milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/27/2017 about Credit reporting () with Rent Recovery Solutions (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I moved out of an apartment in XXXX. I paid for rents due after going to court with the landlords. I have money orders to prove I paid them in full. A couple months after I left they sent me to a rent collection agency. 
I was n't aware of this debt being active and saw this reported on my credit report before they even wrote to me to inform me or give me the chance to dispute this. I was furious and contacted the company right away. I told Rent Recovery Solutions I paid in full and can prove it. Rent Recovery Solutions did not care or listen. They were so rude to me. I told them they should not report false information and did n't warn me. 
They said they did n't care what I am saying and denied me my rights. 
After disputing with them without response, I tried to dispute this with the XXXX credit reporting agencies. All three credit reporting agencies claim the debt was verified. I wrote to the credit reporting agencies and send my proof of payments. Still they credit reporting agencies and Rent Recovery Solutions are not acknowledging my payments. I need this to be corrected and removed. I should not be forced to pay this debt again because of their gross non compliance with credit collection activity. 
I need to take care of this since it is preventing me from obtaining a loan for my business. This is unfair and it has been months since I have been trying to fix this. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: I 'm unable to make the large biweekly payments. I called Ace Cash while in good standing to negotiate lower payments in order to make sure the loan is being paid and to avoid default. 

I was told by the customer service representative that I would need to default on the loan in order to make payment arrangements and that my best bet would be to work with their collections department. 

They are setting borrowers up to fail by pushing them into default. I should not have to beg to pay off my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Struggling to pay mortgage

Complaint: Have tried numerous times beginning in XX/XX/2017 to seek help with keeping my home through Keep your home California only to be stonewalled by Bank of America as they ask me to apply again and again. I have done so and provided any and all info they requested and done everything they asked only to, be denied again. I am newly divorced and on XXXX but do have income required. I am beyond Exasperated. I believe they are trying to force me to give up my home aka short sale. Help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: XXXX XXXX Account is incorrectly reporting missed and late payments. This is incorrect Accounts is closed and paid in full creditor is still reporting this incorrect information. XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX is reporting a late/missed payment, this is incorrect, and account is paid in full. Creditor is still reporting incorrect information. XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX/XXXX is reporting a late or missed payment this is incorrect, account is paid in full, date opened XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX is closed and paid in full, but it is showing a missed payment this is inaccurate. XXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX is paid in full and open creator is reporting a missed or late payment this is incorrect date opened XX/XX/XXXX address XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX is open and current, is reporting incorrect information missed or late payments date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (ME).
Issue: Managing the loan or lease

Complaint: I was on an auto pay the last 18 months for a heating system which I had been told was interest free for the life of the loan. Last month the monthly amount was raised without my knowledge and when they received a lower amount, charged my account {$2100.00} in interest.

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 05/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: Made NUMEROUS attem pts to speak with a  Citi    XXXX   or other representative that could assist in applying for a balance transfer card & transfer a $  XXXX  school loan balance ... However, repeatedly met inept or incapable button pressers that could not even understand the issue.     Finally, blindly made the request for credit via online submission as I was told after the credit line was approved a increase could be requested. Currently $  XXXX  will not serve the purpose of initiating a business relationship with  Citi.      Today, after  3 escalations I was speaking to Sr. Acct S upervisor (  XXXX   XXXX   )  & it 's becoming clear  Citi does n ot have a single competent person working at ANY level of customer service ...     Need to speak with an   XXXX  , customer  Executive t o exercise a meaningful  Brick & Mortar customer inquiry, a meaningful & informative request for a SPECIFIC request for a creditline increase.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Nelnet has combined my subsidized and unsubsidized student loans without permission. I used to have a Group A and Group B student loan that I paid to them. Now -- -I have only a Group A. I intend on going back to school next year -- -so, I intend on only paying the unsubsizided since the interest will still accrue. They have done so without my permission. I have tried to call multiple times -- -and have gotten no resolve. I am on time AND ahead -- -but I have every right to pay either loan in advance by law. How many times are they going to manipulate my loans?

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit card () with TD BANK US HOLDING COMPANY (OH).
Issue: Credit card protection / Debt protection

Complaint: I went to Target to purchase gifts for my family in XX/XX/2016 in the original amount of approximately {$240.00}. The cashier said I could save 5 % on the current purchase if I signed up for the Target Red Card. She said it would only take a few minutes and that I would receive the red card in the mail. So I agreed, and signed up at the cash register. A few months go by, and I start receiving phone calls from Target headquarters stating that I owe them over {$300.00} in unpaid credit card charges. So I checked my mail and sure enough, the original purchase of {$240.00} was charged to the red card I had signed up for, but had not yet received. The red card had {$38.00} late payment fees and a ridiculous 23 percent interest rate. The biggest problem is that it was not made clear to me that the purchase would be immediately charged to the red card, right after I signed up, and then be charged accruing interest and late payments on purchases I was not aware were charged to the red card. I believe this was a predatory and deceitful practice, and especially heinous because it happened during the holiday season.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: XXXX ,  XXXX   XXXX   XXXX  Credit Card. I have tried repeatedly through the credit bureau and the  XXXX ,  XXXX   XXXX   XXXX   XXXX  to get them to correct ALL of my credit bureau 's. When contacted the Credit Bureau 's they are NOT correcting their error. On all bureau 's they are reporting my account as a charge off in status and not reflecting monthly payments and new balance. This account did go to collections, but I receive a statement every month and am making my payments every month and reducing my balance every month. They are charging interest every month, like a credit account. Therefore, it is not a charge off if I am making payments, receiving a statement from the company and reducing my balance. Also, they are reporting the false information to my spouses bureau as well.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax Information Services , LLC . refuses to send a updated and corrected copy of myconsumer credit report and file to XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX. 
The XXXX National Consumer Credit XXXX agencies ...

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with The CBE Group, Inc. (MO).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: I receive a minimum of XXXX calls per day. Sometimes XXXX after another.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: I took out a student loan in XXXX for {$9000.00} and graduated in XXXX although I was short a 3-credit course that my advisor did not tell me about until a month before this graduation. The university was aware of this error, I was allowed to graduate but was not awarded my degree. I began working and decided to go back to school in the near future to complete my degree. Going back to school turned into a hardship because I did not have the extra money for my class. My student loan was placed on a forbearance plan, my co-signer helped me make payments while I was employed part-time temporary and unable to make the designated payments. After years of paying interest payments my student loan debt grew into a massive {$13000.00} with a 10.25 Variable interest rate! I started full-time employment in XXXX of XXXX, I called Navient requesting to refinance the loan and to release the co-signer. Navient told me that they would NOT release the co-signer until I completed my degree and made 12 consecutive on time payments. My complaints : Not being allowed to release my co-signer and not being offered an income driven repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (MA).
Issue: Advertising and marketing

Complaint: I am a member at XXXX ( XXXX ). At XXXX I have an XXXX credit card. This card had a promotion going through XXXX XXXX, 2016, to make five purchases, each & gt ; {$25.00} to get a {$10.00} bonus credit to the account. I complied with terms, and XXXX agrees. XXXX has not complied, and they acknowledge so. This bonus is a marketing promotion, a small amount for each customer ; however, there is a disclosure/compliance issue now, many XXXX customers in Massachusetts, where I live, and across the US, may be also affected -- possibly all who have XXXX cards there. XXXX has not credited the bonus as required, and despite my calls escalating to their executive resolution team on three occasions. At each level XXXX acknowledges fault, promises a resolution, but does not call back in the promised timeframe. Since many XXXX XXXX card customers may be affected similarly, I ask that you follow up with an inquiry there. I am asking XXXX to cooperate with you on my XXXX account and provide info to you as necessary. To summarize, the issue concerns XXXX noncompliance with its bonus offer on the XXXX card during XXXX, 2016. I have also filed with the Massachusetts Attorney General and XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was released by Equifax and has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2016 about Debt collection (Mortgage) with Specialized Loan Servicing LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: SLS attempted and has extorted monies owed me from the selling of my property at XXXX XXXX XXXX XXXX, Tx. XXXX. I sold my property in XX/XX/XXXX. SLS was properly communicated with and notified by the buyers title company that the XXXX taxes were being transferred to, and paid by the buyer. Fully knowing that taxes are n't billed until XX/XX/XXXX, and due by XX/XX/XXXX ... SLS had just bought my loan from XXXX in the mist of my selling transaction, so in the hast to extort some monies out of the deal the XXXX added a escrow/impound advance balance to the closing cost statement in the amount of {$2600.00} fully knowing the above mentioned to them by the title company. In speaking to the Texas Tax Authorities NO XXXX taxes were paid by SLS on the property, nor was there ANY insurance payment made to any insurance company. The last taxes were paid by me in XX/XX/XXXX ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CA).
Issue: Managing the loan or lease

Complaint: I paid my car off XXXX XXXX with an overpayment of {$600.00}. Westlake financial services is refusing to send me the overpayment check. I have called and asked for it to be expedited and I am not getting any resolution at all. One manager XXXX XXXX said it would be done but the check was never sent. No where in there contract states there is a 22 business day waiting period for overpayments on payoffs.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Credit card () with AMERICAN EXPRESS COMPANY (GA).
Issue: Billing disputes

Complaint: I am complaining against American Express ' ( AMEX ) " dispute transaction '' service. 

I ordered some draperies from XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX with 3 weeks lead time. XXXX charged the full amount to my AMEX account but did not provide any refund policy or warranty documents. 3 weeks late, on XXXX/XXXX/XXXX XXXX delivered the wrong specification. I disputed the transaction ( $ XXXX+ ) via AMEX . AMEX was fully informed the product was incorrect and I had provided a photo and document evidence but went ahead and paid XXXX. 

I also contacted XXXX directly on XX/XX/XXXX. The woman whom I dealt with came to my house on XX/XX/XXXX, tried to persuade us to accept the product, AND suggested that we hold on to the product for XXXX weeks to see " if we could live with it '', and if it did not work, we would receive full refund. 2 weeks later, on XX/XX/XXXX, I emailed her and requested to receive our full refund. Since then, they have refused to issue the promised full refund. 

After I launched the first and subsequent disputes, XXXX provided AMEX with bogus documents and testimonials from their workers/subcontractors. AMEX has rejected me a total 6-7 times ( this process has taken me 8 months ) without providing valid reasons or direct contacts to the dispute team. I had to re-explain my case and complaints EACH and EVERY time I call AMEX customer service. This was not only time consuming but also emotionally stressful. Finally, on XX/XX/XXXX, I was contacted by XXXX XXXX XXXX ( AMEX Executive Customer Care Office ) after I called and complained to AMEX NY HQ on XX/XX/XXXX. However XXXX XXXX unsympathetically said XXXX is their customer and they will not impose the refund because the express warranty is not written down. She also reiterated what the customer service agents had told me many times that AMEX does not really offer a dispute service, and that they merely relay messages to and fro between the merchants and the consumers. This service is completely mis-represented. I was reassured each time I called that AMEX will get my money back. Now 8 months have elapsed I am still to find out if this time wasted has any effect on the standing of my case if I were to purse other avenues. XXXX XXXX also reminded me that per the Cardholder agreement, the {$5000.00} is now my responsibility. 

So not only did I not get my product on time, or on specification, I also owe AMEX XXXX dollars. AMEX will accept XXXX ' bogus documents and deceitful business practice but not my honest words. They have taken me around and around a dispute process 6 times, only to tell me there is no such thing.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Credit Protection Association, L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I first got a letter from credit protection association to pay my bill I was worried and payed it off right away and now they have been harassing me through mail and phone, one male on customer service was very rude was yelling at me and saying my payment did n't go through and if I did n't pay my credit will get hurt. The latest letter i had is XXXX/XXXX/2016

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 08/23/2016 about Debt collection (I do not know) with FirstPoint Collection Resources (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I do not know what this bill is for and did not receive any services.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Credit card () with BARCLAYS BANK DELAWARE (TX).
Issue: Billing disputes

Complaint: I purchased a homeowner 's warranty using my BarclayCard XXXX. When I attempted to make a claim against the warranty for a broken washing machine. After two weeks of phone calls and telephone calls to the company, XXXX XXXX XXXX has yet to repair or replace the covered appliance. As a result I submitted in writing a demand for the full refund of the purchase price for the warranty be credited back to the credit card I used to purchase the warranty. To date there has been nor response. I contacted BarclayCard and submitted a dispute for the full. I also faxed over the requested documentation the needed. After 11 phone calls to customer service, my account has yet to reflect the provisional credit amount which means BarclayCard is still charging me interest on that amount. When I call they refuse to allow me to speak directly with the person handling the dispute and have claimed that someone will call me within 48 hrs.

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 05-03-2017 about Student loan (Federal student loan servicing) with Alorica Inc. (MN).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My student loan is currently in default, and my wages are being garnished for payments. I would like to make more affordable voluntary payments. I have called the loan servicer  on 4  separate occasions within the same week to get information on how to stop the garnishment and rehabilitate my loan. Each time I was given different, conflicting information, with different forms to complete each time, and I still do n't understand how or if there is a program that can help me. In any case, it was indicated that I would be required to continue to make  5  garnishment payments IN FULL, in addition to my new voluntary payment, thus INCREASING my inability to repay. I can not afford the full garnish payment. I can not afford to pay more on top of the full garnishment payment. If I ca n't make voluntary payments, I can not enter the rehabilitation program. This servicer 's business rules are preventing me from utilizing the student loan rehabilitation program that was created to help consumers get back to a stable financial state. Their final recommendation to me was to fill out the  3  different packets of documents they mailed me and send them back and " see what happens. '' They indicated the decisioning period could be anywhere from  2 weeks to 2 MONTHS.

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 10/24/2016 about Mortgage (Conventional fixed mortgage) with American Financial Resources, Inc. (CA).
Issue: Credit decision / Underwriting

Complaint: Approximately on XXXX XXXX, 2016 I contacted XXXX. The were very eager to help me re-finance with money out. I completed all their paperwork with in about 7 days. They then told me it went to the underwriters. At this time I paid {$490.00} for an appraisal for my house to qualify for this loan. My appraisal came in at {$320000.00} and I wanted to take out all I could which meant I wanted my loan to be {$260000.00}. I then waited for the rest of XXXX, XXXX, and XXXX calling them approximately every 10 days to find out where my refinance was at. And everytime I called they said it was at the underwriters. I kept asking if they need more information. NO NO you are are fine, Finally on about XXXX XXXX, 2016 I received an email from them listing about XXXX things they needed from me in order to close. By this time I contacted another mortgage lender and closed within 3 weeks. I think they should refund my {$490.00} for my appraisal fee. When entering into a contract with them I believe time is of the essence. and by stalling my home loan for 3 months is NOT a timely fashion. Every other time I have refinanced my home the loan has been completed within 30 days. 

Thank you XXXX CA XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief