milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-06-2017 about Debt collection (Auto debt) with EXETER FINANCE CORP. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I previously disputed a reporting error with Exeter Finance due to a banking error. Exeter was gracious enough to update my credit report for XX/XX/XXXX per the response provided below. However, each credit agency is now reporting that my loan was delinquent for the XX/XX/XXXX payment when in fact, I was only 18 days delinquent once the XXXX payment went through. Exeter approved me to have a modification of my loan through the XX/XX/XXXX payment for the XX/XX/XXXX that will be paid on or before XX/XX/XXXX, which is within 30 days of that payment being due. I am not sure how they fix one issue and report I am delinquent on another month when that payment was due XX/XX/XXXX and it was made on XX/XX/XXXX, which is within 30 days of the due date. I am confused how a payment made before it was even 30 days late it reporting on my credit report as a 30 day late payment. 

Company 's response in prior compliant # XXXX : Your account was 48 days past due for the XX/XX/XXXX payment when we received your payment on XX/XX/XXXX. As a result, you were accurately reported delinquent for this payment. In your complaint, you stated an email was forwarded to our office on XX/XX/XXXX regarding your bill pay. We are unable to locate a record of this email ; however, in compliance with FCRA laws, credit dispute investigations may take up to 30 days to complete. We appreciate your efforts to make all payments in a timely manner. Based on this complaint, we have agreed to remove the late mark that was caused by your banks processing error. We have updated our internal records and provided the corrected information to the credit reporting agencies. Please allow up to 30 days for this update to reflect on your credit report. Our records indicate your account was placed in a cease and desist status in XX/XX/XXXX based on CFPB complaint XXXX. To remove this status from your account, you may fax or email a written and signed request directly to the Office of the President at XXXX or XXXXXXXXXXXX. Our success is based on customer satisfaction with our products and services so we take the issues presented in this complaint seriously and make every effort to provide a prompt and equitable response. If you have any additional questions about our response we encourage you to contact the Office of the President at XXXX. Sincerely, Exeter Finance

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (GA).
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint: I took out a XXXX loan with a repayment amount of XXXX by the date of XX/XX/XXXX which would automatically draft from my account. The attempt to collect the payment was not done until XX/XX/XXXX ( which was verified with the lender and bank ) unfortunately other items came out of my account the day prior resulting in the payment being returned. Had the payment come out on XX/XX/XXXX as agreed it would have gone through and the other item would have been returned. I also applied for a loan during this time but received an error that a loan could not be provided until the previous loan was paid ( This is how I found out that the payment did n't go through ) although the error was provided the loan was actually processed unbeknownst to me and the repayment amount was XXXX as opposed to the XXXX I could 've given right back to them because I now had to worry about paying the other loan. They are not returning calls or answering my calls since these errors have been brought to there attention and they are continuing to take on additional interest and fees. Please help me. I only did this to help my mother with her XXXX meds I just want to pay them what I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Checking or savings account (Checking account) with BANCO POPULAR DE PUERTO RICO (FL).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I left Puerto Rico on XX/XX/XXXX and have been trying to close my Banco Popular account since then. I have contacted them on four separate occasions trying to determine the amount of deposit required to zero the account for closure and have never received that information. All they continue to do is charge fees to the account and honor unauthorized debits to the account and still refuse to provide the amount necessary to zero the account. I have gotten to the point where I have no intention of paying any of their fees effective the date I ordered the account closed. Clearly all they are trying to do is continue collecting the fees while refusing to provide me the information I requested. On one occasion they simply sent me the amount of the checking account deficit without factoring in the credit from the savings account. I remain unable to close the account because they continue to refuse to provide my account balance.

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 08-05-2015 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Using a debit or ATM card

Complaint: My account has been hacked into and i am not getting any real assistance in resolving this is the second time i have opened an account with them and since then i have had numerous fraudlent account opened. Bank of America

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Consumer Loan (Installment loan) with TOWER LOAN OF MISSISSIPPI, INC. (MS).
Issue: Problems when you are unable to pay

Complaint: Employees at Tower Loan continue to call my job despite being asked not to call me at work. They call my cell and my work phone several times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2015 about Credit card () with CITIBANK, N.A. (FL).
Issue: Closing/Cancelling account

Complaint: Before I leave XXXX, I cancelled my credit card account with Citibank and paid all the bills in full. Several months later my brother contacted me that XXXX XXXX XXXX XXXX sent me a mail to collect money on behalf of Citi. I called Citi asking them if they can provide me the last billing statement. They simply ca n't provide me the detail. Of course I 'm not paying them!! What for? I have good standing account with XXXX and XXXX XXXX, never have any problem with them. 

