milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-02-2015 about Credit reporting () with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed this in the past with this company to no avail because they do very little to investigate disputes. A medical office closed without sending me a bill and then put it into collections. I had no prior knowledge of the bill of only {$55.00}. As soon as I was contacted, I paid the bill in full. I am now trying to get a mortgage loan and being penalized due to this account. I do not have a single negative mark on my account other than this and I want it REMOVED. My mortgage company tells me it looks as though the negative collection has recently been put onto my credit report. Again this was a medical bill that is not even supposed to affect credit scores as of the new rules imposed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2018 about Debt collection (I do not know) with Diversified Consultants, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX-17 I WAS CONTACTED BY A DEBT COLLECTOR FOR DEBT I AM UNAWARE OF HAVE NO SIGNED AGREEMENT WITH THIS COMPANY AND I HAVE SENT POLICE REPORT, XXXX REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT.I am citizen of the unites states of age, would like to make a complaint against operating collection agency XXXX XXXX XXXX # XXXX, who does not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the ( FCRA ) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B, 615 ( f ), 623 ( a ) ( 6 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/14/2017 about Debt collection (Credit card debt) with Moxley & Associates, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Moxley & Associate LLC have failed to comply with my numerous prior validation request sent to them, in direct violation of Title 15 U.S.C 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 11/19/2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (CT).
Issue: Problems when you are unable to pay

Complaint: Paypal Credit will not cooperate in regard to payment arrangements/settlement.. 
The payment plans offered prior did not include a settlement as I have stated before, me not accepting them is irrelevant at this point as their reps have lied saying they were not available when calling in or that there is or was a cease and desist on the account when there never was. Collection reps like to lie so they can go home and not take the call if it is before closing time of XXXX. Another rep breathed into the phone, then abruptly hung up right before close time, XXXX. Most if not all points made by Paypal rep are irrelevant/moot as you can see, this also pertains to my current mailing address which they do not need as they will not cooperate in accepting my final offer. There is absolutely no point in providing them my current address as they will not and have not cooperated up to this point. Lastly, the call they made to me attempting to discuss payment arrangements is also a moot point as again, they will not accept settlement with a payment of XXXX a month. If they wont accept it now then more than likely, they would not have accepted at time of call so the mere mention of the call is pointless. They have denied my fraud claim but offer a settlement of XXXX but wont accept XXXX a month, I think this shows their unwillingness to cooperate. It appears they have referred account to some collection agency yet again, I do not have the name of as of yet. Whichever one it is, they will be notified of the fraud on the account as well as my numerous attempts at resolution with no cooperation on end of Paypal. A prior collection agency referred the account back to Paypal, I imagine this XXXX will do the same with all information considered, once provided.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX is on my credit report as the collector for MBNA. I, at one time, had an MBNA credit card. I did a balance transfer in XXXX of my MBNA account balance to my Bank of America Credit Card to take advantage of a lower interest rate promotion. The MBNA credit card was closed with this transaction. I closed my Bank of America credit card account in XXXX after I started to experience financial difficulties, but continued to pay the debt to B of A until I could no longer do so. I stopped paying Bank of America in XXXX or XXXX. Bank of America this past XXXX did a charge-back and sent me a XXXX Statement of Income that I had to file on my XXXX XXXX XXXX XXXX XXXX and claim over {$14000.00} of bad debt ordinary income. This was added to my retirement benefit payments income and left me with a tax bill that I have no choice but to pay in monthly installments. When I pulled my credit reports in XXXX and saw the XXXX , XXXX collection for MBNA I saw the error. Record of my MBNA balance transfer must have been made available in the post-merger Bank of America files, sometime after XXXX merger of the banks. I do n't owe any money to MBNA. Bank of America paid them off in XXXX ( or maybe XXXX ), over 10 years ago. I have had no dealings with MBNA for over a decade. I 'm paying whatever portion of the Bank of America credit card balance used to hype my XXXX personal income, if any remains from the XXXX balance transfer and close of the MBNA credit card account, in monthly installments to IRS. At best this collection account is too old and MBNA stated mistakenly as the original creditor, so it would appear to be a separate debt from the Bank of America credit card charge-back. XXXX , XXXX on behalf of MBNA appears to be using old, settled debt to pressure me into paying them money not owed 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 05/29/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NC).
Issue: APR or interest rate

Complaint: I had XXXX credit cards with Capital One at an introductory rate of 12.99 %. I have had them for several years but I recently paid them off and kept receiving bills for interest charges at a rate of 25.93 %. They would not reduce my rate below 20 % and said they could not lower it below the introductory rate. When they checked the introductory rate they told me it was 22 % which can not be true as I do n't use credit cards that often and certainly am not going to pay that kind of interest. I believe Capital One is being unfair in their interest rate practices. I paid these cards in a timely manner and always paid more than the minimum due? Changing interest rates at random should not be allowed. They do n't put a note on your bill telling you your interest rate has changed. They just change it. With the prime rate being low these credit card companies should not be allowed to charge this kind of interest. I have paid and cancelled these cards. They will no longer be able to rake me over the coals with their high interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: Equifax is reporting a public record on my credit file. I have disputed this item and they have verified the item. 

