milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/29/2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Rewards

Complaint: I was solicted ( in XXXX XXXX ) through the XXXX Mail by Citi Card to participate in a promotion to sign up for the XXXX program, a company with which I have an airlines sky miles account. The promotion offered XXXX miles in return for using the card to make {$1000.00} in purchases over the next 3 months after approval. I applied online and was approved for the card. I made the purchases of over {$1000.00} dollars during my first month but the miles did not appear in my XXXX account. When I called CitiCard on XXXX/XXXX/XXXX to inquire about why my miles had not been added to my XXXX account I was told I was not eligible for the promotion because I had previously had an account with Citi in the past 24 months that had been cancelled. CitiCard knew this information when they sent me the solicitation. Citi Card did not inform me when I signed up and was approved for the card that I would not be eligible for the promotion. They XXXX let me spend money on the card knowing that I would not be eligible for the promotion. I believe this Citi Card " come on '' offering promotions knowing full well they will not award the the promised award is both a deceptive and fraudulent business practice and that Citi Card should be held accountable. Had Citi Card notified me that I would not be eligible for their promotion ( they did not ), I would not have signed up for the new account but would have instead used my XXXX credit card. They are deserving of my business. Citi Card is not. I have cancelled my Citi Card account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I requested to have the XXXX XXXX Bank trade removed from all CRAs. 

XXXX Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
I have received no documentation with my signature that this is my account. Violates my rights under FCRA. Please remove this fraudulent trade from all CRAs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/25/2017 about Debt collection (Private student loan debt) with SIMM Associates, Inc. (IN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Representative from company continues to call after several requests from myself and spouse to quit calling. I have asked for a letter of proof of debt and who the owner of the debt is and never received it.   They tell us it is a federal student loan when in fact it is a private student loan and they are threatening " federal repercussions ''.   They have called my spouses employer several times and claimed to my wife that I gave permission to do so. I did not give permission nor do I know how to contact her employer.   I have asked to come to a reasonable payment agreement assuming such debt is actually owed and am continually asked to pay full amount as the only option.   I am tired of the oppressive calls which to my knowledge are breaking both federal and Indiana law.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Debt collection (Credit card debt) with ZWICKER & ASSOCIATES (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I was behind on all of my bills and needed to fix my credit card issue. I had recently moved into a new home and things needed to be done, one of those things was a fence for my yard because my dog ran out and got hit by a car and XXXX. So I contacted XXXX XXXX XXXX for help, I thought finally I can rest because I thought they were going to handle everything,They first told me to STOP making my payments and change my address and phone number to theirs, So that is what I did and this eventually wound up to XXXX sending all of the info to XXXX XXXX XXXX and I didnt know anything about it and I thought it was being handles until I was served with lawsuit papers. I even called XXXX and asked that they place this account ahead of my other accounts and they told me they would need $XXXX more, So thats what I gave them in addition to my regular payment so they can get this resolved. Needless to say they never resolved it and it got turned over to a law firm named Zwicker and associates. I made payment plans with them That were automatically taken out of $XXXX bi-weekly. I was never told that I had to contact them again to set up more payments. I thought this was already taken care of as I set this up with Zwicker for an auto deduction, I looked online at the XXXX XXXX   court records yesterday XX/XX/18 and found that they were placing a lien on my bank account and never notified me by phone or mail that I had to set up payments again or that they were placing a lien on my account.I called and tried to get back on a payment plan and they advised me that I could not do this until I had $XXXX for them to even consider taking the lien off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/14/2015 about Debt collection (I do not know) with Cooper Hoffman Klein Associates (NV).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Received a call from XXXX at my work from Cooper Hoffman Klein and Associates. The caller identified himself as being from the XXXX XXXX subpeona processing department. He said to avoid a warrant and arrest I had to make immediate arrangements with him. I asked for proof of debt. His response was that he is representing an arbitration firm and is not a debt collector. He said he did n't have to abide by rules that debt collectors must follow. He repeatedly threatened me with subpeona and arrest for fraud, that this was my last chance to avoid prosecution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AK).
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: In XX/XX/XXXX, I sent certified letters ( that were signed for ) to all three credit reporting companies stating that information on my reports was incorrect. I didn't hear back at all from two of the agencies, and XXXX   only seemed to update some inconsequential/irrelevant information on my report that I had not requested to be revised. My complaint to the companies was based upon a student loan for {$1400.00} that I received from XXXX XXXX XXXX in XX/XX/XXXX. The account first went delinquent in XX/XX/XXXX and was then sold to XXXX/XXXX XXXX on XX/XX/XXXX. This collection agency informed me that I absolutely had to sign up for its rehabilitation program, which required a down-payment of approximately {$150.00}, plus monthly payments of {$50.00} ; I was repeatedly told that paying the account in full would substantially hurt my credit, but that signing up for the rehabilitation program would actually earn me good credit. I paid this agency through the program for approximately one year before the account went delinquent in XX/XX/XXXX ( see attachments ). The loan was then sold multiple times over the next few years, with substantial ( considering the amount of the original loan ) fees tacked on. Throughout that time period, I made inconsistently made numerous payments, but I struggled due to the fact that my loan had been sold so many times, and because I had to have new credit cards issued on three occasions due to fraud or lost cards ( because these " rehabilitation programs '' required that I sign up for an auto-pay with a credit card number, yet that number changed repeatedly, payments were declined on multiple occasions. The loan finally ended up with the XXXX XXXX XXXX XXXX  in XX/XX/XXXX, in the amount of {$2800.00}. 

