milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/30/2016 about Debt collection (Medical) with EQUIFAX, INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Since XX/XX/2016, I have been trying to communicate with XXXX to verify and validate my debts successfully with a contract bearing my signature and they have been unsuccessful in doing so. Note, today is XX/XX/2016 so six months have passed with only a bill statement to show. Recently, i initiated an online dispute with Equifax regarding this debt and they said that the debt was " validated ''. How has the debt been verified and validated? Under the FCRA, a contract bearing my signature has to be supplied, and XXXX does NOT have a contract with me regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have requested the validity of a Chapter XXXX Bankruptcy on a couple occasions as the date of discharge is incorrect as well as the filing information. I have requested in both writing and via email for this to either be updated or removed. I have tried to no avail, therefore, I am reaching out to you guys in hope you can assist in getting this resolved once and for all. 

Thanks in advance for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I had prior filed a complaint with the cfpb against Wells Fargo. I just received an email from my insurance company today that Wells Fargo has reported my property vacant. The property is not vacant and Wells Fargo was told this by me last month on two separate occasions. They stated then they would update their file and nothing further was needed. I feel Wells Fargo now reporting my property as vacant to my insurance company is retaliation for my filing a complaint with the cfbp against them. Their reporting my property vacant could result in my insurance being cancelled resulting in me having to purchase much more expensive insurance. They know my property is not vacant but are trying to cause problems for me by saying it is.

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 02/21/2018 about Payday loan, title loan, or personal loan (Title loan) with Select Management Resources, LLC (TX).
Issue: Struggling to pay your loan

Complaint: I received a XXXX title loan for my XXXX XXXX. One of my family members was XXXX and I took out the loan to help that family member get out of XXXX. My family member got out of jail and didn't pay me back the funds that he assured me that he would return. These same funds were supposed to pay my title loan back. My loan was due on XX/XX/XXXX. ( Today is XX/XX/XXXX ) I've recently been terminated from my job further preventing me from paying my loan. I advised the title loan company that I'd like to just voluntarily surrender my vehicle ( which still runs ) and allow them to redeem the vehicle for whatever it is valued at. My vehicle is currently valued at around {$1200.00} at this point. XXXX XXXX XXXX advised me that they didn't want the vehicle and advised me that if I returned the vehicle then they'd just let it sit in front of the store. I advised the representative that I understood the process and that if there was a remaining balance that I'd try to settle it once the vehicle was sold at auction. The representative confirmed that they didn't want the vehicle because it's in their best interests to allow interest to build up on my account. I advised the representative that once I surrendered my vehicle then the interest should stop accruing to which the rep responded that that's not always true. I advised representative that these are predatory practices. Representative told me that he didn't have anything else to say. Advised representative to cease and desist with calls. Representative told me that Cease and Desist laws doesn't apply to my loan. Representative 's name is XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Brennan & Clark, Ltd., LLC (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: We are a business and receive calls form XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. He has an address for our business that is 10 years old. I asked him to provide documentation for the debt and he said they do not do that and he will file suite if I did not pay immediately and that it would be a criminal case. These people need to be shut down.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-05-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Hello, I have an issue with the credit bureaus reporting incorrect information on my credit files which are damaging my credit scores. I have the proof of inaccurate information being placed on my credit files and I 've disputed with transunion and XXXX and they 've told lies that they ca n't remove it after I 've told them the information is totally incorrect reporting from a creditor XXXX I have attached the following proof from the credit bureau who has the correct information reporting

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 07/26/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: The questions used to verify my identity had nothing to do with me and therefore could not be answered correctly. Because of this I was unable to verify my identity and therefore could not get a copy of my credit report. I am afraid this is because someone has been tampering with my identity as my drivers license and as card were stolen earlier this year.

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 03/20/2018 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (LA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I was behind on a payment on my best buy credit card by less than 30 days I made a payment of {$200.00} on XX/XX/XXXX then on XX/XX/XXXX I paid the balance off of {$560.00} on XX/XX/XXXX I received a email telling me that my account was closed on XX/XX/XXXX. I called Best Buy Credit Card services and spoke with an agent who informed me that I needed to contact XXXX  about my account being closed, upon contacting XXXX the agent went over my credit history and he was not even showing payments to Best Buy Credit he informed me to call Best Buy back as they do not make any decision on my account. I called Best Buy Credit back spoke with an agent she informed me that their decision was final and could not be overturned but I could apply again for credit, I told the agent that I made a payment to bring my account current then a week later I paid off the balance she again said it was nothing they could do, prior to this I had never been late with a payment with them I do not understand as to why my account was closed, so I ask to speak to someone above her she said ok but they will not be able to do anything either once an account is closed all you can do is reapply, the Supervisor comes on the phone and said a decision was made and that no one could reopen the account I could reapply again. Please help me as this is affecting my credit.

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 02-02-2016 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (NY).
Issue: Deposits and withdrawals

Complaint: I received a {$50.00} bill from a Citibank ATM. When I went into the branch location to make change, they confiscated it and told me it may be counterfeit. I thought using my bank atm would be safe. The Citibank assistant manager told me that another company loads the Citibank ATMs and that Citibank was not responsible. I was told it would be sent to secret service for further evaluation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I am a recent graduate from XXXX University in XXXX and I have been trying to stay on top of paying my students loans to maintain and grow my credit. Sallie Mae, their headquarters is located in XXXX, has continuously taken advantage of me because I am a XXXX recent graduate. In the beginning they were not clear about payments fluctuate due to interest rates after graduation. Then their website was not clear about when payments were due. Now they are claiming that I have not made any payments and that I owe over a thousand dollars for XXXX loan, when my cosigner and I have been making consistent monthly payments. The payments are evident on our bank statements as well. This has been going on for far too long. I 've called and have spoken to a number of individuals that work for the institution. They can not take advantage of be because I do not possess economic capital. Additionally, my interests rates are criminal. I took out XXXX loans, XXXX has a 9 % interest rate, the other 8.5 %, and the last one has a 8 % interest rate. Not only did they refuse to consolidate the XXXX they are not clear about how much and when payments are due. My cosigner and I pay and call every single month because there is always a problem with information and how much money is owed. Last time there was a bunch of money left over from early payments on a loan and that was not conveyed at all until I continuously called. I am a recent graduate for XXXXsakes that 's trying to do the right thing by paying my loans on time and I am the process of becoming a teacher. Sallie Mae has place a huge financial burden on my family significantly and has impeded my ability to properly invest in myself and my future. Many families use Sallie Mae to help fund their children 's education and to know that this private loan provider will stoop so low and take advantage of recent graduates that are trying to do they best that they can to pay their loans is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Ability Recovery Services, LLC (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I disputed the information that it was incorrect. The company is reporting the same collection twice, for the same amount increasing the amount of the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX is reporting that I owe them {$280.00} to all XXXX credit reporting agencies ( XXXX, XXXX and Experian ) for account I never open and address did not live. I have attached copy of lease of my residence I lived during the time XXXX claims I had service with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Consumer Loan (Vehicle loan) with TMX Finance LLC (NC).
Issue: Managing the loan or lease

Complaint: I had went to title max in Virginia, and took an loan out on the my 2000 Mitsubishi galant. For only XXXX dollats I have to pay back almost XXXX dollars back. So my friend got into a car accident due to bad weather. I know longer have the car and I told titleax that and to go pik up the car. They refuse tp go pik the car up and keep harrassing me everday about making payments. They told me to go pay for the car that have been sitting at the garage for about a month now. They call from block numbers and differeng numbers everyday and leave voice mail after voice mail.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Mortgage (Conventional fixed mortgage) with Ark-La-Tex Financial Services, LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: I XXXX county school taxes XX/XX/XXXX XX/XX/XXXX.Benchmark has stated to me they had the taxed XX/XX/XXXX. As of today XX/XX/XXXX they are still refusing to release the funds to pay these taxes. There is over {$2600.00} in my escrow account. The taxes are now loaded with the court house with the tax claim department. Benchmark Mortgage has sent a {$20.00} check to get the information released. They are now refusing to call to get the figures for XXXX. I am at a loss trying to get the the funds released to pay the taxes. There is sufficient funds and still they will not release the funds. I have los time at work over this - this has caused so much unnecessary XXXX. Please help me. My property is in tax claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX to even begin on this complaint. This complaint is like many that we have filed against Nationstar over the past XXXX XXXX, filled with servicing and auction fraud fraud that the XXXX either seems unwilling or unable to control in this company. A purchase offer was received on this property in XXXX of XXXX XXXX As per Nationstars protocol, the property was run through its fake auction site. Nationstar had interior photos of the property but refused to show them on their wholly owned auction site XXXX. These photos would have illustrated the interior issues with the property and would have allowed for an informed bidding process by the general public ( which raises real ethical and legal concerns ). It should be no surprise that their auction winner cancelled their purchase after viewing the inside of the property and Nationstar refused to counter the original buyer ( a buyer who had seen the inside of the property prior to making their offer ). As usual, it was made very clear to us that Nationstar was more concerned about earning a 5 % buyers premium on the auction transaction than actually mitigating loss for their investor. After their first buyer ( through their fake auction ) cancelled we asked two questions -- - would you counter the original buyer they answered no and second, would you like pictures of the property to add for the follow on auction -- - once again, they refused to inform the public of known material issues with the property prior to the auction. It should shock no one that there was not a bidder the second time around. Its sad, but they couldnt even get the property address correct on the online bidding platform. Their only remark was to cancel the short sale still refusing to counter the original buyer as they knew that they could now not receive the 5 % buyers premium. <P/>
I realize that some XXXX XXXX from Nationstar will claim that none of what we are saying is true. But for the XXXX to honestly believe that the thousands of mortgage complaints that they have received from consumers about Nationstar are untrue is fantasy at best ( they are actually changing their name later this XXXX as their brand is so tarnished due to continued servicing and origination fraud in hopes of fooling the general public ).

