milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit determination

Complaint: I received letters from Citi that XXXX of my credit lines were getting decreased because of my credit score. My credit report showed XXXX derogatory tradelines and they were removed with apologies. I contacted Citi and asked them to increase my limits again and they have refused to do so since the balances on their credit lines is high due to the decrease. I have asked if I could send them the documentation but they are not interested in helping me at all.

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 06/14/2017 about Debt collection (Medical debt) with Optima Recovery Services LLC. (TN).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: XXXX  is rude and hateful and talks down to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2018 about Vehicle loan or lease (Loan) with U.S. AUTO SALES INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: US Auto Sales in XXXX I purchase a XXXX XXXX XXXX in XXXX XXXX, Ga. and two years ago I had went to XXXX XXXX to see about buying a car, and they ran my credit report, they came back and told me that US Auto Sales was not reporting my payments to the credit bureaus, so I call them they gave me a we site call XXXX to file a dispute, I did that and they said it was taking care of. So now two years later we are having the same problem with us auto sales in XXXX, Ga. main office. today I went to XXXX XXXX to see about buying a car and they said the same thing us auto sales is not reporting my car payments to the three credit bureaus. For the last 48 months the payment of {$480.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2016 about Student loan (Federal student loan servicing) with Utah System of Higher Education (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XXXX was managing this loan but moved it UTAH HIGER EDUCATION ASSISTANCE AUTHORITY ( UHEAA ) earlier this year. At the time it was moved to UHEAA, I was on deferment due to hardship. Prior to my applying and being granted deferment, my monthly payment was {$280.00} but I consistently paid {$300.00} monthly for over two years. On XXXX XXXX, 2016, UHEAA sent me a Repayment Disclosure Statement, which showed that my loan amount had ballooned in spite of the fact that I was paying a little more than my monthly repayment sum ; also, I was making payments even while I was on deferment to eliminate some of the principal and the interest that would have accrued during the period of deferment. Surprisingly, UHEAA statement did not reflect those payments. 
I am truly suspicious of what UHEAA claimed to be the balance of this loan. I had called them several times in my attempt to get answers to my questions but I have not succeeded in speaking to anybody because I am usually put on hold for AT LEAT 30 MINUTES on each occasion that I do hang up out of frustration. 
My School was University XXXX, XXXX Texas

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 03/22/2015 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (PA).
Issue: Loan servicing, payments, escrow account

Complaint: After already receiving confirmation that my mortgage payment for the month was made & without penalty, I received a threatening notice that " my payment was late '' & that " it still needed to be made ''. This is the same harassing contraction that I had to go through last month with the same mortgage company ( Caliber Home Loans ). For a monthly mortgage payment of {$1700.00}, THIS KIND OF UNPROFESSIONALISM NEEDS TO STOP! The unnecessary stress it is causing is compromising my ability to relax in my personal life.

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Mortgage (Conventional home mortgage) with LoanCare, LLC (VA).
Issue: Trouble during payment process

Complaint: I have a loan with a company calle d Loancare. They  have turned me into the credit bureau twice in 6 months due to payments not being posted on time. They have also automatically changed my payment amount due to insurance review even though my insurance company has actually charging less. They dont process the payments when they get them so they are putting late charges on my account when the money is in. I am not the only  one out  there that they are doing this to. There are many websites of this happening to many others with exactly the same story. I have been on the phone with the m 20 times and they actually have hung up on me many times when they can not answer my questions. My credit score wa s  XXXX  before they bought my loan and since then it has dropped to  XXXX . I want to refinance but since my credit dropped i wont get the 3.5 % interest rate so maybe this is how they keep their customers. Please help.     Thank you  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 03/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: 1. Ally is reporting to XXXX that the account is in a Petition for Chapter XXXX. This is not correct. My Chapter XXXX  Bankruptcy was Discharged on XX/XX/2016.

2. Ally is reporting to both XXXX and XXXX  that the account Condition as Derogatory. This is not correct. Ally was paid-in-full {$28000.00} and the account condition is PAID.

3. Ally is reporting to both XXXX   and XXXX the account Status as in a Payment Plan. This is not correct. This account is closed so how can the account be in a Payment Plan?

4. This account is not in Chapter XXXX Bankruptcy. Ally must only report the current condition of the account.

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 05-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is a collection from XXXX XXXX for {$2400.00} that has been showing up on my credit report for a couple of years now that I have been disputing. I was staying with my sister during this time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (VA).
Issue: Money was not available when promised

Complaint: I opened up a Coinbase account to trade Cryptocurrencies. First purchase on XX/XX/XXXX. XXXX bitcoin for XXXX. Second purchase on XX/XX/XXXX. XXXX Etherium for XXXX dollars. Sold XXXX bitcoin for XXXX ( after fees ) on XX/XX/XXXX. Sold XXXX etherium for XXXX on XX/XX/XXXX. Currently have {$180.00} in a stagnant USD account on coinbase. I am unable to withdrawal the money to either a bank account or credit/debit card. I have not taken action with the company, because upon research this is not an uncommon problem and the company does not take action when it occurs. Per my research this is the best coarse of action to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: My name is XXXX and I got a student loan from Navient back in XX/XX/XXXX. I was an immigrant from XXXX and wanted to get a 2 year degree from the XXXX XXXX in Arizona, so I can find a job to support my family. When times got financially hard, I found it difficult to pay my loan and Navient was not very helpful or supportive. In XX/XX/XXXXwe moved to XXXX, Texas because my employer filed for chapter XXXX and my family and I got transferred. This move was a serious life event and the first couple years I struggled to pay my bills, including my Navient loan. When I called Navient, the agents did not seem to care about my situation and the interest just kept going up and made it impossible for me to catch up. Navient has been also calling my wife and leaving automated VM on her cell, reminding that " Payment is due ''. This is my loan, not my wife 's! Navient should stop harassing family members! I 've been trying to pay this loan for almost 20 years and the amount of this loan is the same as it was when I just got it in XX/XX/XXXX ( {$6800.00} )! Navient 's failure to support me ( or other costumers ), results in delinquencies and it makes it hard for former students to pay the outstanding balance off ( my wife also has a student loan, and she is about to finish paying, because her company worked with her and helped come up with solutions, when we just moved to XXXX ). The interest Navient is charging its clients is very high, not reasonable nor realistic. Not only that I gave up paying off my loan, but it also ruined my credit history. I made several attempts to negotiate with Navient ( after my move to Texas ),  despite all of my requests, provided proofs, phone calls etc., they sent my account to collection. We are not able to get any loan or mortgage because they ruined our credit history! This company is fraud and a big disappointment! We would be very thankful if you can help us clarify our situation and look forward to hearing back. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Calvery Portfolio purchased account # XXXX from XXXX XXXX XXXX XXXX XXXX FL XXXX, which was opened XXXX XXXX and first reported to the Credit Bureau oh XXXX XXXX. Calvery Portfolio changed my Date Opened to XXXX XXXX and First Report date to XXXX XXXX. I filed XXXX disputes with the Credit Bureau and they failed to properly investigate this matter, I called Cavalry spoke with XXXX XXXX employee # XXXX tried to explain to him they are reporting incorrect information to the credit bureau ( the date open is incorrect, last balance is incorrect ) and I would like to have this inaccurate account removed from my credit report, he said he had no way of removing the account and the only solution he offered was to reopen the account to collect more money from me. I would like a investigation done on my behalf because the credit bureau is not do their job in fully verifying the information is

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/20/2015 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (NY).
Issue: Account opening, closing, or management

Complaint: My interest rate with XXXX XXXX XXXX card raised without my knowledge. I sent XXXX a certified letter asking my interest charges back and they never responded. I can submit to you all of the paper work if you wish. I just got off the telephone with XXXX now I was told that I was notified of the interest rate increase. This is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Using a debit or ATM card

Complaint: Capital One Bank Reversed my dispute 3 times and debited my account

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Debt collection (Medical) with URS Holding, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX continues to bill me for a paid service, my medical insurance paid this bill, They have turned me over to collection, and added $ XXXX in added fees .I previously contacted them to contact XXXX and Medicare. My XXXX per their clause XXXX : XXXX { B } { XXXX } requires provider to accept XXXX allowable as full payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I would like the reported information updated and removed from the report

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 10/28/2015 about Bank account or service (Other bank product/service) with NETSPEND CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: I keep getting junk mail from NetSpend. They want me to have my pay check deposited in their system. I have requested several times for them to stop contacting me & delete my information. I am sick of this. Each time they send me their XXXX junk mail with pre-paid card and mailing information, I have to have it destroyed or risk my information being stolen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Debt collection (Medical) with Centron Services (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Debt is paid and is still being reported as derogatory to my credit report. I would like the account removed CRDT SYSTMS or something like that name CREDIT SYSTEMS.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is concerning XXXX XXXX XXXX, and XXXX XXXX XXXX of a debt totaling {$1600.00}. I contacted XXXX XXXX XXXX and XXXX XXXX XXXX. I proved to them that I was and is a victim of Identity Theft. XXXX XXXX XXXX and XXXX XXXX XXXX validated the debt as mine, yet neither have provided any documentation legally linking me to the account. XXXX XXXX XXXX and XXXX XXXX XXXX seem to be unaware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', This complaint is also formal request that the bureaus ( XXXX EX XXXX ) and B of A provide the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 168li ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I also request legal FCRA Validation of Debt What the money you say I owes is for ; SIGNATURE AND COPY OF ID FOR SAID DEBT Explain and show how you calculated what you say I owe ; Provide me with copies of any papers that show agreed to pay you XXXX XXXX what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (NC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I discovered this charge off on my credit report as bad debit. I attempted to contact the company about the charge off amount on my credit report that is inaccurate. I explained to the debit collector that not only was I not aware of this charge off being placed on my account but I the amount of debit is completely inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2017 about Debt collection (Medical debt) with Action Revenue Recovery, LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: I was notified of changes in my report. I log on and see FIVE collection accounts listed that were from XXXX and included in bankruptcy that was discharged in XX/XX/XXXX. I contacted the company and was told they would correct the issue. Then they called back and said they needed proof and more documents and they would " review '' and decide. It is a violation of Federal law for them to be doing this. I stated I would file suit and these need removed. I was told they offer a service to remove them. That is extortion and another violation. Additionally this is a XXXX violation because she stated they have my medical records and can send them to me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Debt collection (Payday loan debt) with CURO Intermediate Holdings (MS).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I had an online payday loan from speedy cash for XXXX. My payback was for XXXX. My personal information was given to a third party agency without my permission. I did not authorize my information from speedycash.com to be given to a creditor ( XXXX XXXX XXXX XXXX , XXXX ). I could no longer contact speedycash about my account because it was sold to a creditor without my permission. My rights were violated by both speedycash.com and XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Mortgage (Conventional home mortgage) with Specialized Loan Servicing LLC (PA).
Issue: Struggling to pay mortgage

Complaint: The prior mortgage servicer canceled an existing home owners insurance policy and force placed insurance. this increased the escrow portion of my mortgage payment and has since resulted in a large escrow shortage. Also the current servicer has approved a modification that is unaffordable. The offer is   XXXX   months at 4.625 % deferred  XXXX ,  UPB  of  XXXX  p & i of  XXXX  escorw of   XXXX with   XXXX  down

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 03/25/2017 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Settlement process and costs

Complaint: I spoke w/ the XXXX. I am working on traveling out to Washington to tell my story about all the years of pretender beneficiary " XXXX Bank '' and pretender lender loan servicer " Ocwen Loan Servicing '' fraud servicing abuse which has caused me serious health troubles which landed me hospitalized for months. I will hold Ocwen Loan Servicing and XXXX Bank fully responsible for all damages. Ocwen Loan Servicing and its robo-litigation puppet refuse to be honest and stop committing fraud against me, they all continue to harass me sending many fraudulent invoices using fraudulent trustee sales. Ocwen Loan Servicing litigation robo-start has been spinning and cherry picking responses to my many consumer complaints. Ocwen Loan Servicing employees can not stop themselves from committing fraud against Innocent victims, they have no control over mind control. CFPB seeking fines from Ocwen constentaly will continue until the end comes and Ocwen is permanently shut down and all its minions are brought to justice just like XXXX XXXX XXXX. Ocwen Loan Servicing and its litigation lawyers love crooked XXXX and all are scum of the earth.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: collection agency -afni -amount XXXX -this goes back to 2015 -the company is XXXX -i cancelled them in XXXX 2015 -owing them nothing -in XXXX 2015 i recieved a letter stating, that they terminating my service due to none payment -this the XXXX collection agency -all i wanted is an itemized biil -which no one can prvide me -if they did and i felt i owe this, id have pad this by know -but instead they chose to report me to the credit reporting agencies - this time its XXXX - maybe you can forward tis to themm, and advise of further actions i can take against afni - thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with HOVG, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: BAY AREA CREDIT SERVICES VIOLATED MY FCRA RIGHTS. They INACCURATELY reported to XXXX XXXX on XXXX XXXX, 2015 on an old COLLECTION account. Bay Area Credit Services reported to XXXX XXXX as a New Account. This is highly illegal for any company to report as a New Account. This account was generated originally over 5 years ago and was part of a Chapter XXXX Bankruptcy. Not only did they violate FCRA rights they also NEVER advised me of any reporting. Clear VIOLATION OF MY FCRA RIGHTS.

Company response to consumer: Closed with explanation