milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: paid all the arrearage amounts on my loans and little to nothing was removed from the principal balance. it appears that they have been automatically recapitalizing late payments to the principal balance. whenever I make payments nothing ever comes off the principal balance of my loans. I recently paid almost {$4000.00} of payments and less than {$100.00} came off the principal amount. The loans were being amortized down faster before I consolidated them with myfedloan.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Debt collection (Medical) with Creditors Specialty Service Inc (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I was sent to XXXX for an XXXX on XXXX/XXXX/XXXX, by representing counsel, after being involved in an auto accident on XXXX/XXXX/XXXX, and was informed by the attorney that if I did not win the case, I would not have pay anything. I received one statement for an overdue account from XXXX in the amount of {$3000.00} in XXXX XXXX. I contacted them to inquire why I was receiving this bill, and provided them with the termination letter from the Law Office, indicating that no money was received from the law suit, per their request. In XXXX XXXX, I received a letter from Creditors Specialty Service , Inc., requesting the amount of {$5200.00}. XXXX XXXX ( CSS ) also contacted me at my job, demanding payment and a call back immediately, threatening to garnish wages and to put a lien on our property. I contacted XXXX XXXX ( CSS ) on XXXX/XXXX/XXXX and requested that she stop calling me at my place of employment. On XXXX/XXXX/XXXX, I spoke with XXXX ( XXXX ) and informed her that I was never given the opportunity to pay this debt, to make payment arrangements, or to utilize my personal medical coverage to resolve this issue, and informed her of the amount that CSS was attempting to collect. XXXX called me back within the hour on XXXX/XXXX/XXXX, and stated that after talking to her supervisor, they felt that CSS was attempting to collect too much for the debt, and she and her supervisor XXXX would be contacting CSS to inform them that the total amount that they could collect ( medical expenses/fees ) would be {$1000.00}. On XXXX/XXXX/XXXX, XXXX XXXX ( XXXX ) called me at home, and attempted to collect the debt. I informed her of the modifications made by XXXX ( which she initially stated she unaware of ), and demanded the payment in full for {$1000.00}. I informed her that I would be willing to make a payment arrangement with CSS ( per XXXX, this would be an option ), and was told that I could not make any payment arrangements, and that I could pay for the debt in full using my XXXX credit card, when she indicated she was looking at my credit report and could see the available credit to use. In addition, she made threats on both occasions to take me to court, and report to credit bureaus. I did not authorize CSS to access my credit report, and feel that this is a violation of my privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 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: Personal information incorrect

Complaint: The following names on are incorrect on my credit report : XXXX XXXX ( Extra XXXX in my first name ) XXXX XXXX ( Last name spelled with a XXXX ) The following addresses on are incorrect on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( This address is not correct. Where did park come from? Also, it 's classified as an apartment ) XXXX XXXX XXXX XXXX NY XXXX ( Missing XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX NY XXXX ( totally incorrect as the apartment is in the street )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-12-2015 about Credit card () with CITIBANK, N.A. (NC).
Issue: Other

Complaint: This complaint is in reference to previous complaint : [ Case number : XXXX ]. 
Citibank has address my dispute in a capricious manner. After submitting a dispute for XXXX charges fraudulently submitted on my credit card, Citibank has only XXXX of my disputes. Although was told that I would be notified my mail I was notified only by web notification and given only 10 days for my reply. XXXX of their documents had no option for describing the circumstances of my dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Billing disputes

Complaint: I am being billed {$500.00} for a credit card bill that XXXX XXXX put in unauthorizedly and American Express refuses to remove it. I only authorized one payment to XXXX XXXX of {$500.00} but he put in first an additional {$1000.00} that was denied and another {$500.00} when they would not give him {$1000.00} as I did not have that much credit with American Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/28/2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Billing disputes

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several hard inquiries on my XXXX XXXX XXXX XXXX report that I do not recognize. They are negatively affecting my credit score. 