I request a detailed Method of Verification be provided within 15 days of receipt of this letter for the aforementioned account complete with the following information : Name Business address Telephone number of the person or business contacted during the investigation. 

If a detailed Method of verification can not be provided please delete this entry as requested. If your credit reporting agency refuses this request, I intend to sue for willful non-compliance under FCRA 616. In addition these accounts are negatively affecting my credit rating. I know your bureau is one that prides itself on accurate and fair credit reporting and would never maliciously maintain false, unverifiable records. Please correct this information and update my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 10-01-2015 about Consumer Loan (Vehicle loan) with CONSUMER PORTFOLIO SERVICES, INC. (LA).
Issue: Problems when you are unable to pay

Complaint: I purchased a car loan from this Company in XXXX 2015. I advised the car salesman when asked for my employment number that I can not receive personal calls from work. I was advised my work number was needed to verify employment. My employment was verified before I was able to purchase the car. Ever since I purchased the car, they have been harassing my supervisor and Human Resources Department for late payments. My supervisor advised them on recording at work that I was not able to receive personal calls as they were tying up a consumer line. A representative at Consumer Portfolio Services said they would delete the work number and not call anymore. A day later, the calls begin again. I am trying this as a first attempt to stop the calls. I was advised that if this did n't work, they will be reported to the Attorney General 's office as all calls are documented and recorded at my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Payday loan, title loan, or personal loan (Installment loan) with Alliance Data Card Services (CA).
Issue: Charged fees or interest you didn't expect

Complaint: borrowed {$7000.00} with paypal credit acct # XXXX. It was a no interest 6 month loan. I sent full payment XX/XX/XXXX. There were XXXX checks enclosed in the payment envelope. I called paypal credit before the due date and told them I was mailing checks as payment. They told me it takes over 30 days to process physical checks. I told them that they were mailed. Mid XX/XX/XXXX received a statement that showed over XXXX of added interest. I called and I reviewed the account and the received payments. They were {$90.00} short on the {$7000.00} payments which was one of the checks enclosed. I faxed them copies of all the checks and they said they would correct it. The {$90.00} check was never cashed, they just lost it. XX/XX/XXXX they are now telling me they ca n't reverse the added interest of over {$900.00}. They are claiming that I paid late XX/XX/XXXX. We had another account under my wife 's name that was mailed on same day with 4 checks for payment and that account was processed properly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/14/2017 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I keep getting harassed by Navient about student loans from XXXX XXXX XXXX who did some shady buisness to begin with cause their education sucked and I was never able to get a job because of them if it keeps I will sue XXXX XXXX XXXX and Navient for everything they are worth because they have already tried to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: computer base system pre approve me for a credit limit then decline my application

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 08-05-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (VA).
Issue: Account opening, closing, or management

Complaint: i got a promo code of XXXX Citi points alongwith opening Citi Gold checking account. There were additional requirements that i had fulfilled and the XXXX points were supposed to be posted after 90 days of account opening/meeting requirements. The points never posted. I got in touch with the Citigold representative multiple times, had XXXX separate long phone calls on all of which they acknowledged that i had met the requirements and the points would post in next few days. each time i waited and nothing happened. Then upon further inquiry i was told that Citi has done their internal investigation and found that I was n't targeted for the promotion so I was n't eligible. i have proof/screenshots of the promotion offer that i saw onscreen after i opened the Citigold account. So i told Citi that offer me a chance to prove that I got a confirmation of this promotional offer after I opened the account. I was never offered a chance to provide proof. They just plainly denied and repeated their findings that I was n't targeted. I feel cheated and foolish that I was taken for a ride. I read online that a CFPB complain may help to resolve the issue. For the time being i have dowgraded my checking account at Citi so I do n't have to keep on paying a fee of XXXX $ /Month and also being cheated off the XXXX offer. Please help and advise. I am attaching the word doc of screenshots that shows the offer of XXXX points with opening up Citigold account and it shows my name/account number after opening.

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 03-09-2018 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: My concern is the investigation process is done electronically and no one actually physically verifies any information. The agencies even admit that this happens routinely on a everyday occurrence. My information has not been properly verified by means of physical verification as it states in FCRA section 601. This request has been made many times on line as well as the letters forthcoming to you. It seems that they don't even read the letters, they just automatically open up a dispute and reinvestigate. My last letter even states NOTE : This is not a request to reinvestigate these accounts. but as usual, that's exactly what happened.

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 03/19/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Midstate Collection Solutions, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I registered, couple years ago, to take some classes at XXXX College in XXXX ( Illinois ) and I should mysellf pay my tuitions of $ XXXX.Unfortunately, I did not take those classes. 

Later, I received a bill from the college and went to dispute with the college direction. I was told that I have to pay it accordingly to their policy. I asked to see the policy there was nothing backing their reason. 
On XX/XX/2016, a mail came from a collection agency in XXXX about this matter and wrote a dispute letter in between 30 days. I did ask again the policy backing the reason I have to pay the tuition for those classes. 
About 40 days after my letter disputing the debt, I received a mail from the agency said that they are still investing on it and they 'll be soon in touch with me. 
As of today, I have n't received the results of their investigations, the agency has already sent the report to XXXX and to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Billing statement

Complaint: I opened an account with Care Credit to manage high medical bills like dental procedures, etc. My understanding was that if I paid in full each separate charge within 12 months, I would not be charged any interest. I 've been paying $ XXXX/month and thought that the entire balance was close to being paid in full. I was in shock when I saw that {$650.00} in interest had been added to my balance. Some research indicated that CFBP has ordered a {$34.00} million refund to Care Credit Card holders just for this reason, deceptive enrollment. The bank was GE then. It is now Synchrony Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2017 about Credit card or prepaid card (Store credit card) with BARCLAYS BANK DELAWARE (FL).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I 've been calling every few months to get a timetable of when the cutoff is before I get charged all the back due interest on my BARCLAYS XXXX  CREDIT CARD. They push you to go paperless and auto pay so you do n't see your bill, and then they do n't inform you that you 're about to be charged all the back due interest. I missed the day by 4 days from just randomly calling them and they charged me almost 300 in back due interest. It 's a scam to do everything to get people to not look at their bill and then not inform them that the interest date is coming up.

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

Complaint: I found out today on XXXX XXXX, 2017 via the Equifax website that my information such as my SSN, my address, my D.O.B., Etc was stolen by hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Nelnet has been reporting negatively on my credit report to XXXX, XXXX, and XXXX. I have gotten my lawyers involved in the matter after I was told by nelnet that I needed a subpoena to get them to resolve the required documents but was advised by the attorneys this is not true. 

They have failed and refused to show documentation for me being late and i request the inaccurate negative late payments be deleted off my report backed by FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2015 about Debt collection (Medical) with Darnel Quick Recovery, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I mailed the company a formal letter of dispute on XXXX/XXXX/2015 and requested verification of debt. I called today to advised them it 's been past 30 days and I still have not gotten any documents. I was told by XXXX XXXX that my dispute letter was received and she said she mailed the documents to an old address I then asked why was it not mailed to the address listed on the envelope and the dispute letter and she had no reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Application, originator, mortgage broker

Complaint: For nearly two months I have been trying to get final approval and a closing date from Citimortgage, a division of Citibank ( Citi ), for a {$60000.00}, 15-year fixed refinance. It has been most frustrating and costly. I was given initial approval on XXXX/XXXX/2015. Initially the bank moved very quickly. Within a week, we had an appraisal for {$310000.00}, which was approved on XXXX/XXXX/2015. 

Then XXXX XXXX, the loan processor, stated that the money I was using to pay down my original mortgage with my current bank had to be liquid. I had it in brokerage accounts, an IRA, and a brokerage savings account. I wanted to move all the money into my brokerage savings account, but XXXX XXXX said that was n't good enough. The money had to be deposited into my current bank 's checking account, which I did immediately. 

The money was deposited in early XXXX. From that point on, things ground nearly to a stop. Since the money was deposited in XXXX, it did not show up on my bank 's XXXX statement. I had to get a partial statement from my branch, which Citi would not accept. I had to fax copies of my withdrawals from my brokerage accounts, etc. 

I kept emailing and calling Citi trying to get confirmation and a closing date. But they never responded directly to my questions. When I asked if they needed anything else, it would be several days before they would get back to me. 

To make a long frustrating story short, I have had nearly {$65000.00} withdrawn from brokerage accounts and sitting in a XXXX checking account without any interest at all. I have lost perhaps {$1000.00} - {$2000.00} in possible stock market gains and dividends over the nearly two month my money has been tied up. Also, the refinance rates have increased XXXX to XXXX points above my locked-in rate, which expires in about a week XXXX/XXXX/2015. If Citi takes longer than that date to set up my closing, it will cost me thousands over 15 years. 

I have attached copies of emails between Citi and myself from the beginning to the loan process XXXX/XXXX/2015 to the present. You will notice that from about XXXX XXXX to the present, I was actually " begging '' them for information and status updates. This is absolutely unfair. Citi does not follow a " good faith '' process. What they mean by " good faith '' is I, the borrower must be in good faith but Citibank, the lender does n't. 

If I go to another mortgage company, I will lose additional points on my credit score and will have to pay a higher interest rate. 

Please do whatever you can to make Citimortgage honor my locked-in rate and bring this refinance to a swift close.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-11-2016 about Debt collection (Medical) with Simon’s Agency, Inc (NY).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$30.00}. I want all this medicals bills to be removed and a zero balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation