milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/16/2016 about Debt collection (Auto) with Synergetic Communication Inc (MD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: First The say The original creditor was a company called XXXX or XXXX. Have never had any kind of loan through either of the companies. I have never signed with either of them. The letter states " This debt is too old for you to be sued on it in court as the statute of limitations has expired, and you ca n't be required to pay it through a lawsuit. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Problems when you are unable to pay

Complaint: 24 % interest rate high pmts refuses to help when i try and talk to someone refuses to allow me to speak with collections calls XXXX or more times a day when asked to stop very rude and demanding money has repo order on car even after i pay whst i can

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Payday loan, title loan, or personal loan (Installment loan) with M&T BANK CORPORATION (NY).
Issue: Problem when making payments

Complaint: On XXXX of XXXX I asked for my installment loan from M & T to be deferred by 2 months which was for XXXX XXXX and XXXX XXXX. I was approved for the extension and my next intstallment payment was pushed to XXXX XXXX. After I got approved I did n't follow up til XXXX when I realized the payment for XXXX was late, so I decided to call them and the rep stated that I was suppose to sign a document to confirm the extension which I were never informed about. That 's when I learned that the payment was late and passed 30 days. I called to complain and they stated that it was my mistake but the extension still was processed and my late fees were waived. I tried to get the late payment removed but they denied it twice, but I have proof of the payment extension agreement and still I was denied.

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 06/22/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX cent Unauthorized inquiry this is my second dispute. I requested this company validate or prove I authorized this inquiry with my signature no proof ever was sent to me and inquiry was never validated showing my authorization over the pass 60 days. I need to this reinvestigated and actual proof of validation sent to me showing were I authorized this inquiry or remove inquiry from my Equifax credit report

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (FL).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: Reward dollars were available when TD Bank cancelled the card for inactivity. I called customer service numerous times to initiate a change of address, with no success. I also called customer service, both the credit card service and the rewards service, several times to have my rewards ( {$110.00} XXXX transferred to my brokerage account where they would receive an additional XXXX % bonus totalling XXXX {$120.00} XXXX. Although I received an email ( attached XXXX indicating this had been done, the funds never showed up in my XXXX XXXX brokerage account. I have written to TD Bank headquarters about this matter but have never received any reply.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/13/2017 about Debt collection (I do not know) with EQUIFAX, INC. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have been trying to work with All the Credit Bureaus for a long time i have followed the law and it states that they have to come back with proof or delete the things on my credit and they are not working well at all with me. I am honestly tired of them doing this to me. They are really abusing the system on not working well with me and not following the law.

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Rash Curtis and Associates (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: complaint about Rash Curtis & AssociatesI had no clue what this account was back in XX/XX/XXXX .... I was contact by a company XXXX XXXX XXXX and was told i had XXXX accounts with home plus and was over {$3000.00} not knowing what this was but was trying to clean my credit i paid there settlement o XXXX releasing me from these account and they said they would report to all XXXX credit bureaus. I have been fighting to get theses off my credit I made a few phone calls and got know where. rash curtis just gives me the runaround and cant provide any documentation. now there re-reporting and changing the dates from XX/XX/XXXX to XX/XX/XXXX?? i have a documents to prove this was paid and that they contentiously are change how they report on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Debt collection (Medical) with Patient Account Services, LLC (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have had to go to the local XXXX for XXXX and then when I had received E-Coli, I did not have the money to pay the bills. After continuous calls from patient billing services, they have sent my collections to debt collectors.

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 04-04-2018 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I opened account with a promise of promo bonus of {$220.00} for having direct deposits to my account and never got it.

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 07-02-2015 about Debt collection (Credit card) with The CBE Group, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: It started with one company saying I owe a debt. I spoke to them. The company insisted that I owed. After that with this company XXXX other companies are saying similar things. I am trying to get answers but no company will take NO! for an answer. It has been XXXX year and I still get these same companies calling everyday. So I just try not picking up. The companies are : CBE GROUP XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX : 90 days past due XX/XX/XXXX, 120 days XX/XX/XXXX, 150 days XX/XX/XXXX XXXX : 90 days past due XX/XX/XXXX, 120 days XX/XX/XXXX, 150 days XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

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 11-07-2016 about Mortgage (FHA mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (GA).
Issue: Loan servicing, payments, escrow account

Complaint: This is an additional complaint to the previous XXXX. I already a confirmation number. My account was reported to XXXX on XXXX XXXX, 2016 as increase of {$540.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 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: I paid off the account in XXXX and when I received my most recent reports, they are now reporting me late in XXXX on a closed account! 

