milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-03-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NC).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: On XX/XX/XXXX I requested a credit limit increase online with my XXXX credit card. After my online request I called the XXXX number and spoke to a representative. I asked why they needed to review my account and the limit increase would take 7-10 days, she informed me that she did n't know. I told her that if I was n't going to get an increase there was no point in keeping the card open. The representative asked me if I wanted her to close the account. I told her if I did n't get the increase then yes. She then told me again that she did n't have that information and asked if I wanted to wait to close the account until I got the letter in the mail and I said yes. She then restated, so you do n't want me to close the account, and I said no I am going to wait for the letter. On XX/XX/XXXX I got an alert from my credit monitoring company that told me the account was closed. I immediately called and spoke to a supervisor who told me that the rep I spoke to on XX/XX/XXXX closed my account and in her notes it said I requested the account to be closed. He stated that he could dispute it and that they would review the phone call to prove I did n't close the account and reopen it. I called back on XX/XX/XXXX to check the status of the dispute. I was told that they could not pull the call and reopen my card that the first supervisor was wrong and suggested I reapply. I informed them that I did n't want an inquiry on my credit report nor did I want to lose the 2 1/2 year history I had with my account. The supervisor told me oh well there 's nothing else he can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I contacted Equifax few weeks ago and told them that the information that is on my credit report as public record is effecting me. I was tryi ng to get a student loan for my son for school. The public record they put only shows up in Equifax not the others I called the district court house to find out what was going on. They are looking for someone who has the same name as me but as they brought up who the person was married to and their kids and my social security number doesnt match up with their profile I asked them if they reported this they said not on your social security number .. so I contacted Equifax few weeks ago ( 4to5 ) weeks and it 's still there.. I want to removed because I would like to buy a house.. in the next 2 years or so. They asked if i ever lived in XXXX XXXX, or had a house there. I said no never had a house there .. I only had a mobile trailer home ..

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2016 about Payday loan () with High Point Asset Inc (CA).
Issue: Charged fees or interest I didn't expect

Complaint: This company has been calling me for the past month asking that I pay {$1100.00} between XXXX " Payday Loans ''. I have never seen these, nor did I take them out. I have only had XXXX Payday Loan that I 've taken out and had past due - I paid this in XXXX and have since contacted that collector for documentation. They advised I file a complaint with the FTC and DA. This new, fraudulent, company is asking for {$510.00} to pay the " original creditor : XXXX XXXX '' for a date of " XXXX/XXXX/XXXX ''. They also want {$640.00} to pay the " original creditor : XXXX XXXX '' for a date of " XXXX/XXXX/XXXX ''. This is FRAUDULENT. I do n't know these companies, nor did I take out what they say are these " Payday Loans ''. I 've had fraud on my identity and my bank accounts over the past few years, this now included. I want them to be looked into and to cease and desist so that they do n't try and con any other people!

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Google Compare Credit Cards Inc. (CT).
Issue: Other service problem

Complaint: I am unable to remove a stored XXXX credit card that I had on file with Google Payments Corp. for 2 cancelled subscriptions. Additionally, I am unable to close my Google Payments Profile. All Google 's website links are circular taking me back to the same location indicating I can not close my payments profile or remove my credit card. I cancelled my subscriptions to XXXX XXXX and XXXX XXXX on XXXX XXXX 2017. I have tried for 3 days to call and email Google Payments with no results. Google Payments Corp. is licensed as a Money Transmitter in my state of Connecticut. Representatives from XXXX XXXX XXXX, XXXX XXXX and Google Payments told me that I must maintain a credit card on file even if I am no longer subscribing to any paid services, that I can not remove my XXXX  until I replace it with another card, and to purchase a prepaid card. Additionally, my XXXX XXXX subscription was a " free trial '' subscription and the XXXX XXXX rep indicated due to " audit & compliance '' they must maintain my credit card on file but that it is encrypted and in cold storage. The screen prints below do not appear to support his assertion.This is unacceptable. 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 04/25/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In early   XXXX   I signed an agreement  with AES for a Rehabilitation program in which the terms clearly state that upon completion of 9 months of repayments my loans will be eligible for rehabilitation. Right on the agreement it states that one of the benefits will be that AES negative reporting will be deleted from my credit report. Here we are 4 years later and they have n't held up their end of the agreement and continue to illegally breach the agreement reporting the negative marks for these loans which continues to ruin my financial well being. Attached are the original agreement, the confirmation letter that I successfully completed the rehabilitation, and a recent copy of my credit report showing the section of the illegal reporting of 6 student loans in the rehab program.

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: We hired a company called XXXX XXXX to repair our credit. We stopped with that company in late XX/XX/XXXX or early XX/XX/XXXX. I called equifax in early XXXX and told them that I am not disputing anything on the credit report and they said they would remove it. They have not removed it. I kept calling and calling repeatedly todayXX/XX/XXXX to their XXXX number and pushed the option to speak to a representative about personal credit info. Every single time it transfers me and then rings busy. When our mortgage broker pulls our credit report it still shows and reinvestigation in progress. This is inaccurate info. They told me when I talked to them they would remove it. The lender will not close the loan until they get a report that does n't show anything being disputed. I have personally talked to the creditors in which the report shows a dispute with and they have sent me documentation showing that nothing is being disputed but the lender has to see it on the credit report. The fact that equifax is not answering is deeply frustrating. I ca n't get a hold of them and need the disputes with XXXX off my credit report Sincerely Frustrated

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Trans Union is not responding to any of my requests to investigate and remove accounts from my credit report that do not belong to 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 03/20/2017 about Prepaid card (General purpose card) with CITIBANK, N.A. (FL).
Issue: Managing, opening, or closing account

Complaint: I received a pre-paid VISA from XXXX which was issued by CITI Group in the amount of {$150.00} in XXXX. It had an expiration date of XX/XX/XXXX. A copy of the card is attached. I misplaced the card and I did not use the card by that date. I found the card in XX/XX/XXXX. I asked XXXX to issue me another one - they told me I had to talk to CITI. I called CITI XX/XX/XXXX and they told me that the card was no longer valid and that they could not issue me another one, nor could they give me any money - they said that the card showed a zero balance due to it having not been used by the prescribed use-by date of XX/XX/XXXX. 

Now fast forward - I read somewhere that what CITI told me was not correct. I called CITI again on XX/XX/XXXX and this time they told me that the card did in fact have a balance of {$120.00} - I asked them why it only had a balance of {$120.00} and they told me that it was being surcharged {$3.00} per month for being dormant. I asked them to give me the {$120.00} - in some form or fashion - either a check, reactivate the card or issue a new card. CITI told me that they could not return the money to me - that is a pretty good trick - The money is there and they get to keep it until they surcharge it down to nothing even though I have asked for the money or another card. This seems like a dirty rotten way to do business - and I hope that you can do something about this. Again, when I talked to CITI in XX/XX/XXXX they told me one thing and then in XX/XX/XXXX they told me something else. Also, when I called on XX/XX/XXXX the person that I spoke with ( XXXX - no last name ... - in the XXXX ) would not allow me to speak with anyone else even though I asked for a supervisor. I told her that I was going to file a complaint - at that point she put me on hold for probably 7 or 8 minutes and when she came back she wanted my cell phone number and she told me that someone would call me to speak with me. I gave her my cell phone number but I have not had any call from CITI regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Student loan (Federal student loan servicing) with GREAT LAKES (MA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: i have been applying for income driven repayment for almost five years. the application is either lost or they claim they need additional info from me when i have sent it multiple times throughout differing means ( Postal sevice fax and email ). they are continuing to charge me interest and will not defer the loan when i have financial issues. They al ; lso ask for every piece of information to validate the account when they are not required to. I have spoken with 4 reps today two were supervisors and all refused to help even tho i have provided them with 3 pieces of personal information to authenticate the account. I just want an income driven repayment plan and to have my bill lowered please assist. as i am getting nowehre calling them

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have called numerous times to lower my almost {$300.00} a month student loan payment.. due to it being a " private loan '' they could not offer me a different repayment plan. Nor could I put this into forbearance. My husband does not have an income at the moment, and still nothing basically either pay it or they will continue racking up the late fees. This loan was for XXXX XXXX XXXX in XXXX tx

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2015 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Unable to get my credit report from Equifax via XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I XXXX XXXX hereby file this complaint against a medical debt collector that is not abiding to the Consumer Financial Protection Bureau mandate and settlement with Experian, XXXX and XXXX XXXX respectively. The attached medical collections were instantly filed by XXXX, XXXX, XXXX XXXX XXXX, a law firm located in the state of New York that specializes in medical debt collections. By this attached mandate, the medical debt collection process is supposed to operate as follows : 1 ) The consumer is to be billed by the medical collector, giving a 30-day time frame to pay the medical invoice directly, or to ensure that his/her medical insurance provider is to satisfy the claim in question. 2 ) If the claim is not satisfied by these criteria, the debt can be assigned to a medical debt collector.
3 ) The medical debt collector must submit a 180-day notice that if the medical debt ( s ) are not satisfied, either through medical insurance or directly from the consumer, then the medical debt collector has the right report any or all collections previously ordered paid. In the events of the aforementioned law center, none of the mentioned methods were used, and my credit was tarnished through the violations against me of the CFPB mandate and settlement with the major credit bureaus, but these collection violations are connected to my rights under the Fair Debt Collection Practices Act. My understanding is that there are currently multiple complaints against the law center of XXXX XXXX XXXX XXXX XXXX for a continuous illegal collection practice ( s ) against consumers without any consideration of the law. An additional complaint will be filed with the state of New York Office of Attorney General through my attorney in due course if the CFPB can not rectify this serious series of violations. My information and all aspects of previous collection postings with all pertinent credit reporting agencies must be purged immediately, and the CFPB must file an additional investigative process with the Federal Trade Commission to sanction the law center of XXXX XXXX XXXX XXXX XXXX along with a permanent injunction against same from this continuous abusive practice.

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 11-07-2017 about Debt collection (Payday loan debt) with Amscot Corporation (FL).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: Repeatedly contacted me and my employer about a debt that I incurred due to the hurricane cutting off my earning potential.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (WA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage raised my monthly payment. XXXX furnished a statement on XXXX/XXXX/2015 showing an interest rate of 2.625 % and a notation that the Interest Rate is good until XXXX/XXXX/2015. Then the following month they sent another statement dated XXXX/XXXX/2015 that raised my interest rate to 2.75 % and a notation that the Interest Rate was good until XXXX/XXXX/2015 and increased my payment from {$1400.00} per month to {$2500.00} per month. 
I called the loan servicer to let them know of the error and they told me to disregard the XXXX/XXXX/2015 and to make the payment {$2500.00}. I told them they were the one that generated the statement and they said to again disregard the XXXX/XXXX/2015. They did not want to help in this matter and again, just stated to disregard the XXXX/XXXX/2015 and make the new payment. I feel that Nationstar Mortgage should be consistent in their notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Debt collection (Other debt) with Convergent Resources, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On  XXXX / XXXX /  XXXX   I received a collection notice in the mail stating I owed the sum of  XXXX  to  XXXX   XXXX  and they,  Convergent Outsourcing Inc. , were a debt collector trying to recup this amount. This is the first time I have seen a notice like this and I have never had  XXXX   XXXX  service/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 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX 2017 I recieved an alert from my XXXX credit monitoring service stating that my credit score was dropped because my Finance company XXXX XXXX XXXX XXXX stated that my payment was 30 days late. I am furious!! Because as of today my account is 26 days past due, as my payments are due on the XXXX of every month. There has never been any new agreements or signed contracts stating that the due dates have been changed, Therefore this company has in accuratly reported late payments to the credit reporting agency and has damaged my credit rating!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Diversified Consultants has reported a collection on my credit report. The collection was previously reported on my credit report by a company called XXXX XXXX. I reported this account to the XXXX County Sheriffs office and filed a police report. 

I provided the police report to XXXX XXXX and the credit bureaus and the account was removed from my credit report. Diversified Consultants has never contacted me, or sent me the required documentation according to the law and they are in violation of the FCRA and the FDCPA for reporting this fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EXETER FINANCE CORP. (AL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have refinanced my auto loan from exerter finance in the amount of XXXX and it 's still showing on my credit report. I have refinanced the vehicle through XXXX in order to get a lower interest rate in the amount of XXXX and with this taking place it has lowered my credit store drastically of about 100 points because it 's saying I have roughly XXXX in auto loans which is not true because I just refinanced and I was wanting to know how to fix this and get my credit score back to what it was

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (PA).
Issue: Loan modification,collection,foreclosure

Complaint: Working on an FHA short sale with Ditech - Ditech has a complete package yet has failed to process the short sale request. XXXX is the short sale negotiator and XXXX XXXX is his supervisor.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Credit decision / Underwriting

Complaint: Back in XXXX when I first purchased my current home, I had a 5 year ARM XXXX and XXXX XXXX. After the interest rates came down, I refinanced the fist loan in XXXX to a conventional 30 year loan at 5.153 % interest per the TILA attached. The payment was supposed to be {$2100.00} for 84 months beginning on XXXX/XXXX/XXXX and then subsequent payments of $ {$2000.00} for 276 months starting on XXXX/XXXX/XXXX. Bank of America is the bank behind this. Despite several requests to Bank of America to refinance the XXXX adjustable rate loan, my requests to refinance both loans into XXXX have gone ignored. Nobody at Bank of America has been willing to go to their investor and agree to refinance the loan. 

Now, working on my taxes for the year I decided to look at my TILA from XXXX and my current mortgage statement and as can be seen the payment is {$2100.00} which is nowhere near the {$2000.00} that I was supposed to have started paying back in XXXX of XXXX. Moreover doing a straight amortization, my balance should be {$320000.00} instead of the {$340000.00} balance shown on my XXXX XXXX, XXXX statement that I have also attached. So, essentially, there is {$17000.00} unaccounted for. And, upon questioning Bank of American to explain themselves for this discrepancy, again, my phone call hve gone unanswered and thus the reason I am coming to you for some assistance.

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 11-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have informed Tranunion that the following addresses are not mine or never was mine : XXXX XXXX and XXXX Please have these addresses removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Credit Report suddenly shows 10 student loan accounts passed due 90 days. I am still in school and have not received any request to pay on these loans. My loans are not due yet. I need these removed from my credit report as late payments immediately. 
I have not received any correspondence requesting payment. My address is till current. I am currently enrolled in school.

Company response to consumer: Closed with non-monetary relief