milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I would like to submit another complaint regarding my AFNI , INC collection account. I am so disappointed to see this inaccurate and illegal item still appearing on my credit report. I have asked AFNI, INC. to remove their unlawful account from my credit reports with the XXXX bureaus and they still refuse. I have told them repeatedly that I was aware of their illegal tactics they utilized to obtain my debt, attack and harsh me regarding this debt and finally fail to validate this debt or show me any signatures or anything owning up too it. All they have sent me is my statements from XXXX XXXX which SHOULD NEVER have been sent to collection as I explained to XXXX and AFNI that this account was overdue on the account of MAIL THEFT at my home. I have my police report number to provide XXXX. I spoke to both parties involved and was specifically told that once the debt was paid to XXXX i would have this account removed from my credit report. But, instead, in order to shoo me off and shut me up AFNI, INC. sent me a BOGUS recipe through your portal dated XX/XX/2015. starting that my debt was resolved and that it would be updated with the bureaus. Well this is WRONg, my debt was resolves a longs time ago with XXXX, i never receive a payment slip or anything from AFNI , INC ad they have no right to hold my credit report hostage anymore. If their employees are liars and they are scamming me out of money and saying whatever they think i was n't to hear just so they get my money and then refusing me what they promised then i would like their to be a record of their lies and cheating. I will not stop until they removed this account from my files with the bureaus completely. Their account is riddled with misinformation and because they have SIGNIFICANTLY violated CFPB laws i require that they remove this account immediately. I will not suffer because of them anymore. Already they harassed me and abused me over the cell phone with their robotic messengers and they forced me to pay to delete, though i had informed everyone that i was a victim of statement theft and identity theft. I can not believe these people. they forge documents and send them through your federal database and pretend that they follow the law and that they are a legitimate company but they are NOT! They are liars and sneaky and aggressive and they forge paper work and do not validate or verify any forwarded information! As a victim of identity theft and mail fraud i should NOT have to suffer! XXXX is also at fault here, obviously they did not communicate this withe their " vendors '' who abusively collect on their behalf. They all should have know that this should NEVER have been sent to collection. Then to lie to me and say pay it so it goes away, well where? LET IT BE REMOVED or I WILL PURSUE LITIGATION! I

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problems caused by my funds being low

Complaint: I am currently a customer with Bank of America and recently was accessed overdraft fees on transactions that when posted to my account had a positive balance. After review of my account it was observed that Bank of America charged me an overdraft fee for a Check # XXXX and for a pending transaction to XXXX that has not processed to my account on XXXX XXXX, 2016. At the time of both transactions my bank account balance had sufficient funds to cover both transactions and this supported by the review of my online statement through online banking. When I spoke to the customer service provider on XXXX XXXX, 2016 at approximately XXXX I was told that the fees were being accessed because my available balance was negative in my checking account, but when I reviewed the account the transaction pending for XXXX was the only transaction that overdrew the account. In addition Bank of America charged me XXXX overdraft fees on transactions that posted to my account when the available balance was positive. 
I spoke with a supervisor who also confirmed the same thing and when I requested to speak with another supervisor or consumer relations they stated someone would have to call me back. I refused this and continued to request, but was denied several times. When I informed them that I was going to file a complaint with the CFPB I was then placed on hold in order for the Bank of America customer service representative to get me to the right person. The activity on the account has still not been clarified and no resolution has taken place at this time as they are still not able to provide me with a sufficient reason as to why the account overdraft fees were accessed. The call center for Bank of America is allowed to see more detailed account information, but I am limited online to what I can view which makes it difficult to argue my issued.

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 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 03/18/2016 about Credit card () with CITIBANK, N.A. (NJ).
Issue: Advertising and marketing

Complaint: I opened a XXXX XXXX Credit Card account with Citi due to the limited time offer of XXXX points for {$2000.00} eligible spending in the first 3 months. I have access to this offer from both Citi website and XXXX website, and applied through the link offered. However, upon opening of this account, I only received the regular offer of XXXX points for {$1000.00} eligible spending in the first few months. I followed up with Citi on the limited time offer as provided, but Citi refused to honor the promised offer.

