milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/14/2018 about Debt collection (Other debt) with CL HOLDINGS LLC (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I previously sent two requests for validation of the debt. Never got an answer from XXXX XXXX. I pointed out to them that that they have illegally reaged the Date Opened to avoid Statute of Limitations. As you can see from XXXX 's reporting of this same {$64.00} debt, they show Date opened as XX/XX/XXXX ( the actual date of last activity was probably in late XX/XX/XXXX so the entire amount is no longer collectible and should be shown on my report as any attempt to collect a debt which is otherwise uncollectible is illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2016 about Debt collection (Auto) with CCS Financial Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX began taking automatic payments on my car insurance policy This policy was opened in XXXX and my policy premium was originally {$1900.00} or around XXXX/ month. However in XXXX XXXX, XXXX XXXX increased my rate to $ XXXX/ month without informing me of the premium increase either by email or post. Since the charge was made directly to my credit card, I did not notice the increased charge until XXXX XXXX at which time I cancelled my policy because I did not want to pay high premiums and obtained coverage from another source. I notified my credit card company and disputed the charges, and a partial refund was obtained for several months of overcharges. however not all of the overcharges were refunded because the credit card agency would only dispute claims from the past 3 months. Since then I have been battling with nationwide who claims that I still owe them a balance on my account and has sent my balance owed to collections and has threatened my credit score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (DE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX/XXXX XXXX XXXX BALANCE {$6400.00} this was a fraud account opened and disputed back XX/XX/2016 this was removed from my credit reports by XXXX as fraud and now it was added back to my credit reports. I disputed the validity of this debt and account on XX/XX/2016 as fraud

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 08/23/2015 about Bank account or service (Checking account) with CITIBANK, N.A. (TX).
Issue: Making/receiving payments, sending money

Complaint: Received attached letter, dated XXXX XXXX 2015, from Citibank. 

XXXX XXXX stated in the XXXX paragraph of her letter, dated XXXX XXXX 2015, that " Because payments to government agencies are commonly made by check ( e.g. for payment of taxes ), we recommend that you schedule your payments with this in mind as Citibank is not responsible for any fees you may incur as a result of late delivery of a check through the postal system. " This statement implies that Citibank can make a check payment to the IRS. 

However, this is INCORRECT. 

I tried to set up the IRS for a check payment using Citibank 's BillPay, but was unable to do so. See Payee Details attachment. 

XXXX XXXX further states in the XXXX paragraph of her letter, dated XXXX XXXX 2015, that Citibank found no record of receiving my letter requesting a copy of the user agreement. I sent this letter using a Citibank postage paid envelope addressed to Citibank Client Services, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Please explain why this letter was never received. 

Thank you very much for your assistance

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (IN).
Issue: Getting a credit card
Sub-issue: Application denied

Complaint: DISCOVERCARD IS ALLOWING   XXXX   TO BLOCK  DISCOVER APPLICATION ELECTRONICALLY AND BOTH ARE VIOLATING SEVERAL CONSUMER LAWS, LIKE THE : DODD-FRANK ACT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I attended   XXXX   college from  XXXX  of  XXXX  until  XXXX  of  XXXX . I was on an   XXXX  scholarship  that paid 75 % of my tuition. So I needed a loan to cover the other 25 %, which was about {$3000.00}. This is the only student loan I should have. The following year I was given more scholarships for   XXXX   and I joined the   XXXX    and   XXXX   programs. With both of those programs they covered the left over 25 %. For my  sophomore and junior year I moved off campus so if anything my tuition should have went down. For some reason the school took out another {$8000.00} loan my Junior year. I never saw any of that money and I never signed for it. When I told navient this they sent me a promissory note that I signed my freshmen  year for the {$3000.00}. They advised that once I signed that letter my freshmen year I do n't have to sign anything again for them to take another one. So basically they can take a loan when they want once you sign a promissory note. It doesn'the seem right to me. I should have had to sign something for them to take out {$8000.00}. I even tried to go to the school to get some paperwork from back them and they could not provide me with any. I 'm not disputing the {$3000.00}. I know I owe that but I should n't owe the other {$8000.00}. I never needed or saw it applied to anything.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX is showing a line of credit on my credit report under the name of XXXX XXXX. This account is not mine. The bank refuses to give me any information on the account, because my name is not XXXX. They will not remove this fraudulent information from my report. I have also submitted several attempts to dispute the inaccuracy with the credit bureaus. This has severely damaged my credit and are ruining my purchasing power. Bottom line is my name is not XXXX XXXX, I did not open an account with XXXX XXXX and this should not be on my credit report. I have never been late on any of my payments with any company.

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 11/24/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Problems caused by my funds being low

Complaint: Citizens bank overcharged me on overdraft fees. Starting with XXXX I was charged an daily overdraft fee of {$6.00} however my account had a direct deposit of {$1600.00} therefore it was not in the negative that day and no document indicates if it was n't brought positive by a specific time the people day that they can charge a fee ( example XXXX the prior day ). This also was the same case on XXXX so with that they owe me back {$13.00}. Next citizens bank charged me {$6.00} on XXXX for my account going in the negative on XXXX however XXXX was not the third business 's day so they owe me another {$6.00} back. Lastly, on XXXX and XXXX I was charged a total of XXXX {$35.00} overdraft fees however only had XXXX transactions to make my account in the negative so they overcharged me a {$35.00} fee. Citizens bank owes me back {$55.00}. You all should audit this bank as I read articles of them overcharging customers with fees. I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have disputed the bankruptcy filing and submitted my FTC report to Equifax, they indicated they was removing the accounts ( Bankruptcy ) and it still appears on my credit report. I have attached a copy of there response regarding their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Debt collection (Credit card) with Resurgent Capital Services L.P. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX , XXXX is attempting to collect a zombie debt. Original creditor was served a cease & desist several years ago. I want all communications from any company tied to this debt to stop. I also will require them to pay me {$24000.00} ( the amount they are trying to extort from me ) as a penalty for practicing illegal collection tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I attempted to acquire a loan with a lending company. However, they were n't able to lend me as much due to my credit history. This was the XXXX time I had ever applied for a loan. I had never applied for a loan and to my astonishment, the lender revealed to me that I had applied for a credit card with XXXX in 2010 and made a payment substantially late. Four months approximately. I did n't even recognize the company nor I had no idea where you can apply for a credit card. I was in college at the time and I had no need for a credit card since I had scholarships to aid my expenses. So I am baffled as to how that ended up in my credit history. I called to both, the Credit Bureau ( TransUnion ) & XXXX, and they had told me that it will take about a month to get back with me to verify this information and also send me a letter via mail. I never gotten a written statement in regards of the issue. I called again to the credit company ( XXXX ) and again they directed me to the fraud department and stated they do n't have any information or record ov me getting a card with them and will send me a written letter via mail about the predicament. Again, after a year, I have n't received anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2015 about Mortgage (Conventional fixed mortgage) with M&T BANK CORPORATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I sold a property in XXXX NY mortgaged by M & T Bank. The proceeds did not pay off the loan, {$4100.00} short although this was not a short sale, the sale closed XXXX. I tried negotiating with the bank to re-fi the amount owed, they would not help. I was able to pay them off in XX/XX/XXXX by then the amount was {$8200.00}. I was charged for {$3000.00} for property insurance and county and city taxes although I did not own the property, the new owner was on title. The taxes were paid for the new owner, double paid. I had to pay the entire amount as the property was already taken to foreclosure and the new owner would have filed a law suit against me, my attorney and real estate agent.

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
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: Hello, I've tried to dispute a XXXX XXXX collection item with Portfolio Recovery Associates through the BBB. As they are reporting as a Factoring Company. I've attached the response from Portfolio Recovery Associates where they state that they are not a Factoring Company and do not report or consider themselves such. PRA requested a copy of my credit report in order to verify/rectify the issue and I sent it as requested. The account was also Settled In Full and closed however it is not reporting as such. Today XX/XX/18 I received a letter from PRA stating that my  complaint has been resolved and any future complaints would be ignored however the issues are still outstanding and negatively impacting my credit. Any assistance would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I recently pulled my credit report via transunion and noticed there were four inquiries on my account..however when I called the companies that inquired they stated credit was not pulled. I then learned that transunion had an inquiry issue that involved re-reporting of old inquiries. I believe that I am a victim of this inquiry issue. I called transunion but they refused to do anything about it. I am requesting these four inquiries be deleted from transunion as re reporting something already deleted without a notice of is a violation. And these inquiries are not accurate

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 12/15/2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I have been paying this collection agency whose address is XXXX. XXXX, XXXX XXXX XXXX in XXXX, CA because of a XXXX credit card account. First last year they started calling my sister and making harassment calls threatening deportation and legal action. So I decided to call back and they told me that they were Portfolio Recovery Associates and they were collecting my XXXX XXXX account. I made payment arrangements with them every month and my bank sends this electronically to them. My last payment will be in XXXX XXXX, 2015. I am concerned because the address is not in XXXX, Va but a XXXX XXXX XXXX XXXX. XXXX in XXXX, CA. They send me letters of my payments and balance with a bar code and a reference number and with t he Portfolio Recovery Associates , LLC on it and phone number XXXX. I do not know if this is a fake collection agency because when I googled the XXXX address XXXX XXXX XXXX comes up and there has been reports about this fake agency? I called up two weeks ago about my payments and the next day I began receiving harassing calls from a number that has an area code in Texas XXXX and I have been getting calls everyday. They even have a spoof CA area code number but when I call them I get a message that the number is not an active number. I called the XXXX number and got a message that says '' No one is available to take your call. '' As if it is a private residential number. But I called again and a woman answered my call and she told me that they were XXXX and they are located in Washington but when I told her her area code is in Texas she hung up. I do not know they are fake but what I am concerned is about Porfolio Recovery using a XXXX in XXXX, CA. And please help us. I know that we made bad financial decisions and fell behind our debts but we are really trying to get our credit straight but these has gone too far. Please investigate this XXXX address. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/28/2016 about Money transfers (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (OK).
Issue: Other transaction issues

Complaint: I did money transfer to a bank account using Western Union on XXXX/XXXX/2016. The money was never received by the receiver. After that I called more then 15 times to Western Union to request the refund on this transaction. Every time I was assured that they have submitted a request for the refund and I should hear back in 24-48 hours. They never called me back and every time I call they keep telling me that someone will call me back within 24-48 hours and no one calls back. On XXXX/XXXX/2016 I spoke to a manager name XXXX ( operator id # XXXX ) and she assured me that she will call back in 24 hours which she never did. I would like to receive the fund back via check mailed back to my home address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/26/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (IL).
Issue: Application, originator, mortgage broker

Complaint: I am very upset for the reason I have tried to work directly with my new mortgage company Wells Fargo.However they do not want to review my loan for a modification, I provided my income and my sons contribution for proof of income. However ; Wells Fargo executive office did not helped me they just turn me down. At this point I am doing all I can to safe my home, my home is severely under water. With the income I have I am confident I can keep up with an affordable mortgage payment. But Wells Fargo is just prolonging my loan making me fall behind more, the executive department advice me that even with the increased of income my loan is not eligible. This is not acceptable because I was told by an agent from Wells Fargo if there is a change of income I can always re-applied. Therefore I have and nothing is been done. For the record my intentions were not to fall behind but due to my divorce and extreme loss of income it was impossible to keep up with my mortgage payments. I have my rights as a home owner and I know my loan is not been review fairly. For the reason that I summited a complete modification packet on XX/XX/2016. Then is was denied XX/XX/2016. Wells Fargo just took six business days to review my documents how is this a fair review. Please help me I do not want to loss my home. My monthly income is {$2600.00} this includes my son contribution, and my monthly expenses are {$2300.00} this includes my current mortgage payment also I have a surplus of {$320.00} at the end of the month. I do have enough for an affordable payment, they keep changing my information. Due to all of this I believe that Wells Fargo is engaging in fraudulent and deceptive practices, they are basing most of their information on assumption, even though I have provided all the necessary documentation. I need assistance and I hope a solution is found to this ongoing issue.

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 01/29/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Struggling to pay mortgage

Complaint: XXXX XXXX Nationstar Mortgage I was informed that my loan modification payment would be XXXX/month I received a notice to pay XXXX XX/XX/2018 with a 7.2 % interest rate. 
This company has collected government payments under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Hi to whomever in concern, This is a goodwill request to remove the late payments from my credit reports and adjust them to " Paid as Agreed ''. I was late with my student loans through XXXX XXXX for the months of XX/XX/XXXX and XX/XX/XXXX of 2015. In result, I have 90 day and 120 day late payments on my credit reports. I did receive proper notification of the late payments, but at this time I was completely unaware of the consequences. But today, I am completely different. I have not had a late payment not only students loans, but I have n't on ANYTHING in over 29 months. I have the receipts to show that I have not missed a student loan payment in over 2 years. And I never will again. If possible, please help remove these late payments from my credit reports from the three major credit bureaus, as they are stifling my scores. I have turned a new leaf, and hope to use my credit in the very near future to start a business on top of other things that require a high credit score. I can not achieve this with these derogatory marks holding me back. These were the LAST late payments I will EVER have on my credit reports. Please let me know what I can do, or if additional information is needed.

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 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Filed chapter XXXX bankruptcy XXXX/XXXX/XXXX, approved for capital one credit limit of XXXX, XXXX XXXX XXXX and XXXX XXXX for XXXX in XXXX of XXXX. Bankruptcy XXXX in XXXX of XXXX. Fast forward to XXXX checked my credit report XXXX XXXX showed that all three credit cards where added to chapter XXXX bankruptcy I then called XXXX to see how that was possible since I did not add them on list of creditors for bankruptcy. Agent then told me that sometimes when someone applies for anything before discharge date that what ever accounts are open at time will be added to bankruptcy and the creditors are the ones who contact credit bureaus with information and that I should contact credit companies. Since capital one was the creditor still emailing me stating that I owed them I contacted them just for them to tell me the exact same thing XXXX told me. So I stopped paying on the credit card. Now here we are months later of going back and fourth with this particular situation all XXXX credit cards have been added back to XXXX and XXXX report and has my score droped because of higher utilization rates, late fees and now I have extra credit cards that I do n't not need because I opened XXXX other cards to restablish credit now there is a total of XXXX cards that I can not pay for.

Company response to consumer: Closed with explanation