milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-07-2017 about Debt collection (Other debt) with Express Recovery Services, Inc. (UT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I check my credit back in XXXX and I did n't have any hard inquiries on my credit report and then I logged in XXXX XXXX and now there back on there. I called About them and they would n't remove them and I told them I have n't received anything in writing saying they was putting them back on there. Please help

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 07/14/2017 about Student loan (Private student loan) with SLM CORPORATION (AZ).
Issue: Getting a loan
Sub-issue: Problem with the interest rate

Complaint: My name is  XXXX   XXXX   ( da ughter- XXXX  ), we called Sallie Mae on  XXXX / XXXX /  XXXX   and applied for a Smart Option Student Loan and was approved for {$10000.00}, which aligns to my daughter 's school obligations. We chose the Fixed-Deferred option with an interest rate of 9.827 %, which we were quoted and told that would be on the document when we went online to e-sign/accept the terms. Nothing was mentioned of APR during this conversation, at all! When we finished the call, my daughter and I signed onto our accounts to each complete the acceptance/e-signing process. I noticed right away that the Deferred-Fixed option was chosen, but the interest rate indicated a 10.38 % and no mention of an APR. I called customer service back and asked why I was seeing on screen the 10.38 %, and not the 9.827 % I was quoted/accepted over the phone. Neither the representative on the phone nor their supervisor ( when I asked to speak with after th e 3rd time being put on hold because she did n't understand, nor could explain why I was seeing the differe nce ) could explain why this was happening. The supervisor was very empathetic saying that he totally understood what I was asking and agreed, but when I asked why this was he could n't explain it! I 've accepted the current rate, because he reassured me that the true rate was 9.827 % ( only because we are at the deadline of having to secure my daughter 's spot at school ), and that I was going to be contacting the CFPB to intervene. I asked the supervisor if the 9.827 % was the rate with the 10.38 % being the APR, and he said he could n't tell why, but that they had to show the 10.38 % online due to a law. This does n't make any sense at all and need help in this matter! I do n't want my daughter having to overpay on a rate that was quoted but misrepresented.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (OH).
Issue: Closing your account
Sub-issue: Can't close your account

Complaint: Account with US Ban k Visa card.I canc elled the card and paid the balance due.   After the account was canceled, they accepted a charge on the card from a high school reunion site I had visited in the past.I called and complained to US Bank, but they were no  help.The total charge was only {$15.00} ; since US Bank was no help I just paid the $  XXXX .Now they are sending me bills for late fees every month for a bill that they accepted on a cancelled credit card and that was even paid because they were no help.I have contacted the company numerous times in the past few months-with NO help from them.My cur rent bill from them says I owe {$36.00} ( due  XXXX   XXXX  ) in late  fees.HELP.This same company tried charging me on car loan that was paid off earlier this year.Please help.This is the most unethical bank I have ever dealt with, and I am not a young guy.

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 monetary relief
Consumer complaint received 02/23/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I 'm really running out of patience and I just do n't know what to do at this point! I have used a credit repair company and now am disputing myself with the XXXX bureaus. I have accounts on my file that continuously come back as " verified '' and yet I have never received any documents, I have never received a description of their procedures in detail which I have requested and I have never received any documentation proving ownership of any of the accounts. How can they say that these accounts are verified when they do n't have any documentation? How can they just take the creditors at their word? Do n't they have a responsibility to actually do a real investigation? I understand that they only have a few minutes to do an investigation, but that 's not my problem. That 's a problem on their end and i should n't be a victim of their money-making scheme. I already made a complaint with the TX Attorney General so each of the XXXX bureaus will be receiving either a call or letter and will have to explain themselves. Who did they speak with at the creditors? What date? what was their name? What documentation was used?

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 03/17/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: As per your request I 've submitted the documents you require for my address change via XXXX and my new address reflects on TransUnion. 