XXXX XXXX XXXX Inquiry : XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX CAPITAL ONE AUTO FINANCE Inquiry : XX/XX/XXXX - Finance CAPITAL ONE AUTO FINANCE XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I did not give permission to run my credit to these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2015 about Debt collection (Medical) with CMRE Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have had government medical insurance and have not needed to pay for any medical services for the past ten years. This could be a mix-up between my father and my credit, since we have the same name, except I am a XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Credit reporting () with EARLY WARNING SERVICES, LLC (NJ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: To Whom It May Concern : THIS IS a request to have invalid address 's and different variations pf my name deleted from my consumer file. I request Early Warning to remove inaccurate information that they and or the Banks that they service has put on my consumer report. These following addresses I am here and now disputing as addresses that I AM NOT associated with and I DO NOT LIVE AT NOR HAVE I EVER LIVED XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( WHICH IS MY EX-HUSBAND 'S RESIDENCE NOT MINE ) XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX , XXXX XXXX ( THIS IS MY PARENT 'S HOME NOT MINE PLEASE DELETE ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX AGAIN ASK YOU TO DELETE TO DRIVERS LICENSE INFORMATION ON MY CONSUMER REPORT : DRIVERS LICENSE NUMBER : XXXXSTATE OF ISSUANCE : XXXXFINANCIAL INSTITUTIONS : XXXX XXXX XXXX XXXXI have also attached the police Report that I have filed here is XXXX, XXXX I have filed for ID Theft protection because there is no way I can leave in XXXX different states a one time and then XXXX different cities and all these different address. Please remove this address 's and the financial institutions that are connected to them because these are not mine it is fraud. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/18/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CT).
Issue: Managing the loan or lease

Complaint: Why, if you are reporting the account as paid timely in XXXX XXXX to XXXX XXXX, are you then reporting the account to XXXX and XXXX as paid 30 days late in that same month of XXXX XXXX. Obviously both statements can be true so why are you confirming to the credit bureaus that you have investigated this account and both of those statements are true? 
Additionally, you are reporting the account to XXXX XXXX as late for the months of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. On XXXX XXXX and XXXX you have reported these months as paid on time. 
Additionally you have reported to XXXX XXXX that the account was paid on time in XXXX of XXXX then the next month in XXXX XXXX it shows as 60 days past due. You claim to have " investigated '' and found this to be accurate. If you can explain this accounting of timely in XXXX then 60 Days late the next month in XXXX, I would love to hear that explanation. 
Finally, your correspondence of XXXX XXXX, XXXX indicates that the account was late 3 times 30 days or more. If this is accurate, why did you subsequently verify to the credit bureaus the 60 day late payments in XXXX and XXXX of XXXX? 
I am asking for them to remove all negative late payments because they failed to perform a substantive investigation, in fact any type of investigation would have uncovered these discrepancies. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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: TransUnion has been reporting a tax lien on my credit report for most of this year. This is an error from XXXX XXXX due to their slow process to resolve issues. I have sent TransUnion requests to validate and verify with XXXX XXXX XXXX XXXX XXXX and provide proof based on the right 's given to me under Sections 610 ( A ) ( 1 ), 605, 609 &  623 of the FCRA. TransUnion 's response was a claim that they certified the information was reporting accurately. They NEVER sent the proof I requested so I contacted the XXXX XXXX XXXX XXXX XXXX requesting to see this information that TransUnion claims to have verified. XXXX XXXX XXXX XXXX XXXX sent a letter stating that operators may confirm a specific tax lien has been recorded but operators " CAN NOT VALIDATE OR VERIFY RECORDED TAX LIENS ... .Recorder has NO ABILITY OR AUTHORITY to validate or verify recorded tax liens. '' I sent that letter to TransUnion explaining that they are still reporting information that has NOT been properly verified and based on FCRA Sections 611 ( 5 ) ( A ) & 1681 ( A ) ( 4 )  the information they are reporting must be deleted. I called TransUnion on a couple occasions and have been disconnected when asking to receive the information they claim to have verified. My last conversation was with a lady named XXXX at XXXX XXXX on XXXX/XXXX/XXXX. XXXX was informative. She claims that TransUnion verified the information although company policy could not let them share the alleged verification due to company policies. I told her to reference the letter I sent from XXXX XXXX RXXXX XXXX XXXX and she stated that the letter was only referencing calls made to the XXXX and she completely ignored the statement in the letter clearly saying that the " Recorder has NO ability or authority to validate or verify recorded tax liens. I asked to speak to a supervisor and a very similar conversation took place. I asked to receive the proof that the information was actually verified, [ which again is my right and their responsibility based on FCRA Section 610 ( A ) ( 1 ) ], and my call was disconnected. I have notarized documents that XXXX XXXX XXXXt has in their possession, which shows they have reported inaccurate information. So I am very confused how TransUnion can certify and still report any of this inaccurate and improperly verified information. 