This shows up as an adverse account on my credit report because the loan was sold multiple times. Per 605 - 15 U.S.C. 1681c ( a ), no consumer reporting agency may make any consumer report containing accounts placed for collection which antedate the report by more than seven years. I have only ever received the single student loan in my life. Because all of the student loan accounts on my current and former credit reports originate from the same XX/XX/XXXX student loan account through XXXX XXXX XXXX, and because that loan first went delinquent ( and was originally reported negatively in XX/XX/XXXX, which is obviously outside of seven years from today 's date ), these adverse accounts listed on my credit reports should, in my opinion, be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 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: Information belongs to someone else

Complaint: I 'm a victim of identity theft and took information and opened up account   XXXX   XXXX   XXXX   account

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 07-11-2015 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I noticed a late payment mark on my credit report for the month of XXXX 2014 for a payment to XXXX XXXX. I make all my payments on time, as my history will indicate. I believe that somehow my payment did not go through and a glitch caused the nonpayment. My next monthly payment did go through on XXXX XXXX, but it looks like the payment scheduled for XXXX XXXX was already reported as nonpayment. Even if it was an error, i would have expected a courtesy call from my bank, given my long and good history with them, which i did not receive.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have student loans through XXXX XXXX which is now Navient and last year they charged off my private loans due to non payment but still are showing I owe the entire amount and reporting me late to my credit report every month. I do pay a very minimal amount a month and have been for some time. Also the interest rate doubled the original amount I owed from {$60000.00} to {$120000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XXXX  2017, a collection was added to my credit report from CMRE Financial Services , Inc. Additionally, no written communication was sent to me from CMRE about this alleged debt before it was added to my credit report.   XXXX   XXXX  , 2017, I sent CMRE a certified letter informing them that I was unaware of of any outstanding medical debt, to send me debt validation/HIPPA authorization & a copy of my signature with the service provider to release my medical information to them, and to cease credit bureau reporting until the debt has been validated.
In turn, on   XXXX   XXXX  , 2017, a correspondence was sent to me from CMRE stating " we have your disputed notification, but we are unable to conclude an investigation as we have not received sufficient information to substantiate the basis of your dispute. '' CMRE has not, as requested, provided me with full documentation of what they have received from the provider of service in connection with this alleged debt, thus violating my rights under FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (NV).
Issue: Loan servicing, payments, escrow account

Complaint: My loan on my home at XXXX XXXX XXXX XXXX, XXXX XXXX ' XXXX, ID XXXX was with XXXX. They sold the loan to XXXX, which went out of business without notification to whom they had sold the loan. XXXX pocketed some of the payments before becoming insolvent. XXXX XXXX XXXX said they had purchased the loan and had XXXX different balances, which varied by {$30000.00}. Then they sold the loan to XXXX XXXX which in turn sold the loan to Nationstar. After long negotiations Nationstar hasoffered XXXX trial payments of {$1500.00} with no further detail about what they are offering. 
This is exactly what XXXX did before they closed their doors. I maintain that these maneuvers are illegal and the loan balance of over {$310000.00} is ridiculous and illegal,

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2016 about Debt collection (I do not know) with The CMI Group, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company was found on my credit report and I did not receive any 30 day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/22/2016 about Consumer Loan (Title loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MO).
Issue: Lender repossessed or sold the vehicle

Complaint: Today ( XXXX/XXXX/2016 ) My car was repossessed by the loan agency Springleaf Financial after I 've been making payments to them. When I called their corporate office, they kept giving me the run around on things and seemed to not be able to get their own story straight. I am currently XXXX weeks XXXX, I was laid off for 3 months from my old employer after they had found out I was XXXX. I recently was able to get income generated and I explained that to springleaf, they were very inconsiderate, I knew i was behind on payments but I have been doing my best to catch up on my payment, going in to my local office to make payments on weekly basis with whatever money i had even if that meant me not being able to eat for the rest of the week. Everytime I step into the local branch office where I live, the associates are extremely rude and are usually out back smoking and not even at their desks. Springleaf has told me i can only pay cash and I 'm now beginning to wonder if they have been pocketing my hard earned money. I have been told that if I have been paying them money that they should not have been able to repossess my car.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Payday loan () with Mobiloans, LLC (FL).
Issue: Charged fees or interest I didn't expect

Complaint: I applied for a small loan and was accepted for a short term loan. Being military with XXXX credit I anticipated 36 % but found this to be more of a Payday loan. They are trying to classify as line of credit and trying to circumvent the military lending act and service member civil relief act. 
I have contacted them but they refuse to waver which is putting myself in financial hardship.

Company response to consumer: Untimely response
Consumer complaint received 12-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Earlier this year after making my complaint about paying on line alleging the practice was unfair and discriminatory towards people on XXXX and retirees XXXX XXXX falsely reported my loan balance in an amount that was higher than what I actually owed them. After having no resolve with then I disputed the amount with the credit bureaus and submitted evidence ( my mortgage statement ) that my balance was not what XXXX XXXX was reporting .... The credit bureaus corrected the balance. as of XXXX of 2016. a couple months later I noticed that XXXX XXXX was not reporting my payments after that. I notified them of the problem but never got any real resolve. I had spoken with them on a few occasions about it however here we are 6 months later they are still not reporting my payments and the reduced principal balance. I have recently taken the initiative to report it myself by sending in statements of over the last 6 months showing the payments made and the reduced balance. It is my belief the actions of XXXX XXXX  XXXX XXXX is retaliatory for my alleging what I then and now consider a discriminatory practice toward people who are on fixed incomes such as XXXX, ssi or retired because their online payment system penalizes people who do n't pay their bills on or before the first of the month due to being on a fixed income and I expressed offense when a representative suggested I pay an extra payment in order to avoid a {$5.00} charge to pay my bill on time online and I called the charge a late fee. I was refused proper direction as well when asked how to properly file a complaint regarding both matters

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have disputed the federal tax lien on my credit report with all XXXX agencies. Experian has removed the file from record but XXXX and XXXX refuse to remove the lien even after i have given then written proof of its dismissal. I have enclosed a copy of the Certificate of Release that is on file with the XXXX County Recorder. I would appreciate any help in removing this from my credit file for good.

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 10/31/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account is on my credit report is more than 10 years old and Experian refuses to delete. 

XXXX Address : XXXX XXXX XXXX XXXX, MN XXXX XXXX Account Number : 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 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX I made an attempt to remove a number of inquiries from my transunion credit profile I did not authorize the companies below to perform. They refused to remove them. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - 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 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I received my credit report from Equifax and found that n my personal Information there is an inaccuracies with my last name and address. My last name was spelt wrongly as XXXX XXXX instead it should be XXXX XXXX is the correct spellings. it need to be updated or removed. And also I never had a post office box address so this XXXX XXXX XXXX, XXXX, GA XXXX should be removed from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief