milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2018 about Payday loan, title loan, or personal loan (Installment loan) with COMMUNITY CHOICE FINANCIAL, INC. (DE).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have previously filed a complaint/request with the the CFPB ( complaint # XXXX ) and in a previous instance, a written request with the COMMUNITY CHOICE FINANCIAL, INC. ( CCF ) to have all application data and any records provided to me in reference to an account that was fraudulently opened in my name by an unknown actor.

After CCF ignored my written request for these documents, I filed a complaint with the CFPB. Albeit very timely, the response submitted back to CFPB did not address the request. Their response was simply to restate what has happened and not address the request.

This submission serves as my third request to receive the application and account information associated with an account CCF opened fraudulently in my name. I have provided all necessary documents and appropriate filings adhering to the Fair Credit Reporting Act ( FCRA ) for identity theft victims. As of the date of this filing, CCF continues to shirk their responsibility to comply with Section 609 ( e ) of the FCRA. 

My request is simple, provide any and all application information, logs, account maintenance, physical addresses, email addresses, cellular or landline phone numbers, authorized users, co-applicants, checking/routing account numbers, etc. that were associated with this account.

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 04-06-2016 about Credit card () with CITIBANK, N.A. (MN).
Issue: Late fee

Complaint: We used a Home Depot credit card with a 6 month no interest. We were leaving for XXXX for two month during the winter and paid the card off. When we returned to XXXX we checked our mail and we had a late fee from Home Depot ( Citi ) on a zero balance which in turn had another late fee on the first late fee. So when I called the XXXX number and enter my information the automated system tells me " this is an attempt to collect debt '' ... first of all I 'm the one that called!! ..This would have been a lot easier if they would have called a month ago. I told them that I had paid the card off and was out of town not expecting any problems. We paid the card off on a Sunday which the payment went through on a Monday. They told me when I paid it off, the payment should have been made on the Saturday but the payment would have still been made on the Monday. They made me pay a {$27.00} late fee saying that they took XXXX off but how can I get a late fee from something that has a ZERO balance? What they are doing is charging people and then keep charging them without even contacting them so they can keep making more money! ..I paid the money and closed the account in which they did n't care. They tell me ok we 'll send you an e-mail with the closing information ... wait..what? They can e-mail without even asking for my e-mail because they already have it on file but they ca n't e-mail me XXXX tell me I 'm incurring late fees?? These people are crooks and the Home Depot has lost all my business because of them!! Funny thing is, is you ca n't talk to Home Depot 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 monetary relief
Consumer complaint received 04-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I was attempting to purchase a new vehicle and was denied due to XXXX XXXX reporting that I have been 6 months past due on my payments. When in fact I have been making the monthly payment PRIOR to the due date since XX/XX/2017.

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 02/23/2018 about Debt collection (I do not know) with Convergent Resources, Inc. (ME).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I received letter from a collection company, Convergent, saying that I owed {$5800.00} to XXXX   XXXX. I have never had dealings with this company nor do I owe any debt to them or anyone that I am even late on.

The letter says they will " settle '' for {$1400.00}.

I do not owe this company.

I want them to stop sending me letters and to stop phoning 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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, 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: I sent, b y USPS cer tified mail, a dispute and request for validation of negative information reporting against my SSN to Transunion on  XXXX / XXXX / 17  and  XXXX  on  XXXX / XXXX / 17 . The request clearly stated that a generic response that the information was verified would not be acceptable. I asked that they provide me with the documents they have in their files to verify the validity of the information they are reporting. I have the right to demand this information under the Fair Credit Reporting Act , 15 U.S.C. 1681g. I also demanded that under the FCRA 15 U.S.C. 1681i, all unverified accounts to be promptly deleted. My request was ignored and Transunion and  XXXX  responded to my request saying the accounts in question were " verified '' without providing me any proof of verification or copies of documents to support their claim. Transunion and  XXXX  are in direct violation of the Fair Credit Reporting Act. The Credit Reporting  Agencies have an obligation to uphold these standards and be in compliance with all applicable laws and regulations and they have failed me as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Debt collection (Payday loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (SC).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: One main XXXX, sc calls 3 to 4 times a day

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Student loan (Non-federal student loan) with NELNET, INC. (MN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been paying my student loan and after few years dealing with Firstmark company I am not able to meet the payments amount anymore due to financial hardship. I have used all my forbearance and they have not been able to provide me with any flexible payment options.

