finally I told him if he came and took the car I would sued his XXXX. I walked outside to leave he follow me out and told me not to come back that XXXX could come and make a payment I told him we both made the payment and he did n't have to be just a XXXX. I call Corporate finally and the district manager called me back and he said I had 31 days being late before they could come and get the car. My wife finally went and made a payment and the guy told her I was cussing in front of customers. That is a lie from XXXX there was no customers or they was invisible ever XXXX else the employees was out to lunch but XXXX guy, I will tell him to his face he is a XXXX liar he bully me threaten me and cuss me out he had no right to do this. 

The car finance is in XXXX name XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 05/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CAVALRY INVESTMENTS, LLC (WV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was sued in Magistrate court by a XXXX party collection company that supposedly bought the debt from the original lender. The original lender has had my credit report purged of this debt after they researched the debt. The Debt collection company has refused to do so and filed suit. They have been asked several times to provide original loan documents, last payment info, and papers showing that they actually " own '' the debt. The last time they were asked was a court order for discovery and they did not produce the paperwork before the hearing on XX/XX/2015. The Magistrate dismissed the case due to the lack of evidence on their part and the fact they did not produce any discovery as directed. The company, Calvary SPV I LLC, will not recognize the fact that the original lender has forgiven the debt and sent a letter to all XXXX major credit bureaus to purge the debt from my records. The lack of discovery at the hearing is the crux of this complaint as the company has never produced any documentation during this process. Even though the current suit has been dismissed, I am sure they will appeal or ask for the court to reconsider as they have in the past ( the XXXX time was dismissed because they did not show up for the hearing ). They do not even have the correct bank listed as the original debtor on the court documents and this might be part of why they can not produce the correct records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-01-2015 about Debt collection (Federal student loan) with GC Services Limited Partnership (NY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Prior to any wage garnishment, debt collectors need to send the debtor a summons so they 're aware of their right to dispute the debt in court. 

In order to send such summons, they must notify me not only by mail but in person, per New York state lawXXXXNo such notification was made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-08-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (MA).
Issue: Loan servicing, payments, escrow account

Complaint: I am seeking to have the PMI on my home removed, and after consulting a local real estate professional about the value of my home, I paid NationStar Mortgage {$450.00} fee to have my home appraised. The company took the fee and ordered an appraiser that lives XXXX miles away to perform the appraisal on my property. His opinion of value was $ XXXX $ XXXX less than the range given to me by one of the most successful real estate professionals in my city. I believe that the appraiser lacked sufficient geographic competence to perform the appraisal, and submitted a dispute to NationStar outlining this. I submitted that dispute on XXXX XXXX. I have received no resolution. None. I have spoken to multiple call center reps, including XXXX XXXX and XXXX XXXX. I have asked for their manager, XXXX XXXX, to contact me on numerous occasions, and have never received a call. I have contacted them at least 6-7 times and they are either incapable or unwilling to provide me with any answers. I have a perfect payment history with NationStar and all of the companies that owned this mortgage before them. I believe this behavior is unacceptable. I think they ordered an appraiser that was more likely to produce a report favorable to the mortgage company than to the homeowner. I believe this to be deceptive and unfair. I have contacted them on numerous occasions and given them every opportunity to respond in ANY fashion to my dispute and the follow up inquiries. They have not done so. I believe that they have an obligation to respond to formal written disputes that they have not held up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I contacted XXXX XXXX, Equifax , XXXX, and XXXX in reference to XXXX XXXX XXXX XXXX report that I was 30 days late in the month of XXXX XXXX and XXXX XXXX. The car was paid off and sold in XXXX. The automated system states they have no information for an account with my social security number. I have called and spoke to the office of the president numerous times and they continued to give me the wrong information. I spoke to XXXX ID # XXXX who refused to give me his information. I requested he fax a letter showing the car was paid off in XXXX. XXXX ID # XXXX stated that they received payment in full via money Gram XXXX/XXXX/XXXX. At the time I was paying the car off the payoff information was wrong per office of the president. They are reporting conflicting information with Equifax , XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (NC).
Issue: Managing the loan or lease

Complaint: My bank mailed a check to Wells Fargo on XXXX/XXXX/15. I have confirmation and can send you an image of it. Wells Fargo claims the mail did not arrive until XX/XX/2015. The payment was due on XXXX/XXXX/15. Wells Fargo charged me {$38.00} for a late payment and will not waive the charge.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-01-2016 about Credit card () with SYNCHRONY FINANCIAL (GA).
Issue: Forbearance / Workout plans

Complaint: Synchrony Bank previously GE Retail Bank now is the financing company for Lowe 's, and HH Gregg. I made an unemployment claim back in 2013 to now have Synchrony Bank state that I did not have card coverage. I had both card for more than 20 years. I can not say how terrible this made me feel and how hard this is for this retail giant. I have these account that I paid on time over the years. I now need your assistance I know I was sold the card service to only have these companies report a Collection Balance when this is a Unemployment claim from XXXX that should have paid both these accounts off. Now that they are Synchrony Bank I am told I did not have coverage this can not be true as long as I had these cards. I need your help to investigate and resolve this for me.

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 11/25/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (PA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I purchased replacement parts for my Sears stove via telephone from XXXX because the website was not loading. I used my Sears store credit card for this purchase which totaled {$210.00}. After the purchase, I contacted Sears credit card customer services and asked if this amount was eligible for a 6 month promo. The rep put me on hold to check if this was possible, and came back to the phone call and said yes, she would put this purchase on a 6 month promo. She read to me all the terms and conditions, i.e., interest would accrue, if I do n't pay it off in 6 months the interest would be charged, etc. I then advised her that I currently have another 6 month promo on this card, and wanted to make sure as I make my payments, the payments would be applied to the promo that ends first, and she said yes. Based on our conversations, when the call ended I was certain that this purchase had been placed on the promo we discussed. However, today, I get an emailed letter from Sears credit services, saying that a " request '' was submitted to apply the promo to that purchase, and they will review the request and get back to me in 2 billing cycles.

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