milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2015 about Mortgage (Home equity loan or line of credit) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: This company, Spring Leaf, formerly called American General showed up on my credit report as owing them XXXX. This company kicked me out of my house at XXXX XXXX XXXX XXXX an sold the house XXXX, than the manager called and said I qualified to a medication, a government HARP loan. they had already sold the I had a XXXX ( documented ) because of their behavior I spent XXXX days in the hospital because of them, this behavior violated my 4th amendment rights to the constitution against illegal search and seizure and my 5th amendment right to the constitutional they paid no compensation during the economical melt down

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Customer service / Customer relations

Complaint: Recently I contacted my credit card Capital One to find out how much the minimum amount was due for payment and was told that {$120.00} would suffice. Once I paid the bill a few weeks later I had a family emergency where my dogs XXXX was XXXX and we raced to the hospital to tend to him. At the time I needed gas so that I could return back with the family and I had my sister and my XXXX mother in the car with me. Over the internet the credit card indicated that I had monies available. To our shock and surprise, the card was declined because I later found out that there was a hold on the credit card. I can not explain the weight of how embarrassed and mortified I was in front of my family and the gas station attendant. Why would the Capital One website indicate that monies were available? To add insult to injury, the customer service representatives were clearly unfazed by my plea and situation. They were rude, unprofessional, abrupt and quickly disconnected the call. Prior to the disconnect, I was also told that I had to pay an additional {$75.00} with no explanation. At this point, the responses I received were callus, rude and abrupt. No one ever explained where this amount came from however when I checked back and got a supervisor I was told that I did n't owe {$75.00} because the money was waived for some odd reason. I am still unaware why I was charged initially and why it was waived. Maybe it waived due to the cruel and horrible treatment I received. To date, I needed the monies for food for my family since the amount available had changed from gas money to {$59.00} being available. Realizing that this company communicates one thing and is not always forthcoming, I decided to contact them before I embarrass myself it I used the card and it was declined. Now I am being told that I need to pay {$24.00} because when I previously paid {$120.00} I needed to pay {$140.00}. Why was n't this information made available to me previously? Why was I charged {$75.00} and then it was waived? Why does it say that I have available credit over the internet and phone line when the card has a freeze/hold on it? This company is unethical, unprofessional and constantly misinforming me regarding my bill. I have no idea what is going on and they need to stop. What 's in my wallet is nothing because I am constantly being mislead by a heartless company that refuses to make any exceptions to life 's situations.

Company response to consumer: Closed with explanation
Consumer complaint received 03-02-2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NV).
Issue: Account opening, closing, or management

Complaint: I opened a promotional account with Citi bank ... ..After meeting all their requirements ... ... They are denying me of my rightful bonus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 02/14/2017 about Credit reporting () with EQUIFAX, INC. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I send a certified letter with return receipt. The bureau received and signed when l disputed XXXX I did n't recall having an account with them. After disputing the credit bureaus send me a letter saying the file was updated. I then send a letter requesting a copy of any documents in their file that was used to verify the accuracy of the account in dispute. I also demanded that the account be properly verified or removed. They never send me any documents. So I contacted XXXX then received a document from XXXX showing a paper that had dates of XX/XX/XXXX XXXX clearly I did n't know of this debt but they still are reporting it and its well passed the statue of limitations. Also re aging debt is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: When I received my credit reports. The information was reported charged off when actually I paid the account in full and received the title. Also I took a title loan years after it was paid off and the car was totaled the insurance company paid the Balance off and sent me the difference. This company reported it. As being repossessed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Mortgage (FHA mortgage) with PLAZA HOME MORTGAGE, INC. (IL).
Issue: Trouble during payment process

Complaint: I sent money to the escrow account that was not applied to it and as a consequence of that my mortgage payment increased. The check clearly indicated that such should of been applied to my escrow account. The servicer in question is Plaza Home Mortgage. I am sending you a copy of the cancelled checks and print out of payment/escrow history. As you can see such payments were not applied.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: unable to verify me. I have not had any credit cards in at least five years and my mortgage is an individual, not reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-05-2016 about Credit reporting () with Experian Information Solutions Inc. (MO).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian lists erroneous, highly damaging, information regarding XXXX accounts with XXXX XXXX. I made contact with XXXX via telephone to get the account information for farther investigation some months and they do not know it. I then requested online that Experian validate the debt. They did not provide proof the debt is correct in any way. I would like this information immediately expunged from my credit report.

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 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NV).
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: This will be my 2nd request for an accurate update and to no avail has it been corrected on my credit report, nor updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Navient is impossible to contact, and very difficult to work with. Also, they constantly send me marketing materials trying to sell me stuff under the name XXXX. If I block those emails, then it blocks emails I need. This company is dreadful and I am fed-up with them. When I call, their automated system hangs up on me and it takes 4 or more tries to get in a cue that then takes another 45 minutes wait time to speak with someone. When I get someone, it is typically the wrong someone, with a bad connection, in XXXX, and I can not understand what they are saying. Disconnect and try again. I have spent countless hours trying to reach them to not get simple problems resolved. They 've already made one mistake and hurt my credit - which cost me on a mortgage loan that affects me for 30 years. I 'm sick of this company. I never signed on with them, but my loan was sold to them and now I have to spend way too much time dealing with a bunch of amateurs and not getting my problem solved. I previously submitted a complaint and they never contacted me. They did respond to the CFPB, claiming that they were unable to reach me, which is patently false. This just reinforced my suspicions above - this is not an organization that is interested in actually getting anything meaningful accomplished - they are a bunch of amateurs that are wandering aimlessly and randomly picking individuals to make their lives difficult. I DO NOT WANT TO DO BUSINESS WITH THIS ORGANIZATION ANY LONGER and I hope that the CFPB can offer a way out and recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Student loan (Non-federal student loan) with AES/PHEAA (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I have the following issues with AES, the servicer of the student loans : 1 ) AES failed to provide information about how I, as the co-signer, could be removed from the loan and when questioned, I was told that I no longer qualified because the primary borrower had failed to meet the requirement of making XXXX on-time payments due a hardship forbearance he received. I was not told if I was barred for the life of the loan or if there was a reset period. 2 ) Also, AES failed to provide the information about how the account could be rehabilitated and negative reporting removed. They were not able to provide me with a contact that could provide this information. I was told to call the lender, National Collegiate Trust, who then told me these decisions were made by AES. 3 ) In addition, despite me filing fraud claim with AES against the primary borrower regarding these loans, AES reported a 30-day delinquency on my credit report. 4 ) Finally, the delinquent account was turned over to a collection agency by AES, but I never received any written correspondence from the collection agency prior to the delinquency being reported to the credit bureau because the collection agency was given an outdated address. My account is set for me to receive paper correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Service Bureau, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: RE : Service Bureau Inc. 
XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX They refused and failed to Acknowledge if they are bonded TX SOS. 

They state the FDCPA does not require them to provide an original, certified or attested " copy '' of the document creating the debt, copy of document authorizing them to collect debt, or copy of surety bond. They refused to provide requested documentation as requested in a Texas Debt Validation letter. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian has locked me out of on line disputes. The only explanation I get that an account number associated with my social security number is verified as my account. I have sent court documents that verifies that this mortgage loan belongs to XXXX. I have never had or filled any paperwork for an individual account with XXXX XXXX. It has been 6 1/2 years and I have disputed it since this company started reporting erroneous information on my Experian Credit Report. My last document the end of XXXX is a District Court document showing case information, cause number, defendants, when it was filed the docket type, ( several defendants due Texas laws that if a person dies without a will property will be divided between children and spouse. ), case history by date, and an agreement that case is disposed due to estate has no value. It is unbelievable that the credit agency that destroys the ability to get a job, car, or home will take information from some company or person that could realize or not know the major impact erroneous negative reporting does to families. For me how does a company override court documents that clearly identifies that XXXX XXXX has not owned or a part of this mortgage loan since XXXX/XXXX/2013. That the case has an agreement and the estate has no value and it is disposed. If someone could let me the details of how a company can report when they are not involved and how they can report since there is an agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Debt collection (Federal student loan) with STUDENT ASSISTANCE FOUNDATION (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Unfair tactics used by student loan collection agencies creating confusion for repayment of student loans. 
After completing my masters program in XXXX, I began making payments to a " XXXX XXXX XXXX At some point in XXXX ( or later, it 's very unclear ) another collections agency SAF-XXXX was also trying to collect on the same student loan. Although SAF-XXXX said they tried to contact me via mail it would have been difficult to contact me due to the fact that my working location has been in XXXX from XXXX XXXX until XXXX XXXX. Also, I was already making student loan payments to " XXXX XXXX '', so there was no way to know or expect a change in who my student loan payment should be made to or that I needed to make payments to XXXX different agencies. It was a complete surprise to me when I went to consolidate the loan with XXXX in early XXXX and after reviewing my credit report, I found XXXX XXXX XXXX XXXX separate negative entries from SAFXXXX. After making a few calls to SAFXXXX to investigate why there were XXXX separate negative entries on my credit report, I found out some, all or whatever part of my student loan ( s ) was transfered to SAFXXXX for whatever reason, it was really unclear. Furthermore, I did not understand why there are XXXX separate entries on my credit reports for the student loan when I am only making one ( 1 ) payment to XXXX company. I only found out about the negative reporting after making a call directly to SAF-XXXX offices in XXXX to investigate as to why SAF-XXXX was reporting negative credit information on my credit reports. Again at that point in time and after talking to the SAF SAFXXXX representative I found that SAFXXXX did not have my correct phone number. I also asked why an email was not sent to my long standing XXXX XXXX account and I was told you do not use email as a means of communication. Because of the above mention items, there was no way for me to know that the loan transfered to another collection agency. 
It is very confusing to the payee/student when you are making payments to XXXX collection agency and for some reason there is a change to or request from another company to also pay them. Also I do not know why I would have several negative credit entries on my credit reports when I am paying XXXX loan payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/16/2018 about Debt collection (I do not know) with Diversified Consultants, Inc. (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have contacted this company and requested verification and validation of debt per my right under the FDCPA section 809 a and b. This company refuses to provide to me. I also do not believe they are bonded to collect in my state. This is not my debt and please consider this your direct dispute. I will take all actions to protect my rights even if that means filing a civil suit against you and your client. I will seek actual and statutory damages. This account also needs to be update with all 3 bureaus that its in dispute per the FCRA! Last four of my ssn are XXXX and my date of birth is XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/17/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I went to Annualcreditreport.com and requested my credit report from Equifax and got a respose that required me to submit my Drivers License, Social Security Card a Utility Bill and the request. I did that and got a response of you have already received your annual report, which I have n't, and have n't been able to get for 2 years now. When they mailed the response to me my middle initial is also incorrect. Also you ca n't contact them directly and without a report number you ca n't contact them online either.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MS).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I had all of my student loans consolidated in XX/XX/XXXX, but XXXX XXXX XXXX keep reporting my loans as120 days past due. These loans were opened between XX/XX/XXXX and XX/XX/XXXX.This is adversely affecting my credit score. I respectfully ask that all loans older than 5 years be removed from my credit report.

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 03-04-2017 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Late payments being reported by XXXX are not accurately reported. There are discrepancies varying from each of my credit reports to the next, they are not even reporting the same late months and years as the other. And there is no way that it 's possible to be late for a payment ( s ) on my account but not actually late that same month and year with the same account, as listed on alternating credit reports. The dates listed as late for 30, 90, or 120 days late are not correct. On XXXX credit report it 's only listed as XXXX times late while the other listed as XXXX times reported late etc.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  Inquires on  XXXX / XXXX / 16  and  XXXX / XXXX /   16  This inquiry was performed under false pretenses as described in the clear language of th e 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. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2018 about Debt collection (Auto debt) with FC HoldCo LLC (AZ).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: I'm XX/XX/XXXX an employee of XXXX XXXX XXXX called and text co -workers (more than one) of mine inquiring information about my husband and I for the personal gain of reposessing the car (a car loan currently being serviced by XXXX).  We fell on hard times with one income like many consumers and we were trying to work arrangements with XXXX XXXX   XXXX but that does NOT give the right for any employee of a Collection Company /XXXX to allow employees to contact un-authorized 3rd parties for gain. The Collector at XXXX XXXX XXXX disclosed how far past due our account was, disclosed it was out for Repo and she was actively looking for it to reposess it because "that's what I do now Repo Only" . She discussed a private conversation my husband had with a Supervisor at XXXX when he called to make a compalint aboutbthe matter that occured on XX/XX/XXXX. This Collector was bosting as if she was proud. As if tbis was "normal repo practice for Collectors at XXXX ".  She asked where I worked, if my Car was parked outside (referring to.my place of employment),  she asked what my husband and I drive. We immediately advised XXXX of this as soon as it occurred on XX/XX/XXXX. They have not offered anything to help us with the humiliation, pain and suffering this has caused our entire family.  Instead we were told by there legal.counsel that our account WILL go back on the dialer as of XX/XX/XXXX. This is unfair and against our rights as consumers.

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 10/25/2017 about Debt collection (I do not know) with I.C. System, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX I faxed a cease and desist letter to i c system @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against i c system. I requested that i c system send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from i c system and they failed to do so. There is XXXX accounts that this collection agency is harassing me about REF # XXXX. 

Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. 

I need signed documentation with my signature on 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