My credit score has already been damage and I received calls constantly from them warning abut sending my account to collection. Each single call I received I have tried to arrange manageable payments option but I have not obtained any positive outcomes. I am always dealing with very rude people always threating me

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been try to get mortgage loan assistance for a number of months from Bank of America. They repeatedly ask for information that had been previously provided. Bank of America apparently is stalling to the point where they wo n't have to take any actions. Note that information has been forwarded to them via phone, fax and XXXX XXXX. 

My loan number is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (ND).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: XXXX will not remove freeze. I have requested and send proof of id over and over for years now. When is freeze going to be removed. Fail to provide free annual 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 10-11-2017 about Debt collection (Medical debt) with First Federal Credit Control (OH).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: On XX/XX/XXXX I received an email that a new negative account had been added to my credit report. I logged in to check the account and found that an account from XX/XX/XXXX had been added from XXXX XXXX XXXX XXXX. I paid the bill directly to the XXXX XXXX on XX/XX/XXXX, so I attempted to call the collection agency to clear this up. I was transferred to a woman named XXXX, who proceeded to tell me that the account was mine and that I must have " received multiple bills '' -- yes, I did and I paid all of them. She then proceeded to tell me that she has a " very old account from XX/XX/XXXX '' and that they were contacting a lawyer about the account. XXXX never even verified my identity on this call. She also stated several times that my credit would be damaged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (VA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On  XXXX / XXXX /  XXXX   I requested to wire money from my  Citi checking account to my   XXXX   XXXX   account. On    XXXX  I received a message to call  Citi to confirm the wire. Citi refused to wire out the mo ney, even though beneficiary is myself. They do not want me to get my money.

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 03-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/XXXX, I opened a dispute with Citibank over a {$1000.00} charge by a merchant. The merchant did not provide the services paid for. I sent Citibank all the necessary evidence showing what was agreed on and paid for, and proof that such services were not received. Citibank marked the dispute resolved in merchant 's favor on XX/XX/XXXX, one day after they received the merchant 's response without proof of rebuttal, stating that the reason was a lack of credit slip showing that merchant agreed to credit me back. However I opened the dispute in the first place exactly because the merchant refused to communicate regarding a refund, which is a prerequisite for XXXX customer disputes. I called Citibank dispute department multiple times and multiple representatives there have told me various different things. For example, on XX/XX/XXXX, I was told that a referral had been submitted to the investigation team to consider re-opening the case and that'd I'd get a response within 5 - 7 days. On XX/XX/XXXX, with no response, I spoke to another representative who re-submitted the request and guaranteed a response within 24 - 48 hours. On XX/XX/XXXX, still with no response, I called again and they told me I'd get a response within 7 - 10 business days. On XX/XX/XXXX, still with no response, I called once again and representatives XXXX and XXXX both told me that they put in a request for manager callback for me and a dispute department manager would call me back within 24 hours. 24 hours later on XX/XX/XXXX, XXXX no response, I called Citi dispute back again and finally got a manager, XXXX, on the phone. Surprisingly she told me that the dispute case is still open ( contrary to what everyone else has said previously and what shows up on my Citi online account ), and that I have until XX/XX/XXXX to provide the credit slip or any additional evidence. She acknowledged that services paid for were not rendered, but reiterated that a credit slip was necessary for Citibank to continue the investigation. 

Citibank 's frequent delays and inability to actually investigate the case and issue a chargeback on the merchant while they all necessary evidence are unacceptable. Closing / stopping the dispute because of lack of credit slip is in itself contradictory to the purpose of credit card disputes. This is against Mastercard International Rule for " Goods or Services Not Provided '' under code 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 non-monetary relief
Consumer complaint received 12/29/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (TX).
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint: On XXXX XXXX, XXXX 900.00 was put into my account for bill pay. I monitored the acct. to see when funds were taken from the account for each bill. The transactions were called pending however the available balance reflected they had been debited from the acct. To be sure that I understood the term pending I called the XXXX number for Wells Fargo and spoke with a rep. XXXX XXXX XXXX had 2 separate payments XXXX and XXXX. The rep informed me the amt. XXXX had NOT been debited. With this being the weekend before XXXX I withdrew 40.00 and replaced it before it would be debited. When I noticed the amount of my balance was still not enough I called them again. I failed to include the fees. The rep informed me I was XXXX short. I returned to the atm and deposited 1.00. On XXXX XXXX I checked my account and the XXXX amount from XXXX XXXX XXXX appeared as a debit. This left me with approximately 65.00 to my advantage. I discovered this around XXXX. I questioned the transaction however my acct. showed the XXXX paid. Due to my concern I planned to go to my branch when they opened. Before they opened I checked my account and it was negative 135??. I was upset and confused. My available reflected funds where being deducted since first bill payment. I have alerts set to inform me of activity on my account. I get those notices daily according to the activity. When I went into the branch. They printed their info and to my surprise no funds had been deducted toward my bills only merchant and atm activity up until XXXX XXXX. The information I had access to was not the same as what they presented. I asked them if they were not deducted then why did my balance reflect they were. It was difficult to determine which amt had actuall been taken from the acct with XXXX XXXX XXXX. I felt I was deceived and this practice was unfair. Where did those funds go? The majority of the bills were paid however I accrued a NSF of 35.00 and a non payment on one of them due to misinformation on Wells Fargo. My acct is presently over drawn by 165.?? and I dont have the funds to cover them. It was one transaction made for gas and food on the XXXX XXXX around XXXX as well due to the available balance my account reflected. When the branch opened for me to verify or replace the amt used the 124.00 was not there and the debits made was not toward trans. done on the dates they were made. It is suspicious that my account no longer reflect the daily credits being made it shows all done on 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 monetary relief
Consumer complaint received 04/20/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I demanded the following account be removed from my credit report : XXXX/XXXX XXXX XXXX account # 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 non-monetary relief
Consumer complaint received 09/19/2017 about Payday loan, title loan, or personal loan (Installment loan) with Risecredit, LLC (CA).
Issue: Problem when making payments

Complaint: I am a senior citizen and I took out two loans with Rise Credit. The first one I paid off then a few months later I took out another loan. With the most recent loan the contract stipulated that my payments were due every XXXX of every month. During the course of my loan, I missed the XX/XX/XXXXdate and the XX/XX/XXXX due date, this was considered 30 days late. My financial hardship continued and I sought to avoid a 60 day past due status, therefore I was able to gather {$410.00} on XX/XX/XXXX the day my account was due. I knew that a consumer becomes delinquent after missing a single monthly payment. However, delinquency is not generally reported to the major credit bureaus until two consecutive payments have been missed and furthermore reporting to the credit bureaus occurs every due date/billing cycle and characterized as 30-60-90-120 in conjunction with due dates and not the literal days in a calendar. 

That is why I was surprised that when I called to make the {$410.00} on XX/XX/XXXX, the day my payment was due, Rise had already charged-off my account. My delinquency began when I missed the XX/XX/XXXX payment and even I paid on XX/XX/XXXX my account was charged off. Billing cycles by all financial standards as far as credit bureau reporting are concerned are concerned with due dates and a 30-60-90 threshold. 

Upon speaking to Rise to address my concern they stated that their policy is to charge off accounts once they become 60 calendar days past due. I have never in my life knew of a non payday loan, financial institution that allows its installment loans to charge off accounts once it reaches 60 days past due. It seems that Rise has devised a financial model to charge-off accounts prematurely to maximize profits with high interest rates in conjunction with high payments then shortly thereafter selling charged off accounts to collection agencies. 

The contract that I signed does not state anything about their charge-off policy in light of the fact that it is reasonable and overwhelmingly normative in the financial industry to charge off accounts once the reach 120 days past due. Rise deceptively choses to charge off accounts once they reach 60 calendar days, and as a result harms consumers credit who are most vulnerable and attempting to rebuild their credit as I am. I managed to pay {$410.00} on XX/XX/XXXX, all for nothing, all I gained from doing business with Rise is stress. Rise policy is not right, it is abusive, and I am sure other unsophisticated consumers are being harmed due to their intentional crafted financial model that might very well be violating financial statutes. If Rise is allowed to charge off accounts after 60 days past due, why not 30 days past due, what stops others from adopting such policy?

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Struggling to pay mortgage

Complaint: I 'm having trouble making my payments for the fact that I 'm the only working to provide for my family because my wife lost her job. I applied for a loan modification as soon as I started struggling with my payments because of our loss of income. In less than  3 weeks  I was denied because according to  Ocwen Loan Servicing I  was not behind enough in order for them to help me lower my payment so I avoid foreclosure. I really believe that this is absurd and unfair that they tell me this and that is the reason why they ca n't provide me help. What they are saying is that I have fall way more behind on my payments so that they even give me a chance to save my home. This is why I 'm reaching out that to notify they are wrongfully reviewing my situation and not giving me and my family to try to find some type of solution to help me out. They told me about a repayment plan but that was only going to bring my payment higher no help at all since I was already struggling with my payment before. Please help I really need to save my home for the sake of my family. Thank You.

Company response to consumer: Closed with explanation