milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-12-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received one letter and the next week a collection account was placed on my credit reports. The account in question has been has been proven to have been opened in my name fraudulently by someone else with the previous collection agency that tried to collect from me years ago. ERC did not even send me a debt validation notice to allow me to ask for validation which is required under the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 09-12-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I was sent a promotion to open a Citi Gold account @ Citi bank. This was a unique promotion code, and not a generic one, probably based on the fact I had a credit card with them. 

My part of the offer was to open an account, spend {$1000.00} within two months, and pay some bills with it. 

i went to the citi branch in XXXX NY, and account was opened in the end of XXXX 2016 ( from some reason, they opened a saving account in addition, although I did n't request that ), and when I called sometime in XXXX ( after 2 months ), they said it did n't kick in just yet. 

Upon following up again, they said I did not fulfill the agreement, and I was supposed to pay bills with their online bill payment system, not with the brand new gold debit card they gave me. 
I have yet to find what they are basing this on, and I was clearly not aware of this, nor the branch where I opened it ever instructed me to do so. 

Multiple disputes were denied, although, most reps I spoke with, said I deserved those points. 
With every denial, I got a letter, saying if I want to reach out to them, I should call customer service, which is total useless, as they ca n't do anything. Sometimes they were rude, sometime nice, but always clueless, and powerless to do anything, resulting a loop, where I can never present my case. 

Giving up on their " justice '', I closed the account, and now I am waiting to receive my check for the remaining balance. This check did not arrive yet, but I heard stories ( on their facebook page ) that those check are a hassle as well. 

In my final attempt, I reached out to their social media team at XXXX, and there were very understanding, followed up in a professional manner, and tried their best to help me, along with open another dispute. 
They identified with my situation, and were very understandable. 
In our conversation a compromise was brought up, that I will pay two future months bill payment via the online service in order to complete the requirements ( as seen by the promotional team ). 
Apparently, this was not possible as well, so I was left with no option but to close the account and reach out to Consumer Finance. 

I appreciate your time, please feel free to contact me with any more info needed. 
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 non-monetary relief
Consumer complaint received 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I 'm filing a complaint because the credit bureau is documenting that I have a Judgment with a company called XXXX. I verified with the Court and they told me that they do not report to credit bureaus they also verify that the items that is placed on my report was pulled from a third party not them at all therefore it must be deleted. And also once it is deleted I am requesting that proof be sent to me please send proof to my email address at 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 non-monetary relief
Consumer complaint received 05/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received notifications from XXXX XXXX, XXXX, XXXX, and XXXX that my personal information had been hacked. I have been disputing several accounts with XXXX, XXXX, and TransUnion for almost two years. I now know why there is a class action lawsuit filed against XXXX, XXXX, and TransUnion in several states for not properly investigating consumer disputes and for listing inaccurate information on credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/15/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Have been trying to change terms of loan from XXXX to XXXX with much resistance for over 30 days. Have called 3 times and each time they extend the time that the new XXXX term will take effect. I have employee numbers, names and specific dates and times that I have tried to take care of this. My account is in good standing. I do not understand why they can not make this change when it is something that I am allowed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Mortgage (Other type of mortgage) with PROPEL FINANCIAL SERVICES LLC (TX).
Issue: Struggling to pay mortgage

Complaint: Called Propel Financial Services to discuss late payment on property tax loan and I was told by customer service representative that my property is in the foreclosure stages. I have NEVER received any type of certification via mail stating such and there has been no period offered to " cure '' or notice of. No correspondence of any type has been mailed or communicated other than the verbal via a phone conversation from a rude male representative ( X/XX/2017 ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The balance has been paid in full since XXXX XXXX. The collection agency, which I assume is out of business. Called the XXXX XXXX and keep getting run around.

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: My bankrupcty was dismiss XX/XX/2016 all creditors were paid by me XXXX removed this from my report. I am disputing this again. it should be removed since it was cancelled and creditors paid

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ONEMAIN FINANCIAL HOLDINGS, LLC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: In XX/XX/XXXX, I requested a copy of my full credit report, that 's when I noticed that they were inquiries on my report that I had not applied for ever. Since this came to my attention I have requested by certified mail onXX/XX/XXXX, from One Main Financial to provide me with copies of any documentation associated with this account bearing my, signature, authorizing an inquiry. Again I sen another certified mail dated onXX/XX/XXXX attempting a final goodwill gesture to allow One Main Financial to contact their erroneous reporting, and they did not do so. I also sent a certified mail to XXXX dated XX/XX/XXXX, and nothing has been done this stills continues to show on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2016 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I 've filed XXXX previous complainsts againt bank of America in the past 30 days. bank of America has just placed a negative rating on my credit file. bank of America NEVER sent a change of my mortgage payment to me. Instead bank of America kept sending me letter that the mortgage was late. I called bank of America and spike to XXXX in which he verified they received my payment of {$800.00}. XXXX NEVER discussed anything with me further. 
After I received a certified letter from bank of America I called them again. I was then told there was a change in my mortgage payment. I told the rep why was n't I told when I called previously. She had no answer. I also told the rep instead of the bank sending my a certified letter stating my mortgage was delinquent, why did n't someone call me to let me know my mortgage payment changed and they needed more money!. Bank of America KEPT my mortgage payment that was made of {$800.00} and NEVER applied it. This is very poor business and there mistake is showing negative on my credit!!!!!