I have repeatedly asked them in writing to report accurately or remove the accounts but they just seem to ignore me and their responses on the credit report say " they verified that the account belongs to me & reported me 90 days late 3 months in XXXX ''. I never asked them to verify if it was my account, I asked them to remove the late payments in XXXX on an account that was PAID & CLOSED in XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Describe what happened so we can understand the issue ... 
Summary : I am demanding that Experian remove XXXX XXXX account XXXX from my credit report. Instead Experian is ignoring the will of the court and placing undue burden on me by demanding I have a lawyer contact them in writing demanding removal of the account. 

Details : Experian is publishing a XXXX Revolving Line of Credit account ( ending in XXXX ) that XXXX Count District Court ruled on XXXX XXXX 2016 was not my responsibility. In addition I was awarded {$5000.00} in consequential damages for the continued reporting of that account by XXXX XXXX ( reference attached XXXX County District Court case number XXXX ). Experian received proper notice of the case in XX/XX/XXXX and proper notice of the court findings and judgment on XXXX XXXX. Experian has failed to take action or acknowledge receipt of the findings and judgment. Despite proper legal notification of the court finding that I am not responsible for this account Experian has not removed the account from my credit report. It is my understanding that consumer credit bureaus are obligated to respond to dispute requests. I am filing this complaint because I believe Experian is attempting to improperly avoiding it 's legal communication and reporting obligations.

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 12/16/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Deposits and withdrawals

Complaint: Citizens Bank put a hold on funds deposited for a check that was deposited at an ATM on Saturday night, XXXX until Tuesday, XXXX. The check cleared the payer 's bank on Tuesday, XXXX, but Citizens Bank continued to hold the funds. The check was for less than {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Closing/Cancelling account

Complaint: I have been attempting to cancel an XXXX XXXX credit card administered through Bank of America to no avail. I tried to cancel XXXX by writing a letter but that did not work. I returned the credit card but two months latter I was sent a new XXXX. I did not activate the new card but was sent an annual bill for which I did not pay. Now B of A is billing me interest on the annual bill for the non-activated credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint: Keep getting phone calls from a company wanting to lower my interest rates on credit cards for wells Fargo Chase XXXX XXXX XXXX XXXX XXXX XXXX. I do not have any credit cards. Also was called wanting to take out an extensive warranty on a car I do not own. How do I resolve these issues?

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 11-03-2015 about Debt collection (Medical) with Herbert P. Sears Co., Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I noticed this debt on my credit report. The debt is XXXX and the company is forcing me to pay a much larger amount. They refuse to offer me a settlement when I am trying to make good on this debt.

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 02/16/2018 about Student loan (Federal student loan servicing) with NELNET, INC. (MO).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Reached out to company regarding a loan forgiveness program. Provided all requested documents. Company is stating that I need to provide documents in analtered format to qualify for the program. Already provided lawful documents according to application and have fax confirmation of transaction. Company is attempting to bypass paperwork and make me responsible for remaining student loan of XXXX, instead of forgiving loan according to the law. Additional fax confirmation sent on XX/XX/XXXX to XXXX XXXX of Missouri Attorney General Office to speak on consumers behalf - XXXX Nelnet.SSDI recipient and forwarded to Department of Justice Disability Rights Section/Intake Unit. Letter Dated XX/XX/XXXX Advises to reach out to DOJ ADA Information Line for any additionalconcerns, per XXXX XXXX, Director of Intake Unit, DIsability RIghts Secition - XXXX. Company is allowing a disparate impact to take place among disabled individuals due to their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Closing/Cancelling account

Complaint: American Express cancelled my cards after falling behind XXXX days on one of them - My Business Rewards Gold Card. I consider my business my business and not my personal account. On XXXX XXXX, 2015 AMEX issued a letter stating my account had not been closed and provided me a reservation number to pay my account by XXXX/XXXX/15 to prevent further action. I called AMEX on XX/XX/XXXX, spoke with XXXX in Account Services, and was advised I could make the payment on XXXX/XXXX/15 as indicated in the letter. I arranged to debit my bank account on XXXX/XXXX/15 for the balance due in full of {$2200.00}. During this conversation, I was transferred to Membership Rewards and then was advised my account was already closed ( XXXX/XXXX/15 ). I asked regarding my membership rewards points and was advised my account would be reviewed for reinstatement. I have been seeking credit for over XXXX rewards points since XXXX, 2015 and have been unsuccessful ( see attached error message ). I found that AMEX later cancelled my personal card ( XXXX ) as of XXXX/XXXX/15 but failed to advise me. I spoke with AMEX on XXXX/XXXX/15 to confirm the payment was credited and the XXXX XXXX account was in good standing ( with XXXX XXXX ). This payment was confirmed by my bank and the reinstatement process was initiated. I later noticed on XXXX/XXXX/15 my personal card ( XXXX ) was being declined. It appears both of my AMEX cards were cancelled by account services. AMEX states I would need to pay a {$25.00} reinstatement fee and that is the only way to get credit or use my membership rewards points. Every conversation with AMEX gives a different story and we continue to disagree. I am looking for my rewards that I earned and should be able to use within XXXX days of cancellation. I hope you can find this complaint in line with others and take the necessary action to see that others do not experience this. Today I have been transferred over XXXX times, talked over and I am told my cards were closed due to " holistic '' reasons. What is that suppose to mean? I reached out to the executive offices and spoke with XXXX XXXX and his explanation was this is a holistic approach to account management. I am seeking that my accounts remain closed per my request, and any negative reporting be removed from my credit bureau reports, a letter of credit reference be issued to me for each account, my rewards points be honored and reinstated at no charge to me. If the can not honor the rewards points without reinstatement, I am unwilling to pay the {$25.00} fee per card. I have paid all late fees in full and never been late on my personal AMEX ( XXXX ) account. I would estimate the XXXX MR points to be at around $ XXXX-XXXX in value noted below. Please contact me if you have any questions. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I did not authorize this car dealer to pull my credit for credit purposes. I specifically went in to purchase a vehicle cash basis and salesperson knew this fact. He had no reason or authority to pull my credit report. He advised me he needed my social security number for purposes of  DMV  title and transfers documentation but should have never pulled my credit.      XXXX  OF  XXXX  via  XXXX  OF  XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Requested On :  XXXX / XXXX /   2016  Inquiry Type : Individual Permissible Purpose : CREDIT TRANSACTION

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I feel that I have been making monthly payments and my principal has just been increasing exponentially even though I am making interest payments and they have confirmed some goes to principal. I stopped making payments about XXXX months ago because they automatically kicked me out of a low-income program and said I have to reapply. How am I supposed to save and apply for a home one day if my loans keep growing ... XXXX of them went from XXXX to XXXX. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: 10 years ago, I had a pre-paid credit card ( re-paid {$300.00} ) with XXXX XXXX. I purchased a text book for about {$150.00}. XXXX XXXX ended up buying out XXXX XXXX and told me they do not do pre-paid credit cards and charged me ridiculous amounts for what they considered a regular credit card. Today, years later, they still will not drop off of my credit report and claim I owe them {$750.00} for the textbook I bought with my pre-paid credit card through XXXX XXXX. They keep selling my debt to new creditors so it will not fall off. I believe this is fraud, and if it is legal, I would like an explanation on how they can do this. I am trying to rent a house, but no one will rent to me with this on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 previously disputed this item with  XXXX   XXXX   XXXX  back in  XXXX   XXXX  and it did not get resolved ; Once I let  XXXX   XXXX   XXXX  go because it did not get resolved I took over resolving my credit issues and reading up on FCRA and Privacy Laws. On  XXXX   XXXX ,  XXXX , I disputed my bankruptcy that is being reported on my Experian  Credit File a nd it came back verified immediately, but they did not supply any information that I requested in the letter. I resubmitted another letter on  XXXX   XXXX ,  XXXX , this time I submitted a letter from th e U.S. B ankruptcy court along with my original letter plus an additional letter stating they do not report to credit bureaus. I sent a certified letter which they received on  XXXX   XXXX ,  XXXX  stating the FCRA regulation for Sectio  n 623 ( a ) ( 5 ) -- stated below.
Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.
( 1 ) The information was not verified because of the letter I received   from the bankruptcy court on  XXXX   XXXX .  ( 2 )  I submitted a Security Freeze oon my  XXXX  Consumer File Case No.  XXXX  that was confirmed on  XXXX   XXXX ,  XXXX  by mail. I have not lifted that Security Freeze so therefore it was not verified.     When I spoke with the representative at Experian they informed me everything was verified and accurate on  both Bankrupties Chapter   XXXX  that was dismissed and Chapter  XXXX  that wa s discharged. I do n't understand how they were verified when noone at the courts verified and there is a S ecurity Freeze in place.     I have attached all documentation showing such information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2016 about Debt collection (I do not know) with I.C. System, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent several request to this company asking for removal of this debt if they can not provide me my signature as required by the law. They have answered by mail with a bill but refused to provide a validation of this debt by showing me a signature proving it belongs to me. They are violating the law by not providing me my signature as per my wirtten request

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