I have been attempting to resolve this matter with Transunion through mail, phone calls and various documentation and have NOT had any success. Please have this credit bureau remove the improper and unverified blemishes from 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 09/14/2017 about Mortgage (Home equity loan or line of credit (HELOC)) with Specialized Loan Servicing LLC (NC).
Issue: Trouble during payment process

Complaint: Several attempts have been made to Specialized Loan Servicing ( SLS ) for the information regarding the second version of the Home Equity Credit Line Agreement and Disclosure Statement that shows a rubber stamp indorsement of XXXX XXXX XXXX. SLS has refused to provide me and my wife with the time or the date or the year they acquired this copy. This we believe is a violation of our rights to loan information and considering our adamant declaration that this copy is not the one signed at closing, we have incurred damages and continue to be damaged by SLS refusal to fairly communicate in any attempt for us to resolve this issue. If this violation of our rights continues and results in court costs, we will demand all our expenses to be reimbursed. 
UNDER CFPB CONSUMER LAWS AND REGULATIONS UDAAP We request from Specialized Loan Servicing the information pertaining to When SLS acquired this copy with rubber stamp indorsement of XXXX XXXX XXXX and from what ENTITY or PLACE or PERSONS That this COPY was received from or provided to SLS

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 06-12-2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I had an open complaint with the CFPB regarding my loan with Wells Fargo. I reviewed their response via your web portal in which they stated they were unable to reach me. The response infuriates me, because Wells Fargo DID NOT act in good faith to allow sufficient time for me to respond to a call. When I spoke with an agent, XXXX XXXX, in the office of the president, she maintained that the responses were, in a word, canned responses, and that the " CFPB knows what we mean when we say we are unable to make contact. 

As a consumer, I find it appalling that a company like Wells Fargo can get away with providing false and inaccurate information to a branch of the federal government, and if it is true that the CFPB " knows what [ they ] mean '', I do not understand how it is possible that the CFPB is protecting consumers. It would seem that the CFPB is catering to the lenders and agents who are abusing consumers rather than taking these lenders to task over false and/or inaccurate information. 

When I asked Wells Fargo to provide a clarification letter, they stated they would n't because that was not how the " CFPB wants [ them ] to communicate. '' Again, it would seem like the agency tasked with protecting consumers prefers to have inaccurate information provided to it versus forcing the lender or company to be truthful in their statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Debt collection (Payday loan) with Bryant Bryant & Associates LLC (CT).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I 've been getting calls from company called Bryant and Bryant associates claiming be lawyers office. However, I research them on XXXX and their are collection company. This is total against law and violates debt collection rules. A XXXX XXXX has called me numerous times saying he 's got legal claim against me in his office. I 've saved voicemails sent in last three months. Company refused to verify debt through mail. They called and harassing my family friends and job. They claim be lawyers office however, they are only collection company. State of Ct says that this company ca n't charge without crime its civil issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Consumer Loan (Title loan) with Western-Shamrock Corporation (TX).
Issue: Charged fees or interest I didn't expect

