milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-02-2017 about Consumer Loan (Vehicle loan) with Coastal Credit, LLC (CO).
Issue: Taking out the loan or lease

Complaint: Coastal Credit,XXXX, XXXX, CO XXXX, issued a loan to me for a XXXX. I purchased the XXXX from XXXXXXXX, XXXX, CO XXXX ( Exhibit A ). I returned the vehicle prior to 3 business as the dealership violated the Law of the State of Colorado. I contacted Coastal Credit regarding the returned vehicle and instructed them to withdrawal their EFT payment to XXXX. The company refused. I hired the law firm of XXXX, XXXX, XXXX, XXXX, to defend me regarding the actions of XXXX employees ( Exhibit B1 and B2 ). In addition, I contacted State of Colorado Criminal Investigator, XXXX, to file a criminal complaint against XXXX. Attorneys for XXXX agreed to settle out of court and refund Coastal Credit for the cost of the loan. I continued to pay Coastal Credit timely payments until the lawsuit terms indicated I no longer had to as Coastal Credit was made aware of the fraudulent loan within 3 days of the purchase of the vehicle. However, Coastal Credit refused to honor Colorado law and victimize me further. Moreover, the State Criminal Investigation did conclude my rights were violated and XXXX was to refund the cost of the car ( Exhibit C ). I complied with State Law and made payments to Coastal Credit, returned the vehicle to Coastal Credit as I was directed by the court to do and I was not required to make any further payments to Coastal Credit. Coastal Credit failed to file theft charges against XXXX or recall the loan. Their failure is not a failure on my behalf to have a charge off on my credit. As is consistent with Colorado Law the charge off as listed on my credit reports with XXXX, XXXX, and XXXX by Coastal Credit is a fraudulent entry must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Other debt) with The Receivable Management Services Corporation (AR).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The receivable management is trying to collect a debt from me, XXXX XXXX, inside the state of Arkansas where they are not licensed nor bonded which is against the law. I would like for this to be removed from my credit report immediately and for them to cease contact with me.

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 06/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I recieved a letter for settlement of an old debt I owed for an apartment. When I called in to accept the settlement amount, XXXX things happened. 
1. They changed the amount because there is a daily interest rate that is applied. 
2. They agreed that if I paid the amount of XXXX They would delete the record permanently. 
I agreed. 
I then spoke to my credit counselor and she told me that Paying that amount was not necessary, and I called " XXXX the next day and told him I would opt for the lesser amount and accept the " paid in full gurantee he offered me. 

Today, this account is being reported as " settled for the lesser amount '' and when I called to clarify their statement of settling in full, they stated that " settled in full is what they report and what the bureau reports is their own process ''. They made no attempt to correct the reporting, and I feel like I was tprovided flase information in order to pay the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/19/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Delinquent account

Complaint: I have a Macy 's credit card. 
Back in XXXX, I had called their agents to set up the automatic payment. I was told that my request has been taken care of. But later in XXXX, I received a non payment notice. Upon receival of the notice, I contacted the bank for more information and learnt that there is no auto payment set up on my account. They were happy to remove the late fee but are not ready to correct my credit bureau reporting. I reached them out repeatedly through various channels but they are not accepting my request. As a consumer, I do not have any documentation of the call and detail of what was discussed in the call, but I was informed on XXXX that if a payment is made after auto pay setup, auto pay set up gets cancelled, ( I was not informed about this back in XXXX ). 
I have also not received any statement after XX/XX/XXXXXX/XX/XXXX which might have told me about the amount I owe and is not paid. Macy 's also did not send any such alert as well that would have helped me as a reminder of a non payment or auto pay getting cancelled/non setup. 

I have no way to prove that I have requested any such service because this issue never happened with any other banks that have auto payment set up option.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-10-2017 about Payday loan () with ACE CASH EXPRESS, INC. (TX).
Issue: Payment to acct not credited

Complaint: In 2015 i took a payday loan from ace cash express i payed them off now they are calling me threating to sue me for XXXX dollars. I also used to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I originally consolidated all of my student loans and began repayment on XX/XX/XXXX. 
Loan was transferred from XXXX to XXXX with whom my loans stayed until being approved for PSLF program XX/XX/XXXX. During this time XX/XX/XXXX-XX/XX/XXXX, I paid an average of {$300.00} monthly on original loan of {$96000.00}. 

Following my approval and application acceptance to PSLF my loans were transferred to Fedloan Service. For the past 12 months XX/XX/XXXX to current, my payments have roller coasted from {$270.00} to {$630.00} to {$830.00} among other amounts. Fedloan reps have given me various different reasons for the changes. 

However, Fedloan does agree that after reviewing my loans I had a parent plus loan which excludes me from any IBR or ICR special programs. After asking for a copy of my original Master Promissary Note to confirm that I did check/choose consolidating the parent plus loan, Neither Fedloan or XXXX can locate the consolidating document. ( I originally thought my daughter had paid off that loan and removed it from my loans. ) I do not know if that {$9000.00} was even checked/marked to consolidate. 

Throughout these years I was never given any advice on how to consolidate or what would be beneficial to my situation, I paid my monthly bill without question. My loans now total {$110000.00} and I feel very taken by loan servicers. 

I continue to wait for a return call from Fedloan Ombudsman for his assistance on the new legislation which excludes plus loans as being a disqualifier for IBR payments. This would be accomplished through reconsolidation and result in my elimination of PSLF 3 years of payments, but lower payments, Fedloan service reps stated this was incorrect information and I could only reconsolidate if I had a new student loan. This resulted in a dead end for helping me. 

I would like to remain on PSLF and be eligible to continue on an IBR payment plan as I was prior to beginning the PSLF process.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX XXXX and XXXX XXXX are continuing place this derogatory information on my credit report. This account was paid by my insurance company.

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 05-07-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: My furnaces became non functional and unsafe on  XXXX   XXXX    XXXX    XXXX  so out of desperation I accepted the first deal that I thought made sense. I have had trouble getting in contact with a customer service agent and even logging to make a payment. I was able to login today and make a payment and I plan to pay this off by the interest deferment deadline. However, right sizing the account has been a chore. And has lead to late fees and pre interest compounding. Can someone please contact me and consider the reversal of the late charges and finance charges that I have accumulated inadvertently? Please help me right sze this sinking ship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/18/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have filed a previous complaint about this company.. I have made several attempts to get more information as to if they are a valid company to continue to take payments from me. This company called me out of the blue after I was taken to court by my apartments called XXXX XXXX in XXXX Texas. The apartments went to court in XX/XX/XXXX with informing me of the court date. They settled on an agreement and I was n't present. since this settlement I have paid a company called National XXXX System almost XXXX without even seeing the agreement that was made between them and my departments. I have requested several times for them to show proof that they are a legitimate company including XXXX lettters in the mail. I have asked for the documents that were sent to the company by my apartments on XX/XX/XXXX and I have still not recd anything. I need this company to refund me all my money back unless they can prove to me that they are legally able to take this money from me. I need this company to be notified so that they take this debt off of me or they will be sued. Attached with this complaint is the letter I recvd for the balance I owed for my apartment which was XXXX. I paid off about XXXX dollars of that and with the XXXX I have paid these apartments, that balance should have been paifd off a long time ago. I am being scammed and I refused to pay them any more money until I get this remaining balance removed from my acct.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit card protection / Debt protection

Complaint: I reported fraud regarding my credit card to Citibank on XX/XX/2017. 
( Someone had managed to cancel my card and asked to have new card sent to them in XXXX ). I was told by Citibank the card would be cancelled and a new one would be sent to me to arrive the next day. The next day when no card arrived I called back and they stated that the new cards were still shipped to the person committing the fraud and that they had used them to purchase goods at XXXX ( XXXX at Citibank Fraud # XXXX call XXXX ( for authorities only ) ). 
XX/XX/XXXX received charges from Citibank from XXXX in XXXX XXXX for {$380.00}. 
Spoke to XXXX XXXX, XXXX Citibank Fraud. She says the charges previously reported as fraudulent from last card were carried over for " accounting purposes '' to the new card. 
She also states that since " they were never before reported '' for this card " it may take 1 to 2 billing cycles to resolve '' and In the meantime I may accrue finance charges and interest until the investigation is completed. 

CFPB- I 'm not sure if they have broken any laws or regulations here, but my instinct is that beyond very poor business practices they have! 

Thanks

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 07-04-2017 about Debt collection (Medical debt) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have reach out to these oeople an the credit Agency and not happening.Ive had my identity stole.This has cause my life an credit to not succeed.please take action.This are not me.I live in XXXX Florida. <P/>XXXX XXXX XXXX XX/XX/XXXX {$470.00} XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XX/XX/XXXX {$300.00} XXXX XXXX XXXX XX/XX/XXXX These companies after serveral letters they keep restarting the collection.that not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Experian has allowed collection agencies to re-post and resell accounts to appear as new and current. And they are not new.

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 02/26/2018 about Debt collection (Federal student loan debt) with The CBE Group, Inc. (MO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Many students have been having issues with XXXX regarding the living environment and the way that the Cashiers Office, Accounts Receivable and/or the Financial Aid office assists and/or communicates with their respective offices on behalf of your account. 

An example of this comes through a friend named XXXX XXXX XXXX, who can provide her own details regarding her account in more detail, but has similarities to my own complaint in the regard of XXXXL attempting to collect funding independently on our respective accounts. XXXX has attempted to charge myself and others with amounts that are not indicated on our accounts, place such matters on our credit reports and/or send such to an outside collection agencies ( or threaten such actions ). 

Empirical evidence comes through XXXX sending such matters to outside collection agency XXXX XXXX XXXX through XXXX. Upon review, XXXX XXXX XXXX advised that debt was not accurate according to records XXXX falsified to send off to them & /or did not verify a debt was out in accordance to the times that the student was a student on campus. 

Additional complaints to CFPB involve XXXX to take threats of action from retaliation from OCR complaint ( please contact Department of Education ), as well as XXXX - Case # XXXX, that additional information can be found in reference numbers XXXX & XXXX. 

The most recent letter that bringsawareness of this practice by XXXX comes from collection agency, " The XXXX XXXX, XXXX '' Where XXXXL, " XXXX XXXX XXXX XXXX XXXX '' is named as the, " Creditor '' for Account Number, " XXXX XXXX '' & CS Number, " XXXX '' with Reference Number, " XXXX ''. They are attempting to gather funds that were previously sent to XXXX XXXX XXXX from XXXX. The current amount due is XXXX. 

Other individuals have had these matters occur and had their credit damaged as I have through this practice, yet their amounts have escalated and even skyrocketed into the tens of thousands, yet started off similarly to the amounts I have indicated. At present I have no way to enter campus to resolve such matters, while defending myself again assault which occurred on campus. 

Matter is currently a form of harassment for speaking out against practices that went against the XXXX XXXX XXXX 

Matter is referenced in XXXX XXXX & XXXX XXXX Releases from XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had 2 lates on my XXXX XXXX dated back XX/XX/XXXX. I was a victim of identity theft in which my accounts were compromised, as a result, I had to close them down. A police report was filed. 

