milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/17/2017 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (LA).
Issue: Problems when you are unable to pay

Complaint: I had an account with Credit Acceptance the vehicle was repossessed in XXXX. The balance was paid via settlement back in XXXX XXXX. The company agreed to the payment and accepted it. Since I paid them. They have been reporting inaccurate information on my credit report. They refuse to return my calls. They are now reporting a made up collection balance that I do not owe and maliciously messing my credit up. I have no recourse but to beg for your assistance.

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 02/19/2016 about Credit card () with CITIBANK, N.A. (OH).
Issue: Billing disputes

Complaint: I made a payment of {$50.00} on my Best Buy credit card in store, in my local Best Buy. Citigroup/Citibank manages the account and is the creditor in said account. However, this payment does n't show on my payment history and only {$8.00} of {$50.00} was applied to my balance. The card to my knowledge is 0 % apr for the first year as long as the balance is paid in full, however my balance has inflated significantly. The payment was made at the XXXX XXXX store XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, DE XXXX XXXX To whom this may concern, I am writing to express my ongoing concerns regarding disputed information that XXXX XXXX has submitted to all three major credit bureaus ( Equifax, XXXX, XXXX ), XXXX XXXX, and potentially other credit reporting agencies. In the past, I have disputed and requested " verification of debt/records '' from XXXX XXXX and credit reporting agencies but have not received an appropriate response that abides by the obligations set forth in Federal and State consumer protection laws. The subject of this dispute is an account similar characteristics that appear to be as follows : ABA # : XXXX Account # : XXXX As you should have documented, I have requested " verification of debt/records '' on this account as well as disputed the XXXX XXXX 's actions of reporting information and transferring accounts to others. Unfortunately, I have not received an satisfactory response and it appears as though XXXX XXXX has ignored my requests - and violated consumer protection laws. To help resolve the situation, I am requesting that XXXX XXXX provide me with : 1. ) A full verification of debt/records, which shall include, at a minimum : A. ) The original contract with signature card. ( Ensure the account contract version and signature card version match ) ; B. ) Full account statements for the length of the account ; C. ) Records pertaining to any and all submission of accounts, records, transfers, or debts, to credit reporting agencies ; and D. ) All documents, records, and actions that XXXX XXXX has taken when responding to disputes and requests for re-investigation, both directly and through credit reporting agencies ; 2. ) Details about the status of the associated accounts and whether or not they have been transferred to third parties for management or collection ; 3. ) A summary of the communications XXXX XXXX has attempted ( if any ) when responding ( or not responding ) to my previously submitted concerns ; 4. ) An explanation as to my rights as a consumer and why it has taken XXXX XXXX many months if not years to respond to simple letters and requests. Nothing contained herein is or shall be construed as a waiver or any rights or remedies, all of which have been expressively reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Equidata, Inc. (AZ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: EQUIDATA was collecting a debt on behalf of  XXXX  which I paid in full. Upon me making in full, they agreed to remove the derogatory account from my credit report ; which they have failed to do. I paid the account off in full, and would like them to keep the part of their agreement to have it removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Credit card () with BARCLAYS BANK DELAWARE (CA).
Issue: Billing disputes

Complaint: It has taken 9 months ( and counting ) to resolve a simple fraudulent charge dispute, which is not an acceptable business practice from my perspective. 

Upon discovering a fraudulent charge on my credit card ending in XXXX on XXXX XXXX, 2015 in the amount of {$350.00}, I submitted a dispute ( case XXXX ) and replaced my card. 

Although I was told that the disputes and security departments would follow up, I did not hear back from Barclaycard and had to call back on XXXX XXXX, 2015, I spoke with a phone agent ( XXXX or XXXX ), who informed me that my account ending in XXXX would be credited within XXXX hours. 

I have neither received a credit, nor have I used my Barclay credit cards until this dispute is fully resolved. 

