milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (NV).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I have been in good standing on my variable rate loan for the past 10 years that has been on autopay the entire time. In XXXX XXXX I received information that my student loan has been purchased and will be serviced by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The letter stated that I would not notice the difference, the transition would be seamless, and my auto pay will still be active starting XXXX XXXX. The first payment was never taken out of my checking account. XXXX stated that this was a computer issue and would be corrected next month. Well months later and the autopay is still not working and they are telling me that for XXXX it should work. I noticed another error 3 weeks ago when my XXXX payment was never taken out via auto pay. My interest rate starting showing XXXX XXXX in XXXX XXXX, when it has been XXXX XXXX for the past several months. When I inquired about the interest rate change they stated it was because it was variable that 's why it went up. After reviewing my loan documents and history of interest rate changes, I figured out that my account with XXXX was not reflecting the XXXX XXXX  interest rate reduction I was entitled to. I inquired with them on this issue around XXXX XXXX, when they contacted me to inform me that my payment was never received via auto pay. The customer service rep. stated that this was an IT issue and will be corrected in the next few days and would receive a follow up call. A week we by and I never received a phone call, so I started emailing the company to have a paper trail.  On that email response they stated that my interest rate went up because of the rise in interest rates, which is false. On XXXX XXXX, I called to follow up on the interest rate problem. I spoke with a manager for over 40 minutes explaining everything that happened over the past several months and she stated that she would work on the issue and call me back in 3-4 days tops. I followed up today XXXX/XXXX/XXXX, since I have not heard anything from the company. Today I spoke with another rep today and told him everything that happened over the last few months. His first replay was that it should go down to XXXX XXXX after my first auto pay kicks in. I was told 4 different things in the past month and nothing was fixed and it still shows XXXX XXXX  online. He stated that he is in a room with other customer service reps and really can not do anything. All he can do is write this up and send it to IT. I am completely fed up with this company and lack of transparency. I have been paying this loan for over 10 years and have never missed a payment. This company bid of the loan handing services and does not have the resources to handle the job. They are incompetent and should not be allowed to service student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Credit card) with CITIBANK, N.A. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I think some one use my identity and I am being charge for a debt that is not mine and is n't even in my credit report. I never received any mail from this creditor ( CITIBANK ) this creditor put a lien on my house for this debt 5 years ago and I was never notify or aware until XXXX2017

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 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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, Experian, XXXX, have been reporting incorrect items on my credit which my family and I tremendous turmoil and hardship. I have submitted a total of 3 letter disputing the issue including submitting court documents reassuring my claims to no vial. 
enclosed, please find letters with supporting documents previously sent to the companies above.

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 10-08-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Company was misallocating payments made. I would make payments and pay an extra amount every month to be applied to the principal amout of loan with highest interest rates. Company would apply this amount to fiture payments on all loans instead of principal of loan with highest interest rate. This occured throughout the months of XXXX XXXX to XXXX XXXX with over 4,000 dollars in payemnts. Contacted loan company multiple times to have this corrected and allocate payments correctly. XXXX XXXX called company again to correct their mistakes. They reallocated payments, but still incorrectly. I was unable to refinance loans through another company due to high balances. XXXX XXXX intrest rates were raised by .25 % on all loans. XXXX XXXX, my parents took out a private loan to pay off my loans through Navient. I now make monthly payments to them.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Other debt) with AFNI INC. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: CALLING MY DADS CELL PHONE AND WILL NOT STOP COLLECTING ON  XXXX , THIS DEBT WAS PAID BY   XXXX   IN A OUT OF COURT SETTLEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME.

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 04/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with BorrowersFirst, Inc. (AZ).
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint: The company called me at this morning which is outside of the allowed time frame, I explained to XXXX that I reside in AZ and it is not MST but we are currently on PST. She stated she was calling to resolve the debt and asked when was the best time to call. I advised her to call within the allowed government time frame to discuss the matter and that I was currently unemployed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Credit reporting () with Rent Recovery Solutions (GA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I reported last week that Rent recovery was reporting XXXX different accounts with the same amount. XXXX in the amount of {$3800.00} is listed twice on my XXXX and XXXX for the amount of {$3400.00} same date same amount but twice and they say this is legal and valid how? I noticed they took one off in XXXX but added it right back on which is illegal. I am attaching all the proof. I check my report every single day. I am trying really hard not to get a judge involved but it seem 's to be the only way because nothing is being done about it. I sent them a letter certified mail and they have failed to respond the letter was sent XX/XX/2016. Please investigate this company they are reporting inaccurate information and trying to collect on bogus debt and I can prove that as well because the company is no longer in business. No one has explained to me why is it on my report twice and for the same amount. I want it fixed and corrected. they removed the {$3800.00} but added it right back on twice. I ca n't wait to see them explain this to a judge. I have provided the proof they removed it and added it back on.

Company response to consumer: Closed with explanation
Consumer complaint received 11-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I have a citibank XXXX XXXX credit card. I filed a restraining order against my spouse on XXXX XXXX after she became XXXX with me and XXXX to XXXX me. The Police served her with the restraining order and removed her from my apartment. Since then I have not had contact with my sponse. On XXXX XXXX, my spouse charged {$5000.00} to my citibank tXXXX premier credit card. I informed the credit card company the same day that the charge is fraudulent and requested to cancel the charge. They asked me to call the merchant to cancel the charge, which I did, but the merchant refused to cancel the charge. I then sent an email to Citibank credit card on XXXX XXXX, again informing them that this is a fraudulent charge and asked them to cancel the charge with the merchant. Since then Citibank has said " they are investigating '', but have provided no information. I have called them about 5 times in the past month, and they are now refusing to refund despite the difficult circumstances that I am going through. Citibank has failed in their responsibility to put a stop payment on the charge on the same day that I informed them. Further they have caused me a huge loss and failed in their responsibility to cancel the charge with the merchant despite being informed of the circumstances. I seek redress from CFPB. Please help. Kind Regards

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 12/29/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CO).
Issue: Transaction issue

Complaint: On XX/XX/2016 we stayed at a XXXX in XXXX UT and used our American Express Bluebird card to pay for the room. As per normal they held funds to cover the transaction then charged the funds, but they never released the " hold ''. When I called the XXXX they informed me that they did not do automatic releases and it would be up to my financial institution to release the funds. I called American Express and was told that they could not release the funds either, it was n't their " policy ''. So-XXXX will not do an auto release, even though they have been paid, and American Express will not release because it is not " their policy ''. So who has my {$88.00} and who is responsible for returning these funds to me? It has been nearly XXXX weeks and someone still has my {$88.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: As part of our mortgage modification we sought the ability to pay our taxes and insurance independent of our mortgage in order to better manage our monthly expenditures. We communicated our desire to pay our own property tax and home insurance and not to have them escrowed to the relationship manager at the mortgage company people during the modification and trial payment process. Each time we were told that it could be arranged. This was important because it enabled us ( as we told the mortgage servicing company ) to better manage our monthly finances. During the modification process at no time did they state that this could not be done. 
We are now being told by the Mortgage Servicing Company that they can not allow us to pay our own property tax or home insurance ; and that it must be escrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've called XXXX numerous times for these credit inquiries to be removed and I ca n't get through I call at XXXX and the operator says the office is closed. I tried, and tried and tried, but there is no direct number to speak to a fraud specialist pertain to credit inquiries. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Equifax I ca n't into to see the investigation after they send me an email. It locks me out. 
Says I entered wrong information.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Debt collection (Credit card) with Bison Recovery Group, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX refuses to communicate with Bison Recovery Group concerning my closed account. XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2017 about Credit reporting () with FORD MOTOR CREDIT CO. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: While checking my credit score XXXX is showing a lein on my home by Ford Motor Credit LLC. 
This information is not correct and should never have been on any credit reports. I have documents from my Attorneys office that shows the information is false.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Closing/Cancelling account

Complaint: My 18-year VISA card through Bank of America was cancelled without notice. I have been managing payments on this account through the iPhone app and online for the last several years without any problems. 
I called an spoke to an agent who told me that the reason for cancellation would be explained in a letter being mailed to me within one week. 
I received a letter saying that a payment for the account had been returned unpaid ; this is incorrect. The app on my phone indicated that a payment had been made when I submitted it but my bank never received or responded to the request. I waited a few days and resubmitted the request, which was funded immediately. 

Now I have a letter saying I 've been charged an outrageous 'fee ' for the 'returned payment ' of {$1000.00}. No acknowledgment that this was an error of their phone app or that the account has always been in good standing since 1998. The letter further asks me to call XXXX to arrange payment but the computer then tells me I do n't owe any payment at this time. 
No options for discussing with an agent/representative.

