milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-11-2016 about Payday loan () with Big Picture Loans, LLC (MT).
Issue: Charged fees or interest I didn't expect

Complaint: Applied for Payday loan ( XXXX/XXXX/2015 ). Received {$600.00} in Acct. Agreed to pay $ XXXX/month. Was debited {$350.00} XX/XX/XXXX, then a few days later, on XX/XX/XXXX, debited another {$850.00}. This was not my payment schedule or an agreement ( that I entered into, knowingly, or with ALL the facts ). This caused me to become ridiculously overdrawn, and then when speaking to them about my issues with their business practices, they offered me a {$1500.00} dollar loan ( " to help '' ), which I immediately refused. This is a huge problem, I was supposedly paid off but now they are telling me I still owe like {$520.00}!?!!!! I have paid over 3x ( closer to 4x ) the amount of the loan received, this is a disgusting case of usury. Do n't do business with these people!

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received an email displaying a dept store statement which had an inaccurate balanced on   XX/XX/XXXX .  I called the dept store and spoke to an agent and told her that I did not place that large purchase for {$850.00} at   XXXX   on   XX/XX/XXXX  . She corrected the balance and said that she will send me a new card. I went to   XXXX   XXXX   and checked for any other fraudulent activity and noticed on that same day ,  XX/XX/XXXX ,  there wer e    XXXX   other hard inquiries done without my consent that someone else had did.      XXXX /  XXXX   XXXX    XX/XX/XXXX  &  SEARS/CBNA     XX/XX/XXXX . I also n oticed an inquiry from   XXXX     XX/XX/XXXX   from  XXXX   XXXX   XXXX   XXXX  was done without my consent. I tried calling but I could not get 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 non-monetary relief
Consumer complaint received 10/26/2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (IA).
Issue: Managing the loan or lease

Complaint: This is a dispute for case number XXXX : Once again- the right hand does not know what the left hand is doing. The responses I received from CITI stated they will be sending to satisfaction to the XXXX County Courthouse. I was beyond ecstatic to have this finally behind me after CITI 's " clerical error ''. The same " clerical error '' that has wasted MY TIME, hindered me in potential jobs, and housing options. Now, I have found out after receiving XXXX letters stating this, the satisfaction that was supposingly being sent to the XXXX County Courthouse was sent to my ex- mother in laws house. I have no idea why this was done. This is beyond ridiculous. Now I have to spend more of MY TIME to get this document and take time out of work to get this recorded at the XXXX County Courthouse. I would like to be compensated for my time because of this " clerical error ''. This has been a waste of my time and has ruined my life for the last year. Please make a check payable to myself in the amount of {$1000.00}. Oh and please do not send this to my ex- mother in laws house. My address AGAIN is XXXX XXXX XXXX XXXX XXXX, IA XXXX. You know, the same address on the loan docs.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Debt collection (Medical) with Herbert P. Sears Co., Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I sent a check to XXXX for XXXX XXXX dollars and relieved a collections notice recently I did not think there was correspondance between the XXXX companies. I recently called XXXX and paid in full

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/24/2016 about Student loan (Non-federal student loan) with Earnest Inc. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: We made a large extra payment to paydown the loan, it was not posted when it should have been ( they acknowledgde issues with their processing ). It was posted ( finally ) 18 days after it should have been. They said they would have credit us the accrued interested related to the late posting by early last week, but have not done so yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-07-2015 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (NY).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage Servicing Company, Shellpoint Mortgage Servicing, made a mistake when it paid my insurance renewal premium not once but twice in XX/XX/XXXX. It paid the insurance premium from the loan for the property to be insured and again from my other property 's loan ( which was already insured with a different insurance company and was not due for renewal until XX/XX/XXXX ). Then Shellpoint did an escrow analysis for XXXX properties based on the incorrect information generated by its own mistake and increased our mortgage payment for XXXX properties by nearly $ XXXX/mo total. When the insurance company refunded the overpayment, Shellpoint credited the wrong account. Despite my efforts to sort this out by phone on XXXX different occasions, nothing has been done to remedy the situation. I am just getting the runaround. No one ever does what they tell me they are going to do.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MD).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I sent a letter of NOTICE AND DEMAND TO VALIDATE DEBT CLAIM to Citibank on XXXX/XXXX/XXXX and they have 30 days to respond. 

They have sent two collections agency to try to collect alleged debt.

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 05/15/2017 about Debt collection (Credit card debt) with American Coradius International LLC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They have repeatedly contacted my  XXXX   year old gre at grandmother numerous times at her house she is very old and does n't remember much my aunt was there today when they called and told them to stop calling it is totally unacceptable to be calling my  XXXX   year old  great grandmother because he phone number is the phone book! They can call me I still have the same phone number and they have n't but to call and elderly old lady numerous times about my debt and have her worry is unacceptable..

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax has done the most repulisve and disgusting thing one can possibly do, after nearly 2 years of a contentious near legal battle going agiainst there obstence to block XXXX debts and accounts they have again proven there nefarious colors and reinserted each of the deleted accounts. Juding and juxtaposing the older Equifax statements you clearly see the agreement with them in blocking each of those accounts. 10 months later and now all of them are back. 
XXXX-These had been blocked in XXXX there are XXXX of them XXXX XXXX in XXXX XXXX-Blocked in XXXX XXXX-Blocked in XXXX XXXX-Blocked 7 months ago XXXX-Blocked 3 years ago Et aL, THE ENTIRE THING IS A MESS AND IF THIS ISNT RECTIFIED I HAVE NO OTHER CHOICE BUT TO COMMENCE A SUIT, I HAVE SENT COUNTLESS POLICE REPORTS, FTC NOTICES AND DONE ALL THE LAW ALLOWS, THESE PEOPLE DONT LEARN THEY ARE THE ONLY ONES WHO HAVE DONE THIS REINSERTION

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I wrote the credit bureaus and explained the late pays were incorrect. They did not change them. 
Attached are bank statement copies for each month reporting late for XXXX showing I paid on time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2017 about Credit reporting () with Revenue Assurance Professionals LLC (TN).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Consolidated Recovery System is reporting collection/chargeoff for XXXX balances, all for one month and year. 

One company XXXX I am not familiar with at all.

Company public response: Company can't verify or dispute the facts in the complaint
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 Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is a continuation of trying to resolve this problem with Experian. History with CFPB will show I have tried since 2013 to fix this with no success. Attached is a copy of a credit report disclosed to me from XXXX XXXX while in refinance process. Experien, of the three credit reporting companies, shows me with the lowest score and " a serious delinquency ''. I believe this is a continuation of their violation of Federal Bankruptcy laws because they labeled non payments WHILE I WAS PROTECTED DURING A CHAPTER XXXX BANKRUPTCY as late payments. They should not have done this as I was in the bankruptcy process. Prior to that I never had a late payment, and I specifically did not make late payments knowing I was filing bankruptcy and did not want to further affect my FICO by being late. They have yet to fix their mistake though I have made complaints through CFPB. I need to see their proof of " serious late payment '' or they need to fix their mistake and stop breaking Federal law and affecting my credit score.

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 04/27/2016 about Payday loan () with Fidelity National Information Services, Inc. (FNIS) (PA).
Issue: Charged fees or interest I didn't expect

Complaint: All i want is my life back chexsystems saying i do n't owe anyone then why I 'm i not able to open an 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 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: showing on my experian credit score, As length of time ( or unknown time ) since account delinquent, this information has been in my account since 2000 and not sure why credit report would remove 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 explanation
Consumer complaint received 08-11-2016 about Debt collection (Medical) with Medical Society Business Services, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We revieved a statment from XXXX on XXXX/XXXX/2016 and paid it on XXXX/XXXX/16. BUREAU OF MED ECONOMICS Reported us to the Credit Bureau without ever contacting us

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 non-monetary relief
Consumer complaint received 04-02-2016 about Debt collection (Medical) with Monterey Financial Services LLC (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I spoke with a representative named XXXX. He said I owed {$120.00} but I disputed the amount. I owed {$96.00}. He spoke fast, he changed the amount on the debt 3 times during the call, and he lied and said they were a paperless company when I asked for a print out of my bill. XXXX did not direct me to the web site where I could put in my account information and see the correct amount. XXXX said they were a paperless company but they had sent me a paper invoice a week before.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (MD).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Company inserted a debt on my credit reports from  XXXX    XXXX   XXXX   without sending a dunning letter. That is a violation of the FDCPA. Portfolio Recovery has also ran my credit without my permission which is illegal.   XXXX  I DO NOT HAVE A CONTRACT with Portfolio Recovery. They have also inserted  XXXX   XXXX   XXXX  items on my credit reports.

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. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There was that a computer glitch with their database on 2 separate occasions ( XXXX and XXXX ) with Transunion. This was TransUnion 's problem - not mine which caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. They refused to transfer me to someone that could help me and hung up on me, in fact. These inquiries have added a hardship and that my rights were violated by TransUnion.

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 10/15/2017 about Debt collection (Other debt) with Tate and Kirlin Assoc (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this Dept ( XXXX ) Off & I would Like the negative balance REMOVED From my Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I did ask my lender ( Citimortgage , Inc. phone XXXX ) multiple request to waive the escrow account and the company denial my request for the reason they said is loan-to-value ( LTV ) ratio too low, now at current value of 84.36 % .but this value it was calculated in XXXX when they original appraised value of the property of $ XXXX.I recently appraised the property using a private appraiser and the property value is more higher but CitiMortgage do n't want to accept it, and then I request the company to do their own appraiser but they do n't want to do it.That is the mean reason for this complaint and I do appreciate any kind of help from you. 
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 10/31/2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and XXXX and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. 
The Account was established in XXXX of XXXX The address attached to this account differs from the address I have lived at since XXXX The payments made on this card was drawn from a bank account that is not mine, this bank account was opened from an address that is not my address.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Mortgage (VA mortgage) with PLANET HOME LENDING, LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: My loan went into forclosure due to an issue with a divorce. Once I got that out of the way I filed for bankruptcy and put the house on the market for sale. I got a full price offer within 15 days and went to set up closing on XXXX XXXX, 2016. My title company requested closing documents from Planet Home Lending ( my mortgage company ) on XXXX XXXX. When we got to XXXX XXXX, and had not received closing docs we called Planet home Lending who said they see they received the request but ca n't find it. Please resubmit. So we changed closing to the XXXX of XXXX and resent request. We never heard back again so on the XXXX we called and they said we would have in the morning before my title company got in the office. We are calling and emailing everyday at this point but only being able to speak with customer service and they would not let us speak with the closing docs dept. so long story short we have had to cancel closing 4 times. We are set for closing now on XXXX XXXX but seems like we are not going to get closing docs. I have had to allow buyers to move in home with free rent for almost a month now and I have had to pay electric and water to not get them to pull out of sale. They said if we do n't close XXXX XXXX which will be the XXXX time we have cancelled closing due to not having closing docs. So I have had to get charged for an extra month of mortgage, extra month of penalties and fees and the rent, electric and Water and now I may lose the entire sale. I feel because I have so much equity in the home that they are trying to sabotage the sale of the home so they can foreclose and repossess the home. I was told there was a law that gave mortgage company 7 days to give pay off. We have been waiting almost XXXX now with no end in sight. Please help! 

XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 01-04-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian Date : XXXX XXXX, 2017 Report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX is not my address nor have I ever lived in XXXX XXXX Ca Incorrect information on y credit report that is not mine and another address Experian came up with that has never been my address. 

Experian incorrect gather information not my address.

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 08/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Some one dryed to apply for a capital one credit card with out my permission

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 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 first sent letters on XXXX XXXX, 2016, letters attached and Return Receipts, to XXXX and XXXX XXXX, after checking my Experian credit report and noticing XXXX and XXXX making an inquiry into my Experian credit report, asking why but never received any responses from them. Made numerous phone calls also and they can not remove it due to " ME '' allowing them to run it but clearly told them I never ever applied for anything from their companies. Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to XXXX 's and XXXX 's alleged purpose for doing so since I did not apply for credit with their companies. This inquiries were performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I then sent a letter to Experian, letter attached, and did not also receive any responses from them. Then I made a phone call to them and Experian told me they can not do anything about these inquiries and that I would have to contact XXXX and XXXX, which I did numerous times, and still these inquiries are on my Experian credit report. What do I do now? I am very confused as all three parties are not doing anything about deleting this unauthorized inquiry.

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 03-10-2017 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I have been getting unwanted sales calls from my mortgage company, Freedom Mortgage. They are trying to pressure me to go further into debt with them by taking out a second mortgage or a home equity loan. I told them that I did n't want to receive these sales calls, but they keep calling anyway.

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