milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/16/2018 about Student loan (Federal student loan servicing) with GREAT LAKES (NC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I'm in the process of purchasing a home when I obtained my credit report. Great Lakes shows my High Credit as {$24000.00} but shows my balance as {$36000.00} ; a variance of $ +XXXX over the credit limit which has a significant negative impact on my score. I called Great Lakes in attempt to either have the balance lowered or High Credit increased but was quickly told by XXXX that there was nothing that can be done and that what they are doing is not illegal although its impacting my score by 60+ FICO points and will remain that way until the loan is paid in full, I have been on time and in this environment there should be some compromise to not penalize consumers who are doing the right thing. The interest is ridiculous and should be illegal. Please review and XXXX sit me to get some answer to my concerns and possible some reconsideration of this way this trade line is reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Consumer Loan (Installment loan) with DISCOVER BANK (MD).
Issue: Managing the loan or lease

Complaint: I have been faithfully paying my Discover Loan since inception and had no issues until XXXX 2016 when Discover changed their payment system and locked me out of making a phone payment for about 10 days. That payment was made through their live customer service center. Every month I make my payment as usual ( {$500.00} on a {$470.00} payment ). I get harassing phone calls each month saying I did n't pay my bill, when I had proof from my bank that Discover did indeed withdraw {$500.00} each of these months through XXXX 2016. Now for some unknown reason, my balance has risen and Discover is not reporting my payment history properly, causing my XXXX Score to drop recently. I am assured each time they call that my account is being taken care of and that the matter will be resolved. It never is and I get another phone call. I pay in good faith and expect my payments to be credited properly. I have never had an issue with a lender in the past and am disappointed that I need to write this letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/18/2016 about Mortgage (FHA mortgage) with EMBRACE HOME LOANS (MA).
Issue: Application, originator, mortgage broker

Complaint: Embrace Home LoansMy daughter and I applied for a mortgage for her new house right after XXXX. We have been going through the process since then and they keep asking us for the same documents over and over and keep moving the closing dates and we can not get a straight answer from the Sales Manager, the mortgage manager or the processing department. We get different answers from different people every time we speak to anyone. Very frustrating to say the least plus the fact that my daughter is going through a divorce and wants to move out of their house and move into her new house. please help us and put an end to the incompetency of this company and other ones.

Company response to consumer: Closed
Consumer complaint received 02-07-2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (TN).
Issue: Taking out the loan or lease

Complaint: NMAC financed an auto-loan XXXX XXXX, 2015. While signing, the dealership switched cars ( " switcheroo '' ) giving us a similar looking vehicle lower value. The Federal Price Label ( " sticker '' ) of the the car we test drove was {$20000.00}. The sticker of the car delivered is {$17000.00}, leaving a disparity of {$2900.00}. I am in communication NMAC in an effort to recover the difference from the dealership, who has admitted to " overcharging '' {$1200.00} but refuses to refund any money until I sign a waiver not to sue. The loan was financed at 12.14 %, which is higher than the 5 % promised with our {$2500.00} down-payment. NMAC informed me that I could have negotiated on that interest rate and that dealerships add to the rate for a " kickback. '' At this point I am seeking to discover the nature the loan application as the dealership used personal identities, i.e. ; name, social security number, date of birth, etc. to intentionally misrepresent the amount of the loan. I am in the process of refinancing the car with my credit union with an offer to borrow {$15000.00} ( XXXX % loan-to-value ) at 5.4 % ( $ XXXX/mo. vs. $ XXXX/mo. ) The pay-off amount of the car is {$17000.00} leaving a difference of {$2400.00} ( down-payment amount of which dealership is holding {$1200.00} ) which I have to secure personal loan to finalize. I cancelled the addendum Ext. Warranty and GAP insurance policies ( of which the dealership never submitted the contracts to third-party providers ) in an effort to lower the principal for refinance. NMAC declined to share any responsibility as they dictate dealership policy even though when a felonious act is reported and they are collecting interest on the " unlawful '' debt, they to are benefiting. I am currently drafting a letter to request the specific details surrounding the submission of my ( and my wife 's ) personal information upon which approval was granted. All of this effort ( filing complaints ) is my arbitration process as my family is on a strict budget and at this rate can not sustain any over-age, especially that which is created by a abusive predatory loan. I was an unsophisticated buyer who acted in good-faith ( {$2500.00} down-payment ) who purchased a bad-faith " pig in a polk. '' That is to say that I have to take every avenue before consulting an attorney at upward $ XXXX/hr.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Credit card () with DISCOVER BANK (AZ).
Issue: Closing/Cancelling account

Complaint: Yesterday I called Discover Financial to activate my mother 's supplementary card, but was informed that it was cancelled since I did not provided some information regarding her. I have been a Discover card member for close to 8 years, and my mother has had a supplementary card for several years also. 

I have XXXX issues with this:1 ) I or my mother never received any type of notification on this regard. Not by email, letter or pop-up on the website.2 ) I informed that my mother does not live in the US , when the card was originally issues, an therefore does not have a social security number. The agent mentioned that she could n't do anything on this regard and therefore could not give my Mother a plastic. Due to this experience, I will cancel my credit card with you once the current charges are paid. First of all, I am really concerned that my credit card company could not reach me on this regard, and lied to me on the topic. I did not received any information on this regard, even if it was addressed to my mother 's name. 

Secondly, my mother has a supplementary card for other US based financial institutions. I have received similar requests from their part, and I have explained the situation and the necessary steps were taken to ensure that my mother could continue to use her card. I understand the need for additional security, but not having an alternative to accommodate for this situations is unacceptable. 

I was happy to provide any additional information or documentation regarding my mother, but you policies clearly do n't have the vision to provide reasonable accommodations in your " know your customer '' policies. This is clearly a discriminatory lending practice based on a national origin. If my mother lived in XXXX, a place where their government issues these numbers, would Discover have an issue with it? Discover stated on an email, that they request this to everyone, but do they do they validate if a XXXX number is used?

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: In XXXX of XXXX, Equifax allowed my personal information ( name, social security number, address, etc. ) to be stolen. I 'm now at risk for identity theft. I 've not yet been contacted by Equifax. I 've asked for a temporary fraud alert through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Dynamic Recovery Solutions, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: 3rd Party collection company is attempting to collect a debt, that was not mine nor authorized by me, additionally, this debt they are attempting to collect is beyond 6years the statute of limitation in Pa where I reside, the holder of this debt is also a collection agency, XXXX the original debtor removed the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/23/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Deposits and withdrawals

Complaint: I recently opened XXXX checking and XXXX savings account with Citizens Bank in Massachusetts. XXXX checking account was for a business and XXXX checking/savings account was for personal use. To open the accounts, I deposited XXXX checks totaling {$22000.00}. XXXX of the checks I deposited was a cashiers check in the amount of {$7500.00}. For whatever reason, Citizens Bank decided not to use the funds from the cashier 's check to open the accounts and used XXXX other personal checks instead. These personal checks, totaling another {$7500.00}, were not honored by the bank they were drawn upon. I spoke with the person that wrote the checks and he confirmed that the monies are definitely in the account and available. He suspected that they may have expired which caused them to bounce. I am now being told by Citizens Bank that they intend to charge me {$40.00} in fees due to these checks bouncing. In addition, they are placing a hold on all of the other checks that were deposited including the cashiers ' check. When I asked why they did n't use the cashiers check first they could n't answer and stated that they have a hold on these funds. Were they to use the cashiers check first, I would not have had any issues and would n't be charged the {$40.00} in fees. I would like to know why the cashiers check was not deposited first, why there is a hold placed on the cashiers check and why I 'm being charged {$40.00} in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (Credit card) with STERLING JEWELERS, INC. (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Also calls before XXXX and after XXXX. Back to back phone calls from different numbers. Wo n't tell me who they are until I verify who I am.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CONSUMER PORTFOLIO SERVICES, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX & XXXX credit file dated XX/XX/XXXX, & XX/XX/XXXX As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Debt collection (I do not know) with CAINE & WEINER COMPANY, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Caine and Weiner first sent a bill collection letter to me in XX/XX/XXXX, upon receiving it I sent a debt validation letter. As this bill was already paid in Full to the creditor. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 03/29/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I graduated in XX/XX/XXXX. I received information from my school and from my loan lender, XXXX post graduating. I deferred my loans. I ONLY ever delt with XXXX. in early XX/XX/XXXX I paid a big chunk on my loans and then a week later I was contacted by Nelnet to say that I also had a loan with them. I had not had any contact from them for the 3 years previously. When ever I had questions about my loans I dealt with XXXX. I was making payments to XXXX and my loan was sold to XXXX. I asked them if when I was calling XXXX to defer would they have contacted any additional loan carriers? The answer is no. So, I am writing to you to have this investigated. 
The Facts : My college sent me a loan packet after graduating. It was for the same amount XXXX gave me ... {$38000.00}. 
I deferred my loan for 3 years I never heard a peep from Nelnet I got a call from Nelnet in XX/XX/XXXX. When I stated I 'd never gotten anything from them they just said, oh well .... 
I believe someone took out loans in my name, or something else very strange. I should only be responsible for the pay out amount my school sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Home Depot mailed me an offer of credit, which arrived in the mail on X/XX/17. The offer indicates that my personal credit report was used to make the offer. The credit offer is underwritten by Citibank. Home Depot is aware that Citibank and I have previously agreed to have no further contact, and that Citibank is not to send me offers of credit or access my personal credit report. Citibank 's attorney has repeatedly told me that these offers will stop.
Despite that agreement, Home Depot accessed my personal credit report and mailed me the offer of credit they knew would not be honored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have recently obtained my credit report, and I have found fraudulent account OFFICE OF THE ATTY GEN #  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 06/20/2016 about Consumer Loan (Title loan) with Select Management Resources, LLC (PA).
Issue: Charged fees or interest I didn't expect

Complaint: I contacted Loan Max XX/XX/2016 to ask about a title loan. I was only looking for {$1200.00} and I asked the lady on the phone what the interest rate was and she proceeded to tell me it was 24 %. So I drove 45 minutes to get this loan and after I signed everything was then told that it is only a 60 day loan at an interest rate of 324 % APR. This is predatory lending at its best, this is a classic bait and switch get you in the store and tell you everything is great and easy and then proceed to " XXXX '' you of all your hard earned money. Even though I only make about {$1200.00} a month they still did n't care and went ahead with everything anyways.

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 03/29/2017 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).

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 11/27/2017 about Mortgage (FHA mortgage) with TIAA, FSB (GA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In XXXX XXXX 2017 I sent an actual live check to to Everbank and they held it for 30 days and I reported TO THEM that they held my check to make me default on my loan which i immediately paid on line. They removed the negative mark from my credit report only to place it back. I am trying to obtain a mortgage and I need Everbank to report my credit for the last 12 months and change the late pay!

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed erroneous information on my credit report to which Experian responded that the information was " verified ''. Since then, I have sued a few of these creditors for refusing proper verification and they have been removed by the creditor. Experian continues to report erroneous information and the remaining creditors will not respond with appropriate debt validation. Additionally, Experian is letting unauthorized people check my credit and is reporting addresses that do not belong to me. Due to the fact that I have evidence that XXXX or more account they were reporting was in fact, not mine, this calls for a re-investigation and deletion of the incorrect data.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Credit decision / Underwriting

Complaint: An old Home Equity Line of credit that I closed at Bank of America in 2008 was suddenly reopened without my permission about a year ago. When I called the bank and informed them of what appears to be unscrupulous sales practices, they claimed it was never closed and I would need to send the {$10.00} to close it.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I was confirmed a victim of the Equifax credit attack. I entrusted my personal info, info that can be used to ruin people 's lives, to them. I have taken all of the precautions since then, but something like this should n't happen to an agency handling this kind of information.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2017 about Debt collection (Credit card debt) with Collection Bureau of the Hudson Valley, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My father died last month, since then I have been getting calls and debt collection letters on accounts that were closed, The collection bureau of the Hudson valley sent me a bill with a larger amount that the credit limit I had. It also showed activity including payment in 2016, I sent them a copy of my bank statement showing I did not pay or charge anything last   XXXX   as my father as in the hospital.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2018 about Debt collection (I do not know) with Diversified Consultants, Inc. (VA).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: Diversified Consultants has been calling me since XX/XX/XXXX. On XX/XX/XXXX, I sent a letter stating that I do not have any knowledge of any debt outstanding, requested that they provide identifying information for the alleged debt, and demanded that only contact me via mail and cease contacting me by phone. 

That letter was received on XX/XX/XXXX and from XX/XX/XXXX through XX/XX/XXXX I have received 3 more calls from Diversified Consultants in violation of the cease and desist letter. I have not received any written communication from Diversified Consultants, either before or after the cease and desist letter I sent.

Company response to consumer: Closed with non-monetary relief