I am looking for immediate resolution of this issue and disbursement of {$350.00} plus interest accrued during the 9 months of this dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Been on auto debit for years with loans I 've already paid in full and current loans which are being auto-debited. The loans are through Navient. They have not been giving me the discount for auto debit. Which they told they would years ago. When I caught it, now they need weeks to investigate it. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Mortgage (FHA mortgage) with AMERISAVE MORTGAGE CORPORATION (CO).
Issue: Application, originator, mortgage broker

Complaint: Amerisave said after I explained my situation that I would have no trouble getting a mortgage with them, all I needed to do was pay for an appraisal. I did and was denied the loan, even though the appraisal came in as it should have. Avoid Amerisave at all cost, they are very fraudulent ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/18/2016 about Bank account or service (Other bank product/service) with NATIONSTAR MORTGAGE (NC).
Issue: Making/receiving payments, sending money

Complaint: My loan was recently transferred to Nationstar XXXX/XXXX/16. Prior to transfer I had property damage to my home XXXX/XXXX/16. My first contractor did not complete the necessary work, I hired a new contractor. I sent the documents to Nationstar who stated they would not begin paying since my claim was over {$300000.00} to my new contractor because there was no license submitted. Myself and my new contractor informed them my state no longer provides licenses, however they insist they did. My house can not be fixed since they will not disburse any funds without license. In my states old law required contractor license over {$30000.00}. I informed them I would just hire several contractors whose claims would not total over {$30000.00} each they said they still would not pay claim without license. I need to have my home repair so I can move back in my home. But do n't seem to be able to get funds to repair which my Nationstar will not release. My insurance adjustor has only allowed 3 months for repairs to be completed and my time is running low.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AL).
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   XXXX ,    2016   Opened Date   XXXX  {$320.00}. I contacted the creditor and was told that this contract was cancelled.      XXXX   XXXX   2016 ,  Opened Date.    XXXX    XXXX  {$610.00}. I was told that i was no longer liable for this credit line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-10-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I paid off my XXXX XXXX XXXX account back in XXXX 2016. For some reason XXXX has left a {$9.00} balance and I have disputed the balance over and over. Also, when I call to have them remove the {$9.00} balance they say my account is with XXXX XXXX. XXXX XXXX has no account for my XXXX balance. I would like this removed off my credit score ASAP as I do not owe any balance on this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/14/2017 about Debt collection (Other debt) with A.R.M. Solutions, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am receiving a call regarding a Pest debt of {$130.00} ( approx ). I do not have a debt with this Pest Company. I have repeatedly informed the Debt collection company XXXX  and also confirmed with this Pest Company. I have also contacted all credit bureaus to ensure I do not have any negative impact on my credit. I DO NOT HAVE THIS DEBT. I am unsure how to make them stop. But they are harassing me. 
Last call was XXXX at XXXX. I informed them thank you for calling but there is a misunderstanding and I do not have a debt. They got rude and hung up the phone. 
I contacted the pest company explaining. Response : " You do not have a debt, we are sorry let me try to have a manager call and get this removed '' NOTHING gets removed. Nothing happens.

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 10/17/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (OH).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Nelnet is refusing to assist me in completion of the forms needed to process the annual determination. Their own website is confusing so I have problems figuring out which payment plan is right for me. The plans offered are : Income-Driven Repayment Plans and Income-Sensitive Repayment. The explanation of the two do not coincide with these explanations : The Income-Contingent Repayment ( ICR ) Plan, Pay As You Earn ( PAYE ) Repayment Plan and Revised Pay As You Earn ( REPAYE ) Repayment Plan are for Direct Loans only. The Income-Based Repayment ( IBR ) Plan is for both FFELP and Direct Loans. 
Because of this I believe Nelnet has offered to mail me pre-populated forms in the past and now they 've declined and also have refused to accept my faxed signature page that they 've accepted in the past. I 've gone through telephone verification and uploaded tax documents yet they continue to pursue past due payments for {$600.00} when my payments were determined to be {$46.00} or so. They 've ignored requests to send me a pre-populated form so I can use the signature page only to give a physical signature. I think they are creating a hardship for me by the confusing language for the available plans ; ignoring already submitted documentation of income and household size in pursuit of a much higher payment ; no offer of forebearance while the newly needed physical signature page is required ; refusal to give me a pre-populated form to eliminate the mistake of applying to the wrong plan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Credit card () with SYNCHRONY FINANCIAL (CA).
Issue: Payoff process

Complaint: I have had a Walmart Credit Card for over 8 years. I pay off my monthly charges on the due date. XXXX it was Walmart Credit Card, and XXXX changed it to a Discover Card, and then late last year XXXX changed it to XXXX Bank Master Card. For the XXXX time I made a mistake on my balance, but was not past due. My XXXX Statement Balance due was {$2100.00}. I then made XXXX payments via XXXX returns of {$1900.00}, {$5.00} & {$39.00} totaling {$2000.00}, leaving a balance of XXXX. I had discovered this error last night and called today and made the {$81.00} balance payment online ; however, the credits more than covered the minimum payment. The error I made was log {$81.00} as a credit in my payment schedule instead of a debit. XXXX Bank had already charged me a {$25.00} late fee & XXXX interest charge for the {$81.00}. I then called XXXX and my late fee and interest charges were reversed. I just called XXXX bank to tell them of their unfair practices ; however, they hang up on me without speaking to me. When they do n't want to listen to complaints, their system becomes totally automated, and they wo n't even answer the phone. Thus, I have been flagged. In addition, I tried to make a purchase online, but the credit card is blocked from making any purchases, just because of their assumption that I am past due 15 days due to an honest XXXX mistake ; when I always payoff my monthly balance, but my credits more than paid off the minimum payment this month. My other dozen credit lines do not do this. They tell me if I have a credit from the last statement purchase, that it also counts as a current payment. and even though I only had a balance of {$81.00} due that I already made, but it really was not past due. XXXX Bank 's convoluted and unfair practice policies, tells me that the credits do n't count as a payment, but yet, my balance was reduced from {$2100.00} to {$81.00}. And then the interested should had been {$1.00} on {$81.00}, not {$12.00}. This bank is like a foreign bank, and it use to be GE Capital Retail Bank. I am outraged, that my credit card was blocked and that XXXX bank and XXXX is assuming I am past due, when I am not. More and more, XXXX 's bad business practice, bad customer service practice keeps getting worse. I do n't know what they get out of unfair practices leading to the loss of customers. I certainly do n't need to use these credit card when I have other dozen credit cards and credit lines. But as a CPA I do n't appreciate of my credit rights violated or unfair credit card practices. The are such illusive polyarchists that they do n't even have the integrity to publish their address on line. Thus, they do n't even care about their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Bank account or service (Other bank product/service) with Comerica (CA).
Issue: Using a debit or ATM card

Complaint: I have had a problem with the " Direct Express '' debit master card account! I had XXXX different deposits ( returned merchandise ) from the same merchant into my account on XXXX/XXXX/2016 neither transaction reflects in my account! I have contacted the customer service numerous times to no avail! They refuse to allow me to dispute or file a claim for the money they have received from the merchant, and not deposited into my account. I am seeking your help to get my money from this Direct Express bank.

Company response to consumer: Closed with explanation
Consumer complaint received 02-04-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My student loans are suppose to show closed on all credit reporting companies. I have contacted XXXX XXXX and Equifax who also controls XXXX XXXX etc. about this several times now and the information is not changed. I have in front of me written proof from XXXX, the USA Dept. of Education as well as XXXX XXXX, a collection agency that works with the Dept of Education that my loans are suppose to show closed as I am under the XXXX umbrella. I am not able to upload the supporting documents but can easily mail copies from the government agencies above.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2017 about Mortgage (FHA mortgage) with Specialized Loan Servicing LLC (MA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: The issue is with my 2nd Mortgage for {$45000.00}, I took it out back in XXXX with XXXX XXXX Diversified Mortgage Services, acquired in XXXX by XXXX XXXX XXXX XXXX XXXX XXXX. 

The Lien with XXXX was never Discharged and Released by the Servicing Lender. 

XXXX sold the Mortgage to Specialized Loan Servicing ( SLS ) the same day of the closing, but nothing was ever filed at that time, even though they become the servicing lender throughout the years. 

I was granted a Discharge Notice ; XXXX/XXXX/XXXX which was sent to SLS thru the filing of my bankruptcy. 

Recently this year, I reached out to XXXX and they said that they no longer owned this mortgage and that I must go back to who serviced the loan. I remember I made payments to SLS. So, I did a little research thru MERS and found the MIN and looked it up, it was active under SLS. I reached out to SLS several times, but the persons I made contact with passed it on internally and would not give me any answers or info to who I should be speaking with about solving this. They just ignore my emails and its impossible to get anyone on the phone to call me back.Not communicating leads me to believe this is a great big mess and that no one wants to deal with it!

