milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Credit Protection Association has placed a collections item on my credit report. Original Creditor is listed as XXXX XXXX, amount of {$140.00}. Date opened listed as XX/XX/2015. I do not have XXXX XXXX. This is affecting my credit rating negatively and I would like it removed from my credit report.

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 01/21/2016 about Credit card () with DISCOVER BANK (GA).
Issue: Forbearance / Workout plans

Complaint: I contacted Discover credit card regarding my monthly payments. I attempted several time to speak to someone who can assist me in lowering my payments.I first spoke to XXXX who stated that Discover Card can only lower the interest rate to 12 % for a year while my payments would still be {$110.00} month. I explained to her that I was going through hardship and that {$110.00} would not be feasible at this time. She stated, when I opened the account I agreed to make my payments. I stated, that is correct however I am not making the same income as I did when I first opened the account. XXXX stated, that 's the only assistance that Discover can do for me. Later, that evening I contacted Discover card again having to wait 25 minutes before a customer service manager pick up the phone. I spoke to XXXX and explained my situation to her. XXXX told me that my monthly payments would be {$130.00} month with a lower interest rate at 12 % with my card being suspended. I asked to speak to her supervisor but after waiting 10-15 more minutes the phone hung up on me. 
I have been a card holder with Discover since 2006. I am very disappointed in the treatment I have received. I really need some sort of assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: CITIBANK is reporting deformatory information on me, I dont have a copy of this information and it is my right to see it, i recently went to open a checking account and the banker told me citibank is in the system saying i owe them XXXX,,,,,,, well in fact I never received a ''BILL '' from citibank, you see a ''bill '' would define something that you owe, and a ''statement '' does not show what you owe, just a ledger record, also citibank is keeping secret accounting records and will not show them to me, also citibank sold a check that was allegedly bad and claim i owe them for it, THEN WHY THE XXXX DID THEY SELL IT TO A FINANCIAL INSTITUTION IN XXXX OF WHICH I TACKED DOWN THE 15 DIGET NUMBER, they refuse to give back the original instrument with my wet ink signature because they sold it, so therefore what justifies any debt, they are liers and fraudsters and i will be following up with tangible facts of thier crimes, CITIBANK AND ALL BANKS ARE XXXX CRIMINALS, YES THEY ARE, THEY THINK NOBODY KNOWS THIER TRIX,

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 10/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt for internet service that was settled and paid over 6 months ago is still listed on my credit report as a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: To Whom it May Concern : I am writing to update/correct my personal information on file with XXXX, XXXX, and Experian. Please update my address to : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NV XXXX. Please update my name to : XXXX XXXX XXXX. My only social security number is : XXXX My only employer is : XXXX XXXX XXXX. I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report, as they are not deliverable to me by the U.S post office, and they are not reportable as per the FCRA, since they are inaccurate. Thanks, XXXX XXXX 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 non-monetary relief
Consumer complaint received 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI).
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 am writing to file a formal complaint against XXXX  XXXX, regarding my request to provide the Method of Verification ( MOV ) on ( 3 ) accounts listed on my credit report. 
After numerous attempts to amicably resolve this matter, XXXX XXXX has failed to produce any Original Documentations / Contracts with my signature wet-ink on it. 
Theyre failure to adequately ensure and positively verify these accounts have caused tremendous stress, sleepless nights, and inability to eat and most importantly hurt my ability to obtain credit. Enclosed you will find a recap on my communication with TransUnion, dates, certified mail receipts and theyre willful noncompliance and negligent noncompliance responds.

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 03/16/2018 about Debt collection (Credit card debt) with Altisource Portfolio Solutions, S.à r.l. (MN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I was told by XXXX of XXXX XXXX, that they would work with me to get my collections issue off my report on XX/XX/2018. I was asked to send in paperwork, and I sent in the proper paperwork. As soon as I sent in the paperwork XXXX XXXX XXXX XXXX avoided my calls, and not responding to emails.

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 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX CONSUMER ID : XXXX Dear Senior Officer, I, XXXX XXXX, hereby declare that XXXX XXXXXXXX XXXX has defamed my reputation by reporting several accounts. Furthermore, XXXX XXXX XXXX keeps slandering and abusing me. I hope you can righteously restore my reputation and help me recover from this grevious crime committed by this institution by deleting all inquiries and accounts from XXXX XXXX XXXX. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (KY).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have had a credit card with Bank of America ( BOA ) for  years. It has always been set up on an autopay system. Apparently, 10 months ago they change the payment amount and neglected to inform me of this action. I finally received an email from BOA stating my account had been closed and I owed a minimum payment in excess of {$700.00}. Upon inquiry I was apprised of the above information and informed that they had been sending emails to a defunct email account, which has never been a primary. When I inquired as to why they finally sent the information to my operating email account following 10 months of insudfficient payments, they had no explaination. So my account with BOA has been closed for non-payment and I have been charged interest and fees which are unwarranted as I never received notice. They obviously know how to email me, and I have not moved. I find this conduct unconcionable.

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 07/31/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (WA).
Issue: Loan modification,collection,foreclosure

Complaint: The current servicer of my mortgage loan ditect finicial has refused to provide the mortgage servicers number and office or person of contact in the state of hawaii in accordiance with hawaii state law for mortgage servicing companies. Has failed to address issues with mortgage documents. XXXX different sets provided by them to me XXXX with a stamp of XXXX XXXX without. Have failed to provide orginial ink signed documents that would show that the XXXX page arm note isnt forged. They where and have been rude on the phone threatened to hang up. Said that my credit will be damaged and they intend to do so. They have failed to address any concerns I have as borrower. They continue to send bills even though it is in foreclosuer and no acceleration letter was sent in the first place. They have failed to provided me contact information of the lender to this loan. They have failed to provided if there is even a lender. That they should contact XXXX and address that a trustee foreclosing on the property is not proper as a trustee is not a lender and cant provided or attempt an alternative remmeedy to foreclosurer. Have failed to discuss by phone or in person what alternative solutions there moght be and what those entale as to credit score, pay back, pentalties, ect. That sending paper work to fill out after XXXX doing the same. That they have the ability if the loan is paid off to give me free and clear title not just someone saying that o yeah we can but actuall proof. They never have provided notice of interest rate increase and reason or proof to why it has increased but they have just raised it. Continued slander and deffermation to my character, credit score and worthiness, and abolity to aquire normall living standards due to the impact of this forecloser and credit reporting of deliquency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: 1. TransUnion 2. XXXX 3. XXXX The/XXXX  I 'm authorized XXXX XXXX is primary account I  am an authorized user on these accounts or cards and you still have n't place them on my credit file. I would like for you to immediately place the accounts on my credit report please. The card user contacted you several times and authorized me on the cards for all 3 bureaus but you never performed the task by placing me on the accounts why is it taking long. 

TransUnion and XXXX accounts not reporting : 1. TheXXXX Opened XXXX XXXX balance is {$2100.00} 2. XXXX XXXX opened XXXX/XXXX/XXXX {$3300.00} reports on the XXXX of the month good standing on all of my payments current last payment XXXX XXXX. XXXX XXXX accounts not reporting 1. XXXX XXXX Opened XXXX/XXXX/XXXX {$3300.00} reports on the XXXX of the month good standing on all my payments current good standing. Last payment XXXX XXXX, 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 12/19/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On XXXX/XXXX/2017 I had {$1.00} cents in my account and on the XXXX, XXXX submitted a payment request to the bank. With out my consent the bank went along and received it, and since then until now they have been accepting this request from XXXX after i called XXXX and payed with my XXXX XXXX card and they took out the money, now the bank being they acceptedthe XXXX  request, XXXX XXXX has returned my monies so the bank continues to received the request for {$53.00} and continues to take out monies {$35.00} since that day until now and has left my account on a negative balance for {$100.00}. 
I called XXXX and they said they have not send the request in, because it shows paid on the account, i have spoken since the beginning with the bank and to no avail, i am not responsibllle for the banks server errors, and my proof shows that my account with XXXX has been paid by bank. Now why do they continue to charge me {$35.00} each and everytime until XXXX/XXXX/2017 and has left my account in the hole. I have taken my direct deposit out and place it some where else, and i try to close my account and they said i am negative, no I am not negative, i still have {$1.00} in my account if they did n't make this mistake ... I need help if you can ... it is Bank of America

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 12-07-2016 about Mortgage (FHA mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Application, originator, mortgage broker

Complaint: I do n't know if there is a timeliness factor in the mortgage process ; but I have been working with HSBC since XXXX to refinance XXXX investment properties. The processors request the same info over and over ; and then because the process is taking so long ( on their part ) ; they have to request credit reports, income verification, etc a few times. I have responded to all of their requests within a day, I have not been part of this delay. The have sent me no less than 5 or 6 Final Disclosures, Mortgage Commitments. I try to call the reps, and never get through to a person. My biggest issue with this process taking months is that I have other investments properties, with mortgages from other lenders that I wanted to refinance ; but was told to wait until this is completed. Because of these delays, this process is going to end up costing me XXXX of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Debt collection (Medical) with Strategic Alliances, Inc. (SC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Debt is not mine. Debt is also showing up on my credit report 2x

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2017 about Credit reporting () with EQUIFAX, INC. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have contacted Equifax several times about unauthorized inquiries that was placed on my report. When I first contacted Equifax several months ago they advised me to place a fraud alert on my account and contact each company to have them remove. After contacting each company by certified letters and phone calls, I 'm told by these companies to place a dispute with the credit bureau it 's reporting too. I 've contacted each of these companies, by certified mail, requesting documentation that these inquiries where authorize by me. Majority of their respond where get in contact with the credit bureau. As we know, mailing letters to these companies was very expensive only to receive a letter back stating contact the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Student loan (Private student loan) with MASSACHUSETTS EDUCATIONAL FACILITIES AUTHORITY (DC).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: For over a year I have been trying to lower my payments with XXXX, a loan service provider for MEFA. XXXX does not even allow you to access your payment history online so I am not able to give an exact date when I began trying to get lower payments. I was on an interest only repayment plan for a $ XXXX loan for 48 months after graduating from XXXX College and at that point the payments were as high as I could manage as I also have another private loan and federal loans with XXXX totaling $ XXXX. The interest only payments for XXXX were approximately {$200.00} per month in total and that is the maximum I can afford on my current salary. A year ago they said that I had exhausted my time on an interest only plan and that I had no other recourse. They proceeded to double my payments to over {$400.00} per month, which I was supposed to pay on top of the other {$600.00} I was paying to XXXX. I only make $ XXXX per year and I live in one of the most expensive cities in the USA. I called XXXX again on XXXX XXXX, 2017, and told them I needed to go on a interest only plan because I absolutely can not pay {$400.00} per month. They said sure and said that they would email me an application for interest only within a week. I did not receive anything. I called back in one week on XX/XX/XXXX, today, and they told me the same story I 've been hearing for the past year, which is that I 've exhausted my interest only payment option and that there is absolutely nothing that they can do for me so I can make a manageable payment per month. I want to make a payment and be current with my payments but they are asking me to do something that is completely impossible and they are not willing to work with me at all. XXXX should work with their students so that we can make monthly payments. Even though at interest rates of 6.9 %, I will probably never in this lifetime be able to pay these loans off. The fact that I was allowed to take on this much debt as an XXXX-year old is shameful. I would never have made this decision if I understood the consequences. There has to be something that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (NC).
Issue: Managing the loan or lease

Complaint: Bought a XXXX XXXX van from XXXX XXXX XXXX. The van was defective- kept breaking down. Had radiator fluid in the transmission ( This is an impossible thing to fix, as I have read ). I GAVE BACK THE VAN. ( it 's been branded as 'repossession ' ) I told them WHY we were giving back the van- it was unusable, it was dangerous, since it had a propensity for breaking down in the middle of the street with no warning, IT WAS UNrepairable. Credit Acceptance took back the van, was told about it- and expects to be paid for the *loan*. Basically, they took back merchandise, resold it, and still expect money for it. They are currently trying to take me to court ... 

I call that stealing.

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 07/29/2016 about Mortgage (Conventional fixed mortgage) with MIDFIRST BANK (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Midland Mortgage has been consistently reporting my mortgage to the major credit bureaus incorrectly. My insurance and taxes is not a note that should be reported, just the loan amount that I am paying back. I have been speaking with them since XX/XX/2015, and nothing has been rectified.

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 02/19/2016 about Debt collection (Non-federal student loan) with FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX hired Financial Asset Management Systems to collect on my student loan. Financial Asset Management Systems ( " FAMS '' ) is engaging in deceptive debt collection practices. I had setup an automatic payment using FAMS ' own online payment system for XXXX 2016. For some unknown reason FAMS cancelled the automatic online payment for XXXX 2016, which made me allegedly late for my monthly payment. I have attached a screenshot of FAMS own online payment system. I went back and checked FAMS online system on XXXX XXXX, 2016 and noticed that XXXX had cancelled the payment and I made the payment on XXXX XXXX, 2016. The attached screenshot shows the cancellation from XXXX. To top it off, XXXX is trying to modify my credit report as a result of FAMS ' illegal debt collection tactics because XXXX is no longer reporting the payment arrangement to my credit report ( {$250.00} per month, 0.001 % ) with any of the credit reporting agencies which I 'm assuming is a result of FAMS ' action of canceling my monthly payment for no reason. There is no reason FAMS should have cancelled the monthly payment. FAMS is engaging in flagrant violations of the Fair Debt Collection Practices Act.

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 06/17/2017 about Credit card or prepaid card (General-purpose prepaid card) with DISCOVER BANK (SC).
Issue: Unexpected or other fees

Complaint: I was issued a  XXXX  card for my tax check to go on. So we also you for direct deposit for my husbands pauroll. We were staying in  XXXX   XXXX  Tn and the girl we were staying with  XXXX   XXXX  and her boyfriend  XXXX   XXXX  did our taxes on her computer. I found the information downloaded on a few different devices and hand written. She also traded a cell phone which had our info on also to a  XXXX   XXXX  and her boyfriend  XXXX   XXXX . We had it set up to send text verification code so  XXXX  and  XXXX  show up and take our phone home with them and get the code download our documents and return phone next morning. I have had credit inquiries that I 'm not sure about on  XXXX   XXXX  Discover Bank. On  XXXX   XXXX   XXXX   XXXX  and also on  XXXX   XXXX   XXXX   XXXX  also. I do not know if accounts were opened or denied. Please help me figure this out.  XXXX  and  XXXX  specifically said that they would be keeping an eye on our social security numbers. We have already had {$300.00} removed from our  XXXX  card.  XXXX  has made it good because I had documentation where he was working, police report. I just want to see what I need to do to protect my husband and I since at leas t 4 people have our SS #, DOB, thank you for you help in this matter

Company response to consumer: Closed with explanation