milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-05-2018 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: They reporting account that can't prove my original signature. Have not hear back from them. And sent them a 609 form. XXXX XXXX 3 times and XXXX XXXX XXXX that I did not even apply for inquiry

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 Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: TransUnion is reporting that I have foreclosure which I never had

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CO).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: I cancelled my account with XXXX XXXX in the spring of 2017 over the phone, I did not record the call. I have not received any correspondence from them since until this week, when a new bill arrived with XXXX in new charges. 

I called and was told this was a renewal fee, and they refused to remove the charge from my account. I have told them I refuse to pay, and they have refused to remove the charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2017 about Money transfer, virtual currency, or money service (Refund anticipation check) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Fraud or scam

Complaint: The consumer finance website or XXXX posted false feedback for XXXX. I suspect false representation.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (Private student loan debt) with WESTERN CONTROL SERVICES, INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have a balance " apparently '' with Western Control Service. They 're a Debt collecting company for XXXX XXXX. This school ended up closing in 2016 for fraudulent reasonings.
I have since recently started monitoring my credit through XXXX XXXX. I see that they have this collection outstanding on me.
My first call to them was in the beginning of this year sometime to get them to validate/reduce/remove anything due to me not knowing about XXXX taking out a private loan on me, along with a federal student loan.
My last call to Western Control Service was Wednesday XX/XX/XXXX at around XXXX.
I asked them what I received for this balance and if they could provide me validation I ever signed for it.
They stated they did n't have that and could not provide it to me.
I asked how I can get this removed and the representative stated either pay it or get a lawyer.
I said well I may have to get a lawyer then, and he said okay well we can no longer talk to you about this account only your attorney. Even though I did n't get a lawyer and really do n't want to have to.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: For more than one year I have been trying to get my private student loans " holder '' XXXX, now current Know as " Navient '', to reduce payments on my account. I tried asking them to allow a reasonable payment, due to other federal loans in which I have to pay. I thought all was well with the agreement, based off what the representative told me was reasonable, and so the XXXX payment was made. I later received a call, requesting a larger payment on the account than what I can afford. Not being able to come to a reasonable agreement with the managers or supervisors of " Navient '', XXXX, has lead me to become in default with making payments. They refused to accepts the payments on the agreement that was made. I know I have debt collectors calling me at all hours of the day and evening demanding payoff 's that I can not afford. They collectors advised me to ask friends and family for and large amount of money that he clearly stated he knew I could not afford. I asked him why would he ask me if he clearly knew I did n't have this kind of money and he changed the subject. He reverted the subject back to the contract and terms of repayment. I kept asking him if monthly payments was an options until we both got frustrated. I really do not know what to do and need some assistance. I really do not understand how a resolution can come about, if both parties can not come to a reasonable agreement. I tried explaining my financial situations, health issues I encounter and so forth, but there was no compassion or empathy to try and come up with a fair and reasonable solution.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: DEAR SIRS DIRECTOR AND RESEARCHERS CFPB US FEDERAL AGENCY XXXXXXXX XXXX XXXX GREATER OF AGE AND NATIONALIZED IN THIS GREAT COUNTRY- I WANT TO NOTIFY THAT POTENTIAL SUSPECTS COME XXXX WITH MY ACCOUNT OF TDBANK-XXXX. EXTORTION-IF I DO NOT LET ME REMOVE MY LAPTOPS.XXXX APPEAR TO BE EMPLOYEES OF XXXX XXXX XXXX BECAUSE SOMETIMES I LEAVE IN MY LAPTOP THE HOUR OF XXXX XXXX CALIFORNIA FOR EXAMPLE IN XXXX, ARE XXXX BUT IT APPEARS TO ME THAT ARE THE XXXX XXXX XXXX ... THE OTHER IS A XXXX  OF XXXX XXXX XXXX XXXX WHO SEEMS TO LIVE IN XXXX XXXX OR XXXX. HE IS XXXX AS A XXXX XXXX ... AND THEY ARE COMING XXXX BULLYING FOR XXXX XXXX XXXX XXXX IN XXXX AND XXXX XXXX IN XXXX, XXXX SAY THAT THEY ARE GOING TO LEAVE ME WITHOUT CELLULAR WITHOUT LAPTOPS WITHOUT TELEVISION ... AND WITH MY CONDITION OF HEALTH THAT I AM COMING BATTLING TO CURE ME <THEY SAY THAT THEY ARE GOING TO XXXX XXXX, RETURN ME MAD AND MAKE ME RETURN MY XXXX XXXX. EMOTIONAL XXXX. XXXX XXXX MY LAPTOPS HAVE BEEN HACKED BY THEM AND MY ELECTRONIC MAILS USED TO ENTER COMPLICATED SITES THE BULLYING IS THAT YOU HAVE BEEN USING MY DEBIT CARD TO PURCHASE XXXX ELECTRONIC OR FILAMENT PARTS. THE BULLYING HOME XX/XX/2016 TO PRESENT ... ..THEY SAY THAT I LOSE TIME BECAUSE THEY ARE WELL HIDDEN. AND IT FASCINATES YOU TO COGER MY LAPTOPS OF DAY OF NIGHT OF XXXX SO I RECEIVE WITH XXXX AND XXXX MAKING RETURN THE XXXX XXXX ... ONE OF ITS PURPOSES. 

THEY HAVE ALMOST BEEN PURCHASING WITH MY CARD ON XXXX I NEVER PURCHASED OR PURCHASED PRODUCTS TO XXXX. PLEASE SEE RECORDS XXXX I ASK YOU TO RETURN ME {$29.00} WHAT IS THE ONLY THING I CAN NOT APPROVE THE ASSISTANT OF CURRENT ACCOUNTS ( SEE CLAIM ) AND ATTACHED PROOF.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/29/2015 about Debt collection (Payday loan) with Executive Acquisitions Group, LLC (FL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: On XXXX XXXX, 2015 XXXX XXXX called indicating that I owe XXXX XXXX XXXX an amount over {$500.00}. I asked where did he get that figure from and he said it 's allegedly what I owe plus fees. He further indicated that I committed fraud and that Ace will pursue me if I did n't make a payment that day. I asked him to clarify what he meant by pursue and he said that ACE would levy my bank accounts and paychecks. I mistakenly made a payment without researching his company which he failed to mention at the beginning of the call. He said I could settle the account by paying {$270.00} and I asked for an email stating that the account is resolved and that there would be no further obligation. I called back on XXXX XXXX because I had n't received the email. He said he would have his administrator send it in that moment. That e-mail never showed which is when I became suspicious. The number he called from was unlisted. I called XXXX and was told I allegedly owe {$250.00}, they had no idea who XXXX ( entity listed as taking the payment ) is and that a company called XXXX XXXX is handling the case but it could also be resolved on their website. I called my card company to start a chargeback and the company has refused to reverse the payment from XXXX attempts so far. I have been getting calls since then from XXXX XXXX which are saved to my voicemail. He XXXX stated I need to tell my sister there 's a problem with the payment. My sister has nothing to do with this situation. In the second call he says there 's an attempt for a chargeback to call back. Today XXXX XXXX, the number he calls from shows up on my caller ID as Executive Acquisition and when I look up the number it 's a cell phone. This time he says " they are going to press charges because you gave them a fake checking account and you committed fraud ''. This is indefinitely a false accusation. He does n't even say XXXX so who is he referring to when he says they? In addition, he fails to say his name or where he 's calling from but I recognize his voice because he 's the only person who 's been calling. At this point I do n't know who this company is or who they are representing. I 've also seen other complaints about all three of the above mentioned companies with the exception of XXXX. I want my {$270.00} back and will deal with XXXX directly. I need help to stop these people and get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (SD).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: The " decline of application '' states that " the credit card previleges on my existing account ( s ) are currently restricted '' I DO NOT HAVE ANY EXISTING ACCOUNT ( S ) WITH THEM.

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 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: After months of back and forth and no verification provided all medical from merchants credit had been deleted I even provided a letter from them saying it would send notice to delete to credit bureau .... in XXXX XXXX said accounts were deleted NOW THEY HAVE REAPPEARED WITH NO NOTICE ... written notice nor verification ... this is against the FAIR CREDIT REPORTING ACT which clearly states you can not do that without notification nor can you reinsert previously deleted items

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2017 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (WI).
Issue: Struggling to pay mortgage

Complaint: I am not a professional and am not an underwriter and am at the mercy of the mortgage assistance specialist with Flagstar to best direct me and stay on top of follow ups to help me COMPLETE a package for mortgage assistance. Ive been forced to file for bankruptcy to allow them the time to be able to assist me and again they are refusing to help me prevent this foreclosure due to some deadline date they are escalating with this avoidable foreclosure. I have tried BK and nothing they continue to neglect helping me in preventing the foreclosure.

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 10/23/2017 about Mortgage (Other type of mortgage) with BAYVIEW LOAN SERVICING, LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I applied for a loan modification with Bayview Loan Servicing. I did this after my loan was transferred from XXXX XXXX XXXX. When it was with XXXX XXXX XXXX I was told that a modification at 5.125 % over 40 years would be acceptable. This was sent to us in a report. I sent in the appropriate documentation whereupon XXXX XXXX XXXX transferred the loan to Bayview Loan Servicing in XXXX/XXXX of 2017. 
Bayview took in all the documentation and said we 'd be getting a modification only to turn around and tell me that my request was denied based on " the investor '' This loan, among others qualified for the settlement between XXXX, the investor and XXXX XXXX XXXX, the master servicer which stated that all of these types of loans need to have a modification applied to them. 
My payment jumped over {$1500.00} this month to now over {$7100.00} per month. As I am XXXX years old, I have no way to deal with this. When the loan originated I could afford the payments but my income was not substantiated. This has gone on for nearly a year between my dealing with XXXX XXXX XXXX and Bayview.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MA).
Issue: Account opening, closing, or management

Complaint: To Whom It May Concern : I opened a Citigold account with Citibank in XXXX XXXX after receiving offer code XXXX in the mail for XXXX Thank You Points to be awarded after making two bill payments in two consecutive months. I was notified on XXXX/XXXX/XXXX that I was qualified and enrolled in the offer ( correspondence attached ). I contacted Citibank on XXXX/XXXX/XXXX, several months after meeting the requirements, because I had not yet received my Thank You Points. The customer service representative quoted another promotion, XXXX, for XXXX Thank You Points ( correspondence attached ). An inquiry was opened to determine whether I qualified for either promotion. I followed up again on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX and was told the investigation was ongoing ( correspondence attached ). Finally, on XXXX/XXXX/XXXX I contacted Citi for a final time and was told that a letter was sent electronically on XXXX/XXXX/XXXX that I did not qualify for the offer. I did not receive a copy of this, despite checking online per the customer service representative ( correspondence attached ). A notification was never received by me. 

I want to thank the CFPB for representing customers in this unfortunate situation. Citibank has been incredibly disappointing, and I do not intend to continue doing business with them unless this can be 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 monetary relief
Consumer complaint received 01/19/2017 about Debt collection (I do not know) with The Regional Adjustment Bureau, Incorporated (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX of the Regional Adjustment Bureau XXXX has left messages with every extension on the directory that she is attempting to contact me to collect a debt. I have no idea who this person or company is or what they are trying to collect. She has been told repeatedly to quit calling this number. She was very rude and kept telling me to give her my birthdate and social security number. That is not going to happen. Please have her cease and desist.

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 05/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Between XXXX XXXX, became a victim of ID Theft. My purse was stolen in XXXX and in XXXX, I was informed by XXXX that they had a breach in security which compromised my personal information and that someone had purchased a mobile phone from XXXX and opened an account. In XXXX XXXX I requested my credit report and I found the following items that do not belong to me and should not be reporting against me. 
I informed Trans Union credit bureau of the accounts and the circumstances. I submitted a complaint to the FTC regarding the ID Theft ; submitted the FTC complaint to the creditors and the Credit Bureau in XXXX XXXX with a letter outlining my circumstances again. I made further contact with the bureau in XXXX XXXX and asked that the accounts be deleted. As per the consumer Act, it has past 30 days in fact, it has been over 120 days since I requested full validation and written documentation to show Contractual Agreement and where the accounts were opened in order to verify that these accounts are not mine. 
XXXX XXXX XXXX Credit Card Acct # XXXX {$850.00} XXXX XXXX XXXX XXXX Acct # XXXX {$1700.00} XXXX Acct # XXXX {$700.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2017 about Debt collection (Non-federal student loan) with CB1, Inc. (MT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I have 4 accounts that are past 7 years old and a collections co took out a rit on me and says I still need to pay. They even said they were going to garnish my wages. it has been past 7 years. Can they do this?

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: DiTech Financial is claiming that we 've missed XXXX payments and are proceeding with foreclosure as of XXXX ... .we have NEVER missed a payment. We have talked to them, went through all our payment history, continue to make payments, we are a nervous wreck and do n't know what to do ... we have all the documentation and proof of payment ...

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 08-03-2017 about Mortgage (Conventional home mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Trouble during payment process

Complaint: I have a mortgage with Caliber Home Loan. I have an automatic recurring payment set up so my payments are automatically made XXXX of every month. This XX/XX/XXXX, I changed my recurring payment to twice a month because my salary is paid twice a month. Since interests are calculated with daily accrual, I thought it would save some money. However, Caliber held on to the payment that was made on XX/XX/XXXX and applied the payment with the next payment on the XXXX of the following month. I was surprised by that and I thought that was an inefficient use of cash. So in XX/XX/XXXX, I changed the automatic payment back to once a month expecting it would either make a payment on XX/XX/XXXX or make two payments in XX/XX/XXXX and start making one payments per month from XX/XX/XXXX. However, it skipped XX/XX/XXXX 's payment entirely and made one payment in XX/XX/XXXX. As a result, I was charged with a late fee and potentially I will see a delinquency on my credit report. This is insane. I paid the delinquent amount back immediately on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Debt collection (Medical) with CREDICO. INC (SD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: A medical bill was sold to a collections agency and they are charging over 45 % interest for one month on their first bill to me. 

My original bill was from an emergency room visit for my son who was in an ATV collision on XX/XX/XXXX. Payments were made monthly of what I could afford. The debt was sold to Credit Collections Bureau on XX/XX/XXXX. The bill I received from the Credit Collections Bureau stated that I had a balance principal of {$1200.00} and an interest charge of {$570.00} for the one month that they had the debt. My mother, spoke to the collections agency and offered to pay the bill of {$1200.00} and {$19.00} interest at 18 % of the principal for one month. They refused the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Student loan (Non-federal student loan) with LOAN TO LEARN (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: School : XXXX UniversityLocation : XXXX, NCMy father was paying off XXXX of my Loan To Learn student loans until his passing in 2012. I have another Loan To Learn account that I pay monthly and that is still in good standing. Loan To Learn sent the loan my father had been paying into default and sold the loan to a lawyer in XXXX, NC without my knowledge. I was never made aware of this in any way until I ordered a free credit report and discovered a delinquent loan on my record. I called Loan To Learn thinking it was a mistake. It was n't. I told the customer service rep that the lawyer who Loan To Learn sold my loan to had never contacted me and I did not understand how this was legal. She said I could try sending my dad 's death certificate to the lawyer to see if he would " work with me ''. 

The customer service rep then gave me the lawyer 's contact information ( XXXX in XXXX, NC ). I called XXXX XXXX XXXX and explained my situation to the man on the phone, and then asked how much I would need to pay monthly. He laughed and replied, " Make me an offer. '' I offered to pay {$350.00} a month. He replied saying " they '' originally wanted {$500.00} a month. I asked him who " they '' were and he said XXXX. 

I said I could n't afford to pay {$500.00} a month on top of my other student loan bills, and he said to email his office my father 's death certificate to see if that would help. I obtained my father 's death certificate and emailed it to XXXX XXXX XXXX. A woman named XXXX responded to my email writing that the client declines my offer and requests {$400.00} a month, and asked if I could accept the counteroffer. I responded that I could not pay that amount each month. I then requested a written validation of the debt for my records. 

XXXX XXXX XXXX then sent me a letter saying that they will recommend that their client file suit if payment is not received within the next 30 days. The letter stated that " every legal step necessary will be exercised in order to collect this debt, including execution by the sheriff should judgement be rendered. '' They also began calling me at work. 

I replied again via email and said I could not pay {$400.00} a month, and have not heard from XXXX XXXX XXXX since then. 

I just want to pay my student loan at a reasonable monthly rate. This situation has wrecked my credit score, and I did n't even realize it was happening until I ordered a credit report. I do n't think asking for a monthly payment lower than {$400.00} is unreasonable. 

If I had never ordered a credit report and consequently reached out to Loan To Learn, I would have never known they sold my loan to XXXX XXXX XXXX. I 've made every effort to be proactive and pay my loan to no avail.

Company response to consumer: Closed with explanation