milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2016 about Credit card () with CITIBANK, N.A. (OR).
Issue: APR or interest rate

Complaint: I opened a credit card through Costco for my business. It was run by XXXX XXXX. It was a new credit card so the billing date was new to me and I was late in some of my payments by a day or maybe up to a week but I never missed a payment. They are now charging me an outrageous 29.49 % interest rate on my account balance of {$24000.00}. 
Now that Costco has purchased these accounts from XXXX XXXX and now run them through Citi Bank they are still insisting that I pay the 29.49 % interest rate. I thought that the new laws protected customers if they were a few days late on a payment?

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 02/15/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is incomplete, outdated, and incorrect information reported on accounts that are reporting on my credit report. The accounts are : XXXX. I have requested these accounts to be deleted due to the violation of FCRA. I submitted this request XXXX2016.

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 07/21/2017 about Payday loan, title loan, or personal loan (Installment loan) with Green Trust Cash, LLC (IL).
Issue: Problem with the payoff process at the end of the loan

Complaint: I took out a {$450.00} installment loan with XXXX XXXX in XX/XX/XXXX. My payment was an ACH payment of {$100.00} every two weeks. I called them up on XX/XX/XXXX to get my balance to pay in full on XX/XX/XXXX. The representative said my payoff will be around {$530.00} on XX/XX/XXXX. This is ridiculous and should be illegal the amount of interest that this company is charging. What Greentrust is doing to consumers is tantamount to a armed robbery!

Company response to consumer: Closed with explanation
Consumer complaint received 12-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, 2015 I sent a formal letter via Certified Mail with Return Receipt requested by USPS to this company disputing and requesting validation for a debt they have listed on my credits reports. This account was posted to my credit reports without my having ever received an initial notice from the company that the debt existed or informing me of my right to dispute it. I have received proof from USPS that my letter was accurately delivered, and according to the Fair Debt Collection Practices Act and Fair Credit Reporting Act, the business legally has 30 days to respond to this validation request, otherwise it is illegal to continue collection efforts, including reporting this alleged debt to the credit bureaus ( which constitutes fraud ). It has been over the 30 days allowed by law and they have failed to respond with appropriate validation All I have received from them are a few pages with arbitrary numbers and my name attached to them, with no indication of how these amounts were calculated or that I ever agreed to pay these amounts. They have failed to verify that this debt is valid, that I have any obligation to them for the amount they are claiming against me, or that this debt is legally associated with me in any way. Furthermore, they have reported this debt as " Verified '' when I filed a dispute action against it with the credit bureaus, even though there is no provided proof that it is, in fact, valid. This action constitutes fraud and defamation of character, in addition to violating the previously mentioned debt and credit Acts. For these reasons, I sent a final deletion request to the company on XXXX XXXX, 2015, and gave them 10 days to respond before I file legal proceedings against them.

Company response to consumer: Closed with explanation
Consumer complaint received 11/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: All inquires on report with XX/XX/XXXX.
Any inquires on report with inquiry XX/XX/XXXX. 
I have contacted the companies listed on my credit report. The companies deny any knowledge of the inquires that were performed. The companies stated that I should contact the credit reporting agency and notify them on inaccurate information. I did not notify XXXX but they stated that I would have to contact the companies directly. The information is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have been disputing an account with XXXX, XXXX, and Experian asking them to sent me verification and the method investigation they use for a XXXX XXXX account ( XXXX ). I have been sending them letters stating that this account is inaccurate on my report and they should verify it. I also informed XXXX XXXX about them reporting an inaccurate account and sent them a validation letter. They sent me a letter asking me for more information because they either can't find me in the system or they are buying more time over the 30 day period.By law, it is the responsibility of the creditor to contact the credit bureaus to investigate and respond to a dispute from a consumer. It is NOT my job to do conduct any form of validation, verification, or any form of investigation process. I have been disputing with the bureaus for over 3 months. XXXX did reinvestigate and verified the account as inaccurate and removed it from my XXXX  credit report XX/XX/XXXX. Experian and XXXX are the two reporting agencies that still have not deleted the account. I have not received any form of verification from either of the two. I have attached supporting copies of dispute letters and return receipts to the bureaus as well as the debt verification letter to XXXX XXXX and their response letter. Again, XXXX and Experian has not verified or explained method of investigation for the account with XXXX XXXX and XXXX XXXX has not responded to my debt validation. According to FCRA 611 ( 15 USC 1681 ), it states that if the " completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' The FCRA also states that upon any company receiving a validation letter, they are to cease from all collection efforts and delete the account from my credit files until they can validate this debt. XXXX, Experian, and XXXX XXXX have failed to prove that I am responsible for this debt. Please help me remove this account from my credit report because they have no proof that I am responsible and have not sent any written documentation of evidence of a contractual agreement, or sent any method of verification.

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 06-12-2017 about Debt collection (I do not know) with Northstar Location Services, LLC (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: A woman keeps calling saying she is a representative for  XXXX  and Northstar. She says she is calling in regards to a matter between my wife and her stepfather.     She asks for my address, my wife 's phone number, and her social.     I keep asking what this is about, and the lady tells me if I give her the before mentioned information she will then and only then let me know. The lady is very aggressive in trying to get the information from me. She has called repeatedly and I have asked for them to stop.     I keep explaining that I am not comfortable giving personal information over the phone.     The last call the lady got very angry with me and was close to yelling and threatening me.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Debt collection (Non-federal student loan) with Northstar Location Services, LLC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I work for a XXXX. I received an message from a XXXX with the same name, but not my office, that they had received a call for me and sent me the voicemail. I promptly called back, and verified my information with the company. They proceeded to tell me that this was a debt collection call. I have informed them multiple times to not contact me at work. They have my address, my cell phone, my spouses cell phone, and my home phone number on file.

Company response to consumer: Closed
Consumer complaint received 01/23/2017 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Problems caused by my funds being low

Complaint: On XX/XX/XXXX, the banks were closed. Prior to that on XX/XX/XXXX I had a pre-authorized payment to XXXX scheduled. I checked my account on XX/XX/XXXX and the payment had not been taken out. I checked on the next day the bank was open which was Tuesday XX/XX/XXXX to see if the pre-authorized debit had been taken out, and it had. Unsure why the pre-authorized debit had taken an extra business day to post to the account, I called the bank. My account was positive at this time on XX/XX/XXXX. I was looking at the account on my tablet as I spoke to a rep ( there should be a recording on XX/XX/XXXX of this conversation ) who also assured me that the large pre-authorized debit which should have been taken from my account on the scheduled date of XX/XX/XXXX had actually been PAID and POSTED that day, XX/XX/XXXX. We could see there were other PENDING OUTSTANDING debit items on hold ( which do n't incur overdraft fees, you just make sure the money is in the account prior to them being posted ), but my account was NOT NEGATIVE. The next day on XX/XX/XXXX, the items had been re-arranged to show that they were NOT ON HOLD ANY LONGER for XX/XX/XXXX but they actually were showing PAID on XX/XX/XXXX ( even though they were purchases made well AFTER the pre-authorized debit that had showed paid on XX/XX/XXXX ). This resulted in a fee of {$35.00} and a subsequent sustained overdraft fee of {$30.00}. I called the bank and told them that I disagreed with how the transactions were processed and that I wanted a rebate of the fees. I was told that since they had rebated a fee previously for the same issue, ( being told an item was paid but it actually resulted in an overdraft and it should not have ) I would not be able to have the fees reversed. A few years ago, I remember this bank having an issue with the way transactions were posted which resulted in them collecting fees on consumers ' accounts that they should not have which resulted in a class action lawsuit to reimburse their customers. I think something similar is happening again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-07-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (DE).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: On my credit report I have XXXX marks that say I was over 120 days late. This is incorrect. The dates were XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX/XX/XX/XXXX. These are my children XXXX and XXXX 's private student loans that I co-signed. At the time neither I or my children could pay the {$2800.00} per month that they insisted we pay. After 3 months of negotiations with Navient we were given an income repayment plan for one year. During those 3 months we paid {$100.00} to each loan every month, which is what we could afford. Navient posted on mine and my children 's credit report that the payments were not paid at all and were 120 days late. This has drastically changed my otherwise perfect credit report. These errors need to be rectified as soon as possible. Attached please find Navient 's own account summaries showing corresponding dates and payments made during this period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/22/2016 about Debt collection (Credit card) with DISCOVER BANK (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: The credit company calls repeatedly. They will call as early as XXXX on Saturday and have even called me during church service on Sunday. They will call about 8 to 10 times a day. they send emails and other letters and I feel like this is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-03-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have Federal and Non-Federal loans being held by American Educational Services. I had affordable payments of {$23.00}. Then, I went into forbearance. Now, my payments are {$100.00}. The bill was dated XX/XX/2017. I just received an email today informing I owed a balance. When I look at the account, it is showing delinquent. I have gone round and round with this company. Both, my husband and I lost our jobs. There is no money to pay this bill. I can make a monthly payment of {$5.00} ( as it states on their site as a suitable minimum ). If they put me in forbearance the only thing that is going to happen is in 6 months to a year, my payments are going to shoot back up to {$100.00} or even more. I do n't have the income to make these payments. And, this company and XXXX have not worked with me to get me on affordable payments, inspite of my attempts to explain my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (I do not know) with Financial Business and Consumer Solutions. (GA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I HAVE RECEIVED MULTIPLE PHONE CALLS TO MY CELL FROM # XXXX WITH NO VOICE MAIL BEING LEFT BY THE CALLER. FROM MY SIMPLE ONLINE SEARCH I HAVE FOUND THE COMPANY FBCS ( Federal Bond & Collection Service ) TO BE THE LEADING CULPRIT. I CALLED THE NUMBER BACK AND HEARD A PRERECORDED MESSAGE ABOUT AN ATTEMPT TO COLLECT A DEBT, HOWEVER, MY MOST CURRENT CREDIT REPORT SHOWS NO DELINQUENT ACCOUNTS. THE MESSAGE OFFERS TO ACCEPT AN OVER THE PHONE ACCOUNT PAYMENT OR YOU CAN SPEAK TO A REPRESENTATIVE. I KNOW THAT YOU SHOULD NOT RESPOND TO SO CALLED ROBOCALLERS AS IT MAY MAKE MATTERS WORSE. PLEASE INVESTIGATE THIS HABITUAL HARASSING BEHAVIOR

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (TN).
Issue: Credit decision / Underwriting

Complaint: We began working with Quicken Loans on XX/XX/2016 on an offer to refinance our home with cash out, with an interest rate of 3.75 %. We paid a {$500.00} initial deposit to Quicken Loans on XX/XX/2016, based on the advice of the lending XXXX that we could receive a refund through the point of getting an appraisal. A conservative estimate of the home value used for the offer was {$240000.00}. Quicken Loans used their sister company XXXX to obtain an appraisal by XXXX of XXXX. The appraisal came back on XX/XX/XXXX with a home value of {$230000.00}. The loan offer went from {$190000.00} to {$180000.00}. The XXXX changed. We raised concerns about the significant errors in the appraisal. A revised appraisal was issued on XX/XX/XXXX correcting some of the errors but not all of them and not changing the appraised value of {$230000.00}. We continued to have conversations with XXXX XXXX representatives to request proper corrections to the appraisal. We submitted documentation of our concerns. The appraisal was revised again on XX/XX/XXXX, but again not accounting for all of the previous errors and not changing the appraised value of {$230000.00}. We requested a full refund of the {$500.00} for the appraisal or that Quicken Loans obtain another appraisal at its expense. Quicken Loans has refused both of our requests, and urged us to move forward with financing based on the {$230000.00} appraisal. We declined. Not only is Quicken Loans refusing to return our deposit, but we have now lost the opportunity for a lower interest rate loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent a letter to Equifax letting them know I have been a victim of identity theft and there were several accounts on my credit showing that did not belong to me. Equifax did n't remove the accounts they sent me a letter back saying that the items had been verified. I contacted the courthouse where the public record was filed and they told me that the Circuit Court does not verify any information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2018 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (GA).
Issue: Fraud or scam

Complaint: On XXXX XXXX, I filed a claim with XXXX to dispute multiple transactions I paid to the same business. In total, I spent {$2500.00}. I never received the items. Paypal explained to me that I needed to dispute each item individually although there was a partial payment of the same invoice, however when I called back on XXXX XXXX to check the status of my claim I was informed that my claim had been closed because of this. According to the FCBA and PayPal 's policy, I am covered against deception, fraud, and unfair business practices. PayPal 's buyer protection program is a contractual agreement between all parties involved, yet PayPal has refused to honor their obligated agreements for this claim. I would like for all monies to be returned to me immediately and for this matter to be brought to the attention of President and CEO XXXX XXXX. I will be contacting him at XXXXXXXXXXXX I have also made a complaint against PayPal with the FTC. The transaction ID for this purchase is XXXX. Thank you for your time and consideration on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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: XXXX  is reporting my XXXX account as an adverse account this information is wrong. It has been confirmed with XXXX that the account is current and in a satisfactory standing with no late payments. XXXX has fixed this account after there investigation and it is reporting correctly as an account that is satisfactory not adverse. I have disputed this with XXXX but they have still not corrected it. This wrong information is affecting my credit score.

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 12/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: Experian is all over the place with my Fica score it need to be updated and reflect the same as thing as XXXX and XXXX SCORES ARE DIFFERENT ON EVER SINGLE AGENCY OR COMPANY I PULL PLEASE UPDATE IMMEDIATLEY,

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 02/21/2017 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Seterus is reporting late payments on my credit report that are not accurate. They are listing me as being 120 days late from XX/XX/XXXX until XXXX and then 180 late from XX/XX/XXXX until XX/XX/XXXX. 

This is damaging my credit score and by no means accurate. I have disputed this in the past and my dispute was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with JPMORGAN CHASE & CO. (NJ).
Issue: Confusing or missing disclosures

Complaint: well, i found out that in XXXX or XXXX i think i for got to pay my freedom card from chase, ones i paid the whole thing. they told me that i could n't get my freedom card back, because i missed a payment. when i had the freedom card, i was paying everything and on time. one payment that i have n't paid one i paid it in full. they couldnt give me my freedom card. i would want to know if i could get my freedom card back.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: There is a NEW XXXX stand off between OCWEN and XXXX and my autistic son XXXX XXXX is getting hurt by OCWEN and XXXX blaming each other instead of restoring my perfect six year payment history so I can get a personal loan to fix my son 's XXXX. An XXXX doctor said that if he had teeth like my son, he would want to be on XXXX until the XXXX got fixed. XXXX can not take XXXX and is suffering intense pain until OCWEN and XXXX undo the damage preventing me from getting a loan for XXXX ' XXXX XXXX. This nightmare has been dragging on for months now. Here is a link that shows you OCWEN was engaged with a similar XXXX Stand Off with XXXX in XXXX 2016. The ongoing and various delays have turned this into an Americans With XXXX matter. My son could have had his XXXX by now. Because of the various delays, we have no idea when I will be able to get the loan now. I did nothing wrong. My autistic son XXXX did nothing to deserve being kept in pain like this. Here is the link to the blog about this most recent XXXX Standoff with OCWEN and another party with me and my son trapped in the middle. This should not even be happening. 

XXXX

Company response to consumer: Closed with explanation