Several years have passed, they still sending me letter. This time they offered me to pay only XXXX instead of XXXX. I called them again, the same thing happen. They ca n't provide any details. I 'm really dissappointed with them. This time I decided to pay it off, let Citi has my money. I am sharing this hoping that other people do n't have to go through this, especially if they are asking for a bigger amount. I do n't think Citi treat me fairly, I just asked them to send me the account statement. They ca n't provide it but they want my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Ok, I submitted a complaint with the CPFB about a month ago and got a response from Navient to call them at XXXX and then when I spoke to them, passed on the response given through the CFPB stating I was eligible for a XXXX interest rate and a lower payment of {$250.00} a month. The rep stated they have no record of this and attempted to transfer me to some escalation department, which was a law office. I have had it with being lied to! I explained, this was a response directly from Navient stating I would be FINALLY taken care of and yet I get mislead again! Not only did they deny offering me this, they stated the garnishment would NOT be lifted and this {$250.00} would be over and above the garnishment. I was garnished on loans that were NOT mine, could not fight them in court because some snake fake law group who were actually collectors, filed papers with a local court stating I was served properly, I never was served, now Ive been garnished for over 2 years and continue to have money taken for loans that were taken out in my name, but were never authorized by me! I want this stopped and I am sick of being lied to by this Navient group who passes this around and never takes responsibility for these illegal actions!

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (AE).
Issue: Other transaction issues

Complaint: I sent a previous complaint on Western Union. I now tried to submit yet another transaction and have been denied again. I now have to call again and go through the same frustrating process that should have been resolved with my previous transaction. this is so frustrating to be overseas and subjected to this kind of services from Western Union. Please publish this and my previous complaint. may it will prevent other military members/veterans from going through this misery.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with Navient Solutions, LLC. (SD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I would like to file a complaint against the XXXX XXXX XXXX, ( XXXX ) XXXX On or about the XXXX day of XXXX I called this 3rd party collection agency to attempt to set up a fair payment plan. They declined and said they wanted the amount of {$XXXX} paid in full. This is affecting me by a hold on my SD Driver 's License. I explained I did not have XXXX XXXX dollars, I 'm on government assistants presently because of absent father 's to my XXXX children. I was redirected to the original collection agency XXXX XXXX XXXX XXXX, ( XXXX ) XXXX. I called the XXXX and spoke to an agent but was again redirected to the 3rd party collection agency, XXXX XXXX XXXX. I 'm only trying to set up a monthly payment plan to start paying on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (I do not know) with RSI Enterprises, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: this is a cell phone number and when I answer they say it is regarding a debt of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: ID THEFT HIPPA, CRA INACCURATE INFORMATION AFFIDAVIT OF FACT

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: all credit agencies reporting incorrect data, never had any " Public Records/ TAX LIENS '' not mines, same infor on file 2 times ; violates FCRA with re-appearance of infor on file

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Last month I sent Midland a validation request, to either substantiate a questionable account they had reported to my credit report or delete the account from the credit report. 
They have failed to do neither, thereby violating my rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit card or prepaid card (General-purpose prepaid card) with Empowerment Ventures, LLC (SC).
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint: I believe Rushcard is scamming customers again. I tried to use my RUSHCARD on XX/XX/XXXX about XXXX. My purchase declined although my direct deposit had just been posted. I called Rushcard customer service right then in XXXX at the checkout counter. An agent told me my card had been locked on XX/XX/XXXX due to suspected fraudulent activity. No one contacted me to tell me about the account lock. The agent says they called, texted and emailed, but I never received ANY type of communication from them. They said they were unable to transfer the funds to my wife ; s Rushcard and the only thing they could do was send me a new card to be activated. This takes 7-10 business days and I ca n't wait that long for my money. They said they could send the card with 2 day shipping, but there would be a {$30.00} charge. I refused to accept this and asked for a supervisor. The supervisor told me they would waive the {$30.00} fee since I was upset. I called them back this morning to make sure my card was getting sent out. The agent got a supervisor on the line because the card had not been sent out yet. The supervisor told me they can not waive the {$30.00} fee so I had to pay {$30.00} to get my new card sent to me. I was told the card would be sent out today and arrive by Thursday. However, at this point, I have no trust in their word whatsoever.They have no right to charge me for this. If I had known on XX/XX/XXXX that the account was locked, I would have had time to get the new card before my direct deposit on XX/XX/XXXX. Why would they lock my account and not send a new card right away? I plan to cancel my account as soon as I can get my money out of it. Please investigate this business as I know they wrongfully locked customers accounts in 2015. I have not seen any type of fraudulent activity on the account whatsoever so I fell like this is a cover story for their mistakes. To put the icing on the cake, Rushcard was able to deduct their monthly fee while the account has been so called " locked '' and unable to withdraw from. Due to this issue, I am unable to buy groceries or pay bills for my family. I have XXXX children and a wife to provide for. There is over {$900.00} in my account and I ca n't access it until I receive a new card by mail.