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 07/19/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have presented an Afidavit from XXXX XXXX XXXX XXXX regarding an erroneously reported {$1300.00} State Tax Lien that simply states that the lien should never have been posted and has officially been deleted from their records. In addition, the court asks that all credit bureaus remove the lien in the public record 's section as it never should have been picked up the bureaus. Both XXXX and XXXX immediately removed the lien and my scores rose close to XXXX points. Equifax refuses to comply, refuses to escalate my calls, emails, and mail to a supervisory level and refuses to offer an explanation or afford my wife or I the opportunity to discuss. I have also filed a complaint against Equifax with XXXX XXXX XXXX, Chairman of the XXXX XXXX. Equifax 's XXXX Mortgage Score XXXX is below my mortgage loan threshold so I 've had to personally spend my IRA money to finish my retirement home after 40 years of XXXX. Equifax 's refusal to comply with the XXXX XXXX of XXXX XXXX will cost me more than {$2.00} XXXX of my life 's savings and IRA. Their ability to negatively affect any US citizen 's life without any accountability is unacceptable. In my opinion, the laws regarding the for profit credit bureaus need to be changed and Equitable should lose their right to issue credit ratings. Essentially, they are ignoring the court 's request, for no valid reason, and seriously affecting my life. They seem to be going out of their way to destroy my finances ... because they can.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (MN).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for loan was told one thing it turned out to be another I was told it would be taken out once monthly instead they called me and told me that it would be deducted twice a month and the markup was 200 percent. I told them that that was predatory lending. and that I would be contacting the proper authorties

Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Capital one closed my accounts ( two accounts ) after having a returned payment. This was the first and only returned payment I have ever had. This returned payment was because I tried to make a payment from my savings account instead of a checking account, which I did not know would be a problem. Capital one did not reach out to me or contact me in anyway before closing my account. I called them and was told my account was closed due to multiple returned payment issues, however they confirmed that was the ONLY returned payment issue they had on my account. Also they closed my other account that was n't even the account I made the payment on. I was told by a supervisor that these are reviewed by fraud and fraud department researches and makes contacts before closing accounts, however I was never contacted by anyone. Capital one has advised there is nothing they can do at this point and can not reopen an account, but instead offered to assist me in completeing an application for a new account. I spoke directly to their fraud department and they comfirmed they were unsure why it was closed based only on one returned payment. The rep offered to open an investigation to get further details and see if it could be reopened. She advised she would personally call me back within a few days, I have not heard back from her. This has negatively impacted me because a closed account is a negative impact on my credit report. It seems as though they are using this as a loop whole to close accounts, which will negatively hurt people and then get them to sign up under a new account. Having a closed account looks bad on a credit report and it also shortens the length of time for account history. By them trying to make me open a new one, that would make my account history start over.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Checking or savings account (Checking account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: My account was overdrawn by 2 two week old checks costing me XXXX in overdrafts that I can afford. This was TD Bank. I called and explained the situation to them. I spoke with the bank and at the time they said they could refund one of the fees. An hour later they still did not refund it. I called back and they turned the story around and said that they can not refund the XXXX. They flat out lied. Everyone has tough times and I was actually excited about getting the XXXX back. That means alot. I am very upset about being lied to. And would like at least XXXX back

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-10-2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: This is regarding the mortgage account mess created by Wells Fargo.. 
The co-mingling funds from my mortgage account to pay a balance of {$150.00} for an escrow amount for a lapse in property insurance coverage, in spite of the fact that my mortgage account is not an escrow/impound account. I was told by a customer service representative that apparently there is 1 month 's mortgage sitting in a " suspense account '' somewhere as they claim I skipped 1 month 's payment, which I 've no idea what are they doing with my funds and completely ruined my mortgage account balance. There are all sorts of discrepancies on my mortgage account that I have lost count on what to fix first. 
Now, I 'm being asked to pay {$150.00} amount AGAIN to bring my account current as that amount it shows in my account history has already been deducted from my mortgage account earlier. This is utter confusion and frustration dealing with Wells Fargo Mortgage. 
Why am I being asked to pay that amount again? Why is my mortgage payment in Suspense account? Why is my full mortgage payment being broken up? Where is my mortgage payment ending up? I 've more questions than answers from Wells Fargo. 
This bank has done shady and unscrupulous things to my account. 
See attached screenshots..

