milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2017 about Debt collection (Credit card debt) with DISCOVER BANK (NC).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: We opened an account with the company in  XXXX . After a few years of using the credit card we destroyed the card and no longer used it. The amount charged on this card was approximately {$6500.00}. We paid on this card for almost thirty years and as of today, they are still saying we owe them money. I do not see how this could be possible. I later received a notice from them about this ( sometime in  XXXX  ) and agreed to pay  XXXX  per month ( with all to be applied to principal ), which we did. In  XXXX , I received my last statement from them and assumed the debt had been paid in full. Much to my surprise in  XXXX , they had turned the account over to an attorney for collection. Each month they would add on a fee for about {$45.00} or {$50.00} for some type of insurance. We did not agree to this being added to the account and they were told to remove this from the account. Bottom line is they say we owe them a substantial amount of money that we do not agree with as there have been no transactions whatsoever on this account in years.

Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: filed a dispute an never got anything in the mail or email

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 08/15/2017 about Debt collection (Other debt) with The CMI Group, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Company appeared on my credit X/XX/2017. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never had a XXXX account and I have no knowledge of this account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Specialized Loan Servicing LLC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I HAVE TRIED SEVERAL TIMES AND SENT IN COMPLAINTS AND FAX IN REGARDS TO ID THEFT THAT OCCURED ON MY ACCOUNT. I LOST MY PURSE. IT WAS REPORTED TO XXXX COUNTY SHERIFF AND XXXX XXXX POLICE DEPT. THEY BASICALLY TOLD ME THERE WAS NOTHING THEY COULD DO. I WENT IN TO GET CAR FINANCING TO FIND MANY ERRENOUS ACCOUNTS ON MY CREDIT REPORT DUE TO IDENTITY THEFT THAT I HAD NO IDEA EVEN EXISTED. PLEASE CONTACT THE 3 BUREAUS ABOUT THIS MATTER SO I CAN RESOLVE OUTSIDE OF CIVIL COURT. I HAVE ASKED FOR MY REPORT TO BE CLEARED OF THESE COLLECTIONS AND FOR THESE ACCOUNTS TO BE UPDATED MY IDENTITY WAS STOLEN BACK INXX/XX/2005AND I'VE BEEN BATTLING THIS FOR YEARS. WHY AM I BATTLING WITH THE CREDIT BUREAUS WHEN THEY ARE HERE TO PROTECT THE CONSUMER. I ASKED FOR A FRAUD ALERT TO BE PLACED ON MY ACCOUNT. AND THE FOLLOWING ACCOUNTS REMOVED. 

THESE FORMS HAVE BEEN SENT VIA FAX AND THEY SAY WE NEVER RECEIVED THEM. HOPEFULL THEY'RE RECEIVED FINALLY!! 

XXXX XXXX BANK XXXX XXXX XXXX  ACC NUMBER XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX AT THIS TIME I HAD INSURANCE THIS WASNT ME AND IT NEVER WENT THROUGH MY INSURANCE XXXX XXXX/ XXXX XXXX Account Number : XXXX CREDIT INQUIRIES COMPLETE DEPARTMENT STORES, XXXX  XXXX BANK XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/16/2017 about Vehicle loan or lease (Lease) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint: I entered into a lease contract with Chrysler Capital in  XX/XX/XXXX  I was unhappy with the vehicle and wanted to trade it in. I went to   XXXX   XXXX   and negotiated with the salesman for the purchase of a   XXXX   XXXX  . In one part of the negotiation he agreed to pay off the lease if I would put {$3000.00} down on the  XXXX . I advised him that I did not want to put {$3000.00} down on the  XXXX  because I was going to be purchasing a house soon. He came back with a deal where I did not have to put anything down on the  XXXX  but I would need to pay off my lease and they would give me {$1000.00}. I accepted the deal. He advised me to wait two weeks before calling to pay off the Chrysler. This would be after the 5 day " cooling off '' period that the dealership advertised.
When I called Chrysler Capital to end my lease they informed me that I would need to pay almost {$1000.00} in early termination fees and the vehicle would be sold at auction and I would be responsible for the negative equity. Of course, I declined and ended up with two vehicle payments and insurance fees.
In   XXXX   I entered opened escrow to purchase a house. Because I had two vehicles I was unable to qualify for a lower interest rate without having to buy down the rate. At the lender 's request, I paid off the balance on the lease. To improve my situation I attempted to trade in the Chrysler and the   XXXX   to   XXXX   XXXX   however they were unwilling to assist me.
Due to the salesman 's deceit I had to pay off my lease early yet can not turn in the vehicle early without incurring exorbitant fees, I had to pay {$7000.00} in closing costs for the mortgage because I could not qualify to add the fees to the mortgage because I had two vehicle on my credit. If the salesman had been honest with me I would either have negotiated a different deal for the  XXXX  or I would have walked away from it completely. His deceptive tactics have caused me irreparable financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with STERLING JEWELERS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I was told by jared-gallery of jewelry. If I paid it off they would remove form my credit report. I paid in full and its still there. I have made many calls to them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have been faithfully been paying {$220.00} toward my private student loan of {$35000.00} and Navient turned around called me today and increased my payment to {$480.00}. I asked them about doing some type of repayment plan with a less amount for a longer period and they said it was nothing they could do about it. I am a single mother of XXXX children ( XXXX ) which I can hardly buy food or pay rent in the XXXX bedroom aprtment we live in now. I am a XXXX and work night shifts and it is affecting my health, rushing home to get my children up, fed and ready for school. I ca n't even go over homework with them and they fall behind due to my schedule trying to make money to pay back all this school debt which is {$150000.00}. I need help and nobody can seem to provide relief for me. It 's not fair to my children that I can not be there for them. I went to XXXX University and graduated and successfully have a career in XXXX as an XXXX but XXXX knows if I could pay all this school loan debt I would but this is taxing on my life, my children, and my health. I need HELP! If you can provide me with help or someone to contact please call me XXXX I ca n't take this anymore. My Aunt cosigned for me to get this loan so that I could continue my education to become a XXXX and I do n't want to let her down by going in default. Please, please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NJ).
Issue: Trouble during payment process

Complaint: My husband and I have a 2nd home condo mortgage with Ditech. 
the mortgage was an ARM mortgage that changed in XXXX XXXX and became 6.625 % fixed mortgage. 
We were solicited by Ditech to refinance. 
My husband started discussing this with an agent in XXXX XXXX. 
Ditech stopped my paper statements in XXXX XXXX. 
I had the mortgage payment automatically set up with my bank and continued to pay my monthly payment on time to Ditech. 
I realized that my payment had changed and that I was not getting paper statements in XXXX XXXX. 
During this time we found out that Ditech stopped applying my payment and instead listed it as " funds in suspense '' Ditech reported our mortgage as being late to the credit monitor companies. 
On top of this, Ditech said our mortgage was an extra XXXX a mth, and that we were behind XXXX and they charged us a late payment. 

To this date my husband and I have ; 1 ) We stopped the refinance request because it looks like Ditech wanted to put us in a short sale and to do this they had to show we could n't make our mthly payment. 
2 ) Requested to have paper statements sent to us again so we could see how they were applying our money to the mortgage 3 ) We have paid the extra XXXX for 2 of the 4 mths we are behind. the next two will be paid this mouth.
4 ) We paid a late fee of XXXX XXXX ) We paid an escrow shortage of XXXX we were billed for during this time. 
6 ) We asked Ditech to take away the report to the credit monitoring companies that show we were late on our mortgage and they would n't do this for us.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2015 about Credit card () with CITIBANK, N.A. (MI).
Issue: Delinquent account

Complaint: I have XXXX citibank credit cards. My simplicity account payment due on XXXX/XXXX/2015 was not made. Citi collection has been calling me every single day from XXXX/XXXX/2015 including XXXX XXXX holiday. I asked the representative if they are allowed to call on holidays. He said yes, I informed him on XXXX separate occasions I requested no phones calls, that all communication was to be done via email or USPS for accuracy purposes and due to the fact I care for my XXXX year old Mother who is very fragile with XXXX, XXXX. However, Citi has refused to honor my request. Further, they have lied to me on every phone call about their right to call me and more disturbing in the abusive and argumentative conversation from a CitiBank Representative on the XXXX XXXX phone call which took place at XXXX. I STRONGLY SUGGEST SOMEONE get a copy of that recording. I do not need that type of argumentative conversation to take place in front of family members and my mother. The call was witnessed by at least XXXX people since I had it on " SPEAKER '' I asked each person to write down what they heard so I had some sort of documentation while information was fresh in their minds. I fully intend to file a lawsuit as I do have a law background. I would hope the CFPB follows up in some assertive way as I also run a Political website ( XXXX ) currently under re-construction so can can handle the heavier than expected traffic. However, from the feedback through XXXX I can tell you this is NOT an isolated issue and I can also inform the CFPB at this point most consumers feel the CFPB is more of a " PONY and HORSE '' show. I continue to be hope-full actual progress is made and the CFPB turns out to be what over XXXX XXXX American consumers hope it will. Update, Citi Bank called XXXX today ( Sunday XXXX ) and its not even noon yet ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-06-2017 about Prepaid card (Gift or merchant card) with U.S. BANCORP (MD).
Issue: Unauthorized transactions/trans. issues

Complaint: I bought XXXX XXXX gift cards issued by U.S. Bank at XXXX on XXXX/XXXX/2016. When i attempted to use them, i got error " not authorized ''. When I called number listed on cards for customer service XXXX i discovered that cards were registered with someone else name. That means they were stolen from me. 
I was advised to fax supporting documentation ( cards front and back, receipt etc. ) to Stolen Replacement Card Request at fax number XXXX. I tried multiple times to fax documents to that number. The fax never picked up and i was not able to fax my documents. I called customer service 3 more times. I asked for a different number, email address or physical mailing address. I was told that 1. there is no mailing address, 2. there is no email address and 3. XXXX fax number is the only way to send information to card services. I am not able to send that information because the fax number that they gave me is not working.

