milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Just trying to find out why when you need to find out how where your report use to get goods and if you need to use your own SSN # that it has been damaged or destroyed my credit is so bad after XXXX let out important information that 's I would think that when you need to remove information that 's is incorrect that it should be in your favor but now we are having trouble getting any help with home or personnel credit from any creditors.

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 02/16/2017 about Credit reporting () with Commonwealth Financial Systems, Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have as of today received a reporting on my XXXX report for the total amount of {$840.00} from Commonwealth Finance for a medical bill that was deleted over 5 years ago ( I Have proof of when they did this on XXXX ). They keep reselling or re-aging every 2 years or so and reporting this to all bureaus and damaging my credit on in-validated debt. I have proof of previous deletions. This needs to stop and not take over 30 days to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Debt collection (I do not know) with NORTHLAND GROUP INC (AZ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am a new resident in XXXX Az. About one month ago I started receiving calls from " Northland Group ''. I have had enough of their calls and blocked their phone number. I went to XXXX and there are over XXXX pages with complaints about this company. This company apparently is looking for a debtor and I owe nothing to anybody. I pay my bills within 30 days. I want them to stop calling my number because I do not think they are looking for me or my family members.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (I do not know) with Nationwide Debt Management Solutions, LLC (FL).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: This company claimed to be Nationwide XXXX, and they have called my work and demanded rudely to speak to my boss after calling all around my organization. This is unacceptable. I have never received any sort of mail from them, and I am assuming they are some sort of zombie debt collection outfit/scammer. I do not deal with companies I have never heard of anyway, as I get numerous scam calls. I will not deal with them on the telephone, period. If they believe I owe them something, they need to contact me in writing, but calling my office is not tolerated. If they get me fired, then they can be assured they wo n't ever see a penny, even if by chance there is some legitimacy to this, which I doubt. The call came at approximately XXXX to my office secretary, and the rude caller claimed her name was XXXX XXXX with a number of XXXX. I believe the number XXXX is also associated with these people.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Student loan (Non-federal student loan) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I am in the process of buying a home. My private insurance company will not give me a letter proving that I am currently in deferment with their company.

Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Student loan (Non-federal student loan) with CITIBANK, N.A. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Starting in XX/XX/XXXX I was a recipient of Citibank CitiAssist loans for my education at XXXX XXXX College in XXXX. In order for a Co-Signer to be released from my loans according to Citibank Policy, I needed to make on time payments for the first 48 months of my repayment plan. The first 48 months began when I was one year out of school. At that time I was just beginning my career and making an entry level salary. There was no way I could possibly make a {$600.00} per month payment as I had rent, bills and other federal student loans. Citibank was unwilling to work with me to lower these payments. This policy offers new graduates no chance of releasing their co-signer who could in turn assist in the refinancing of of these loans from a 3rd party. This practice keeps loan recipients in a hole of debt that is impossible to work out of independently. It is a poor and predatory policy. 

I submitted a request to release my cosigner which was denied several times. On XXXX/XXXX/XXXX I faxed a dispute and CC 'd The CFPB. I received a letter yesterday XXXX/XXXX/XXXX denying my request to release my co signer based on the 48 month policy stated above. This letter is attached. 

Also attached is my payment history. You will see that since XX/XX/XXXX I have been making full and on time payments ( with the rare and extreme exception of a 2 day delay ). You will also see I have made small additional payments towards my principal when possible. 

Base on my PROVEN ability to make my monthly payments, I want my cosigner released from all loans with citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (I do not know) with Associated Management Company Inc (CA).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I received a call yesterday XX/XX/XXXX from a number I 've never seen. I initially did not answer it. I then received a call from my brother who indicated a man called him asking where I was and said his name was XXXX XXXX. My brother did not provide the man with any information, I do not live with my brother, he has never consigned a loan for me or been on as a referral.I called the number back and heard the initial voice message indicated that I was calling AMC XXXX XXXX and then a man by the name of XXXX XXXX answered, I asked him who he was and did not identify myself. He then said he knew I was XXXX XXXX, he found out all about me, my job, he knew where I lived and knew who I worked with. He then stated that he had a " unique '' way of dealing with situations. All the time never stating what he wanted, payment, what I owed, just intimidating me. Out of immediate fear I hung up the phone and I then contacted the XXXX police department, they sent police offficers to my home to interview me and file a complaint with this individual. They contacted the same number, spoke with both XXXX XXXX and XXXX XXXX and explained that they were not to contact me since the allegations were on the border of harassment and potentially criminal. The police officer, Officer XXXX, also asked ( at my request ) that they mail me any demands on their civil request. At which point XXXX XXXX stated they had. My complaint is against AMC XXXX, the phone number I was contacted by is XXXX. I want an investigation opened for violations of FDCPA.

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 08-12-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I applied and was approved for a venture one / capital one visa XX/XX/XXXX. Prior to making application by phone, I call, spoke to a rep and confirmed that I was applying for and eligible for the offer that was mailed to me ( 0 % Intro APR on purchases and transfers until XX/XX/XXXX ). Again when the card was received in the mail, I called and spoke to a rep and confirmed that I was eligible for the 0 % Intro APR on purchases and transfers until XX/XX/XXXX offer. The rep also provided me with details on how I could complete a transfer by phone on XX/XX/XXXX. I called on XX/XX/XXXX to complete the transfer and was placed on hold approx 20 minutes before being able to speak to a supervisor ( XXXX, VA call center ) who told me that I was enrolled into a card with a 17.99 % apr and that I was not enrolled in nor eligible for the 0 % apr offer for which I originally applied. He then went on to describe a lengthy process by which I was required to submit documentation in order to have my concern reviewed. Business Info : XXXX XXXX XXXX XXXX . XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2016 about Mortgage (FHA mortgage) with Siwell Inc (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Since we began receiving mortgage statements our servicer had our account listed as convention, though we in fact have an FHA loan. We have called many times in the last three years to remind them that we have an FHA loan and to be sure that they ahve been making our FHA MIP payments. 

At the end of XXXX I spoke with XXXX at ext. XXXX who stated that their system was not updating FHA MIP due dates as the payments were being made and first analysis ( XXXX/XXXX/XXXX ) reflected an escrow negative over {$900.00}. She double checked payments and dates, found the error and re-ran analysis which then reflected a surplus. I asked her to re-analyze the account because I did not want her to refund escrow money that was for MIP payments. We were assured that the FHA premiums were being paid and in XXXX XXXX we received an escrow refund check. 

When we recently received our XXXX statement for XXXX it showed no FHA premium payments. We contacted our servicer who researched the account and stated that they had made the payments to FHA for our account for the last three years. I explained that a year earlier I was assured that the payments were made and even received an escrow refund. I was told that the escrow refund would not have anything to do with our FHA MIP because the payments were being taking by the lender but that they had failed to remit those payments and that this error would not affect our escrow balance. The servicer said that we would receive a revised XXXX statement that would reflect three years of premium payments because they had not reported those payments on the prior years ' statements. Today I received XXXX substitute XXXX statements. The first showed MIP {$2500.00} and XXXX XXXX escrow balance of & XXXX. I called to find out why the amount was low and was told that they may only be able to show one years worth of premiums on the statement and that they would get back to me. I then received by email another revised XXXX showing MIP {$7300.00} and XXXX XXXX escrow balance of {$71.00}. I emailed back concerned with the fact that now, in XXXX XXXX, they have changed my 2015 year end escrow balance and now I am missing {$4700.00}. 

I had been assured on more than one occasion that our account was correct. I was told that their error would not affect our escrow account. Now I can not trust their accounting and am concerned that I have no way of ensuring proper application of our funds. FHA has confirmed that our account was not past due yet my servicer says that as of today they still had not paid all of the premiums due. I can not believe what they tell me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2016 about Mortgage (Conventional fixed mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: My mother, XXXX XXXX XXXX passed on XXXX XXXX, XXXX. I am the Successor Trustee Of The Estate, The XXXX XXXX XXXX Living Trust. SPS acknowldege me, and approved me for a Trial Modification Home Retention option, in which correspondence I uploaded dated XXXX XXXX, XXXX, and I complied with the Trial Payments. On XXXX XXXX, XXXX I received the permanent loan modification documents, in which I signed the agreement and sent back to SPS on a timely manner, uploaded the Permanent modification documents. XXXX XXXX, XXXX after I complied with the trial period payment, after I signed and sent back the agreement SPS sent me I received correspondence from SPS informing me They were NOT going to go through the Home Affordable Modification, which agreement I accepted, signed, and sent back, because they are unable to verify my identity. Mind you, I complied with everything that was asked of my, documents, payments, and they breached the agreement we reached. On XXXX XXXX, XXXX I received correspondence from SPS returning my first permanent modified payment to me. I am at loss for words with all that has happened and continues to happen. I am now facing foreclosure because SPS decided to renege on the agreement reached in which to I signed acceptance to, and payments were cashed. Please help me avoid foreclosure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Mortgage (Conventional adjustable mortgage (ARM)) with BANK OF AMERICA, NATIONAL ASSOCIATION (MI).
Issue: Loan modification,collection,foreclosure

Complaint: Regarding equity loan with bank of America that required balloon payment in XXXX 2015. I requested extension or modification of this loan in early XXXX to avoid any potential negative effect on my loan. Bank did not approve loan modification until XXXX. During the approval period, I continued to make all payments on time and in the amount due or more. Upon approval I was notified of a three month " trial '' period for some unknown reason before loan would be finalized. During this " trial '' period I could only make payments in the amount due even though I offered to pay more, even an amount to the total of the three month period to expedite the approval period. The bank would NOT allow such a payment plan, only the amount due each month. Even though my loan was approved, the bank then submitted a delinquent notice to the credit agencies. In turn my credit rating quickly dropped from XXXX XXXX very good XXXX to XXXX XXXX fair ). I have responded to all bank requirements regarding this loan in order to avoid any negative credit reporting. The bank did not advise me that upon loan extension approval that I would be reported as delinquent. The bank misrepresented the consequence of the loan extension and unfairly and unjustly damaged my credit rating. I feel that consumers need to be protected against such improper banking practices. Full transparency must be a requirement. I request that the Bank of America be required to fully disclose their delinquent and unfair handling of my account so that I can restore my very good credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-06-2018 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (FL).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: This account is very old and will like it to be removed immediately from my credit.

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 09-09-2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Bank of America is reporting an original charge off amount of {$850.00} to all XXXX CRA 's. This was a secured card which I paid {$600.00} down. The limit was {$600.00}. The card was never over the limit and I paid {$250.00} which was considered payment in full of past due balance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CONSUMER PORTFOLIO SERVICES, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Past creditor, Consumer Portfolio Services is purposely reporting in accurate information to XXXX Credit Bureau Agency. CPS has been cited by the Federal Trade Commission due to unfair unlawful business practices. My car was repossessed back in 2014. The account status should be noted as " repossessed-charged off-closed ''. The company is reporting to the credit bureau agency as 30-60-180-days past due, also failure to pay. I would like for this company to stop the illegal business practices they are still committing. Again, CPS has been cited by the FTC for their unlawful business acts.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2017 about Debt collection (Credit card debt) with Altisource Portfolio Solutions, S.à r.l. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I started getting calls from debt collectors stating that I owed money for various credit cards. The credit cards were from XXXX, XXXX XXXX, XXXX, and XXXX. I was extremely confused but they threatened that if I did not pay the debt then it would ruin my credit score. Of course, out of fright, I decided to start making payments on these large bills. Most of the bills were over {$1000.00}. So i tried to settle the accounts as much as I could. Upon moving across the country, I did n't have a job, so the debt collectors called me again and threatened that I had to pay and if i did n't then all of my payments that I made previously would not even matter. They would hand the account off to another debt collecting company and I 'd have to start all over. I am at my wits end. I have tried to pay but this debt was not mine to begin with. Around 2012, I dealt with identity theft and had to switch banks and take several steps to make sure my money was protected. Now, I 'm dealing with it all over again. My credit score is in the pits and I can not take out any loans for school or otherwise.

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 11-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (DE).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: XXXX XXXX, XXXX, Georgia has recently changed the functionality of the website used for the TJ Maxx Rewards Visa Credit Card. This morning I went online to pay my bill and discovered that the redesign of the site has made it exceedingly difficult to pay the statement balance that is currently due. 

Instead of displaying the statement balance ; the minimum payment due ; the current balance ; and the available balance, the prominent information consists only of the the last three items ( plus available cash advance value ). The consumer should be able to easily discern, as it was up until now, what the actual statement balance due is, and not be misled into paying more than is technically due on the due date. 

Although XXXX XXXX XXXX design team may believe they improved the user experience by using bigger fonts and adding more negative space to the screen, they have in reality made important information less visible and retrievable only through the use of added clicks which are not so apparent to the average user. 

They need to use more average consumer focus groups when redesigning the tools on the website. I fear the average user will unnecessarily pay more than the balance due amount on the statement because the site now esentially buries that amount. Thank goodness I still get paper statements because even viewing the most recent paper statement was challenging.

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX turned my cable off next day. I am disputing ( Re- investigation ). The balance is inaccurate. See attached .and I turned in equipment as well. Please update credit file. all 3. inaccurate infornatuon. please adjust or remove.

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