milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2018 about Student loan (Federal student loan servicing) with TRANSWORLD SYSTEMS INC (MA).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: XXXX XXXX XXXX is failing to provide me with monthly statements of my account. They claim that because I'm " fulfilling my monthly obligations '' ( making my payments on time ) that they do not provide billing statements. 

About a month ago I asked that they provide me with a statement each month regardless of account status. I also made sure that they have the correct contact information. 

It is critical that I receive monthly statements. I've been paying extra each month and I need to be able to make sure that the payments are being applied correctly. 

I've asked for copies of the past three months of statements, and they told me that they are unable to give me these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (PA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I have  a Sears citibank cred it card in which I purchased  XXXX  worth of appliances In the meantime years later my balance did n't seem to go down I was just thinking it was at a high interest rate so needless to say I researched my bills and come to find out I was being charged for an " account care '' thing so I called them to cancel it and ask when I signed up for this and I wanted proof because I did n't recall ever signing up for this, So after back and forth they refunded my account for 6 months of payments for this account care fee with no interest Of course I was n't happy because pretty much all the money on my credit card is pretty much ALL THE FEES PLUS INTEREST from these fees But they ended up finally sending me where I signed for it Well I looked at this and the paragraph for the agreement for the credit card was  XXXX  sentences and the paragraph for this ACCOUNT CARE thing was huge I know I probably thought it was part of the application I found this to be VERY MISLEADING ESPECIALLY since it was done on a machine in the store I 'm sure each screen came up at different times But I feel as I was taken advantage of.. This should not be on the application it should be an option that should be mailed to you after the fact to read and understand..In the meantime I have  XXXX  of dollars I have to pay back in fees and interest And on top of that my payment is over  XXXX  a month I feel very mislead

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 06/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XX/XX/XXXX, I sent a letter to XXXX XXXX XXXX  ( see attached supporting documents ) expressing the errors they continuously keep reporting to the credit bureaus on my credit report. On XX/XX/XXXX, I sent them a second letter stating that it has been over 30 days and I received and reviewed my credit reports. I informed XXXX XXXXXXXX XXXX that they had failed to place my ( 2 ) accounts in a " disputed '' status which is required by the FCRA and the FDCPA. I informed them that due to them not correcting the information, AND by them failing to place the required comments on the accounts, the information was inaccurate, incomplete, and represented a very serious error in their reporting. I ask for XXXX XXXX to correct their error by removing the accounts. On XX/XX/XXXX, I received a reply from XXXX XXXX stating that since they are not a " debt collector '' they are not defined by the FDCPA and did not have to place the remakes or comply with my request. On XX/XX/XXXX, I sent a 3rd letter to XXXX XXXX once again explaining their error, expressing the serious nature of it, and also that they are an original creditor that are bound by both laws ( FCRA and FDCPA ). I further explained, even if they were not bound by FDCPA, the violation I am stating is based on the FCRA. On XX/XX/XXXX, XXXX XXXX XXXX sent me ( 2 ) letter that were an exact copy of the first two,  basically stated they did not have to correct the error because they do not fall under the FDCPA. These ( 2 ) account has cause me great financial lost in the recent past in the form of higher interest rates on my refinance. I have paid each account off as requested by XXXXXXXX XXXX XXXX in the recent past. XXXX XXXX still failed to change each account to a " closed '' status and failed to report the correct information, as promise to the me and the CFPB in a written letter. Why do I have to continue to suffer due to mistakes made on their behave. XXXX XXXX was made whole when they wrote the debt off, and made additional money when they sold the accounts to a collection agency, which I them paid. I do n't understand why they should be allowed to be " Bullies '' when they are paid, and I am only trying to move forward in life.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have XXXX loans from XX/XX/XXXX that were transferred for refinance XX/XX/XXXX which are showing on my credit reports as each having XXXX missed payments, which never happened. I contacted the original lender XXXX XXXX XXXX XXXX, which was XXXX XXXX now XXXX and they stated they are not reporting. I would like these removed from my all XXXX credit reporting bureaus as this is both inaccurate and over 10 years old.

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 04-04-2016 about Debt collection (Credit card) with Stenger & Stenger, P.C (CO).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I am being sued by a debt collection agency called Stenger & Stenger out of XXXX XXXX, XXXX. For background purposes, I lived in XXXX from XX/XX/XXXX until XX/XX/XXXX when I moved to XXXX, XXXX. XX/XX/XXXX, I had entered into the credit card contract with XXXX XXXX XXXX while living in XXXX, and any charges made on that account would have been made in XXXX. According to Stenger & Stenger, they state that the last payment I made on the account was XXXX XXXX, XXXX. XXXX has a 4 year Statute of Limitations on these types of debts/written contracts, so the SOL for this issue ran out on XXXX XXXX, XXXX. Despite knowing this, Stenger & Stenger are now trying to sue me for the outstanding amount as well as their legal fees and 8 % interest on the balance ... even though the SOL has been expired for nearly one full year. I would like to point at that since the original contract for the account was signed and entered into in the state of XXXX, this contract has nothing to do with the state of XXXX and the 6 year SOL in XXXX can not be applied against me just because I moved to this state. This is backed by XXXX 'Borrowing Statute ' XXXX Rev. Stat 13-80-110 " If a cause of action arises in another state or territory or in a foreign country and, by the laws thereof, an action thereon can not be maintained in that state, territory, or foreign country by reason of lapse of time, the cause of action shall no be maintained in this state ''. 

Stenger & Stenger is supposedly a " Professional Law Corporation '', so they should know the laws set forth in the states in which they conduct business, which I 'm sure that they do, but are banking on the fact that the people they are bullying do not and will hopefully collapse under the weight of their intimidation tactics. The fact they KNOW that the SOL has already come and gone, yet they continue to prey on me, someone who is less educated in the ways of the law and force me to spend/waste ample of amounts of time and money that I do not have, to defend myself on a frivolous claim they know will not stand up in the court of law is egregious and disgraceful. Stenger & Stenger and companies like them, need to be punished for their actions and have more stringent laws and guidelines placed on them so as not to fill the courts with these frivolous lawsuits.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Plus Inc (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2017 about Debt collection (Medical) with BCA Financial Services, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: bca financial has XXXX accounts listed on my XXXX report that i have no knowledge of and have never recieved a dunning notice on. i sent them a letter 2 monthes ago requesting validation but never recieved a response

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (WA).
Issue: Loan servicing, payments, escrow account

Complaint: based on document received from chase mortgage servicing unit aka as XXXX mortgages in XXXX Ohio XXXX Ohio chase whistleblower employees have been sending me documents relating to violations of uscfpb regulations regarding mortgage loan transfers from XXXX chase to jp morgan chase bank as well as copies of forged documents for oh XXXX to use in a fraudulent foreclosure after manufacturing defaults by not applying payments. now they and district manager XXXX of XXXX wa XXXX XXXX chase bank district manager have discovered XXXX of dollars on these documents being reversed and illegal fraudulent transactions and in chase computer that are being laundered through my mortgage escrow account calling them mortgage misapplication reversals and then applying them to unapplied funds and elsewhere. now they discovered the charging of property preservation disbursements to my mortgage account which only takes place if the owner is not taking care of the property and or a foreclosure. neither of which is true in m case. this conduct is consistent with the occ sanctioning chase mortgage servicing management for failure to comply with the national mortgage settlements and is consistent with chase bank now being a XXXX by the u.s. dept of justice Attorney General XXXX XXXX. it is time for the uscfpb and occ to gets its examiners into chase and start auditing my mortgage loan numbers of which there are XXXX and my escorw accounts as in cash accounting and all mortgages in loss mitigation which is chase euphemism foreclosure mill run by XXXX XXXX s.v.p and XXXX XXXX ceo of chase mortgage banking. we need cash accounting of which there is none in chase mortgage servicing to stockholders or homeowners. these practices violate the consumer protection law federal mortgage escrow accounting act. I have been complaining about chase escrow dept for five years. chase employees have erased all escrow information on my chase mortgage website and have not issued a detailed escrow transaction statement since 2010. the online transaction listing is a fake since it does not have an y internal misapplication reversals on it. no display of unapplied payments and no display of property preservation disbursements. the whole mortgage is a fraud the escrow is a fraud and I have docs from chase that may show my mortgage servicing is just a money laundering operation to steal my escrow funds and mortgage payments.and then XXXX them to XXXX as the occ has charged chase and XXXX XXXX of doing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: On multiple occasions I have disputed information with Equifax and recently I have put in writing as I have on multiple occasions asking to be provided with whatever documentation they are receiving from the creditor that is verifying the information and during my last call with them acknowledge receiving such information but said they do n't have to comply in so many words I 've requested many things of them in writing and each and everytime they say they do n't have to provide it to myself.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. (NY).
Issue: Making/receiving payments, sending money

Complaint: I recently have been using PayPal to pay for XXXX rides I made while in XXXX XXXX. I realized on Monday, XXXX XXXX, that I was using the incorrect bank account. I placed a call to PayPal explaining to them my error and providing them with the correct bank account ( which they already had on file as a secondary payment source ). I was assured by the agent I spoke with that the change was made and that my incorrect bank account would be removed from their records and no longer charged. 

I incurred NSF fees with my bank due to the first few transactions before XXXX XXXX that were my error. I took care of these charges with my bank and assumed I was in the clear. Since XX/XX/XXXX, when I was told this bank account was removed from PayPals records, I have been charged 19 more times and, thus, incurred 19 more NSF fees of {$37.00} each. I have been to my bank multiple times hoping to at least minimize the damage on my end and they are unable to close my account while it is in a negative balance and I 'm unwilling to pay {$700.00} because of PayPal 's error. 

Since XXXX XXXX I have spoke with upward of XXXX people from PayPal, many with a different explanation, each assuring me the bank account would be removed and not charged any more. As of this morning, XXXX XXXX, it is still being charged. 

From the very beginning I begged and pleaded to get something in writing from PayPal 's customer service department verifying this. I was n't able to receive an email from them until Wednesday, XXXX XXXX, assuring me that there would be no more charges but I spoke to customer service MULTIPLE times before then. 

I 'm able to provide all documentation supporting my case including screenshots of my bank account showing all of the charges along with NSF fees. I am looking to recover the {$700.00} in fees I have incurred so that I can pay my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Mortgage (FHA mortgage) with Lending Solutions Mortgage/ LSI Mortgage (MO).
Issue: Settlement process and costs

Complaint: I bought a house XX/XX/2015 and had my mortgage through LSI. Through out the process so many concerns and problems happened. My first concern was that they sent me XXXX different closing disclosures with XXXX different interest rates and closing cost. We did not close on time bc they were not ready. I had to pay the mortgage of the house I was buying for a month to keep the contract as we didnt close on time. At time of closing apparently the title company did not receive all needed information and they also left out information required in their documents to the title company. Their was personal heartache involved as my mother was literally given 3 weeks to live during this and I was in another city with her ; I flew back on the originally close date to find out when I landed that we could not close that day- they knew the day before and still had me come and I missed 3 days with my mom bc of it! 
So these are my complaints, let me know if you can do anything.

Company response to consumer: Untimely response
Consumer complaint received 10-02-2017 about Payday loan, title loan, or personal loan (Payday loan) with GVA Holdings, LLC (PA).
Issue: Charged fees or interest you didn't expect

Complaint: I took out a loan on XX/XX/XXXX2017. Interest rate is 786 % I have paid 7 payments of {$220.00} biweekly. The finance charge is {$1800.00} on {$750.00} loan. Total amount I will pay for this loan is {$2600.00}. I feel this is too much interest. I still have 5 more payments.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Credit card () with CITIBANK, N.A. (OK).
Issue: Privacy

Complaint: Last week I used my CITI card to pay for care for a cat at the XXXX XXXX XXXX XXXX ( XXXX ). On Monday, I received another bill from the hospital in a different ( and slightly higher ) amount. What confused me was that the second bill indicated that I had n't paid anything on my account. So, I went to the CITI website and found that, indeed, I had paid them. What shocked me was that, in addition to the amount they had said I owed, there was a pending charge of {$430.00}. I can only assume that this fraudulent charge was placed on my credit card to insure that I paid the second bill. I wish to lodge a complaint, not against the credit card company who responded quickly to my complaint, but against the XXXX XXXX XXXX XXXX for using my credit card without my permission.

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 10-03-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (MS).
Issue: Other

Complaint: * My reports continue to incorrectly show me XXXX past due in XXXX XXXX and they will not correct. 
* My XXXX report also incorrectly shows me XXXX past due in XXXX XXXX and XXXX XXXX but I do not have bank records that old to prove. 
* My XXXX report continues to show unauthorized hard FIA hard inquiries on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they will not remove. 
* Attaching letter dated XXXX/XXXX/XXXX requesting correction of these items including supporting documents. 
* As of XXXX/XXXX/XXXX, I have not received a response to my XXXX/XXXX/XXXX letter. 
* Finally, this account is reported as a " Flexible Spending Credit Card '' on all reports when it is a simple credit card. 
* REQUEST : Please help me get these items corrected or removed from my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (DC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed ( an ) unknown individual ( s ) access to all of the identifying financial information of almost every adult American, myself included. 

The US needs a new, better way to manage credit. Having three credit bureaus control this information is ridiculous and the problems that will come from this leak will be disastrous.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: this account with XXXX XXXX XXXXE account number XXXX Date Opened XXXX/XXXX/2013 was never Past due 30 days six times or more late at any point please help e resolve this issue

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 07/13/2016 about Credit reporting () with Experian Information Solutions Inc. (AL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because EXPERIAN has ingored my request to provided me with the documents that their company has on file that was used to verify the accounts i disputed.Being that they have gone past the 30 day mark and can not verifiy these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to ... promptly delete all information which can not be verified.that i have disputed.Please resolve this manner as soon as possible.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 03-10-2017 about Credit card () with DISCOVER BANK (FL).
Issue: Customer service / Customer relations

Complaint: In XX/XX/XXXX, I purchased a laptop on XXXX, using XXXX, and the purchased was funded through my Discover Credit Card. I had a warranty issue with the laptop, but I was not able to contact the original merchant. I started a Purchase Protection Claim, and was never informed I was out of the date range for the claim to be valid until XX/XX/XXXX. After no contact from Discover, I issued a chargeback through Discover, and they did an investigation. They asked that I return the item per XXXX 's request, and provide proof of return. I did so on XX/XX/XXXX, at XXXX. I had called Discover at around XXXX the same day to confirm the adress was correct with the representative, asking if this was the required step to move forward - she confirmed both. A month later, I was then informed that I was outside of the range of time, and that nothing could be done about the missing money or laptop sent back at their request. I 've spoken with their executive resolution department, and was told the charge was valid and that their investigation showed no such request to mail the laptop back, which is not true, as reviewing the call from XX/XX/XXXX ( and a week prior ) should confirm. 

I have also put in a complaint with the BBB ( unresolved ), and the Florida Attorney General.

Company response to consumer: Closed with explanation