milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I received a copy of my credit report from Experian and XXXX XXXX and per review, a stated public record is listed to my report for Bankruptcy. I sent a certified letter to Experian and XXXX XXXX on four different occasions requesting an investigation for state public record listed to my report. I requested Experian and XXXX XXXX Credit Bureau to provide me with copies of all documentation associated with these accounts and Public Records accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " PUBLIC RECORDS '' needs to be IMMEDIATELY DELETED from the credit file they maintain under my name and social security number. Their reply stated, per attached states, " Unless you send us additional relevant information to support your claim, we will not re-investigate this information again. '' Not only was there not an investigation, they did not comply with the FCRA Law to furnish to me the original documents bearing court order or my signature. I also, received a letter from U.S. Bankruptcy Court of Washington stating " The U.S. Bankruptcy Court and public records does NOT report information to any credit agency. '' I am aware that this would be a direct violation of the Privacy Act. Experian and XXXX XXXX is not only in violation per FCRA law, but they continue to attempt to verify said information through a Third Party that I did not give consent to place to my report if so. I am requesting an immediate removal of public record information of bankruptcy and any public accounts to my report referencing Bankruptcy information.

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 02/14/2017 about Bank account or service (Other bank product/service) with CITIBANK, N.A. (FL).
Issue: Account opening, closing, or management

Complaint: On XX/XX/2015, Citibank NA issued a tiny check to me as refund for " certain fees [ that ] were billed by Citi during periods when not all of the program benefits were provided. '' This is in association with the {$700.00} XXXX in penalties levied on Citibank in XX/XX/2015 for misleading consumers into buying services they did n't need, did n't know they were paying for, or did n't do what the services purported to do. 

I found the misplaced check today and even though it was a very tiny check, called Citibank to see if they could reissue it. 

The number I called that was listed on the check led me to a phishing effort in another country that tried to get me to give them my credit card number in return for a " {$100.00} gift card to XXXX. '' I then called Citibank Customer Service, which took a great deal of searching and re-calling in order to actually talk to a human. After literally 90 minutes with a call center obviously staffed in XXXX XXXX, I was told they had no idea what this check pertained to and could n't help me, but maybe I could take it into a branch. 

Granted, this is a tiny check and barely worth my time -- but what interests me is that Citibank, having scammed some XXXX customers in XX/XX/2015, is now claiming that they have no idea that that issue existed, that refunds were issued, or that they have any responsibility for the refund. 

It seems to me that Citibank is compounding the original fraud. And while my unrecoverable tiny refund check is not all that important to me personally and would barely cover the cost of a cup of fancy coffee, Citibank 's disingenuous behavior regarding this issue does matter, potentially multiplied by a few XXXX consumers.

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 11-04-2016 about Consumer Loan (Title loan) with Sportsman's Credit, LLC (LA).
Issue: Payment to acct not credited

Complaint: Lender Sportsman 's Credit, LLC agreed to drop my payment to {$350.00} due to me having to pay the IRS every month. I have been paying {$350.00} for almost an year know. Well lender XXXX XXXX had a real bad attitude on XX/XX/2016 and told me I have been paying partial payment and that I 'm {$1800.00} dollars in late fees. I did n't know anything about this. He also got mad and told me he did n't want my tragedy XXXX car and to go ahead and file bankruptcy like my friend did which I did n't not know.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2016 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: This is not the first time I have filed this complaint with you concerning this matter. Information From XXXX that should have been removed off my credit report since XXXX XXXX. I missed XXXX loan payments XXXX XXXX thru XXXX XXXX my loan was modified XXXX XXXX have never missed a payment since modification. XXXX sold/transferred my loan 4 years later XXXX XXXX to XXXX my current lender. Experian was contact by me several times. Their answer was that when my loan was sold/transferred to XXXX on XXXX XXXX. I must count 7 years from the sold/transfer date and not the date the account first became delinquent which was XXXX XXXX they will remove late payment off my credit report XXXX. This means I would be carring this negative information for 11 years. I have search high and low and can not find anywhere that this is the law concerning sold/tranferred loans. If my loan is sold/transferred tomorrow does this mean I start over again the seven years? I would like for this to be removed it is over due. A new credit report to show removal.

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 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with MidAmerica Mortgage Inc (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Mortgage was transferred to another bank and incorrect charges were applied to my payments. I was in contact with the bank for almost   XXXX   months and then they reported me to the credit bureau. I attempted to refinance my mortgage and found I had been reported as delinquent by  XXXX  days for  XXXX  and  XXXX    XXXX  . I have since received a letter from the company apologizing and stating they will notify the credit bureaus within  XXXX  days. I need this resolved as this is the only adverse information on my account and I need to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I submitted applications for Income-Driven Repayment ( IDR ) and Public Service Loan Forgiveness ( PSLF ) on XX/XX/XXXX. Around the same time, my loans were also consolidated. 

The IDR was supposed to limit my monthly payments to 10 % of my monthly income, but my payments were only lowered to about 24 % of my monthly income. I called multiple times to inquire about this, and was ultimately told that my total loan amount was so high that it would not be possible to limit my payments to 10 % of my monthly income. I was reassured that I was enrolled in the PSLF program, however. On XX/XX/XXXX, I called about a different problem, and decided to ask about this issue again. This time, I was told that my IDR application was received but never processed. There was no further explanation. I was told that my initial application ( the one that was received XX/XX/XXXX but ignored ) had expired, so I submitted a new application that day. I was told again that I was enrolled in the PSLF program, though. 

On XX/XX/XXXX, I called to check on the status of my new IDR application. I was offered the option of postponing my current month 's payment until the new IDR application was processed, and I asked if that would affect my PSLF payment plan, since I am supposed to make consecutive monthly payments for ten years to qualify for loan forgiveness. I was then told that I was not enrolled in the PSLF program. I was given a different phone number to call to verify this. I then called that number and reported that I had submitted my PSLF application on XX/XX/XXXX and I provided the fax number I had submitted it to. I was told that, while that was the correct fax number, my application was never received. Again, I submitted a new application XX/XX/XXXX. 

My total federal student loan amount is over {$400000.00}, and I have already made XXXX ; {$20000.00} in payments in less than a year. I am extremely concerned that over the course of multiple applications submitted and many phone calls made, I have essentially been lied to about the status of my applications and the reasons for why my monthly payments are so high. Even if I had not been lied to, I now have XXXX applications that were never processed for unknown reasons - the IDR that I am told was ignored and the PSLF that I am told was never received. I am reaching out to the CFPB because it is impossible for me to advocate for myself when I am not even being given accurate information by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Credit card () with AMERICAN EXPRESS COMPANY (MA).
Issue: Closing/Cancelling account

Complaint: I had requested several times for American Express to close my credit card. It was a gold card with no prepaid spending limit. It took them three times to close the account and I finally received a letter on XXXX stating that per my request the account had been closed. The following day I received another letter stating they cancelled my account due to a past due balance. They have attempted to report to the agencies ( credit bureaus ) that they closed it not me which I believe to be fraud. I will acknowledge that I due have a balance and an attempting to make a payment plan with them. They will not budge American Express does not work with the clients they work against them. I contacted Amex and explained the situation in regards to the letters they deny ever sending me a letter stating I had closed the account. I have it in my possession. I informed them that I was filing a complaint against them and that fraud is involved on there part. I have the names dates and times I spoke to someone in regards to my over due balance. All I have gotten is the run around. To add insult to injury they even charged me membership fees of {$190.00}. If I closed the account and have asked several times before to close it why would you charge me membership fees if the account is either as they state cancelled this is larceny on their part. I have always made my payments to my accounts on time this year has been difficult for me due to illness and the fact that a company named XXXX me for a loop and my accounts were in limbo. I was going to do debt consolidation and came to find out thru your website that the company they use to process the payments had been fined by your organization. Second of all when I informed Amex of this they informed me that they do n't work with debt consolidation companies. So how can one state they have settled accounts with them when they do n't work with them. 

I am requesting a complete investigation into the practices at Amex. I want to make an agreement to pay the balance owed to them for a reasonable amount of money every month. I am on a fixed income and believe it or not they are the only credit card I have with a past due balance I have worked to an agreement with all my creditors to make my monthly payments. Thanks to XXXX who told me to close my accounts my credit score has gone down hill. They made the situation worse. Then to add insult to injury Amex has made my life unbearable. 

I would appreciate it if the CFPB could investigate this issue and get back to me. I want the correct notation be made to the credit bureaus " THAT I NOT AMERICAN EXPRESS CLOSED MY ACCOUNT '' They should not be allowed to get away with doing this to me or other consumers. I have been waiting since last Wednesday for a representative from Amex to get back to me with a response to this and they have yet to do so. I await your decision and hope that we can rectify this problem as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I am being charged XXXX times a month {$24.00} for credit monitoring and I can not get thru to the company to fix incorrect charges

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 02-12-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Please note that XXXX did adjust the incorrect issue, however they continue to add phone numbers on my personal information that are not and never have been mine. The following telephone numbers I have asked to be removed and they have not done this. They are in Texas XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. In regards to Experian they correctly placed me on a 7 year fraud alert, then the following month, placed me on a reduced 90 day fraud alert, why they did this I do not know, but this is incorrect, I should remain on the 7 year fraud alert. I have recieved confirmation from XXXX, and Experian, I never received any confirmation from XXXX on the status of the 7 year fraud alert.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-08-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Jim Bottin Enterprises, Inc (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I joined the Crunch Gym in XXXX Flo5rida. After 1 month I decided to leave. I spoke with several managers there and they told me I could not leave until after 90 days. I told them I was not told this orally nor signed any contract to that effect. In fact there is No written contract. Now I am receiving harassing phone calls, text messages to pay for services I do not owe any money to this gym and have received a collection letter from XXXX XXXX and " ABC Financial Services. '' I never signed any contract nor agreed to any terms of use. They are constituting fraud and are harassing me repeatedly. The last text I received from them was on XXXX/XXXX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2015 about Credit card () with AMERICAN EXPRESS COMPANY (MO).
Issue: Forbearance / Workout plans

Complaint: We appreciate this opportunity to file this complaint.This is an overview of our point of view in our dealing with AMEX. we had been paying on our account in a timely manner. in the fall of XXXX we made a payment 1 day late. We have been in the XXXX business for 30 years. The winter of XXXX was extremely harsh. we were unable to perform roofing work because of the adverse conditions. we made our XXXX payment of about {$14000.00}. This is a considerable amount to pay without being able to perform much work.In XXXX we made our payment of about {$16000.00}. again this is a considerable payment to make in the winter months without much work. AMEX allowed us a no pre-set spending limit. In XXXX we obtained work then ordered materials to perform the work. AMEX declined the cc charge with no warning. 
As a result we needed to obtain resources elsewhere to purchase materials. This was necessary for us to continue to have our business and make an effort to make a living. Our business was severely crippled by their actions. 
About that time we were told that our pay over time would not be available. We were also told that our credit limit was lowered considerably.These actions were done without notice. So now instead of being able to make our payment to AMEX it has been necessary to obtain funding from other sources in an effort to remain in business. That being said it has been not been possible to make a payment to Amex. 
We have talked to the AMEX representatives on several occasions. On the XXXX occasion we were told everything was determined with " ratio 's '' and with " formula 's ''. The representative wanted to know how much we could pay. When i replied, it was NOT enough. When i was asked when we could pay. When i replied, it was NOT soon enough. This belittling dialog went on for some time. We are a business and human beings.We should be treated as such.Not as " ratio 's '' and " formula 's. 
On another occasion i was treated in the same manner. We were told that AMEX could do what they wanted, the representative was sure that it was in the " fine print '' somewhere! 
We are not " deadbeats ''. Our track record with AMEX goes back to XXXX. They should take that, the winter weather conditions, and our determination not to lose our roofing business into account.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: to whom it ma concern ; I have mailed multiple letters to all the CRAs onXX/XX/XXXX by certified mail in regard to the accuracy of the bankruptcy on my credit report. They received the letter right away on XX/XX/XXXX and replied after 2 days that it has been verified and that its mine through XXXX XXXX. I called XXXX XXXX to confirm if the CRAs indeed verified it and they said no one called them and even XXXX XXXX  ca n't verify all my information since they do n't have enough datas, not even in my public record that matches on their system. I am a wife of a United States XXXX and literally left our lives behind in service for this country and I ca n't believe this is how they treat us. We are about to end our military service and planning on building my credit to purchase a house for my family and this report is hurting my credit score. under the new law effective XX/XX/XXXX, any public record data must include name and address as well as SSN or DOB in or for it to appear on my credit file. The credit bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Debt collection (I do not know) with National Credit Systems,Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: National Credit Systems refuses to send me documentation proving that this debt is mine. They are unprofessional and I believe this company to be a fraudulent den of thieves. The manager XXXX XXXX hung up on me when I simply requested documents to prove this debt is mine. After, I called back after being rudely hung up on and spoke with a " XXXX XXXX '' who told me that paperwork was indeed sent out. This was weeks ago and I have received nothing from them.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2016 about Debt collection (Non-federal student loan) with URS Holding, LLC (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I am a XXXX and a single parent who makes only XXXX an hour. I have been trying to get on a payment arrangement and they keep denying my request. On both my XXXX and XXXX credit report, the collection company by the name of Enterprise Recovery Systems, is claiming that I owe {$24000.00} which is all incorrect. The only amount I can pay them is {$25.00} a month. The first time they notified me about this debt, I took the time to respond within the 30 days granted to the consumer to dispute the validity of the said debt. I even called and spoke to someone and was told that if I made a payment that it will not be reported to the credit bureaus. All I can afford is {$25.00} a month. I was threatened and told that all they can accept is {$250.00} a month. They keep calling and harassing me. Disguising their numbers as if they are calling from NJ. I even lost out on a government job offer because of this. These people are damaging me and causing me emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received a dunning letter from National Credit Systems Inc. for an attempt to collect a debt. 

XXXX/XXXX/XXXX I sent them a letter requesting debt validation, and supporting documents that I aggreed to do business with there company. 

XXXX/XXXX/XXXX I received a letter from them, but they did not verify the debt or have any documentations stating that I agreed to pay there company and or did business with XXXXational Credit Systems XXXX/XXXX/XXXX I received a notification that this collection was placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Bank account or service (Checking account) with BANK OF THE WEST (MN).
Issue: Problems caused by my funds being low

Complaint: The bank charged outrageous fees and has predatory overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-07-2017 about Mortgage (FHA mortgage) with Gotmortgage.com (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: We gave an approval letter to our borrower who made an offer to XXXX XXXX XXXX who is with XXXXor XXXX XXXX XXXX. The Listing Agent wanted us to talk to XXXX XXXX ( Preferred Lender of XXXX ). We gave all the documentation that they required to pre-qualify our client. XXXX XXXX, 2017 they questioned the buyer 's agent whether or not we can fulfill the pre-approval and can cover closing cost to the borrower. We later found out that the only way the listing agent will accept the buyer 's offer is if we use the listing agent 's preferred lender. We later found out XXXX is not a licensed loan officer and when asked by the agent he later said that he was the branch manager of XXXX. We also could not find an XXXX number for him. XXXX also has a their XXXX license revoked this year in XX/XX/XXXX. Subject property address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX.

Company response to consumer: Closed with explanation