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 10/16/2017 about Mortgage (VA mortgage) with WELLS FARGO & COMPANY (TX).
Issue: Struggling to pay mortgage

Complaint: I reached out to Wells Fargo concerning my mortgage payment and asked for help in filing a Loan Modification. During the process Wells Fargo has given us 4 to 5 different Loan Modification Specialist and each time they lose paperwork, we 're having to start the process over again and requesting us to scan and fax papers over again. I believe this is one of Wells Fargo tactics to say they 're trying to help but only assigning us to different Loan Modification Specialist and will continue until we so far behind we have no other option but to file bankruptcy. I do n't believe Wells Fargo is trying to help us save our home. We have enough money coming in to keep the mortgage paid on automatic draft once a month due to my spouse military XXXX of 70 % and the military is working to increase her military compensation. Due to the weather and recent hurricane damage we needed time to make repairs on our home and reached out to Wells Fargo for help with this matter. Wells Fargo has open many Checking and Saving accounts in my name without my approval but ca n't help me with a Home Modification. I would like someone from Wells Fargo to truly devote their time to helping us save our home. 

XXXX and XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 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 06-09-2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing disputes

Complaint: Citibank reversed charges of a overcharge by a merchant, only to reinstate them, and arbitrarily deny me of due process while showing proof of wiring funds to the merchant.

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XX/XX/XXXX, Equifax learned of a data breach that occurred from mid-XX/XX/XXXX to XX/XX/XXXX. The breach affected 143 million consumers, and the information disclosed through the breach includes names, Social Security numbers, birth dates, addresses, drivers license numbers, credit card numbers, and dispute documents. Using the official website for information about the breach, www.equifaxsecurity2017.com, I was told that I may be among the consumers impacted. Obviously, I did not consent to the sharing of this information. I have a shorter credit history, so any negative effects from this breach can severely impact my credit health. Considering the amount of sensitive information in this breach, I believe the one-year credit monitoring provided at the above website is an inadequate solution to prevent identity theft and credit fraud. In addition, the resolution requires me to waive my right to class action, which I believe is unfair, considering Equifax is completely at fault for the data breach of millions of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My credit report is now showing an address that I do not recognize. I would like to know where the bureaus obtained the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX address. I did live in XXXX before, but never at this address. Any account associated with this address is fraudulent and does not belong to me. Please remove this address from my credit report and please notify me if there is any accounts / reporting associated with this account.

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 04-12-2016 about Debt collection (Auto) with Autovest, L.L.C. (WA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX XXXX I signed a payment agreement on an agreed judgment which included service fees, filing fees, and listed an interest rate of 12 % per year. As agreed, I began making monthly payments beginning XXXX XXXX, with the most recent payment being made in XXXX. On XXXX XXXX XXXX the company representative told me my balance was {$3500.00} more than what the initial balance was on the agreed judgment. I disputed this and she stated she would work with the legal team to get this resolved. I called the company to follow up on this on XXXX XXXX XXXX and the issue still was not corrected. At this time it was explained to me, the additional amount was attorney fees and other fees they forgot to put in the original signed agreement, and that she was n't sure when this would be corrected.

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 09/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Innovis (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: All four major credit bureaus XXXX, XXXX, XXXX  and innovis have illegally hoarded my person information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 4 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all four credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I had on XXXX XXXX 2014, paid to this company all medical bills that they had on file. I also went to XXXX XXXX and paid off all debt that they have had for me. This was over 3000 dollars and they told me that I did not owe them anything else. I have recently received phone calls and was very rudely told that I could not receive a statement. I asked for a statement in paper in XXXX for taxes. They did not send it. Instead they offered an over the phone statement. Now they are saying they sent a paper one and that if I wanted to know if I owed it I should look at the statement I was " given '' in XXXX. They have been reporting this debt to my creditor and I have no idea where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: There are several inquires listed through a company named XXXX. I did not give anyone authorization to pull my credit XXXX/XXXX/2016, XXXX/XXXX/2016 and XXXX/XXXX/2016. I am disputing this and disputing with the actual company. This has to be against the law. Why would anyone pull their credit three times in one month?

Company response to consumer: Closed with explanation