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 04-01-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attended XXXX XXXX XXXX XXXX in XXXX PA. I paid them with check number XXXX they cashed it XX/XX/XXXX. I got a loan that totaled {$3500.00}. Then out of no where here comes Navient the loan was pretty much paid off from XXXX XXXX. Navient is stating I owe over 13,000. I have no idea where that number is coming from unless the school forged my signature. I never even got my diploma from the school that ended up closing even though I graduated. So I disputed with Navient after seeing these prices even with interest it is n't possible. They want me to send signatures in so they can " verify '' if it got forged then why would I send them more signatures I 'm not making same mistake twice. I want to see where they take over and now XXXX which should have only been {$3500.00} is now over 10,000 more. As well I have it paid by XXXX, they are even showing that, the loan should be paid off cause completely by now. I truly feel like a victim where these people just keep trying to take advantage of people. I have documents and signatures and everything and they ca n't verify it and want me to send signatures. I want the loan to be gone I do n't believe I should be XXXX withered as these are fraudulent on someone book keeping or something it should n't be my responsibility to pay taxes on these fraudulent charges. I 'm done of them just magically pulling numbers out of no where. I paid XXXX XXXX I paid XXXX and Navient takes over and it 's like I paid nothing at all and surprise in XX/XX/XXXX surprise we added a number we have no idea where it came from. I 'm done, when I first disputed my student loans they said it will be updated in 5 days after a month I get an email saying well no it will take 60 days. Navient is doing something majorly illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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 need your assistance in getting these unauthorized inquiries removed from my credit file. All of these inquiries accept for 4 inquiries do not belong to me. I am a victim of identity theft and I have submitted FTC form to the credit agencies and I still have not seen any of these inquiries removed from my credit file. The only inquiries that I authorized are the following : XXXX XXXX ( XXXX ) 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 explanation
Consumer complaint received 08/16/2016 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (VA).
Issue: Account opening, closing, or management

Complaint: BBVA closed my existing, in good standing checking account after applying for their credit card product ( and was subsequently approved for a {$20000.00} line of credit ). They based this on information obtained from XXXX, who has XXXX identity theft accounts listed and neither bank will remove them. 

BBVA continues to hold the funds left over in the checking account and they refuse to speak with me and are being extremely hostile and unhelpful. 

During XXXX episode, BBVA performed a forced debit on my account in the amount of {$4800.00} for a deposit item deposited eight ( 8 ) months prior to the forced debit. I satisfied this negative balance with the party that disputed the check based on a disagreement and argument. 

A terrible bank like this with terrible actions should be investigated, fined and possibly receive additional penalties from the US Government.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
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 am filing this complaint because experian has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed.Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are required to ... '' promptly delete all information which can not be verified ''. that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 04/20/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Using a debit or ATM card

Complaint: On the morning of the  XXXX   XXXX  I realize my debit card was not in my possession. On my way to work I stopped at citi bank branch on  XXXX   XXXX   XXXX   XXXX ,  XXXX  to request that they cancel my card and issue me a replacement card but I was n't able to recieve one at the location due to their machine being down as I was told. So I visited a bear by branch on  XXXX   XXXX   XXXX    XXXX   XXXX     XXXX  to request a replacement card also. But unfortunately the machine was down also at the branch so I after speaking with the representative I decided to recieve my new card in the mail. Later on the evening I get a email from citi bank in regard to a few transactions citi bank considered to be fraud activity and to contact them immediately if those transactions were not mines. At that point I 'm so confuse because I thought that card was canceled. So after speaking with someone from  Citi ba nk dispute department they explain to me the someone use my card in  XXXX   XXXX  then I was told they would credit my account the money that was taken. The next day I recieve a call from a  investigator with question about my claim and if someone had knew my 4 digit pin and would I get a police report if needed. Long story short the denied my claim 3 times and every 3 times they ask for me to provide additional information to help with the investigation in my favor including the police report I got after the first two claims! This is my fourth claim I open with them about this matter and no one at Citi bank have yet to tell me how was my card used when it was suppose to be blocked and canceled. Citi bank continue to use the fact that my pin was use to make these transitions as a justifiable way to deny my claim I 'm not sure how that person got my card or pin or even who it even might be. Citi bank refuse to take responsibility for not blocking my card when I requested them to do so earlier that afternoon before these transaction happen and each time the I 'm given the run around as if they hope I just give up but I will conitue to fight and hope  that you guys will join me in this fight!

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 05-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions 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: I did a dispute wit EXPERIAN several times indicating the error is been reported a late payment on    XXXX   XXXX  with the account with time payment company, Experian sent me the results they never fix the error  here are the documents to support my complaint as of today 's date since Experian  didn fix  my report I decide to share with CFPB .Im attaching proof of my  XXXX  payment sine Experian  report  ed one l ate in   XXXX   payment, please review my documents and let me me know when the error is been fix Best regards   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 explanation
Consumer complaint received 04/27/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (DE).
Issue: Struggling to pay mortgage

Complaint: I have applied for a short sale of my home and have been in review for over a year. In  XXXX   XXXX  my home was appraised and an offer was submitted however due to repetitive document requests we were forced to have our property valuation redone in  XXXX   XXXX . I was advised on  XXXX / XXXX / XXXX  that the value came in higher than my offer and that I could counter or dispute the value. I was given a list of items needed to dispute that value and was advised that I had time to do so, but was not given an exact time frame. I submitted the information to the bank on  XXXX / XXXX / XXXX  showing pictures and  contractor  information for the repairs of the home. I followed up with the bank on  XXXX / XXXX / XXXX  that the documents had been received as the account representative stated it could tak e 48-72 ho urs for docs to be uploaded, however the rep at that time advised the file was closed out on  XXXX / XXXX / XXXX  for an insufficient offer and that the sale date was set on  XXXX / XXXX / XXXX . To my dismay I was not aware that the foreclosure proceedings were continuing while in active loss mitigation review. According to CFPB guidelines :  Restricted Dual-Tracking :  Under the CFPBs new rules, dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. Servicers can not start a foreclosure proceeding if a borrower has already submitted a complete application for a loan modification or other alternative to foreclosure, and that application is still pending review. To give borrowers reasonable time to submit such applications, servicers can not make the first notice or filing required for the foreclosure process until a mortgage loan account is more than 120 days delinquent. Why would this continue if I was actively being reviewed for a loss mit option? I would like to be allowed to have the valuation dispute reviewed and the opportunity to counter. 10 days is not enough time to do so in any regard.  SPS  now refuses to to give me the information I need to appeal the decision and the letter they sent to my authorized third party does not give a reason for denial or even information on how to appeal. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In early XXXX of 2015 Credit Collection Services began reporting to the XXXX Credit Bureau that I owed them {$130.00} for their Customer XXXX XXXX. In the beginning of XXXX 2015 my balance with XXXX was at {$0.00}. 
On XXXX XXXX, 2015 I faxed a dispute letter to CCS asking them to remove the unverifiable/inaccurate information that was being reported to XXXX. I never received any correspondence form CCS in regards to the debt they were trying to collect. I have yet to speak to a CCS representative or anyone affiliated with them. I have never accepted not acknowledged any debt with or through them. 

After my first dispute letter CCS updated the information which is being reported to XXXX as " Paid Collection '' which is inaccurate and untrue because they have never received any payment or form of communication from me besides dispute letters. I would like to ask for proof of payment from me to their company as well as for them to verify this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OR).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: With the recent outrageous Experian breach, I checked the website and it said we could be part of the 143 million consumers harmed by their lack of security. On the Experian website, at their suggestion, my husband and I both froze our credit because we were instructed that it could be unfrozen at any time. Now we are meeting with a loan officer tomorrow to obtain a mortgage loan to move closer to our children. When I attempted to unfreeze our credit record, I was informed that we must send a letter by snail mail along with {$10.00} each to unfreeze our credit. This outrageous extortion will cause my husband, age XXXX, and myself, age XXXX, extreme inconvenience. Ca n't anything be done about this travesty? We did not apply for this credit report with Experian and feel we should not pay anything for their lack of security practices. Shut that company down!!!

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 03/31/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX has submitted alleged cable bill to XXXX collection companies for which I do not owe. 
I have never lived at the address for which I am being billed. 

I previously made this info available to the first collection agency in XXXX XXXX. Additionally, I filed ID THEFT complaint with XXXX Police Dept., notified XXXX CREDIT REPORTING AGENCY, AND IDENTITY THEFT.GOV Now, in XXXX XXXX I am being asked to pay.

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 03/20/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I had a HELOC account attached to my property in XXXX, CA. No payments were made after XX/XX/XXXX. I moved back to New York in XX/XX/XXXX. My property was foreclosed on by the XXXX in early XXXX. 
DiTech has been sending me monthly invoices requesting payment of the HELOC. I notified them ( at the time they were Green Tree. DiTech responded to my letter ) in writing in XX/XX/XXXX, that I disputed the validity of this debt and did not acknowledge that I owed it. I also reminded them that the CA statute of limitations was 4 years and had passed. I received a letter that basically blew me off and they continued to send invoices. 
I filed complaints in NYS and CA, as well as with CFPB ( Case # XXXX ). Invoices are still coming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (CT).
Issue: Problems when you are unable to pay

Complaint: I called Paypal Credit earlier today, XX/XX/XXXX, to accept a settlement amount of XXXX which is supposed to be accepted by XX/XX/XXXX. The rep in collections, XXXX, first stated the amount is due in full and then stated an amount of XXXX over 6 months. I have a payment scheduled in the amount of XXXX for XX/XX/XXXX, I explained to him that I do not have XXXX to pay a month. If I did, my account would not have become delinquent. As you can see, Paypal Credit and their reps are asinine to say the least, they also tend to lie. Previously, one rep lied about a cease and desist on the account, there was never one placed as numerous other reps spoken to subsequently did not mention it and were willing to discuss account with me. In closing, please advise Paypal Credit I accept settlement amount of XXXX as there is several fraudulent orders to XXXX which runs into the thousands. However, I do not have full amount up front and can not afford XXXX a month.

Company response to consumer: Closed with explanation