Complaint: Do to my spouse and I separation, I had a banking issue so I went to the company ( WESTERN FINANCE ) and asked Western finance not to post the check when they received it because it was not going to pay. After the XXXX XXXX agreed to contact when the check arrived she later posted it to my account ( stated that her supervisor had told her that she had to post it ) then charged me for it and return fees and also now has submitted paper work to take my vehicle. I have had XXXX loans with this company and paid them all back I would say I have a pretty good record with them but because I am not keeping things professional the store manager and her supervisor are have decided that they are going to not except my normal payment that was due. I contacted Supervisor I asked why did they post the the payment she became argumentative so I asked for a higher up she told me she was IT and there was no one else I could talk to and there were other numbers I asked for anyone else she told me the only one was the owner above her and she refuse to give me any numbers to call. I want to resolve this situation but I can not at this time of the year pay above my normal amount of my money I went to them for my protection and theirs prior to them receiving the check so this would not happen I asked if I could pay partial payments to make up for the check and that was sent on the XX/XX/2016 and on the XX/XX/2016 I sent them another payment but they would not except the payment because it was partial. XXXX the GM says that I now owe XXXX but she will do me a favor and allow me pay XXXX but I told her I have XXXX I can pay she said she can not except partial payments but XXXX is also partial payments.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2016 about Mortgage (Other mortgage) with Credit Karma, Inc. (OH).
Issue: Application, originator, mortgage broker

Complaint: My credit report shows I took out a mortgage loan in XXXX, but I did n't I have never applied for a mortgage loan and do not have one. Also it says I filed bankruptcy in XXXX when in fact it was XXXX. Please help.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: Re : Account Interest Checking-  XXXX   CITIBANK promis ed a {$400.00} new account promotion for depositing {$15000.00} and maintaining a balance there for some time.     I made the deposit and continued to increase my account balance over the next 90 days . For one emergency situation, I withdrew {$40.00} or {$60.00} from a Citibank ATM, w hich had my balance dip below {$15000.00} temporarily.     However, I continued to make deposits in to my Citibank account  and maintained a balance north of {$15000.00} and north of {$20000.00} for some time.     I called the  XXXX  customer service number a few times to inquire about my bonus - first in   XXXX   XXXX   and again in   XXXX   XXXX  . Both times I was assured that I had already fulfilled the requirements and that the bonus would be credited at some time in the future.     When I inquired again about the bonus in   XXXX   XXXX  ,  Citibank then den ied me the bonus. I requested an investigation by the  Citibank Executive Response Unit and again I encountered unprofessional and deceitful  behavior by  XXXX   XXXX  and  XXXX   XXXX , who sit in  XXXX   XXXX , Texas.      XXXX   XXXX  stated that they received all account records and calls and said no one ever said that I earned the bonus. I immediately told her that this was false, because I was told on a few occasions by customer service representatives that I had earned the bonus.      XXXX   XXXX  then stated that I spoke on the phone with  XXXX   XXXX  about the results, which again was false. And  XXXX   XXXX  that  XXXX   XXXX  mailed the results, which again  is FALSE.      I am now in process of closing the account, but I am still insisting that  Citibank  abides by the promise, sinc e Citibank told me t wice that I had, in fact, earned the bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Debt collection (Medical debt) with ALCHRO INC. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On Wednesday, XXXX XXXX, 2017 I contacted XXXX XXXX XXXX XXXXXXXX to pay a past due bill of {$150.00} on my credit report. A bill I did n't know I had, but wanted to pay for. I was informed that the total amount due was {$200.00} that included a " Deletion fee of {$15.00} '' I paid the {$15.00} because I wanted to have the record deleted immediately. After I paid it, I was told they would delete the bill from my credit report on the first of the next month. Why did I pay the extra {$15.00}? Is n't it there responsibility to delete it once it 's paid? I emailed them and asked them to refund my {$15.00} and the response was this : Hello, you were advised it will be sent to all Three Credit Bureaus on the XXXX of the month to be removed from your credit report. The {$15.00} was the deletion fee to have it deleted from your credit. If you have any other questions or clarifications please contact me at # XXXX ext. XXXX. I have never had to pay to have something deleted from my credit report before.

Company response to consumer: Closed with explanation