Company response to consumer: Untimely response
Consumer complaint received 12-05-2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (AL).
Issue: Loan servicing, payments, escrow account

Complaint: Received a Homestead Exemption and a XXXX Exemption back in XXXX 2016 form the XXXX County Tax Assessor 's Office, but Caliber Home Loans refuses to update my mortgage payment to reflect the decrease in my escrow account. I have called several times and was given conflicting information regarding the process. I was advised by a Caliber supervisor back in XXXX 2016 that the tax changes are automatically updated electronically ; however, today, XXXX XXXX, 2016 I was advised by a customer service rep that the homeowner is responsible for providing the updated paper work. The tax assessor 's office states that it is done automatically, but to the contrary the information has not been updated in my escrow account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There was an unauthorized hard inquiry made by XXXX/XXXX XXXX XXXX XXXX on XX/XX/XXXX.

There was also an unauthorized soft inquiry made by XXXX XXXX XXXX XXXX on XX/XX/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 09/15/2015 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Credit Card was always paid on time. I send a letter complaining about incorrect information reported to the credit agencies and they send me a letter back telling me that my account is now current. I do n't have an account with Home Depot and my account was always current.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-10-2016 about Credit card () with CITIBANK, N.A. (TX).
Issue: Unsolicited issuance of credit card

Complaint: I had an XXXX XXXX XXXX card. Somehow XXXX took over the card and my XXXX XXXX got transferred to them ever since XXXX I 've had issues logging on late fees and overlimit fees accrued and I cant seem to catch up on the card I called on XXXX/XXXX/2016 to ask for assistance since the payment never seems to go down and Im having financial difficulties since I got a big pay decrease at work. All they could offer was for me to just pay the minimum and keep accruing the late and over limit fee. They have no assistance in helping repay a card I do n't even want. I never had any issues with my 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 05/18/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CT).
Issue: Making/receiving payments, sending money

Complaint: I HIRED A MOVING COMPANY IN MA TO PICK UP AND DELIVER SOME OFFICE FURNITURE IN ME. THEY SENT ME AN AGREEMENT VIA EMAIL TO SEE IF IT LOOKS GOOD I REPLIED YES. THE ESTIMATE WAS FOR OVER XXXX AND I GAVE PERMISSION TO CHARGE ME XXXX FOR THE INITIAL DEPOSIT AND UPON DELIVERY I WOULD GIVE THEM CASH IN HAND FOR THE REMAINING BALANCE. THE MOVING COMPANY WAS ONLY AN HOUR AWAY FROM THE LOCATION OF PICK UP. THEY WERE ONLY THERE FOR 30MIN AND DETERMINED THEY COULD NOT TAKE THE OFFICE CUBICLES APART BECAUSE THEY WERE CUSTOM MADE ONSITE SO THE GIRL CALLED ME AND WE AGREED TO JUST KEEP THE DEPOSIT. LATER THAT DAY I WAS CHARGED XXXX ON MY DEBIT CARD FROM THEM AND I CALLED AND EMAILED THEM AND THEY WOULD NOT REPLY. I FILED A CLAIM WITH BANK OF AMERICA AND 45 DAYS LATER THEY GAVE THE MERCHANT BACK THE MONEY. BOA SENT ME LAST MINUTE SUPPOSEDLY SIGNATURES SIGNED BY ME IN ANOTHER STATE AND TOLD ME BECAUSE IT WAS SIGNED THEY HAD TO PAY THE MERCHANT. I NEVER AUTHORIZED ANYONE IN ANOTHER STATE TO SIGN ON MY BEHALF, THE MOVING COMPANY EVEN ADMITTED THAT THEY HAD IT SIGNED BY SOMEONE ELSE WHICH WAS NOT TRUE. BOA PAYED THEM MORE THAN WHAT THE APPROXIMATELY EST WAS. I NEVER RECEIVED THE MERCHANDISE. I ASK BOA TO LOOK AT MY SIGNATURE CARD IT DOES NOT MATCH AT ALL, THEY PROMISED TO EXPEDITE IT AND THAT THEY WERE NOT GOING TO TAKE ANY MONEY OUT OF MY ACCOUNT BECAUSE IT WAS EXPEDITED AND THE NEXT MORNING THEY STILL DID. I WANT MY MONEY BACK IN THE ACCOUNT AND BECAUSE OF THIS FRUSTRATION I HAD TO GO WITH ANOTHER BANK COMPANY AND TRANSFER EVERYTHING AND ORDER ALL NEW CHECKS FOR MY BUSINESS ETC. I HAVE NEVER MET A BANK THAT DID N'T GO TO BAT FOR THERE CLIENT AND OVER THE PAST 3 YEARS I HAVE PUT XXXX OF DOLLARS THROUGH THERE BANK. IF I DO N'T GET COMPENSATED FOR MY PAIN AND SUFFERING AND GET MY MONEY BACK AND HAVE ACTION TAKEN AGAINST THIS MOVING COMPANY I WILL GO TO THE XXXX XXXX, I WILL FILE A LAWSUIT AND I WILL FILE A COMPLAINT WITH Senator XXXX XXXX. I CAN BE REACHED AT 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 monetary relief
Consumer complaint received 01/18/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: I have been in contact with Nationstar for about a year working on a loan modification. I submitted all documents requested, yet my documents were never received or expired. In the meantime, they filed for foreclosure against my wife and I. I filed an answer to the complaint promptly. Nationstar is now seeking default against my wife. They seem to be very dishonest and deceptive.

Company response to consumer: Closed
Consumer complaint received 05-10-2015 about Credit card () with WELLS FARGO & COMPANY (FL).
Issue: Closing/Cancelling account

Complaint: acct closed with XXXX balance due and still showing under my XXXX credits bureaus was also included under chapter XXXX bankruptcy. please removed this acct.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Credit card () with CITIBANK, N.A. (VA).
Issue: Rewards

Complaint: In XXXX 2016, I opened a Citigold checking account with a promotion code I had received. The promotion promised an award of XXXX XXXX XXXX AAdvantage ( R ) miles upon completion of {$1000.00} in qualifying debit card purchases and one ( 1 ) or more qualifying bill payments for two ( 2 ) consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. 
After completing the requirements XX/XX/2016, I messaged Citibank via their online secure messaging system to check on the status of this promotion that I was enrolled in and had met the requirements. 
As of the date of this complaint, my AAdvantage miles have still not been rewarded. I note that the terms and condition of the offer state that " The AAdvantage ( R ) bonus miles will be credited by Citibank to your AAdvantage ( R ) account within 90 calendar days from the date when you completed all offer requirements. '' Under the terms and conditions of the promotion, I am eligible for the promotion : I am a Citi ( R ) / AAdvantage ( R ) credit cardmember who received the promotion, I am over XXXX years of age, and I had never before held a consumer checking account with Citibank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (MI).
Issue: Loan servicing, payments, escrow account

Complaint: Carrington Mortgage Services , LLC, XXXX XXXX XXXX, XXXX CA XXXX ( XXXX ) XXXX is unfairly inflating the Escrow reserves amount in order to increase our Monthly Mortgage Payment by 21.77 %. The escrow analysis was incorrectly prepared to reflect XXXX Winter Property Taxes being paid in XX/XX/XXXX, and XXXX Summer Property Taxes being paid in XX/XX/XXXX. The escrow reserves amount is excessive. Customers of Carrington Mortgage Services , LLC should be warned about the unfair servicing practices of this Mortgage Servicer.

Company response to consumer: Closed with explanation