milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-10-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: All XXXX credit reporting companies simply used the bogus information sent from the reporting companies as verification despite different social security numbers, addresses, and date of births. The " investigation '' process requires little to almost no proof that the actual person affected is the actual owner of the items in question. Simply providing the credit reporting agency a name and maybe an application should not be enough to continue reporting the information. Additionally, once police reports and affidavits are submitted to refute those claims, the credit reporting agencies still refuses to remove items that are not yours. Example : I am a teacher who makes {$38000.00} per year. Yet there are XXXX vehicles that were financed under my name within a 3 month period in the year 2014. XXXX were brand new cars and XXXX used. That should have thrown up red flags. Also there were over XXXX addresses and XXXX variations of my social security number used. The credit reporting agencies seem clueless as to the identity theft crimes that are sweeping this country.

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 06-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Robinson, Reagan and Young PLLC (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I lost my job after ten years in XXXX the business suddenly closed without warning. I had XXXX houses, XXXX new cars and XXXX kids and was a single parent. I paid my bills on time always up until about two years after I lost my job. I used all savings and retirement. It was the years when the mortgage and housing bottomed out. I had a loan with XXXX. I begged XXXX then XXXX XXXX XXXX to help me. They gave me the run around. So in XXXX I finally had to file ch XXXX. 
My payments were {$4500.00} a month to the trustee for five years. I only owed basically for my house and a second mortgage. 
I successfully completed the ch XXXX a couple of months ago and the XXXX collections accounts were added and removed over and over to my credit report. The collection agency was told and sent the ch XXXX paperwork they were included in and they continued to harass me. 
I filed disputes with all credit bureaus. The collections would be removed only to return over and over. 
The collection agency did n't even have my information on XXXX she said my name but had incorrect address, no social, no birthday nothing. I kept telling collections that it was n't even my bill. She called me a liar and said I was trying to get out of paying. Which it was already included in my bankruptcy. So that was a mute point at that time. 
After I disputed they removed all XXXX collections only to show back up over and over. My score was almost XXXX they added the collections back and it dropped to XXXX. 
I really do n't understand how a collection agency can do this over and over. I 'm trying to refinance my house and this has affected my score so much I ca n't apply now. 

The agency is rude, they say just about anything to scare you to death and harass me with saying I better pay. 
Please help me. I XXXX after I lost my job which I work 7 days a week but am doing well. This is not fair I worked so hard to pay such a high bankruptcy payment plus about {$4000.00} more in other bills. I do n't know how I did it for five years but paid almost {$9000.00} in bills plus food, gas and other things. I 'm very proud I accomplished this but want to be treated fair and given a fair chance. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2015 about Debt collection (Auto) with Westlake Services, LLC (VA).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: They have repossessed our car and auctioned it off. We get many calls a day. They were sent a notice and still keep calling. Each time we talk they say they will keep calling till we pay. I am XXXX and on XXXX. We do not have enough to pay our regular bills.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX XXXX XXXX is the mortgage company that holds the deed on my property at XXXX XXXX XXXX, XXXX NY. According to credit reporting agencies XXXX foreclosed on this property back on XXXX XXXX 2013, however XXXX is still passing information to the Credit Agencies as late payments or foreclosed, causing my credit scores to drop considerably. XXXX is also reporting to the credit agencies that foreclosure just started recently, when in fact the foreclosure was completed on XXXX 2013 according to information I received from a Veterans Mortgage ( XXXX XXXX ) company that is working with me to obtain a VA Home Loan.

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 08-01-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CO).
Issue: Managing the loan or lease

Complaint: what is the difference between a yearly interest rate and simple interest where in my contract does it state clearly i pay XXXX simple interest and am i paying that or 19 %? which am i paying daily XXXX or 19 %

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Mortgage (Home equity loan or line of credit) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I wrote a while back to let you know that I have been working with Bank of America and XXXX XXXX XXXX to modify the terms of my home equity lines of credit and to no avail. 
We have spent the last 12 months submitting requested items to Bank Of America only to receive another declination in the mail this week. They are playing games and we have been paying the newly adjusted payment since XX/XX/XXXX that has quadrupled and is an extreme hardship. When the XXXX heloc adjusts XX/XX/XXXX we will no longer be able to live in this home we built and maintained for the past 19 years. Only with these XXXX loans extending the interest only portions for another 10 years will we be able to stay in this home. We are XXXX and I am forced to continue working due to the housing demise of XX/XX/XXXX that wiped out our XXXX with my total loss of income and my husband 's forced retirement who was on XXXX since XX/XX/XXXX now receiving half pension from XXXX where he was injured on the job in XX/XX/XXXX. 
We need help with these XXXX loans and requesting your intervention to make this happen. 
I wrote six months

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 07/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MO).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: In XXXX of this year ( XXXX ) I was solicited via email to open up an XXXX XXXX XXXX XXXX card. I had one years ago and cancelled it several years ago. I called American Express and asked if I would still be eligible to receive the points ( XXXX ) and was assured that I would. I opened up the account, spent well over the needed amount to qualify and waited for my bills, and points to be awarded. After the second statement, I called and asked about my bonus points ( XX/XX/XXXX, I believe ). I talked to XXXX tiers of people ( representative, supervisor, manager ) and was told that I did n't qualify because I previously had this card ( opened it up back in XX/XX/XXXX ). But they would consider it and to call back in two or three weeks. I think they knew at that time that I would n't qualify and they were just putting me off. I called today ( XXXX XXXX, 2017 ), was on the phone well over 30 minutes, talked to three levels of representatives again and was told sorry, no deal. I think this is a classic bait-and-switch, XXXX XXXX-gate, or out and out fraud, whatever you want to call it. We can refer to it as American Express-gate. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: on XXXX XXXX XXXX Account. 
I co-signed for my spouse on XX/XX/XXXX who filed bankruptcy around XXXX, XXXX. This account was never a joint account. I was asked to co-sign for him. After he unfortunately filed for bankruptcy, the bank stated reporting this debt on my credit. They also include previous debt before the bankruptcy filing on my report presenting stating the account as a joint account. I was never aware that the account was opened as a joint account. I was only asked to co-sign for him to help him get the loan. 
Therefore, I want the report placed on my report that I am delinquent in payment from XX/XX/XXXX to XX/XX/XXXX, and from XXXX to XXXX, XXXX removed on my credit report. I was made aware of this problem after one of my credit card company specifically stated where the delinquent payment report was coming from. 
I do not believe that delinquent payments reports before and after the filing should be placed on my report for something I was not in control of and nobody try to contact me about the situation. 
I have already called the bank to may payments and schedule future payments but the account was never a joint account and I did not default in payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2017 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Failure to provide physical proof of verification I share the exact same name as my aunt. That account number for XXXX # XXXX does not belong to me and I asked several times that it be removed from my credit report. Experian has failed to comply with the law. I have send several letters and under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Account opening, closing, or management

Complaint: I opened citigold account XX/XX/2016 with a promotion code which said will provide XXXX TYP points once I make two consecutive monthly bill payment. After I applied the account online, I called to their service center and the agent confirm the offer. After I reach the requirement, I online chat with citi agent, and they confirm I met the requirement, and will receive the points after 3 month from the day I opened the account. When the time came, I did n't receive anything, and I did the online chat again, the agent once again confirm that I will receive the points, and asked me to wait. After another month, I called to the service center, the agent helped me to submit a points request, after 10 days I recieved a mail claimed I 'm not target to the promotion, so I wo n't be able to receive the points. I called another two times, they all end up with a mail with the same not target answer.The third time they ask me to fax the online chat history as the proof that their agent promise me for the points ( they should be able to achieve all those information, since they recorde all the phone call and chat record ), I did saved the chat history, and I fax them the whole chat, but at the end I still on receive the same mail with the same answer. I 'm so fraustrated and end up close the account. But recently, I saw many people got the same situation and be awarded the promised promotion bonus. It 's so unfair.

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 01/20/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (WV).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I took out private loans through sallie for my XXXX degree. Upon graduating, I was told my monthly loan payment would be over {$1100.00} & that there was no other option for me to repay unless I went by their repayment plan. That amount is not even a logical amount. The only other option they gave me was to go back to school & defer my loans, allowing them to collect even more astronomical interest. This lead me to have to consolidate my loans through another company just to get a lower payment because there 's no way I could afford to pay them over {$1100.00} a month with interest rates about 13 %. This company does not work with you or help you to repay loans at all. It 's impossible to get out of debt with them. Not to mention, having loans out through this coming any has destroyed my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I sent disputes already but no contact or changes have been made. 
You are recording a collection account that was originally a medical bill paid by aNo-fault insurance company. This was paid and should never have been a reportable accountThe creditor advised me that they changed the account as true to false in 2014 and made several requests to have the file deleted from my report. 
Please see the attachment supporting my statement

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was injured in a fall at home on XXXX/XXXX/2015. I went to XXXX XXXX Hospital in XXXX XXXX XXXX and was treated in the XXXX. About a week later my wife and I traveled to XXXX where we spend XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Apparently during this time period XXXX XXXX XXXX XXXX sent a bill to our home address asking us to pay {$57.00}. We never received this bill/statement eve though our mail was forwarded to our XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX/XXXX/2015 we received a phone call from TRANSWORLD SYSTEMS INC. advising that they were a debt collection agency and we needed to pay this bill. They were given valid credit card information to pay the entire {$57.00} and we were provided authorization number XXXX from TRANSWORLD SYSTEMS INC and promised a letter to follow saying the matter had been handled. On XXXX/XXXX/2015 AT XXXX we received a call from a male voice saying he was with TRANSWORLD and that this bill for {$57.00} needed to be paid as they were a collection agency. When I asked the caller for more information, he became upset and said he 'd mail us the demand and then he hung up. I called back to TRANSWORLD three times immediately. Each time after identifying myself and providing the account number we had been provided I was abruptly disconnected by the TRANSWORLD employee. On the fourth call to TRANSWORLD a female identifying herself as XXXX XXXX listened to the information we had, i.e. the bill had been paid by credit card 11 days previous, we had not received the confirmation letter via mail, and I provided the authorization number received from TRANSWORLD. XXXX XXXX said that their system did not show any payment or credit card information. XXXX did check with her supervisor, XXXX XXXX and eventually came back on the line to say that TRANSWORLD has been having computer problems, and " employee problems '' and requested that we pay the bill again. Again our credit card information was provided and again we were given a second conformation number from TRANSWORLD. I requested that TRANSWORLD send a letter to each credit reporting bureau explaining TRANSWORLD 's error and was advised that a letter would not be necessary as our credit ratings had not been damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WORLD ACCEPTANCE CORPORATION (SC).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I suffer with XXXX I had some hard times XX/XX/XXXX my husband walked out and left me with all the bills with XXXX children I had a loan with people 's finance in XXXX south Carolina I owe {$550.00} charge off XX/XX/XXXX as of this month XX/XX/XXXX they still charging interest now I owe {$880.00}

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2015 about Debt collection (Credit card) with United Collection Bureau, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call my # and if I do n't answer they immediately call my sisters or my brother for which I do n't know how they got their phone numbers. They have never left a voice mail to identify themselves or say what the call is about.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I represent a family in Ohio whose mortgage was a XXXX mortgage, then owned by XXXX XXXX XXXX, and now Green Tree Servicing, LLC, or Ditech Financial, LLC. The mortgage was wrongfully foreclosed to begin with, but despite the Stipulated Entry between CFPB and Green Tree, Green Tree has made no effort to put a hold on the foreclosure proceedings, even though the family 's mortgage falls within the date range of affected mortgages. The family had a loan modification agreement with XXXX XXXX XXXX which they executed right before the mortgage was sold to Green Tree. Also prior to the mortgage being sold to Green Tree, the zone in which the house is located was re-zoned and the property taxes on the house increased significantly. The family entered in to an agreement with the County Treasurer to pay the taxes in ten installments. Despite their agreement with the Treasurer, XXXX XXXX XXXX stepped in without any prompting on the family 's part and paid the entire balance for the property taxes, rather than the smaller payment the family had originally contracted for. The money was added to the family 's escrow account and the monthly mortgage payment, too, increased significantly. Next thing the family knows, their mortgage is sold to Green Tree and their checks are being returned stating that the amount on the check is not enough to make a payment and the late fees started adding up at this point. This all occurred despite the fact that the County Treasurer sent a letter to Green Tree telling them of XXXX XXXX XXXX 's mistaken overpayment of the taxes. Eventually, Green Tree began foreclosure proceedings. This has gone on for the last eight months despite the Stipulated Entry between your agency and Green Tree. Green Tree 's lawyer is actually the person who relayed the Stipulated Entry to me, so it is obvious that they know that this exists. The problem we have right now as the end of the case nears as the trial date gets closer and closer, is enforcement. How can an Ohio Court enforce a Federal consent order? Green Tree knows that it is subject to the terms of the Agreed Entry, but has willfully chosen to proceed, rather than stay the foreclosure in order for my clients to go through an investigation and loss mitigation options, such as a loan modification, which they are currently completing the application for. However, if the mortgage is allowed to be foreclosed upon, it wo n't much matter whether or not they are approved for a loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Student loan (Private student loan) with IOWA STUDENT LOAN LIQUIDITY CORPORATION (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XXXX   XXXX , i have received some documentation from aspire.     however, i have NOT received what i am requesting.     the information is NOT in chronological order.     the information does NOT contain a complete breakdown and explanation of fees charged, etc.     i find it interesting, that you suggest i contact companies that are either ones that aspire acquired and/or are no longer in business.     i have attempted repeatedly, to get assistance from the customer service department about my loan, all to zero avail.     i completely dispute the amount you are reporting or reported that i owe.

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 04/13/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received a credit change alert on my credit file. I called XXXX and the representative informed me of a collection account that was opened in XX/XX/2017. I asked for the name of the collection agency, which was given as XXXX XXXX XXXX. I never did business with this company nor have they contacted me nor sent any mail indicating that I owe any balances. This is FRAUD and XXXX XXXX XXXX needs to remove this fraudulent account from my credit report immediately. My credit report has been clean and all of a sudden a collection account appears fraudulently. I want to ensure that XXXX XXXX XXXX is not reporting falsely/inaccurate to Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: APR or interest rate

Complaint: Capital One promised a low interest rate that was never honored and then increased interest rate over 24 %. I just want this predator deceptive Bank removed from XXXX, XXXX & XXXX or willing to share with Congressman XXXX XXXX and speak in XXXX, and discuss how Big Banks appear to be Untouchable!

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Non-federal student loan) with Express Aviation (TX).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: XXXX closed in XX/XX/2016 and over charged me on my loans. The school no longer exists. XXXX took over and now I have to pay out of my pocket XXXX dollars to complete my course

Company response to consumer: Closed with monetary relief