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 11-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have obtained several emails and had countless phone calls from XXXX, representing a client that owns apartments buildings, in which I lived in for a period of time. During the time of me living there, there was a flood, in which the apartment was found uninhabitable, and my insurance company paid out a tremendous sum to the non named Apartment Complex during the claim in which no one admitted fault. ( The flood happened while I was not home ) After my insurance company paid the claim. I received very specific documentation that I was relinquished of any and all obligation I had toward that Apartment Complex. Specifically, any and all forms of payment I owed to them. This Document I obtained surely speaks for itself. Yet This Company is still after me for more money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: As with complaint # XXXX, I am unable to receive my credit report even when answering with correct information. I have to tried to get small loans only to be rejected for prior loan ( s ) I 've never taken out. This may for student loans as well but I 'm not completely sure. I ca n't dispute any fraudulent charges if I ca n't receive or review my current credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2016 about Debt collection (Mortgage) with Specialized Loan Servicing LLC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I had an account with SLS under account number # XXXX which was a secured credit line for my home. This account was transferred from XXXX XXXX to XXXX on XXXX, 2013. This loan had a maturity date of XXXX, 2013 and during the month of XXXX, 2013, I called my lender and asked for a loan modification in order to extend the maturity date. I was told that it would be a simple process and kept making payments beyond the maturity date ( checks were accepted by SLS and cashed until XXXX, 2013 ). I was not told that the loan modification would take one year, that I would be reported late, and instead, I was told to continue making payments after XXXX, 2013. On XXXX, 2013, however, SLS stopped accepting my payments and they started to report me as late until they completed their loan modification process. They were slow, negligent and mishandled the loan application process to my detriment. They extended the loan maturity date of XXXX, 2013 by continuing to accept my payments and should not have reported me late to the credit bureaus. I am requesting that they remove all derogatory remarks from my credit report, given that I relied on their statements, I continued to make payments beyond the maturity date, as agreed, I was not told I would be reported late if I went through the loan modification process, and they took 12 months to process the extension, which was eventually granted, but by then I lost my home, since I was not able to refinance due to their negative credit reporting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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 have on more than two occasions requested that Experian remove an alleged bankruptcy reported under my name in their credit files. My own composed letters to Experian has repeatedly asked for validation and verification of the alleged bankruptcy and they have corresponded that the bankruptcy has been verified from the company which provided the information to them. I am demanding the company which provided this information to Experian about an alleged bankruptcy be revealed to me, the consumer. I will in turn perform my own reconciliation with any and all companies ( Experian and other companies ) to ensure the information is factual which is being reported under my name, XXXX XXXX, XXXX. I am very frustrated with Experian and their lack of diligence. Because this incorrect information is being reported in my credit file, credit offers and other financial entitlements are not being executed.

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 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSWORLD SYSTEMS INC (MD).
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 disputed a collection with XXXX several times in the past year. The collection agency is Transworld systems Inc. 
XXXX XXXX XXXX XXXX, DE. XXXX I have disputed this debt with XXXX several times in the last few years. Every times it comes back as verified by XXXX. I have contacted the collection agency several time over the past few years as well, every time they say that they have not received the validation or verification of their debt from the original creditor XXXX XXXX XXXX. I contacted the original creditor and they have stated that they have no information regarding this debt and are not able to produce the necessary paperwork. 

I have informed Both XXXX and Transworld Systems Inc. That if this information is not able to be verified by the collection agency and the credit bureaus that it should be deleted from my account and that if it is to be verified and validated that I would be willing to take take of the matter ASAP. 

This negative information is hurting my credit worthiness and I have been trying to resolve this issue for to long of a period for it to not have been verified, validated, and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2015 about Credit card () with SYNCHRONY FINANCIAL (TN).
Issue: Delinquent account

Complaint: this account was to be deleted from my credit report as charges was unauthorized and today XX/XX/XXXX still showing on my credit report XXXX XXXX I was told than in less than one month charges were to be deleted from the credit bureaussynchrony bank/lowesSYNCHRONY BANK/LOWESXXXX .... 
{$2300.00} as of XX/XX/XXXXClosed. {$2300.00} written off. {$550.00} past due as of XX/XX/XXXX 



XXXX XXXX XXXX FL XXXX XXXX XXXXAddress identification numberXXXXSold toXXXXTypeCharge CardTermsNACredit limit or original amountNot reportedHigh balance $ XXXX payment $ XXXXRecent payment $ XXXXDate of XX/XX/XXXX XX/XX/XXXX 's statementPurchased by another lender. 
Reinvestigation informationThis item was updated from our processing of your dispute in XX/XX/XXXX

Company response to consumer: Closed with explanation