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 03-08-2018 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Trouble during payment process

Complaint: Bank of America is trying to intimidate with their fraudulent tactics after I signed and agreement no 2015 cornered by their lawsuit against the house ( foreclosure ) I signed before that I always was in loan modifications but I didn't signed meaning I made the 3 payments but never signed the papers.. becouse mostly the agreement was for the company not for me at all on 2015 the balance was {$360000.00} that was lawyers payments and all the charges they made ( madeup ) the house wad listed for {$140000.00} but it eas ok I didn't end up homeless with my family they have me signed paper that up to now i don't understand becouse the are charging everything sinse a got their affordable work out wich was never affordable becouse the explained to me that after1 year they will be adjusted not a loan modifications but a different way to help me I'm in disability the know my income is fix most of the time. The firts months of the work out they claimed I own them. Money again after thw workout. First they said it was escrow now they claimed is becouse they are paying again THEIR LAWYERS. I don't understand but their lawyers send me many papers they claimed is the way their agreement is and I have to follow it {$5600.00} again every time i make a complaint their lawyers send me a hole bunch of papers mostly lies. But that's the way bank of America new way of changing people fraudulent tactics has to stop. Last time I make a complaint. They send me the police all this nonsense is making me sick my doctor agreed and everything is documented i will make this public I don't care about privacy becouse the got me all works out and I hope a lawyer see this and help 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 03-05-2016 about Debt collection (I do not know) with The CBE Group, Inc. (AL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They do not leave voice mail. If I pick up, they hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Experian and XXXX credit reporting agency removed an account off my credit report which caused my score to decrease this account should have never been deleted off my reports. The credit card company is XXXX this account is in excellent standing.

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 04-02-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Unauthorized charges were made to my Pay Pal Mastercard in XX/XX/XXXX. There were two charges to XXXX XXXX XXXX XXXX in the amounts of {$590.00} and {$730.00}. I immediately called the XXXX number on the card and let them know that I did not make those charges. About 10 days later the charges were removed. They sent me a new card. After a few more weeks, the site kept telling me I was due a refund of {$1300.00}, the amounts of the two charges. I called the XXXX number again and told them that those charges were already removed, and that I was not entitled to any more refunds. The agent we spoke to was very clear and said that the refund was to be sent to me, and that if I didn't want a check sent, they would credit my account. I told him I didn't want to be stuck having to pay this back if it was a mistake, but he reassured me that it was not a mistake and sent the check to me in the amount of {$920.00}, a smaller amount than the original, since I had already made other charges on my account. I received that check on XX/XX/XXXX and put it in the bank. On XX/XX/XXXX,  I noticed that my account showed two items listed as " Balance Transfer ( TB ) '', one in the amount of {$590.00} and the other for {$730.00}, the same amounts previously fraudulently charged to my account in XX/XX/XXXX. I called to inquire and was told that it was because I was not only credited by the original resort that charged me, that I was also refunded by Paypal, and that I could not have both. I told them what had happened when I called to inquire about the refund they insisted was due to me, and they said it was a mistake. It was not my mistake, it was their mistake, and now they are trying to make me repay over {$1300.00} that they insisted they owed me. Last week on Sunday, XX/XX/XXXX I disputed the new charges ( balance transfers, ) but have yet to hear from the credit card company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (I do not know) with RAB PERFORMANCE RECOVERIES, LLC (IN).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: A garnishment/hold has been issued on my bank account because my son is on the account. The debtor did not submit an court order to appear in court. The debtor was given automatic permission to seize my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NJ).
Issue: Other

Complaint: I was a victim of identity theft. Someone tried to apply for an Capital One card in my name. When I noticed the inquiry on my credit file I notified Capital One thru certified mail of this discrepancy. They ignored my request. It has been over XXXX days and they still refuse to remove this inquiry from my credit file. I have no open accounts with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with EOS Holdings, Inc. (IN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: After agreeing on a settlement, satisfied my end of the agreement. I returned the requested equipment to XXXX for the debt, and called XXXX and provided a receipt number. A couple weeks later, I called to get a letter saying I paid the debt, but they said they did not get a receipt number and I still owe money. They would not bother to look up the earlier notes, and said I have to dispute the debt. After making the agreements, they are refusing to honor their side. It still remains on my credit score with the balance on full.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I XXXX in XXXX and also started working for the XXXX and I was supposed to be in the forgiveness program. called again back in XXXX and was told after all the money ive given them even though I was supposed to be in the forgiveness program they never had me in it and after 10 years my loans would be paid off by me paying them! 
I work for the XXXX and my loans should have been forgiven after the appropriate years.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A XXXX card account was opened fraudulently in my name and I have been disputing this account for more than 3 years since I found out about it. The credit reporting agencies are not persistent in assisting me get this account removed. The company states that I opened because the info used to open it matches my location and description at the time it was opened, however the handwriting does not match and the area where the purchases were made is no where near the location I was residing. I just want my name removed from this company 's files and for my reports to reflect as such.

Company response to consumer: Closed with explanation