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (VA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: Since XX/XX/XXXX I have been receiving monthly statements at my home address for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX that is not mine. I do not, nor have I ever, had any business with Towne Bank. Here is a history of the attempts I have made to get this corrected : XX/XX/XXXX : Called Cardmember Service at XXXX. Spoke with XXXX and explained what I received. She verified that this was sent to the wrong address and would correct it. XX/XX/XXXX : Called and spoke with XXXX and told her I was still receiving statements, and was very concerned with how this account got associated with my address, and concerned that they hadnt corrected it yet. She consulted with her supervisor and said they would try to contact the customer and get the correct address. She assured me this is not associated with me. XX/XX/XXXX : Called and spoke with XXXX, and explained what was ( still ) going on. She transferred me to supervisor and I was cut off. I called back and spoke to XXXX, who transferred me to her supervisor XXXX ( ID # XXXX ). I explained ( again ) everything that has gone on, and she said she would change the address to the business address. I have received 3 more statements since then ( the latest on XX/XX/XXXX ), and am over calling them to get this resolved. In this day and age of Identity Theft, this really worries me that they can not verify a correct address for a customer, can not get my address removed from the account, nor can they provide me with a positive email or letter to say they have corrected it. They have asked in several of the conversations that I simply disregard and discard the statements. When I requested they send me some sort of confirmation that they had corrected the problem, they said they could not do that. After multiple attempts to get this corrected, and assurances that it would be taken care of, it is clear they are unable or unwilling to follow up and correct this. Whether this is incompetence, laziness, or just complete lack of concern I do not know, but my biggest concern is that if this is their response to my problem, how would they prevent someone from completely stealing my Identity? They already have their statements coming to 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 10/30/2015 about Money transfers (International money transfer) with DISCOVER BANK (VA).
Issue: Money was not available when promised

Complaint: I initiated a wire transfer on XXXX/XXXX/15 through discover bank. I did not receive a receipt for this wire transfer upon payment, and after calling and requesting a receipt, I was told it would take a few business days for them to mail me a receipt, which is in direct violation of terms set forth for a wire by cfbp. The wire has still yet to be received by the recipient, nor has it been refunded to my account. I would like the wire to either be completed or refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have had this account for almost 5 years and they are still reporting late payments from almost 4 years ago will they ever forever me for. Wing late I have been a customer for a while now

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 04/16/2015 about Credit card () with BARCLAYS BANK DELAWARE (IL).
Issue: Billing disputes

Complaint: I was charged for a transaction I did not agree too for a Hotel booking XXXX. A day later, I receive an email stating I did not show for a hotel stay and was liable for {$54.00} in cancellation charges. The hotel then charges me $ XXXX, which does not align with what I was " liable for '' in the email. 

I disagree with the initial charge, and also with the amount that was charged. 

I then contacted Barclays to dispute the charge. I was refunded the amount and told an investigation was open. About a month later, I received a call asking for more information. I provided the requested information to a rather unprofessional, uniformed member of Barclays team who told me I would need to destroy my card and receive a new XXXX, and that the information provided was sufficient to move forward with my dispute. Then, 2 days later and without notice, I see the charge is reversed on my bill and I am now being charged the full $ XXXX ( again, which does not align with what I supposedly owe ). 

Upon contacting a manager, he admits the previous agents fault and lack of professionalism, but refuses to reopen the case or change the amount charge to the previously quoted $ XXXX. This supervisor was rude and very argumentative, and also claimed to waive a fee that I was not charged ( Annual Fee ) to make things right with me, even though I had already cancelled the card and no longer owed the Annual Fee. The deceptive practices of this " supervisor '' was appalling and the unprofessionalism of Barclays as a whole disguising.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief