milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2015 about Student loan (Non-federal student loan) with Capital Management Services, LP (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My private XXXX loan was sold for pennies on the dollar to a predatory collection agency named Capital Management Services operating out of XXXX, NY. My mom co-signed this loan, which has a balance of XXXX back in XXXX or XXXX. 

My mom received a call on XXXX XXXX XXXX, XXXX asking for personal information and money. She called me and I called this predatory agency back on the same day around XXXX XXXX. 

The woman I spoke with was very intimidating ( I 'm sure they are trained in bullying consumers XXXX. I was told I had XXXX options to pay this loan or they would go after my XXXX year old mother and did I want that to happen? By the way, I was never told what the XXXX payment option was. 

To make matters worse, I am having financial difficulties, which I explained to the bully on the phone. I said I could make a {$25.00} payment on XXXX XXXX to prove I was interested in settling this debt. The remaining payments had to be approved by a manager and I was put on hold. I doubt there was any manager approving anything because I never spoke to the supposed manager. REMEMBER-they bought this loan for PENNIES on the dollar, they are a FOR PROFIT collection agency. The girl came back on and said her 'manager ' approved XXXX payments of {$400.00} to settle the debt. I ca n't afford that. I said I could n't afford that much. Again, my MOTHER was brought into the conversation and how she could pay half and WE could call her and explain that this needed to be paid. Scare tactics and bullying AGAIN. So, I agreed to the arrangement and I ca n't afford it. 
I thought about this arrangement for days and called back on XXXX XXXX XXXX, XXXX to speak with someone who may understand my situation. I thought I could get through to someone who could work with me. I was wrong. 
The XXXX man I spoke with listened and was cordial. He had to transfer me to someone else. I got transferred to another male. I explained my situation and he listened. He then proceeded to bring up my mother. How she should help because she co-signed and how I needed to get money from her. He asked what I made a year and I said about XXXX and after taxes and insurance it was around $ XXXX every XXXX weeks, not a lot for XXXX VA area. He did n't believe me. I offered to send pay stubs. He said it did n't matter. Again, they bought this loan for pennies on the dollar. He offered a XXXX arrangement of almost {$300.00} a month for XXXX months, no settlement if I lower payments. He bullied me again. 
I want you to be aware of their predatory practices and that they use scare tactics to make a profit off of your debt. I would be happy to pay monthly if the payments are reasonable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2018 about Debt collection (I do not know) with I.C. System, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I review my XXXX XXXX XXXX XXXX on XXXX XXXX there is a {$180.00} collection that was placed by XXXX XXXX XXXX collection. 
I don't owe this money as I filed Bankruptcy XXXX XXXX in XXXXand all my debt was discharged by Federal Judge on XX/XX/2017. 
XXXX XXXX XXXX XXXX are sharing my information to other debtors and companies. 

XXXX XXXX never sent me a debt verification. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2017 I never gave my permission to this company to check my credit score and they did Hard inquiries Institution Information XXXX XXXX XXXX XXXX, MN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TD BANK US HOLDING COMPANY (HI).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have tried to open a checking account with TD Bank on XX/XX/XXXX. 
Information provided to TD Bank by a third party identification verification information company reports a fraud alert is attached to my post office box address so I can not open a new account. 
This information is incorrect because another person not related to me used my XXXX XXXX XXXX a few years ago for himself and his family. Numerous bills have arrived and apparently are unpaid resulting in a fraud alert related to my address. In checking with one of the credit report agencies, I have found that my credit is good and they have no fraud information reported related to my credit history. 
The matter is complicated due to the fact that this person has the same last name as me. TD Bank would not provide information to me as to the " third party '' company or companies they subscribe to for this service. so that I can attempt to correct the erroneous information. Any assistance will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Upon calling the collection agency Equifax stated I have a debt with, the agency informed me that they have no record of me having an account with them, which is correct because I can not recall any debts with XXXX. This acct was already in dispute for more than 120 days and was still showed reinvestigation in progress. I notified Equifax and they stated they could only remove the comments and it had to be redisputed ( see attachment file dispute1a ) conf # XXXX. After I was informed the comments attached to this acct were deleted I went to Equifax.com and filed a dispute with the confirmation # XXXX. When I called the same day to confirm that the dispute was submitted, I advised them I may have picked the wrong reason for dispute in error. Another confirmation was given to me # XXXX to correct this. Upon reviewing the report during that time I noticed that they had duplicated the exact same acct onto my report with the same exact acct #, bal, debtor, etc. I waited 30 days and received documents stating that these acct 's were delete ( see attachments ) and investigations were closed on XX/XX/2017. When I reviewed the Equifax report it still showed the exact same acct that was to be deleted with the duplicate acct gone. I called Equifax and asked why the acct was still showing on my report. They stated that they could not remove it and to call the collection agency again. I advised the agency will not help me and that they have no record of me having a debt with them and referred me back to equifax. I also advised them that I received documents from their own system stating the acct 's were to be deleted and they still did not delete them. They stated another dispute must be filed and they went ahead and filed an additional dispute with confirmation # XXXX. This is in strict violation of FCRA one, because it is taking more than 30 days, and two, they 've already told me they investigated it and it was to be deleted. I am in the process of trying to obtain a loan and they are not cooperating whatsoever. This acct needs to be deleted. Please PLEASE help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (GA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: Starting in XXXX of XXXX, Citibank began charging me a penalty interest rate of 29.99 %. 
It is now XXXX XXXX, XXXX and I have never had any notification from Citibank that they have reviewed or made any effort to review my payments being on time. I have just recently become aware of the passage of the Credit Card Accountability, Responsibility and Disclosure, or Credit CARD, Act of 2009. The law seems to require that after 6 payments are made on time, the credit card issuer must review the penalty interest rate and return the interest rate to its original rate. 
I called Citibank customer service on XXXX XXXX XXXX and asked about having the penalty interest rate lowered. The person I spoke with said that I am required to make 6 payments on time AND each of those payments must pay the balance in full. 
Is this correct under the law? 
I then called again on XXXX XXXX, XXXX and the person I spoke with said he had checked with a supervisor and that the interest rate can not be lowered " because of the performance of the account ''. I do not have any idea what that means. That person told me they would send me a letter in 5-7 days explaining. I have not received any letter explaining.

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 08/18/2015 about Debt collection (Credit card) with DISCOVER BANK (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was offered a credit card over the phone about 10 years ago by Discover Card for about {$4000.00}. I was later referred to a debt collector who took me to court as I fell behind my payments whereby a payment arrangement of {$100.00} was agreed upon. 

I have asked the debt collector to consider writing off the debt as I have payed them towards or above {$10000.00} over the years, well in excess of the original {$400.00} credit card limit that they extended to me. 
Unfortunately, the debt collector have always declined this arrangement ; they actually indicate that my debt has increased from about {$400.00} to about {$16000.00} because of interest rates which to me seem utterly artificial or unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Millennium Credit Consultants Inc. (MN).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: I have received several calls to collect a debt. I would be fine paying the bill if the person on the other line had n't called me offensive names and threatened to sue me. When asked to speak with her supervisor she has been belligerent and rude. I am uncomfortable receiving calls from this company. They have called me several times a day for the last three weeks.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/20/2017 about Credit card () with Alliance Data Card Services (PA).
Issue: Application processing delay

Complaint: On  X/XX/17   , I went to   XXXX   XXXX   to purchase a couch. I had been planning to purchase said couch with my tax refund, but it had not yet arrived and the couch was temporarily on sale for {$100.00} less. Signs in the  XXXX   XXXX  store were offering no interest credit for 6 months, so I applied for a   XXXX   XXXX   store credit card while physically in the store. Store associates provided me with a laptop to complete the application online. After completing the application online, I was shown a message that I would receive notice of whether or not I was approved in the mail in  5-7  days. I was under the impression that I would be approved immediately. This not being the case, I asked the store to call the company and cancel the application as I no longer had a use for the card. ( I ended up buying the couch with my  XXXX  card. ) The associate was told by the company that there was nothing they could do that evening and for me to call tomorrow. I pho ned Comenity ( the company that administers their card ) t he next da y (   XXXX   ),   and was told they could not cancel the application, to wait until the card was issued, then call and they could reverse everything, including the hard credit inquiry. Today,   XXXX    , I received a letter stating that they needed more information die to the  Patriot Act i n order to complete my application. After being passed from department to department, I was told that they can not cancel the application, but if I do not supply them the requested information in 14 days, the application would stop. However, whether I supply the information or not, they will still be making a hard inquiry into my  credit score. I  feel I was misled from the very beginning and that I should have been able to stop this process long before it reached this point. Furthermore, if they do not have all the information required by the  Patriot Act in   order to give consideration to my credit request, they should not be making inquiries into my  credit score.    XXXX   XXXX   is a great company and I will continue to shop there, but I have serious concerns about Comenity and the other store credit cards that I have under their administration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: They took over my loan in XX/XX/XXXX and so far every month have charged me random amounts for other. They are not posting my payments when they get the. They ca n't keep charging me for other. I have sent several emails and they have n't responded to a single one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: I have asked Equifax several times to add the following to the report after the mistakenly removed it .... 

Please add these back. 

XXXX XXXX XXXX - Monthly payment {$380.00} - Closed XXXX XXXX XXXX - Monthly payment {$550.00} - Currently active. 

XXXX says they are actively reporting it but Equifax deleted these two. Please add back just the two non-fraud GOOD STANDING accounts.
They were removed by mistake, the removed a charged off one properly, but also removed these two which are in great standing. These two being removed hurt my score tremendously. Please add JUST THE TWO ABOVE back. 

I tried talking to the creditors and they said it is properly reporting, so I have to request Equifax adds them back.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with U.S. Collections West, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I was told I was delinquent on rent and that I owed money for damages and cleaning fees from an apartment complex, XXXX, which I lived in last year. On XXXX XXXX, 2015 I provided the collections company, U.S. Collection West , Inc., a receipt from every month I lived there, showing that I paid rent every month. On XXXX XXXX, 2015 I asked them to not contact me regarding that debt since it is not valid. On XXXX XXXX, 2015 I received another letter from them dated XXXX XXXX, 2015 again asking me for money which I do not owe. Additionally, they contacted an associate of mine asking for my phone number, telling her they were calling from a collections company.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: All of my student loans have been discharged so all " open '' or " closed '' balances should be XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Debt collection (Credit card) with WINN LAW GROUP, APC (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I was given a Payroll Memorandum from my employer stating they will be garnishing my wages. I was totally blown away had to clue what this was for? I looked at the address from the paper work it 's my sister address. I called the number listed they stated it was served to that address which i never lived there. I use my sister 's address to get packages shipped. The collector states he was awarded to garnish my wage due to me not showing up to court on a debt that was charged off from the cc company in 2012. I filed a dispute with that collector company and they stated you can file but? we are still going to garnish XXXX % from your employer. The paper work says XXXX Sheriff Levy and then says filed in XXXX, Ca. I do n't see how companies can do such a thing? Seems like total fraud a credit card company has charged off on the debt 2012 ... how can they harass and individual and then embarrass me at a new employer? I ca n't sleep and have been sick to my stomach over this. I am barely getting on my feet financially. Please let me know what I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I am a father of XXXX little girls ( not as little as I hoped they would stay : ), I own or run 4 XXXX XXXX and between my XXXX and personal finances have about 20 different accounts to pay each month not including my 30 plus employees, numerous  vendors and services. I am old fashioned when it comes to organization of my bills. Meaning, I rely on statements via USPS. All my accounts are set up to mail me statements or invoices. 

XXXX/ 2015 XXXX reported me 30 days late, I am disputing the 30 day late reporting as inaccurate and requesting it be properly updated. I have had this account for nearly 5 years and always paid timely. I have all my statements mailed to me because this is what I use as my reminder. 
However, somehow when I set up my online account or responded to a citibank email. My account statement option was switched to paperless, i did not knowingly do this. 

I called XXXX earlier this year, they confirmed the paperless option was recently opted into. I had them opt me back out and thought the late payment reporting was being removed, It has not. 
Could you please remove that late payment from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage is providing conflicting information regarding the date payments post or are received. If you call the automated system it indicated they reveived your payment on XXXX day and when you speak to a representative they inform you they received the payment on a different day ( for the same payment )

Company response to consumer: Closed with explanation
Consumer complaint received 10-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (FL).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I have been a Discover credit card holder, in good standing, since about 2010. I recently noticed that I have been getting charged a Payment Protection fee every month. For quite a while now they have been sneaking in this almost {$24.00} fee monthly. When i looked into my billing history I realized that the " protection '' fee has been charged onto my account for the past seven years or at least as far back as i am able to search into my billing history. 

My husband got in contact with Discover to dispute this " protection plan '' which I did not sign up for. He explained to them that I never signed up for it and that i wanted to be refunded for the money i have paid them. The agent told him they could only reimburse us with 6 months of charges, which totaled {$140.00}. They did reimburse us but i am not satisfied with this reimbursement. They have taken so much money from me and clearly without my consent. I am up to date with my payments and have been very responsible to pay them. I think even their reimbursement is an admission of their guilt. I appreciate the effort they made, but it does not make up for the years they have been taking my money.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In  XXXX  of 2016, there were  XXXX  credit inquiries to my credit report that I did not authorize.
 XXXX / XXXX /2016-  XXXX   XXXX    XXXX / XXXX 2016- XXXX   XXXX / XXXX /2016-  XXXX   XXXX    XXXX  XXXX /2016- 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 04-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MI).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient took advantage of me I have XXXX loads XXXX is Stafford unsubsidized the other is Stafford subsidized I could have been paying on this. But the staff employees told me it would be better to go into deferment. Also in ten years they said I would n't have to pay anything.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Debt collection (Payday loan) with Nationwide Debt Management Solutions, LLC (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XX/XX/XXXX I obtained a payday installment loan from XXXX. I was unable to keep up on these payments, so decided to do debt settlement on this ( and other debt ) through XXXX company. I settled all my debt in XX/XX/XXXX have been making monthly payments since. In XX/XX/XXXX the debt was converted into a debt consolidation loan with XXXX. I have been paying timely payments on the whole of debt ever since. Now my employer as well as myself are being repeatedly contacted by Nationwide Debt Management XXXX ( or NDMS ) XXXX XXXX XXXX. XXXX XXXX XXXX CA XXXX asking for payment on my debt to XXXX I no longer owe this debt! I asked for a validation of debt and received only an e-mail. Not to mention the amount was far higher than what I originally owed as well ... very concerning.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation