milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: On XXXX XXXX, XXXX I got a credit alert from my credit monitoring service that there was a change in my credit bureau. I went online and looked at it and saw simply a reference to a collection from a company called National Credit Systems. I had never received a phone call or letter or any other communication from this company. 

I called their offices as soon as it opened, inquired about the debt they were collecting on, and realized it was related to an early termination fee from an apartment I was renting in XXXX! I do n't dispute the amount, but I was never billed for the early termination fee and did n't know it was outstanding. 

So, I informed the agent that I had never received notice from the apartment company or from the collection agency that anyone was trying to collect. I told him I would pay the debt that day, which I did, if he could ensure that it would be expunged from my credit bureau because I 've never gotten any phone calls or letters from anyone. The agent said " absolutely ''. He suggested that they did n't have any contact information for me even though I kept the same mailing address and phone number before, during and after the time I lived in the apartment. Surely the apartment complex had all that information from my initial application. Even so, a simple google search could have easily found me. 

I paid the bill that day and continued to follow up with the company about expunging the collection from my record because they had n't provided any notification or made any effort to notify me about collecting a debt. My bureaus show the credit as paid off, but its still on there as a derogatory, negatively impacting my credit score. 

I have no way to contact the prior apartment management as the complex was sold. And my attempts to resolve this with the collection agency have obviously yielded little result. 

I believe that a collection agency, as a furnisher of information to the credit bureaus, is required to Inform consumers about negative information which is in the process of or has already been placed on a consumer 's credit report within one month. I received no such notification from the time I vacated the apartment ( XXXX XXXX ) until the time I got the alert from my credit monitoring ( XXXX XXXX )!!! 

Thanks for your 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 04-08-2016 about Mortgage (Home equity loan or line of credit) with TD BANK US HOLDING COMPANY (NY).
Issue: Loan modification,collection,foreclosure

Complaint: We took out XXXX home equity loans ( XXXX and XXXX mortgages ) with the same bank, TD Bank approx., eight years ago. ( we have a XXXX mortgage ). At the time, we had no idea the effect it was to have on our lifestyle especially after plunging into finanical hardship in 2011 and beyond. We began to beg them to lower our mortgage interest rates so we could afford the payments which we were starting to pay late and they would not comply. They soon began to ruin our credit and it got worse as we tried to process a remodification on our own twice and once, with a local HUD not for profit. It just kept being rejected. Finally, it got so bad we could not longer pay and stopped making payments for almost a year while looking for an attorney to assist us. They started foreclosure proceedings against us and would not budge no matter how many times we tried for a remodification. We spoke with several attorney 's and even wasted time with a firm in CA who told us they could get them to settle. They ended up almost stealing our money whcih we had to fight to get back. This bank is known to be " difficult '' with this sort of thing as per more than one bankruptcy/mortage attorney that we spoke with over three years. They are not difficult. They are impossible to deal with. According to their " standards '' we do n't meet the debt to income ratio that they establish and according to these standards we can afford these payments. They are going to tell us that we can definetly put food on our table with over {$2700.00} a month in mortgage payments and almost another {$1000.00} per month in regular bills!!! They offered us only a recast which they consider a form of modification. It is only bringing us current. It is not modification and they know it. They get away with calling it one. We owe even more now, our payments increased and they passed legal fee 's on to us too, about {$3000.00} per loan. They call themselves a friendly bank. There is nothing friendly about them. It is exploitation of middle class people who were just trying to do the right thing and consolidate bills that came partly from large emergency home repairs. We are also now facing a loss of income as one earner is very likely being laid off this spring from a long time position. We are going to lose {$30000.00} in income. According to their " standards '' I am sure we are going to be told that we can still 'afford '' this. I was just told this two days ago by one of these representatives who handles these complaints. It 's an insult to our intelligence. We have to face losing our home or being forced to sell if we ca n't get these loans modified? Six years and counting of suffering and misery. If we have a real emergency we care going to lose our house because of these loans. Shame on TD Bank!!

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with SANTANDER BANK, NATIONAL ASSOCIATION (PA).
Issue: Charged fees or interest you didn't expect

Complaint: I had a {$5000.00} line of credit with Santander Bank. I never used it and canceled the credit line long ago. Santander continues to bill me for fees, for interest on the fees, and other charges that I do not owe. I reported this to their fraud department three weeks ago. The fraud department said they would close the line of credit. They never did and I get dunning letters and calls almost every day. I have explained the situation about a dozen times, and each person says they will take care of it, and they never do.

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 06-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On  XX/XX/XXXX , I provided a state tax lien release letter to all  XXXX  credit bureaus  (  XXXX , Transunion and   XXXX   ) that showed th at the amount of {$2400.00} had been paid in full and myself and my husband both were cleared of this debt.. I have sent  two certified letters to each bureau requesting that the information be deleted from my credit repo rt. Only  XXXX  bureau-Transunion has updated it to reflect PAID IN FULL. I am in the process of buying a home and this reporting is causing a hardship on 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 non-monetary relief
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Applied for a new Credit Card with XXXX XXXX ( XXXX XXXX XXXX . ) and they never disclosed a {$59.00} annual fee prior to the card approval. I cancelled the card at the checkout register and never received or used the card.
A letter was sent to me on XX/XX/XXXX Ref # XXXX stating I was approved the a " XXXX XXXX XXXX XXXX XXXX Account '', and that the card would be arriving in several days. The letter also goes on to say I was evaluated for 2 other cards, and I was declined do to " Insufficient Credit Experience '' I am looking to have my good and long credit history and score remain intact, and the lack of the disclosure for the {$59.00} annual fee was material in my canceling ( a lack of disclosure until after account was opened ). The lack of terms disclosure was irresponsible, and effected my credit score negatively, through no fault of my own.
Furthermore, the Equifax credit information is obviously in error when they state I have insufficient credit experience, as indicated in a letter sent by XXXX XXXX  on XX/XX/XXXX Ref # XXXX. I currently have several other credit accounts in very high standing, and have a good credit history that spans decades.
Please feel free to contact me directly by phone at ( XXXX ) XXXX, or by email at XXXX if you have any questions, or need any further information. Thank you for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Mortgage (Other type of mortgage) with DISCOVER BANK (MI).
Issue: Trouble during payment process

Complaint: For about the last 6 to 8 months Discover Bank/Discover XXXX XXXX  has been calling me stating that they own my mortgage ( They DO NOT) and if I do not pay their credit cards the XXXX that they claim that I own them they will take my home!  This is the second complaint I am making about them calling me all the tie with their lies< the did stop for one month!  Also they are still setting up fake accounts using my email one was for a porn site!
They have also taken over $XXXX from my other credit cards!

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MS).
Issue: Problems when you are unable to pay

Complaint: Purchased a   XXXX    XXXX   XXXX . Went through a divorce. I could n't pay thet the amount of  XXXX  a month on  XXXX  income. They repo the vehicle, sold it a a auction ( which they sold it for way less than what we owed. Now, Ally financial recovery asset wants me to pay  XXXX . What a joke.

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 08/28/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have never done any business with XXXX XXXX who has obtained a judgement against me. I have called XXXX XXXX several times regarding this matter and have disputed this matter. I have contacted XXXX and they have removed this from my credit report since there was no transaction done by me with XXXX XXXX. XXXX has removed this from my credit report ; however, XXXX Transunion have not. This information is inaccurate. I want this removed from my credit report since I did not do this transaction and no one can provide me with validation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Ordered items from XXXX XXXX never received the items XXXX XXXX agreed to remove from credit reports was removed from XXXX  and XXXX XXXX but XXXX never removed it from credit report

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 02-03-2016 about Debt collection (Medical) with Capital Accounts, LLC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have requested verification and validation of debt several times and this company refuses to provide to me. I do not know what this debt is and when I contact the company they can not locate my account with my SSN yet still continue to report this on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2016 about Student loan (Non-federal student loan) with KEYCORP (PA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: My private loans will not work with me during my economic hardship. I currently am on government assistance and gross $ XXXX/month. My rent alone is $ XXXX/month. I can not make payments on my student loans with this amount of debt, and they will not help me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Credit card protection / Debt protection

Complaint: I remodeled my house ; purchased most of the materials from XXXX using their " 6 month same-as-cash '' offers. I had numerous balances on these " 6 month @ 0 % '' offers that expired in different months ( or incur deferred interest ). I was paying close attention to my offers and paying off those balances when they expired, and asking for anything over the minimum payment to be applied to my " regular purchase balance '' which is charged 25.24 %! 

Capital One has a disclaimer to get around applying anything above your minimum payment to the next highest interest rate balance - they apply anything over your minimum payment to the currently expiring balance and then to the NEXT expiring promotional balance instead of applying it the next highest balance ; the " regular purchase balance '' earning 25.24 %! 

I have asked them not do this on my account, and they tell me it 's automatic. I tell them that I am directing them to apply my payment to different balances instead ; I get the run-around every time. I have to talk to a supervisor, then I 'm on the phone for HOURS - as they try to confuse me, then eventually offer to wipe the interest fees. They never do correct the balances on the various promotional offers, so the issue never does get fixed. I have to call them back every month and go through the whole thing again. I 've spent HOURS on the phone EVERY MONTH with a different supervisor applying my payments manually. Then they still do n't apply it correctly - the balances are all wrong, when I try to get it straight, they just talk about all the difference balances, tell me the same thing in a different way, attempt to confuse me, etc. They refuse to apply my payment how I ask them to AND how it is required to be applied according to CARD Act of 2009 ; which is minimum pmt, payoff promo balance expiring that month, then apply anything over that amount to the " regular purchase balance '' - the balance with the highest rate. 

It 's a struggle every month to request that my payment over-and-above the minimum payment be applied to the balance with the highest interest rate. 

This clause " If you have Same As Cash Credit Plans, we will automatically apply payments received during the final TWO billing cycles and up to the date of expiration first the required minimum pmt due and next to the plan ( s ) that is expiring, in order of expiration ; at other times, we will treat your Same As Cash Credit Plan as having a 0 % APR for purposes of determining payment application. '' This allows them to pay off a balance that is sitting at 0 % for another month instead of paying off the balance sitting there at 24.25 %.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-12-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Cedars Business Services, LLC (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: We resolved a dispute in XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX 2013. This is a fraudulent attempt to reinstate a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (FL).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: wells Fargo wont conclude that someone else has been withdrawing the same amount of money from my bank account at a gasoline station from an ATM.and its been the same amount every time XXXX dollars always. that is fraud and they concluded it was n't when i dont withdraw from regular atms and they took out XXXX dollars out and leaving me on negative. and now that i got my loan they took it out and wont gibe me it back too many problems its fraud and they wont do anything about it.

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 05/28/2015 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: APR or interest rate

Complaint: We were late, only once, and on no other credit cards or loans, on a Carecredit/Synchrony Bank account over XXXX years ago. This has resulted in a lowering of our credit score and we have on XXXX occasions asked XXXX to remove this detrimental to our credit inasmuch as the mishap happened over that length of time. They refuse. Can you help? 
My name is XXXX XXXX XXXX, and that accuont with Carecredit/Synchrony ended in XXXX. 
We have no other bad credit charges on our reports other than this. Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have a number of issues I 'm trying to get a response from the servicer, Ocwen. I just received a letter from Ocwen which is NOTHING MORE THAN ANOTHER GENERIC letter. This is there way of handling - just keep sending a copy of the modification and after awhile they will give up. NOT THIS PERSON. I will respond to their generic response separately. In the meantime, why are my monthly payments DIFFERENT EVERY MONTH? This was a loan mod with a fixed rate and I understand after the trial payments they need to do some financial adjustments but if I 'm not mistaken, after that the payments should be the same until the adjustment time - 5 years from now. Once again, they are moving the numbers back and forth and until I receive a COMPLETE ACCOUNTING, I will not stop. I work for a XXXX and know they can provide me with the numbers they used in the modification and I requested this. No surprise, I did not get it. Just makes me feel all the more they are hiding numbers.. Please request Ocwen provide me with the numbers I requested in my original letter and have them respond as to why the payment amounts since XX/XX/XXXX have been different EVERY month and I 'm supposed to have a fixed rate. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VT).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: On  X/XX/2017    I calle d Navient inquiring  about a notice that was posted to my account regarding 'no longer earning the 'Smart Reward benefit ' due to not receiving payment on time. However, I have paid the agreed upon amount every month to be qualified for the  'Rate Reduction Program '.   The phone record is as follows :  XXXX / XXXX /   2017  @   XXXX   XXXX   - Call last ed 6 mi nutes and when being transferred the line was dropped on  Navient 's e nd.      X/XX/2017    @  XXXX  - Call lasted  4  minutes, I was transferred by the automated recording to the same women as the  XXXX  call. She proceed to apologize for losing my call and transferred me again. Call was dropped again.      X/XX/2017    @  XXXX  - Call lasted  16 min utes. I was transferred to the  'Collections Depa rtment ' via the automated recording. I read the noticed that I had received on my account regarding the 'Smart Rewar d Benefit ' noting that Navient had not received payment on time. The women was unable to identify what the 'Smart Reward Benefit  ' was and I was placed on hold. When she returned to the phone she informed me that her supervisor was also unable to identify what the 'Smart Rew ard Benefit ' was and the effects it had on my loans. I requested to speak to a department that was able to provide me with further information regarding my loans. I was then informed that Navient was unable to transfer me and all they could do for further information was issue a request and I need to call back in 5-7  business days.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I sent Transunion a copy of a settlement agreement between myself and XXXX where XXXX agreed to remove all XXXX cards from my credit report. Transunion has refused to do so. They are now reporting XXXX as having XXXX missed payment, from an account that 's not supposed to even be reporting. XXXX is also reporting again when both the Consumer Financial Protection bureau and Transunion have a copy of the settlement agreement. These accounts are not mine. XXXX is reporting and this is an account I neither opened or authorized. Finally, there are XXXX fraudulent credit inquiries reporting on my credit that should n't be there. I sent in the required, notarized statement that these are unauthorized inquiries as well as a police report, yet they are still reporting these inquiries. They are as follows : XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/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 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: In correspondence dated   XX/XX/XXXX    , I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.   Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

Company response to consumer: Closed with explanation