XXXX refused to remove the lates of my credit 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 04/28/2015 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Our home ( primary residence ), as a result of 2008 crisis, was sold at a Short Sale. The home is located in Arizona, an anti-deficiency state. More than 2 years has elapsed and our credit is now reasonable ( XXXX ) per credit karma but each of the XXXX reporting agencies show the mortgage debt which was with XXXX XXXX Bank as " Settled for less than full balance ''. My understanding is that applicable law in anti-deficiency jurisdictions is that the language under these circumstances should be ( Paid as agreed } and while I have exhausted every complaint and supervisory board request involved with XXXX XXXX, XXXX and Equifax, none has agreed to alter the statement concerning my short sale to Paid as Agreed. it is my understanding that since a borrower is not personally liable for a loan such as this, it is inaccurate for the lender or the credit reporting agencies to report the short sale as anything other than " paid as agreed ''. The XXXX XXXX loan was # XXXX with a physical address of XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, Arizona XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit card () with CITIBANK, N.A. (IL).
Issue: Transaction issue

Complaint: I was looking at " pending transactions '' on my smart phone and web browser and noticed that a transaction from XXXX XXXX, for a hotel stay, was still in pending status. I contacted the general number, and wanted more information regarding why it was still pending. The representative and I discussed the pending transactions but the pending transaction for XXXX was not on the company 's list. Meaning on all of my devices I see the " pending charge '' for {$100.00} for XXXX XXXX XXXX, but this is not on Citi 's system. During our conversation, the rep also mentioned a " pending charge '' from Best Buy for around {$700.00} which is not on my list of " pending charges ''. 

I am greatly confused regarding the difference between what consumers see as " pending charges '' versus what Citi sees as " pending charges ''. This also brings confusion to what actually my current balance and available credit limits are.

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 11-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (VA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX E-Mail : XXXXXXXXXXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX : TD Credit Card XXXX XXXX : Work Item Number : XXXX Ref. No : XXXX XXXX XXXX, XXXX are the following items that I am continuing to dispute for the following reasons : XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX for tickets to the Jazz Festival that were sent to me by mail XXXX month after the event. 
XXXX. XXXX/XXXX/XXXX XXXX XXXX for office supplies that were delivered to the wrong address and left by the XXXX. 
XXXX. XXXX/XXXX/XXXX XXXX Deals XXXX} for a drone that was purchased as a gift for my grandson that was also left at the wrong address. 
XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX this was an order that was placed through my XXXX account that was hacked, we did not place this order. 
XXXX. XXXX/XXXX/XXXX The XXXX XXXX} for XXXX concert tickets that were never used as the concert was an hour and a half late getting started. We left after waiting over an hour and requested a refund of the tickets. 

I have sent his information last month by mail and it was lost or is sitting waiting for a response. I would like for someone to call me at XXXX XXXX XXXX XXXX to acknowledge receipt and to conclude this matter asap. 

Very Truly XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Mortgage (Home equity loan or line of credit) with U.S. BANCORP (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I recently filed a complaint about US Bank. They held the second mortgage to a home i owned, and I tried and tried to get them to modify my loan, but they never even said yes or no at the time. I ended up losing that home. 
US Bank sent me something in the mail. They sent me a copy of a note I signed, stating and agreeing that I wold NOT take the XXXX dollars I could have got from their line of credit. They call this their " loan modification ''. 
WHAT A JOKE! ... ... .... I have been a realtor for over 20 years, i know a little more than the average person. 
- In reponce, I called US bank up last Friday, XX/XX/XXXX. I had to talk to XXXX people in XXXX different departments, i kept getting tossed from one rep to another rep.. etc. 
Finally, one rep said.. " oh. im reading here that we kept asking you and asking you for documents, and we never got them ''. so your loan modification was denied ''. 
NOW I remember what happened. i was completely eligible for a loan mod. the investor was XXXX! i had a TRUE hardship ... I became XXXX to work! ... .. I emailed US bank most every day, the rep was okay. 
but- now they say I did not get a loan mod was because they didnt get the paperwork? - I faxed them ALL paperwork. Then they said they didnt get the fax and faxes. I had to XXXX with proof of service directly to their physical office.. I still have this paperwork, and proof that I XXXX it to them. 
i really miss my house. If they had only done a loan mod, like most banks were doing, maybe I could still be happy there. I am a XXXX year old woman.. i was planning to retire there. US BANK was unethical and illegally denied me a loan modification.

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