milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/29/2017 about Credit reporting () with ERC (OH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The account was paid in full as a collection with the understanding that it would be removed would be removed from my credit file after they received the payment the account was paid and closed on XX/XX/2014

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04/25/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (PR).
Issue: Unauthorized transactions or other transaction problem

Complaint: I sell items  on   XXXX   and  have a 100 % seller rating but paypal has already restricted my funds on three occasions do to fraudulent cases opened against me by fraudulent buyers instead of them helping with the process they just say it 's all automated and out of there control. This has cost me thousands of dollars in interest payments with my credit card companies.When I call they say I have been informed but they never actually contacted 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 02-02-2018 about Payday loan, title loan, or personal loan (Installment loan) with Risecredit, LLC (CA).
Issue: Struggling to pay your loan

Complaint: Recently my family have been faced with unavoidable documented finacial hardships. My Wife " XXXX XXXX '' and I, informed Rise of our finicial hardship. We ask Rise to work with us and informed Rise of our goal to avoid Chapter XXXX bankruptcy and pay our finacial obligations. In order to avoid chapter XXXX bankruptcy we would need Risecredit to work out new repayment terms. We were unable to to Pay the Current 199 % rate on our loan and we were unable to Pay {$260.00} twice a month, which were deducted out of my bank account every pay day. 

I asked Rise credit for a copy of my loan agreement, and let Rise credit know my loan documents were taken off line and I did not have a copy of my loan agreement. 

I also let RiseCredit know I felt their lending falls within the guidelines predatory lending ... Do to the following at the time I applied for the loan ... 
My credit score was XXXX I am a Veteran in process of being a XXXX Veteran and they applied an excessive interest rate of 199 %. 
Rise has also threatened to sue me and refused to work with me. 
I have not been provided a copy of my loan agreement I have not recieved a default letter by mail nor e-mail Rise responded by, stating my account would be refered to an attorney and I would be sued for the remaining amount I owed on my loan. 
Rise refused to work with us in regards to our documented finacial hardship. 

Rise is refusing to work out an affordable repayment plan so I can avoid Chapter XXXX Bankrupsy by lowering my interestrate and montly payments. 
I feel taken advantage of by RiseCredit I feel RiseCredit took advantage of a Veteran who had a credit score of XXXX when I was provided a 199 % on my loan and with excessive payments {$260.00} twice monthy equals {$530.00} monthly. 

I will add I was never sent a default letter my email nor by mail, RiseCredit is forcing me into Chapter XXXX bankruptcy by refusing work out a repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 06-07-2017 about Debt collection (Medical debt) with Jvs group (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: JVSGROUP {$2600.00} {$0.00} 4 accounts reported on XX/XX/XXXX 0 accounts reported on XX/XX/XXXX Open Account # 1 {$1200.00} Balance XXXX  CLINIC Original Creditor {$1200.00} High Balance XX/XX/XXXX Opened DateXX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note See an error? Report it to XXXX with our Direct Dispute tool.
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Dispute an Error This agency did not report an open account to this bureau.
Open Account # 2 {$900.00} Balance XXXX HOSPITAL XXXX Original Creditor {$900.00} High Balance XX/XX/XXXXOpened Date XX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note See an error? Report it to XXXX with our Direct Dispute tool.
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Dispute an Error Open Account # 3 {$150.00} Balance XXXX HOSPITAL XXXX Original Creditor {$150.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note See an error? Report it to XXXX with our Direct Dispute tool.
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Dispute an Error Open Account # 4 {$360.00} Balance XXXX HOSPITAL XXXX Original Creditor {$360.00} High Balance XX/XX/XXXX Opened Date XX/XX/XXXX Last Reported Individual Responsibility Placed for collection Remarks Note See an error? Report it to XXXX with our Direct Dispute tool.
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This company refuses to provide me verification and validation of debt per my right under the FDCPA section 809 ( a ) and ( b ) on 4 collection accounts in their office. I am demanding proof of this debt for any and all accounts. Consider this a direct dispute because this is not my debt and this is defamation of character for all 4 accounts. I have spoken with numerous people that this company has done this too. They are very hateful on the the phone and use many unfair and deceptive collection practices. Last 4 of my social are XXXX  and my address is XXXX XXXX XXXX XXXX TX XXXX. I need proof I owe this debt. Also I will be contacting an attorney to seek actual and statutory damages against you and your client. I will also be contacting your client to notify them of your unfair practices and inform them what kind of agency they have hired.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I am unemployed ( again ) - and have used all of my forbarance and deferment time because this is my third time being laid off in ten years. When I call Navient for help, they say there is nothing that can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Checking or savings account (Savings account) with ALLY FINANCIAL INC. (TX).
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint: I requested a wire transfer for {$120000.00} on XXXX XXXX, 2017 at XXXX AM XXXX for the closing cost of a house. There is a notice in Ally website that goes as follow : " Requests received or verified by XXXX pm XXXX, Monday to Friday, will process that same day. Wires received after the cut-off time, or on a weekend or holiday, will process the next available business day. 
We may need to call you to make sure you authorized this transaction. More than one business day may be required if we cant reach you for verification ''. 
Nobody contacted me from Ally to verify information until after I called them at XXXX PM XXXX. When I talked to XXXX at XXXX PM XXXX, he said that funds were going out today but that he could not give me a timeframe. I called them again at XXXX PM XXXX and XXXX, the supervisor, mentioned that wire was not going out today because it did not make the cut-off time and that there was nothing she could do because the department that handles the wires is closed until tomorrow. I have contacted Ally multiple times to resolve this but seems that Ally never had any intention of disbursing funds today and they shield themselves with the excuse that they were not able to verify transfer before cut-off time, even though they were supposed to contact me, and there was no way for me to reach out to them.

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 02-03-2017 about Credit card () with BARCLAYS BANK DELAWARE (SD).
Issue: Billing disputes

Complaint: I called to make a payment on my card today, and was told it was {$120.00}. I spent an hour on the phone trying to get the woman to tell me why it was {$120.00} today. Finally a manager gets on the phone and tries to tell me that he listen to the last conversations I had but lied and said I knew that I owe the past due amount 's and that I was in collections which is false finally he said that I had no choice but to pay the minimum of {$75.00} that was due today I was a palled because the previous woman told me it was {$120.00} today neither one of them could come up with any excuse as to why I owe these amounts I made the payment so I would n't get any more late charges but this is a fraudulent scam these people just add on amounts neither one of them New my actual payment due was for today I have recorded the call and I 'd like to email that call to you. Finally every time I call I 'm told is different amount is due when I pay that amount the next month they tell me that was n't enough so now you owe extra and our fees this is a scam. Also I 've never received one statement in never received one statement in the mail. Please look into this and let me know where I can send the recording they trip all over themselves backtracking trying to come up with reasons why there 's fees what the fees are for and how much they are it takes her an hour to try to just tell me that. They put me on hold for long periods of time I was on the phone perhaps two hours it seems like. Unprofessional and seems to me like a scam or somebody scraping money off the top. Thank you

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 05-01-2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Dear Sir or Madam, I opened a chec king and a saving account with Citibank in   XXXX   2016 : - As a new consumer, I was supposed to receive  XXXX  $ after a period of 120 days following the opening of the account. It was an offer that they advertised on their website, and I signed up for it when I opened the accounts - I complied with all the conditions ( amount to put on the account, etc. ) - I reached out to my personal banker many times about it. He said that City bank was having " IT problems '' and that the transfer could not be completed. They are now 4 months late, and I can not imagine that a multinational like Citibank would have " IT problem '' for 4 months - I would need your help to force Citibank comply with what they advertise Thank you

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 12-11-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Credit decision / Underwriting

Complaint: On XXXX XXXX, 2015, I refinanced my house in order to get the mortgage in my name and out of my deceased father 's name. My mortgage was with Nationstar Mortgage LLC at the time I refinanced with another mortgage company. At closing, I was told that I would probably receive a refund. I received a refund this week but can not cash the check ( {$140.00} ) because it was issued to the ESTATE XXXX. I have called Nationstar yesterday and today to inform them that my father 's estate did not pay off this loan, I did and my name should be on the check. So far I have not resolved this matter and am very upset with the way I have been treated my Nationstar Mortgage LLC. I have demanded that they reissue the check in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Bank account or service (Other bank product/service) with U.S. BANCORP (CA).
Issue: Account opening, closing, or management

Complaint: I had come to a settlement with US bank and after not receiving anything in the mail/email after that, I get a collections letter from collctns agency I had money problems and my account was past due. I contacted them because I was going to do contact a credit consulting company or file bankruptcy but decided to contact them. We agreed to a settlement and thought that everything was closed because I did not receive any kid on mail or email notifying me of the situation. Then, at the beginning of this year a get a letter from an agency stating that my account was in collections for the amount of the remaining balance and when I ask for proof indicating this, I get statements for XXXX and according to portfolio recovery, the account was charged off in XXXX 2013 and then collections. This stories from both sides do not add up because I can not get a letter from US bank who " can not '' email because of securities issues. I think it had to do with US bank being bought out.

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 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have been trying to get something removed from my credit file. There is fraud going with  XXXX    XXXX    and  XXXX . I have a Federal Trade Commission report now Equifax say I need a police report. from  XXXX     2016 p resent. I have place alerts and freezes. Spoke with  XXXX   XXXX  Fraud department but it still is coming through with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Mortgage (Conventional home mortgage) with M&T BANK CORPORATION (MI).
Issue: Trouble during payment process

Complaint: I paid my XXXX XXXX, 2017 mortgage payment by mail using the enclosed mortgage coupon and my check. On XXXX XXXX, 2017 I closed on this property using a title company and contacted the mortgage company prior to the closing date to get a payoff amount. I did not have any problems with my account at that time. I have been waiting to get my escrow distribution check back from them and finally called to see what was going on. I was told by the mortgage company that the check had been mailed to my new address, and I had not changed my address so I asked to have the check resent to the correct address ( thinking it was the property address ), and when they verified my address of a South Carolina address, I was asked how did that change I did not change it nor move. I was told by the mortgage company that my address had been changed on the mortgage coupon slip. The mortgage coupon slip I mailed using the us mail service. So I inquired more, and I have now asked for the copy of the coupon used to see the change of address and they do n't have it. I did receive the check from them, In the wrong name with the wrong address, so now I am just waiting for the corrected check from them. This is not the first time I have had to correct information with this particular company. Since I was assigned the mortgage my address has been changed twice, my escrow funds have not been paid properly. They have paid companies that I was no longer with even after a phone call telling them not to pay. They over paid my taxes, under paid my insurance, shorted my escrow account and then would n't refund the surplus. I am glad I do n't have to deal with them anymore, but other people should n't have to go through what I went through.

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 08/25/2015 about Mortgage (Other mortgage) with CITIBANK, N.A. (AZ).
Issue: Loan modification,collection,foreclosure

Complaint: I borrowed in 2005 from a private lender in XXXX Az the sum of {$15000.00} the lowest they would lend and got {$12000.00} after deductions of the financing from the personal lender. Some years later I married and my husband and I needed cash, It was XXXX neither of us were working and he wanted to relocate to a job in XXXX alone, to work as a partner in a XXXX. I married him to care for his daughter who had XXXX. The marriage was for the advantage of placing her a few days a week in a XXXX school. Me being her step mom would be easier, we thought. Any how the man was a close childhood friend. We went to a finace company to get a l loan on his truck, and spoke to the financer of my personal loan which was approved with my free and clear house deed, and i owed {$10000.00} We told them he was working and they said they could get the deed from the lender then add {$8000.00} and wallah, we did. I think that this company did something wrong like not subtracting the truck and just using my deed. My husband left to XXXX abandonded me aand the debt that he was part of and i struggled for a few years to pay with no husband to help. My house in in forecloure, they once said it was written off, but XXXX peopla a woman who used different names a man who was using diferent names also. My house was suppose to be auctioned off XXXX times but was poseponed. And now they said my house was sold, they offered a settlement but said 3 to 6 months for my deed. i dont know if my XXXX boys my XXXX year old mom and myself are gon na be homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (NV).
Issue: Taking out the loan or lease

Complaint: I was told by a loan officer the amount I was approved for after checking my credit and putting me on hold ( this was done via phone ) and speaking to an underwriter. The officer then told me the amount and I verified it. The officer described to me the next steps and went over the documents I needed to submit. They told me I would need to paydown my 10 day payoff first and that the bank would only forward with the paydown under the approved amount. With this information I proceeded with paying down the amount and adjusting my budget accoring to what I had been told. The day after the loan had all of my documents submitted I was called and told the amount I was approved for had changed. I tried to escalate the matter but was told nothing would change.

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 07/26/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VT).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient has ruined my credit report. I have been faithfully having {$100.00} every month taken out of my bank account for the last couple of years and when I signed up for their program they said that the monies will go directly to the principle. Not true, my cosigner has been trying to get a loan and on my report it says I have n't been paying at all " charge off. '' Upon further digging today I found that they are charging my interest. I wish I would ha e known because I would ha e claimed it on my taxes in XX/XX/XXXX and XX/XX/XXXX. I got not letter from them saying that I paid them interest. Today I was on the phone e with them for well over an hour and they just kept making me hold or sending me to another department that just passed me on to another and another. They offered my coborrower a payoff to take his name off my loan in the amount of {$3000.00} and then said they would write the whole loan off if he came up with {$600.00}. Both of us would qualify for a loan to pay this off if they have n't been reporting that I am not paying. I have had problems with this loan in the past when they were taking payments when they were not supposed to. My account according to them is on track because of the {$100.00} a month payment, but then I switched departments and they say because I have n't been making the full payment I am delinquent and that 's why my credit report says I have a charge off. Why set a payment plan up for me and tell me I am all good and then write me off as a delinquent account? My coborrower says they have been calling him every day, but they have n't called me to tell me what they are offering him or that there is even an issue with my account. I see on their website that there is a way to relinquish the coborrower, but I need good credit. How could I have good credit if they are the ones ruining it? Even though I have a payment plan with them they are charging me the remaining balance due every month. I had no idea that they were doing this. I thought that the repayment they set up with me was covering everything and all of it was paid towards the principle. They pulled a fast one on me and I ca n't believe I trusted their word, never trust your loan holder is what I am now thinking. This is the second time they have done me wrong. I have no way out, they wo n't make the {$5600.00} I owe them RIGHT now go away to clear my credit score, even though I have been paying them. Help me, please ... if there is anything you can do!

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Unauthorized Inquiries made on my credit report : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/13/2017 about Consumer Loan (Installment loan) with Lockhart, Morris & Montgomery Inc. (MS).
Issue: Taking out the loan or lease

Complaint: Collection agency, Lockhart, Morris, Montgomery continues to lie about collection of my loan and the threats they made to me and my daughter. I have never said I signed the contract. I never signed the contract. My daughter was not even in the same city when the contract was signed. The contract was emailed to me because XXXX, the salesman had it on a laptop. They claim they did not give me my full social security number and threaten me and my daughter but I have it recorded. They are lying. I can verify this. I also called the company the day the installers came and destroyed my home. I 'm trying to get the phone records now. I told them it was unacceptable. I did not want it. It states in the contract that I had three days to cancel. I also have an email stating the same thing that was sent to the company within the three business days. My daughter is listed on the contract as someone to contact if the alarm goes off and I ca n't be contacted. They only have her name and an old telephone number. XXXX and Lockhart, Morris and Montgomery are liars and scammers. I can verify everything I have said. They forged my signature and my daughter 's.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10/22/2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Refused to remove inaccurate information from my credit reports. 
Also information is over eight years old.they also refused to provide copies of original contracts or statements to prove validity of said debt.

Company response to consumer: Closed with non-monetary relief