milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I initiated a dispute of highly inaccurate information on my credit report on XXXX XXXX, 2015. Since then I have sent over XXXX letters to the credit bureaus to have them do their role and investigate and remove these inaccurate accounts. Nothing has been done and they claim that they verified the following accounts. I know this is a lie, because I am the alleged debtor and the debtor has n't even verified with me that the debt is properly validated. Pursuant to the Fair Credit Reporting Act the credit bureaus must verify with the furnisher of information on record. This has not been done. Please assist me because my family and I are trying to achieve the american dream of home ownership and the credit bureaus lack of response and irresponsibility is keeping my family from achieving this. The following below are the account numbers that are in question. I have also included the last XXXX letters that have been sent over. 

XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (IL).
Issue: Account opening, closing, or management

Complaint: I signed-up for a citigold XXXX XXXX promo, met the terms, and yet was not awarded the miles because, after the fact, I was told by citi that I am ineligible because I did n't receive a targeted offer. Correct, I did not get a targeted mail offer but I did confirm with citi that I was going to get the promo miles when talking to them during the opening of the account and during the qualifying period. I believe that the promo code was XXXX. Now when I follow-up via chat and on the phone their stock answer was that I had to have been targeted so I 'm not going to get the miles. I 've been getting charged a $ XXXXmonth fee to keep the account open while I 've been waiting to get my promo miles provided.

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 09/16/2015 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NY).
Issue: Managing the loan or lease

Complaint: I am requesting that a lien to be removed from my car and title. I was never told when I financed the vehicle that there was a lien or that it was a rental car. After I received my title 3 months into my finance I noted a lienholder on my car. After further investigation from car faxes this lien is from the original owner and was taken back by Ally financial who Auctioned the car to the dealership I financed it from less than a month from my finance. I talked to the FDIC who stated I am not responsible for this lien and if after contacting both the lienholder who happens to also be the financial company of my used car finance and dealership that I could not get it removed, to contact you and make a complaint. The representative from FDIC I spoke with stated the seller is to satisfy the lien on the used car I purchased from them before I financed it

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2013 Ocwen Loan Servicing , LLC took over managing my loan accounts on the property I own on XXXX Texas XXXX. 
Since that time they 've been claiming I either did n't make my mortgage payments or I 've been late paying them by one, two or even three months, this have been going on ever since they took over my loan accounts till now, so not only they 've been reporting to all credit reporting companies I 've been late in payment which has resulted in damaging my credit also I.ve been charged additional interest on my loans, because even they receive my payment checks they do n't apply them to my accounts and call the payments suspense payments, they 're still doing the same thing even I 've talk to over XXXX people there about this problem nothing has been done about it till now, that 's why I am complaining about this company and hoping you can help me resolve this problem. 
They even have raised my principal balance on XXXX of my loans by over {$3000.00} that means they 're collecting more interest on my loan. My original loan was {$25000.00} eight years ago now they say my principal balance is {$26000.00} as of today.

Company response to consumer: Closed
Consumer complaint received 07/21/2015 about Consumer Loan (Vehicle loan) with AMERICAN HONDA FINANCE CORP (FL).
Issue: Problems when you are unable to pay

Complaint: I WAS CHARGED A HIGHER INTEREST RATE BY HONDA FINANCIAL SERVICES BECAUSE I AM XXXX AND WAS DISCRIMINATED AGAINST AND WAS ALSO CHARGED GAP INSURANCE WITHOUT MY CONSENT AND TOLD I HAD TO HAVE IT IF I WANTED THE CAR. THIS ALL HAPPENED AT XXXX XXXX OF XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 disputed inaccurate information on my credit report with Experian. Experian responded and claimed they had investigated the information and verified the information was accurate? They advised me to contact the reporting company directly, which I did. The company in question is XXXX XXXX XXXX. I spoke with billing department supervisor XXXX XXXX on XXXX/XXXX/XXXX, and was advised that they have NO record of EVER speaking to anyone at Experian regarding my account. Furthermore after reviewing my account the supervisor advised me the amount owe is not what the three major credit reporting companies are reporting. I asked for documentation to show them that they are reporting false information and the supervisor walked me through on how to get my statement online, ( I will be attaching that with this complaint ). Experian never investigated so it 's clear they are willfully reporting false information on my report. Experian claims I have a balance with XXXX for {$11000.00}. My account statement will show that 's incorrect.

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 03-09-2018 about Debt collection (I do not know) with SCOTT FETZER FINANCIAL GROUP INC (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Receive letter on XX/XX/2018 telling me that I've been reported to the credit bureaus about a late payment on an account I can not recognize. This letter came from, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, Kentucky XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Medical debt) with Commonwealth Financial Systems, Inc. (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I noticed a debt in collections on my credit report, back in  XXXX . The medical bill does n't belong to me and I have not had an medical visits around that time. I then disputed the charges to all credit agencies. All three agencies held investigations, all three then concluded the charges were incorrect. I then contacted Commonwealth financial the creditor to inform them of the mistake. They agreed in  XXXX , after conducting their own investigations. But are now still knowingly reporting false debts on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Student loan (Non-federal student loan) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I am writing to express my dissatisfaction with American Education Services. I have been out of college since XX/XX/XXXX and have been making monthly loan payments since my deferment ended in XX/XX/XXXX. Never once have I been late with a payment. Additionally, I have a steady job as a high school teacher and adjunct professor in conjunction with great credit. However, every couple of months the interest on these loans increase. I have called American Education Services several times to discuss this issue, but they claim there is nothing that they can do. If the interest continues to increase every couple of months as it has been for the past year, I 'm afraid I will no longer be able to afford my monthly payments. Also, because the interest is so high, I have barely made a dent in paying off my remaining debt. According to my last statement, I have paid a total of {$7600.00}. However, {$5300.00} went towards the interest. That is just unfair. This is a pattern that I do not see ending, and it must. Otherwise, I will drown completely in debt along with many other college graduates. American Education Services must be stopped from committing such highway robbery. It is with great hope that CFPB will take action against American Education Services in order to allow college grads the opportunity to live debt-free.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I filed bankruptcy in  XXXX   XXXX . My bankruptcy was  discharged   XXXX   XXXX . I am in the process of buying a home and I frequently check my credit report. On Friday  XXXX / XXXX / XXXX  there were  XXXX  collections totaling just over {$14000.00} on my credit report from a company called Transworld Systems INC. I called not understanding why this was just simply placed on my credit report and no one would answer my ques tions. They referred me to a lawyer who stated he did not have my student loan accounts. When I called Transworld back and asked for them to show me validation of these loans they have been unwilling to do so and they are unwilling to take off of my credit report. They can not tell me where the loans originat ed from or show copies of my promissory note. They did not warn me with calls or letters stating that I had anything in default so I could attempt to pay it before it went to collections. They do state that they have my correct address and phone number. I need help with this immediately due to this could potentially stop the purchase of my home. I have always paid my student loans and simply want a chance to pay them without a default but I have not been given that opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2016 about Debt collection (Medical) with Receivable Management Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: someone stole my identity information and used it to create several accounts that i have protested because they are fraudulent I have a police report with the information as well as had to report to the ftc id theft affidavit notarized but this company is reporting this on my credit and trying to collect

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Consumer Loan (Vehicle loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Taking out the loan or lease

Complaint: On XXXX/XXXX/XXXX, I requested for a car loan for {$4000.00}. The lender issued me a Personal loan with 26.51 % interest ; but the contract document says it is a Secure loan with the car as collateral. The contract does not say Personal loan anywhere ; but the loan-writer verbally classified it as Personal loan to rationalize the high rate. In practice, I was given a Car loan with Personal loan rate. I requested the lender to modify my interest rate from 26.51 % to 16 % in XXXX XXXX. The lender refused. The lender added additional items ( disability insurance, life insurance, fees, and cash-back ) without clear explanations and wrote a loan of {$4800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TMX Finance LLC (MD).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: One of the employees from debt collection company has contacted me four-time from his personal cell phone to make a payment the first two times i have asked for him not to contact me from his cell phone. He lied and told me it was his company landline I called it back and receive a cell phone voicemail. also looked the number up in the white pages.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Was not offered by my loan provider ( Navient ) income-driven repayment plans and instead of that kept me to choose a forbearance instead which has hurt not only my status of my student loans but the whole idea of student loans and the process in which i barrow.

Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: I took out a loan from Citi Health Card roughly two years ago XX/XX/XXXX. This account was created to pay for an orthodontic treatment and initiated within the doctor 's office. My understanding was that the account was zero interest for a period of 24 months, at which time the account would begin to bear interest at prevailing credit card rates.I made monthly payments on this account up to and including XX/XX/XXXX. My understanding until very recently was that my account was in good standing and payment status was current. However, only after recently pulling my credit report I learned that I had fallen into default status ( 90+ days past due ). As a result, my credit score has been significantly impacted ( decrease from XXXX in XXXX XXXX to XXXX currently ). Additionally, my account balance has increased from {$5400.00} in XXXX XXXX to {$9800.00} as of this week ( as a result of penalties and retroactive application of 30 % interest ). I never received any correspondence of any kind from Citi notifying me of a change in account status, interest rate, or required monthly payment increase. Only after calling Citi proactively did I learn the status of my account ( and only at this point did Citi begin to contact me in an attempt to collect / inform me of the account status - something I wish they had done six months ago when it went into non-current status ). I had the ability to pay this account in full in XX/XX/XXXX. I also should have been notified of the impending change in interest rate and been given the grace period typically allowed for accounts changing status ( and about to incur retroactive application of interest ). 

I have spoken with Citi 's collections/settlement departments in an attempt to settle this account in full ( XXXX XXXX principal balance plus a reasonable amount of interest ). Despite multiple calls, I have been unable to find anyone to work with me on settling this as soon as possible. The lack of notification resulted in penalties and retroactive interest which ballooned into an XXXX % increase of the account balance over six months. This, in my view, is unreasonable, deceptive and predatory. 

I have now paid the account in full under protest ( in order to stop further penalties and interest from accruing and further deterioration of my credit score ).

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 12/17/2016 about Credit card () with BARCLAYS BANK DELAWARE (NY).
Issue: Transaction issue

Complaint: Barclaycard credit card, issued by Barclays Bank Delaware, continuously flags my card for fraud requiring that i contact and spend hours on the phone. After resolving the matter at considerable expense of time on a call to them, and after being reassured that the hold has been removed, I try again to use the card at the same merchant and again the charge is denied and flagged for fraud. Each time that I call I am told that there is nothing that they can do, and more importantly, they refuse to tell me the exact cause for being flagged. At this point the items that were to be purchased for XXXX will not be received on time. Even after escalating to the resolution manager, both times, nothing is resolved.

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 02-09-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (CA).
Issue: Account opening, closing, or management

Complaint: I signed up in branch for the {$400.00} checking account bonus and have fulfilled the requirements for the bonus but have not received the bonus yet. I have called and secure messaged them many times to no avail. I have probably called in over 10 times and they keep stonewalling and escalating to no one. The code was CZPE. 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 03/20/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have federal subsidized and unsubsidized XXXX school loans which were consolidated and are presently serviced by FedLoan Servicing, on behalf of US Dept of Education. I annually recertify my loans under the Public Service Loan Forgiveness program and for Income Based Repayment for partial financial hardship. I am married and have XXXX child ( a daughter ), and my wife and I file our federal and state income tax returns on a separate basis. Based on DOE 's regulatory guidance, the recertification determination under IBR should not need consider the spouse 's financial income or tax information when borrowers are married separate tax filers. However, regardless of this ( which has been orally confirmed by FedLoan representatives ), my most recent recertification application was denied for failure to submit my wife 's income and tax information. The explanation for this as provided by FedLoan was that the form supplied by DOE is defective. I have been advised that I could just say that I " do not have reasonable access to my spouse 's information. '' However this would be a falsehood as we are married, and we reside in the same domicile. This is inequitable and requires a logical, consistent solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/18/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never resided at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. That is a completely foreign area to me.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Please reference Case Number XXXX. Similar Issue but with Equifax. However, Equifax is stating that stating that this item belongs to me. This is an issue with the treatment of inaccurate information pursuant XXXX XXXX XXXX ( XXXX ). Please provide this information to XXXX County pursuant XXXX XXXX XXXX as I 'm currently speaking with them about a motion for stipulation and enforcement of county ordinances to show that this item does n't belong to me. This is the only additional information/step that is not included in Case Number XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (TX).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I had a couple of " late '' payments ( did not go over 30 days ) with XXXX XXXX XXXX To alleviate this problem, I set the account up on auto pay. Supposedly, something was wrong with the form when they received it. Instead of contacting me to let me know this, they did not take the next payment through auto draft, cut my credit line from {$1800.00} to {$500.00}, and reported me to credit! Obviously I am not trying to run from this account -- I tried to set up auto draft, and have always let them know my address changes ( I have moved twice in the last month, three times in the last six months. ) They have my current address on file as always.
Since there were three weeks between them receiving the auto draft form, and the next payment being due, I feel they should have not reported me to credit -- and instead called me and let me know what happened ( that i had left something unchecked on the auto draft form. All it was was the section that states whether I wanted the entire balance deducted, or the minimum payment. 

All of this on a balance of about {$250.00}, with a payment due of about {$25.00}! The account was NOT in collections -- it had just had a couple of payment lapse into the grace period. 
We are professional people, always employed since graduation from college in 1987. We own two homes free and clear, a car free and clear, and not only have no bankruptcies, repos, or foreclosures, we have no slow payments or missed payments except this one, and it should not have happened.

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