To recap ; the only 2nd Mortgage Lien was originally filed against my property by XXXX XXXX in XXXX, later they got acquired by XXXX in XXXX. Keep in mind, the 2nd mortgage was sold off to SLS by the day of the closing in XXXX, but never filed at the county court house back then. SLS became the servicing lender between XXXX and XXXX. At that point the mortgage was discharged and SLS did receive notice. Under MERS it is active with SLS, but the Lien with XXXX is still on record and not discharged. I would think maybe the Title Insurance Company ; XXXX XXXX would play a role in this as well, but I am not getting anywhere with anyone. 

This house is all I have even though its underwater. It provides a decent roof over my head, while I care for my elderly father and raise my XXXX children. I need some real help here.

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 09-12-2016 about Mortgage (Home equity loan or line of credit) with Ditech Financial LLC (VA).
Issue: Loan modification,collection,foreclosure

Complaint: Ditech is the current XXXX mortgage holder after it was with Greentree after being at XXXX XXXX. For one I recently filed bankruptcy and the company wanted me to reaffirm the debt, but after reading paperwork they sent the courts the were unsure of my original interest rate and my initial request for modification with green tree disappeared. Then on the paperwork they stated that the loan was able to be discharged, and collateral did not secure the loan. I would like them to remove the lien and the loan because when I call back, the supervisor advised me that was an error by who processed it and just because they sent to federal bankruptcy court did not count. I feel this is fraudulent and they are deceitful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (MO).
Issue: Loan servicing, payments, escrow account

Complaint: Property sold on XXXX/XXXX/2015 ... new contact information promptly provided to Seterus within one week of sale as they owe an escrow refund of approximately {$1200.00}. It is now XXXX/XXXX/2015 and still no refund, can not get any clear information as to why ... I 've been told that it was sent to my old address, but despite forwarding it was not received, then was told it was sent on XXXX, not received, then told they had to cancel the check on XXXX but that I could not follow up for 14 days as that is how long it would take to reissue. It 's been greater than 14 days and now I am being told that their process has changed and it STILL has not been issued and that it will now be another 15-30 days to reissue ... but I 'm sure when I call back in 15-30 days I will hear the same thing I 've heard the previous 3 1/2 months. This is ridiculous, if I owed them money for nearly 120 days I would face significant consequences, yet the only recourse I have is to continually call, wait on hold, be told a different story every single time I call. I just want this to be resolved so I NEVER have to call them again ...

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2016 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Problems caused by my funds being low

Complaint: I noticed that my account had been charged XXXX overdraft fees in the amount of {$35.00} each totaling {$70.00} from Citizens Bank on XXXX XXXX. Not understanding this I called Citizens Bank to get an understanding. After an hour of the customer service rep speaking to me and not giving me a clear understanding of why they charged me the over draft fee she hung up on me. So I called back and spoke with another customer rep and once again she could not give me a clear understanding of why they charged me this over draft fee so she informed me that she would get her manager on the phone who can better explain what was going on. XXXX the manger begins speaking with my and pretty much stating the same thing the customer rep stated which was still confusing, she then decides to walk me through bringing up the overdraft notice which was sent out to me online so I can see what brought my account to a negative. What I noticed was the amounts that the XXXX prior customer reps were informing me brought my account to a negative was incorrect. XXXX continues to inform me that the online ledger is not a reliable tool and that the information I see is not accurate and that I should not rely on it. So I asked XXXX, you 're telling when I am checking my account online and on my phone multiple times a day to make sure my account is balanced the information that Citizens bank is posting is not accurate so I should not rely on it. Well this completely blew my mind. Mind you the whole time I am speaking with XXXX she has been nothing but rude and condescending. Citizens bank has charged me overdraft fee totaling almost {$1000.00} dollars this year some have been justified and and when they are I just pay it but also some have not and when I call they give you the run around and do n't fully answer your question until the point where you become frustrated and just give up. Once again Citizens bank taken my hard earned money and the post inaccurate information on your account. I will be closing this account shortly. Prior to this Citizens bank posted an aomount of XXXX to my account which also caused me to go into over draft which they charged me {$35.00}. They refunded the XXXX because I disputed but will not refund the {$35.00} the charged me. I am not sure how that works at all

Company response to consumer: Closed with explanation