Attached is the updated letter from the XXXX account ending in XXXX confirming me as an authorized user for the primary account holder. Please let me know if you require any further documentation to have this account re-added to my credit report. 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 01-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: My college loans have been duplicated on my credit report, all three major reporting agencies have the same wrong data. I have spent over 20 hours on the phone with Discover Student loans in the past two weeks. The lack of customer service is simply appalling. I have talked with 5 different supervisors. All state the error is on Discovers end. My balance to the loans is currently XXXX. In XX/XX/XXXX Discover is stating they issued new identification numbers to their loans for ease of access to the consumer. With whatever changes they made they are now showing my total balance due on credit agencies to XXXX. XXXX. When contacting discover they first blamed XXXX for duplicating the information to all three reporting agencies. I had an open dispute with all three agencies, to which a representative from each agency stated to have discover contact them directly with the loan balance. 
Here comes my frustration. 3 separate Supervisors, XXXX, XXXX, and XXXX all stated it is not in their prerogative to initiate a contact with the agencies including my open dispute case number. This would be as simple to send the updated information to the agencies, but from what I can tell they are too busy covering their tracks rather than owning up to the discrepancy. They have stated they have sent the information to all three agencies, but to date all agencies state they have not received anything from discover. 
I call Discover to talk to someone above a supervisor and they said that would be redundant. Redundant to fix a clerical issue of almost 100k?! I am in the process of procuring a mortgage, this incorrect information has dropped my credit 100 points. Discover has sent myself updated loan information that is correct, and states they have contacted the credit agencies but offer no proof of such contact. I am in desperate need of assistance and am contacting you folks before I contact an attorney to see what rights I have as a consumer to take action against Discover. I understand accidents happen but I am appalled that with a company who purchased my loans from XXXX, I am stuck doing business with what feels like a criminal organization. Please advise of steps I may take.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I took a loan with XXXX, XXXX, 2004. The loan was later purchased by Nationstar Mortgage, Loan # XXXX. I am in the process of selling the residence and have a VA loan offer awaiting appraisal. I went on-line to check my Nationstar loan account but, discovered they have changed their format, I must re-register my account, and in order to create a new account I must check a box that says I acknowledge there 's a {$25.00} service fee for pay-off. 
When I took the original loan I specifically asked and was told there were no fees associated with pay-off of the loan. I consider Nationastar 's action an abuse of process and a deceptive practice. I have directed my XXXX XXXX, XXXX XXXX to deny any extraordinary fees for closing this loan and to notify me in writing if that delays the action.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Student loan (Private student loan) with SLM CORPORATION (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I co-singed on a Sallie Mae loan for my son while he was attending XXXX University. He has struggled to find a job after XXXX and we were allowed to set up his loan on a loan modification program. Payments were set up on a direct debit out of his account. After 4 or 5 months the direct debits stopped. After calling and inquiring why this was the case we were informed that they had removed him from the program because " he was enrolled in school. '' He has never been enrolled in school after XXXX. For the last 6 - 8 months I have been calling Sallie Mae and fighting to reinstate his loan modification. Each time I all I am assured that he is still in the program, they do n't understand what happened, they need to research the problem, and someone will call me back. This never happens. Sallie Mae has a record of all of my phone calls and they know exactly what is going on yet they refuse to honor their commitment and follow through on the loan modification program they set up. This is affecting my credit and my sons.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Equifax is reporting a Public Record that do not belong to me. I have made many attempts to get this situation rectified. I need your help in getting this Public Record removed from my credit profile.

Also, there the XXXX XXXX XXXX address do not now nor in the past belong to me. Please remove this address from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-08-2016 about Consumer Loan (Vehicle loan) with HARLEY DAVIDSON FINANCIAL SERVICES INC. (FL).
Issue: Managing the loan or lease

Complaint: I traded my vehicle in on XXXX XXXX 2016, and a payoff check was sent overnight via XXXX for the payoff amount. 
Harley Financial AKA XXXX XXXX then labeled my account PAST DUE and still refuses to record the full payoff check to my account so they can add fee 's and costs along with damaging my credit in the process because they claim the pay was received.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: Our complaint is against CitiMortgage and their legal representation the law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, OH. XXXX. 
InXX/XX/XXXXwe started a mediation process with the legal firm trying to say our home from foreclosure. Without success. 
In XX/XX/XXXX we were served papers telling us to leave the home that it was going to be sold at sheriffs sale. 
We vacated the home found a property that moved into under a land contract agreement with the understanding that after three years we would be able to purchase property as is the required amount of time to wait after a foreclosure. we also put a down payment of {$14000.00} over a 3 year period as well at {$1300.00} per month rent. 
We waited our 3 years out and applied for a loan to find out the Citi had taken our foreclosure off the sheriffs sale website, because they had listed the previous owners of our old property as party of interest. 
Correct me if I am wrong but once we purchase the home in XXXX the previous owners gave up all rights to the home. As we had purchased a mortgage. 
The attorneys representing Citi had listed previous owners as parties of interest in our property and had found out that in XXXX XXXX the grand-daughter of the previous owner had filed chapter XXXX therefor ordering a withdraw of sale. 
Citi set on the property from XXXX XXXX till XXXX XXXX with not movement. They eventually released property for auction at which time title was transferred to new owners XXXX XXXX. Leaving us in position of waiting another year to be a able to purchase another home under FHA guidelines. 
We are now out of contract with our current home and the seller has increased the sale price and we our out the {$14000.00} because we failed to obtain financing, because of that three year wait period. 
I have compiled all documents pertaining to our foreclosure and how from the very beginning of the mediation process to the final sale to new owner Citi and their counsel have miss handled this case, simply by including previous owners in the process. 
I have spoke to legal counsel, XXXX county recorders office, chapter XXXX  office, XXXX county common pleas court, numerous FHA lenders, FHA ( to find out if they had a cavious report, which they have no record of ), representative of the law firm that represented Citi, ( which the response I received from the was, " we do n't have to give you free legal advise '' ), and proceed to hang up on me, XXXX XXXX XXXX that handled the close of our home back in XXXX and their in house legal counsel. Everyone I have spoke with has stated that this is a colossal mess and all stems back from Citi including the previous owners in OUR foreclosure. 
I would like action against Citi and their legal counsel.

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 02/13/2018 about Debt collection (I do not know) with PDQ Services, Inc. (GA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: The date for one of the charges will be XX/XX/2017 the company name is PDQ. The amount is XXXX dollars. I wasnt aware that I owed for an apartment that the management time had the keys to and I no longer was in possession of this property never had a physical lease with this rental lady either, but she was able to still place this on my credit. To top that off she leased another apartment to me in the same complex.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
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 called Experian to request proof of investigation results for XXXX XXXX,2017 credit report. I talk to XXXX in the dispute department. She advise me that Experian is not able to provide proof because the company do n't have it. So, I told her that they are in violation of Section 609 of FCRA, for reporting accounts as verified when they never verified any accounts with actual physical contract. XXXX, was like ok file a complaint cause we will not remove the negative accounts. Even when we ca n't verify that the account are 100 % accurate. I asked her again to see if she understand the statement she made. XXXX, was saying that Experian is knowly violating my rights under FCRA.

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 04-11-2015 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: I had entered into a loan modification with XXXX XXXX XXXX at the beginning of XX/XX/XXXX. By the time all the paperwork had been completed, PennyMac had purchased my mortgage and had began servicing the loan. The completed modification documents were submitted to PennyMac, after all the trial payments had been made, by XX/XX/XXXX according to the PennyMac records. There was no mention made of any missing documents or any problems with the paperwork. Shortly afterwards, I began receiving billing statements from PennyMac showing that I owed over {$2000.00}. I then called only to be told that the modification was still being processed and to ignore the statement. I began to regularly communicate with PennyMac loan services to which I was told repeatedly that the modification was being processed and to " give it another 30 days ''. When tax season came around, the XXXX showed that I had only paid approximately {$2000.00} in property taxes and insurance premiums on the loan. After finally contacting someone other than a CSR, I was told that a document was missing from the modification which was delaying the entire process, my credit would be repaired and that a Senior Vice President was working on correcting my XXXX form. I was only six days ago that I received a phone call from a PennyMac CSR whom informed me that PennyMac was issuing a Notice of Intent to Foreclose on the property when I had made all my payments, fulfilled the stipulations of the Loan modification and followed the advice from the PennyMac employees. AT this point, PennyMac has reported that I am approximately 16 months behind on my mortgage payments. 
After doing some research, I discovered that this particular chain of events was anything but " happenstance '' as PennyMac has a history of following this pattern of action usually resulting in several of their clients having to file bankruptcy in order to distance themselves from PennyMac, XXXX XXXX XXXX, and XXXX. This is a clear violation of XXXX XXXX by practicing willful negligence by " losing '' loan modification paperwork while damaging consumers credit rating and proceeding with foreclosure proceedings against numerous consumers who are NOT a foreclosure risk.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX XXXX contacted me after I had my attorney deal with XXXX Client Capital One. There was an out of court settlement and the matter is confidential. Regardless there should have never been any form of communciation between XXXX XXXX or and any third party agency representing Capital One Bank. They ( Capital One XXXX XXXX was offered a ciece and desist during the confidential communications between my lawyer the collection agency client. The letter should have never been mailed. The debt should have never been sent to XXXX XXXX. I believe that this is a form of severe harassment as outlined in XXXX XXXX XXXX Fair Debt, Collections Practices Act. As XXXX has failed to respond to many written correspondence. I am informing your office amounf others and my acting attorney at the time for possible litigation against Capital One Bank and XXXX and XXXX XXXX. I am offering the company XXXX XXXX an out of court settlement of {$5000.00} make payable to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax And Ally Financial Are Continuing To Report Inaccurate Information To My Credit Report. Equifax And Ally Also Continue To List My Monthly Obligation To Them At {$640.00} Per Month. Equifax And Ally Financial Are Continuing to Report Incorrect Information On My Credit Report And I Would Really Like It Corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2016 about Debt collection (Medical) with Tormey Bewley Corporation (NM).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: Never received information that a collection was being needed! It just showed up on XXXX

Company response to consumer: Closed with explanation