milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2017 about Credit card () with CITIBANK, N.A. (FL).
Issue: APR or interest rate

Complaint: On XXXX XXXX, XXXX I contacted CitiCard regard ing my CitiForward to make inquiry on my Visa Signature Account. Upon inquiry as to the interest, I was advised that the account was in default status due to a payment received one ( 1 ) day late stemming from a one day late payment made in XXXX, XXXX. At that time I advised the representative that time due to death in my immediate family and being out of town I did not make the payment. Subsequently a payment was made, as well as a request for a one time waiver of the late fee. Same was granted based the account history. Additionally, I made inquiry as to whether the interest rate would be affected due to the late payment. I was informed by the account specialist that the account was not showing an increase in the rate and that same would be showing on the account already if applied. Based on that statement I made no further inquiries as to any increases in the rate. According to the credit card reform act of XXXX, a credit card issuer must advise the consumer of any increase in interest in writing prior to adjusting same. I received no such correspondence advising me of such increase. Additionally, the Act states " if you are 60 days late on a credit card payment, then your issuer can raise your interest retroactively, but you must be given the opportunity to earn back your previous rate if you make your minimum payments on time for six months ''. This opportunity was not afforded to me by the issuer as no additional payments were late after the XXXX, XXXX payment. However the issuer did not re-evaluate the account at six months, but rather continued to access the account a 29 % interest rate and would have continued to do so if not for my inquiry of today, XXXX XXXX, XXXX. I am seeking to recover the additional interest charged on the account from XXXX, XXXX thru XXXX, XXXX in the amount of {$210.00}.

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 04/24/2017 about Mortgage (FHA mortgage) with U.S. BANCORP (NV).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: XXXX   XXXX   XXXX  is my client. This is attorney  XXXX   XXXX . He is married with  XXXX  children. He has  XXXX  people living in his house. It is a very humble house in a very old neighborhood. It is way  upside d own. I have applied for  three  modifications for this man with  US Bank,  and he has been turned down each time.   This time, he was turned down and the letter says he was turned down because of " discrepencies in his application. '' Then it says, if you want to know what the discrepancies are, you have to GET A SUBPOENA. This is an auto mechanic with  XXXX  children. He obviously can not afford to hire an attorney to file a lawsuit and obtain a subpoena.   Also, when you cal l US Bank, ev en if you are an attorney such as myself, and even after they verify you with the client 's home address, social security number, date of birth, and confirm that they have a signed, notarize d Power of A ttorney from the client authorizing the attorney to handle their modification, the bank insists on getting the attorney 's personal social security number or taxpayer ID number. If you do not give them your private information, which they have absolutely no need for, they hang up on you.   Help me save this man 's house and get answers to the modification effort.    XXXX   XXXX  is the borrower, I,  XXXX   XXXX , am his attorney.

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 01-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have requested information from National Credit System and the original creditor ( XXXX Company ) about the alleged debt but they will not answer my many request. They want let me know when they released the apartment and as stated in my many request I moved out and gave them notice as required by my lease and they continue to try to collect on a debt I dont owe and the alleged debt is past the SOL XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2017 about Debt collection (Credit card) with Mary Jane M. Elliott, P.C. Attorneys At Law (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On or about the last week in XXXX XXXX, I called XXXX to pay my XXXX XXXX Bank collections in full. They referred me to the Law Offices of Mary Jane Elliott. I called the law offices to obtain the payoff balance which was {$600.00} and made arrangements to pay it in full by XXXX XXXX XXXX. On Friday, XXXX XXXX XXXX, I called the law offices of Mary Jane Elliott and made a phone payment in full via my checking account in the amount of {$600.00}. The deb collector on the phone told me that a lawsuit had been filed, however, I had not been notified or served and she stated that the lawsuit would be dismissed and I would receiving a paid in full letter and also documentation that the lawsuit would be dismissed and removed from public record. 

Throughout the month of XXXX, I have been receiving daily robo calls from XXXX attempting to collect on this paid in full debt. 

Yesterday, XXXX XXXX, XXXX I pulled my credit report. XXXX is still reporting this debt as outstanding with a {$55.00} balance, even though it was paid in full on XXXX XXXX. 

Today XXXX XXXX XXXX, I called the Law Offices of Mary Jane Elliott, and was told that my account was paid in full. However, they have not dismissed the lawsuit and the rep on the phone refused to give me a time frame in which they would dismiss it. She said they would not vacate the judgement. She also said her office would not be sending a paid in full letter. 

I am reaching out for help because XXXX has been in trouble with government and CFPB before for unfair debt collections practices. This is a debt that was paid in full that they are still attempting to collect on, which is negatively impacting my credit. 

Both XXXX and Law Offices of Mary Jane Elliott ( which is just a shell company for XXXX ), need to be held fully accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Look identity thief is the hardest thing to fix I will not pay for help to fix it this why I have had XXXX XXXX and XXXX I will not spend the rest of my years trying to correct this. It XXXX for someone to be low life and get stuff ber my name the only credit card I have is through my bank since XX/XX/XXXX. I 'm tired of all this because that 's how companies make money not from me, I live on XXXX a month I do n't even get bye there are XXXX items that should have been removed in XX/XX/XXXX went I sent first dispute to Experian I will not continue to do it again they failed the first time. Funny my Senators replyed to amusing.

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 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: We set up payment for interest payment only for one loan and paid over every month. The extra money paid to the loan was not applied to the principal, it was applied to the monthly payment. We also called to get the two loans consolidated so that the payment would be lower. They said that we could not do that. I also asked about reducing the payments and they also said that they could not do that either.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (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: MY QUESTION IS WHY A COMPANY THAT SUBMITS CREDIT INFORMATION ( AND HAS A RIGHT TO DO THAT ) AND FINDS THE ISSUE WAS RESOLVED DOES NOT HAVE THE ABILITY TO HAVE THAT CORRECTED SO ONES FICA SCORE CAN BE CORRECTED ( AT LEAST BACK TO WHERE IS WAS WHEN THE ORIGINALLY REPORTED THEIR ISSUE?   This makes no sense, being they can not do that could cost a consumer a loan or a higher interest rate because of something that is incorrect.   Not fair, common sense would suggest that is a report is received and proper resolution is found due to a mistake or judgment error ... whatever, they should have the ability to go in and correct th e FICA score and according to Discover, th ey are not allow to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Mortgage (Conventional fixed mortgage) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Application, originator, mortgage broker

Complaint: This business does not communicate in a timely or effective manner regarding applications for home mortgages, or refinancing, which forced costumer to complaint and request information regarding the status of her loan application in an open Costumer Service comment box. To which the Loan Originator reacted in a rather unprofessional matter, costumer had to ask XXXX XXXX ( loan Originator At citizens One ) to lower his voice and to please transfer the loan application to another Loan Originator. Customer also requested to speak with a manager ( XXXX XXXX ) and made the same request. 
The Customer request were ignored and the lack of communication regarding the loan application continued. Customer made another post on the general Citizens Bank complaint box and immediately received a very animated call from XXXX XXXX telling the customer that she has been denied. 

This customer has documented all the attempts to try to get her loan application transferred to another loan originator given the lack of professionalism of XXXX XXXX, this customer discussed this transfer with XXXX XXXX who is the local Citizens Bank Loan specialist at the branch where this customer does her banking, XXXX XXXX seemed eager to help the customer get the loan application transfer to her until she contacted the Loan XXXX, XXXX XXXX. XXXX talking to XXXX XXXX, XXXX XXXX called customer to report that XXXX XXXX told her that the loan application could not be transfer, costumer has a voice message with this information. Now customer is extremely concern given thath all her sensitive financial information is with individual that have kept her in the dark about her loan application process, have disrespected her as a customer by yelling over the phone for having asked about her loan status, have been lied to not only by the loan originator but also by a manager. 

This customer is kindly requesting the neutral review of her loan application by an external agency as well as a the refund of the funds paid towards the home appraisal. I can not express enough how unprofessional and stressful this experience with Citizens One has been. Not to mention that my XXXX Credit score may be impacted by having this inquiry done, that can not be repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We owed XXXX XXXX dollars, we sent them the payment and the check was cashed. The collection company TRANSWORLD SYSTEMS INC, is still sending the collection letters. I tried to contact them by phone and their web site and they do not respond. This is an abuse and I am afraid that they can ruin my credit for something I have already paid

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: Upon reviewing my credit report noted Capital One Bank USA on my reports for total of {$1600.00}. My total limit was {$1200.00}. I called weeks before these fees incurred to close account and was assured it was closed and my balance was less than {$1000.00}.
If requesting account to be closed why do I have a total much more than my limit?
I 'm requesting this account to be reviewed for accuracy and false reporting and charging of fees.
This report is false in fees and interest, accuracy. I requested this account to close way before the fees and penalties incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2015 about Money transfers (International money transfer) with JPMORGAN CHASE & CO. (CO).
Issue: Fraud or scam

Complaint: I gave my mon-ey to JPMorgan Chase bankand asked ifthey could getit to therecipient inXXXX. Theysaid couldhandle it, andthat theywould takecare of it. 

Money nevergot to the beneficiary in the bank inXXXX! 

If I had n't been confident ofthe bank assuring methat they couldwire my moneyto XXXX, andthat thebeneficiaryin XXXX would get the moneyI would nothave givenJPMorganChase mymoney!

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Other debt) with Carter-Young, Inc. (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In XXXX XXXX, I received a letter dated XXXX XXXX from Carter Young , Inc. attempting to collect an alleged debt of {$130.00}, that I was n't aware of. 

On XXXX XXXX, XXXX, I properly disputed the charge via mail, email and phone call. You can find attached a copy of the correspondence. 

On XXXX XXXX, XXXX, Carter Young sent an e-mail in order to prove the legitimacy of the debt. However, Carter Young failed to provide any physical proof showing that I ever owed the alleged amount to their client. In fact, the provided proof was a letter from their client mentioning that I once agreed to paying {$130.00} as an application fee. In addition, their client mentioned that I agreed to certain terms but failed to provide proof of my agreement. Also, as part of the proof, Carter Young sent a copy of my driver 's license picture, which was taken as part of a promotion during my visit of their client 's premises. As you can see attached, this does not appear to be neither an agreement between me and Carter Young 's client nor does it appear to be a contract to pay. 

On XXXX XXXX, XXXX, I sent another email to Carter Young asking for a copy of my written agreement  and/or signed consent to the alleged terms. 

On XXXX XXXX, I received a call from a Carter Young 's employee ( XXXX ) letting me know that their client could not provide physical proof to the agreement. In addition, she mentioned that the debt was up for reporting. I informed her that I would need all communication in writing and she sent me an email stating that their client could n't prove the debt but still needed payment for this debt. 

Carter Young is trying to collect a debt that It can not prove and is threatening to report this disputed and unproved debt. Carter Young is solely trying to collect a debt just because their client said there is a debt although they can not prove that I ever agreed to paying any amount of money to their client or ever entered into a contract with their client. Therefore, I am asking to have this collection dropped since the debt can not be proven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent disputes to Experian over 45 days ago and when they finally did respond they said they were " unable to honor XXXX my ] request.. '' due to a limited amount of information. This is not true! I gave them a reason for each dispute and detailed explanations. They are attempting to stall the investigation and this is unfair! My name has been defamed because of the numbers erroneous accounts they are reporting. It is my right to dispute these items and by law they must investigate and respond. They have failed to do their part and need to be held accountable! I want these erroneous accounts deleted immediately! I have given them more than enough time!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: They are refusing to follow the law. This is willful noncompliance. The FCRA clearly states the information in the credit bureaus files is the information that they store in there computer base on every consumer. The 610 ( a ) ( 1 ) [ 1681h ] identifies the proper identification required ( drivers license and SS card ) + a written request by the consumer. Basically it says that if a consumer asks the correct way, in writing, and has properly identified themselves, the XXXX bureaus are required to disclose to the consumer exactly what documents are stored within their computer base that were used to verify the information that is being reported on them. There are XXXX instances revealed in subsection ( XXXX ), ( XXXX ), whererby " accurate '' information can be removed. 1. ) if the information is outdated in Section 605. 2. ) The information can not be verified. " Verification '' is the focal point. I have attached the FCRA sections that state what I am stating as proof. I have also attached a letter from one of the hard inquiry companies that shows they requested to remove this hard inquiry by all XXXX bureaus yet Experian still reports this inquiry. If this is not corrected I will take this to civil court. In the FCRA it also addresses the legal penalties to willful noncompliance.

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 08-12-2016 about Debt collection (I do not know) with OPTIMUM OUTCOMES, INC. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have notified Optimum Outcomes that I was a victim of Identity Theft and I provided Optimum Outcomes with a Identity Theft Affidavit. To date, Optimum Outcomes has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2018 about Debt collection (Mortgage debt) with Leopold & Associates, PLLC (NY).
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint: In XX/XX/2017 I was hand delivered a legal Foreclosure Notice by a debt collector in New York State. The Plaintiff is identified as XXXX XXXX XXXX XXXX XXXX ( XXXX ). The debt collector is identified as the " law Firm '' attempting to Foreclose on my property. 

I am questioning if the debt collector bought the debt can he legally use the bank 's name as the Plaintiff on the Foreclosure document? 

Second question is if he didn't buy the debt, must he obtain authorization from XXXX  to pursue the Foreclosure action in court or can the debt collector file the Foreclosure document on his own and be the beneficiary of owning the home if his court case is decided in his favor? 

Clearly, foreclosing on a home is not collecting a debt, which is monetary. 

I'm in court right now, since XX/XX/2017, fighting the Foreclosure.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have sent several disputes to XXXX, Transunion, and XXXX disputing some trade-lines and Collection accounts that are not mine and every time they come back stating that the " account has been verified ''. Which is impossible because the accounts in questions I have never had or signed up for. Each dispute I made I specifically asked for proof of verification and the processes they took to validate my account. Which is my right to have. None of the companies have done that. I request that they immediately remove this illegal trade-lines off my credit report because they have not been verified as my account. There is no way that it COULD be verified as my account because I never signed up for them!

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 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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: To whom it may concern,  XXXX   XXXX ,   XXXX   I mailed a Multiple Inquiry Removal Letter on  XXXX   XXXX ,   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquiries that are being reported on my credit report. They received the letter on  XXXX   XXXX ,   XXXX   and they completed the request on  XXXX   XXXX ,   XXXX  . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for all inquiries, which wa s Inquires are  a factual record of file access. If you believe this is unauthorized, please contact the creditor. According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be inve stigated and if you do not investigate And respond, the CRA must delete the disputed information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home and potentially a business this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consum er In  best regards,  XXXX   XXXX

Company response to consumer: Closed with explanation