milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I have already sent in complaints to CFPB about the  XXXX  credit bureaus. I submitted proof of identity theft and what items should be blocked on my credit reports.   XXXX   took care of the situation immediately. However,  XXXX  and Experian has not. According to the law the items identified as products of identity theft were supposed to be blocked within 4 days. Instead, these companies are going through the normal dispute process and taking 30 days to do so.

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 05/16/2015 about Credit card () with U.S. BANCORP (CO).
Issue: Advertising and marketing

Complaint: I applied for and was approved for a XXXX XXXX XXXX card issued by US Bank. All the advertisements and information about the card stated I would be able to receive the last night of any point redemption on hotel rooms free. The materials I received with the actual card also stated this. Not one week after applying for the card that benefit was removed, and now a {$75.00} annual fee is being levied on my card. I feel like this was bait and switch through luring me to apply with specific benefits, and then immediately removing those promised benefits and still charging me for them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (I do not know) with ZWICKER & ASSOCIATES (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This is my place of business. The number being called is the main desk number that is answered by customer service representatives. Not once has my personal cell phone nor home phone be used to attempt to contact me regarding this matter. I have no idea who is calling -- they never leave a message once transferred to my direct line.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/19/2017 about Payday loan, title loan, or personal loan (Title loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I borrowed approximately {$2600.00} plus registration costs in XXXX XXXX. In XXXX XXXX, my car was vandalized and my insurance company paid off XXXX. They paid $ 3500+ to pay off the title loan. XXXX XXXX agreed to pay them in XXXX yet XXXX continued to charge fees and even charged me for the month of XXXX even though my insurance had already paid them. Now I have a bill that continues to accrue {$27.00} every time it 's late. Month over month and they refuse to explain why or how they came to the amount and the last phone call I had with them today XXXX, the guy could n't explain the calculations of {$11.00} per day accrued the amount they say I still owed. They were paid in full and refuse to update the file as such. This is the 2nd title loan I have had with them and I ca n't believe how they treat customers.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Mortgage (Conventional fixed mortgage) with Residential Credit Solutions, Inc. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I see that the CFPB has already fined Residential Credit Solutions ( RCS ) with a {$1.00} XXXX dollar fine for illegal mortgage service practices. It seems that RCS has committed the same practices on me. On XXXX/XXXX/2015, I received a letter from my previous mortgage loan company, Residential Credit Solutions, that I was NO longer required to pay Private Mortgage Insurance. Per a recorded conversation with them, it was confirmed that the PMI was cancelled on XXXX/XXXX/2015. However, I continued to be charged PMI in the form of Escrow. I faxed a copy of my complaint along with their original letter to RCS. I received a reply from RCS wth a confusing breakdown that they supplied. Their response as to why I was no longer required to pay PMI, but, NOW have to pay Escrow was not satisfactory, nor, reasonable. Months later, my loan was sold to XXXX. XXXX continues to charge the monthly escrow. I will attach documentation to support my claims with this complaint.

Company response to consumer: Closed
Consumer complaint received 09/25/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I disputed hard inquiries on my Equifax credit report on XX/XX/2016. There are a total of XXXX inquiries on that report. They claimed in less than 24 hours that all of them were factual inquiries. I do n't believe that they are and have disputed them several times. Each time I have disputed they tell me within 24 hrs that they are factual. I do n't see how they can physically verify XXXX hard inquiries within a 24hr time frame. I believe that all of the Credit Bureaus, XXXX, Equifax and XXXX just say that they are factual so they do n't have to delete them. I have contacted all of the creditors that have placed the inquiries on my reports and all have said that I need to contact the Credit Bureaus to have them removed. Have done this to yet still no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX. Also, by Experian Credit Reporting Agency and XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Experian aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the State of Texas with a P.O. Box as a debt collector. I am in need of another Investigation to remove them from my credit report please.

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 03/16/2018 about Vehicle loan or lease (Loan) with BANK OF THE WEST (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I have a Boat Loan with " Bank of the West '' .I have consistently paid my payments online, electronically through XXXX XXXX XXXX  since XX/XX/XXXX. I have never changed the method or the account from which I pay my monthly loan amount. In XXXX of XXXX they misapplied my scheduled monthly payment as additional principal. After weeks of threatening phone calls from them and collection letters they acknowledged their mistake. They advised it could take 10 days for them to clear up the mistake and in order for me to avoid them adversely reporting to the credit bureau I was advised to by them to make an extra payment. To avoid the hassles of clearing up the credit report dispute with them i made the extra payment and after they cleared up their mistake, they applied it to the following month. 

In XXXX of XXXX, I made my monthly payment as I always do, electonically through XXXX XXXX XXXX  to Bank of the West. This time, instead of misapplying my payment, they claim to have never received it. I have received threatening phone calls daily and I am now receiving mail. I always answer their calls and/or return their calls promptly. I have disputed their claim. I have provided them with a " Tracer '' number from XXXX XXXX. I have confirmed with XXXX XXXX that the payment was received by them and I continue to be threatened by them. 

The claims department from Bank of the West refuses to contact me and all my calls are intercepted by customer service who refuses to allow me to speak with anyone that can actually research the tracer number I am providing. All they do is state they will add my comment to their notes and someone will follow up. I never receive any follow up, just another collection call the following day.

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 11/30/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (UT).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: On XX/XX/XXXX I contacted XXXX about a letter I received as I have had a very difficult time repaying back my student loans. When I called my first option was that for 9 months I could pay around XXXX and then my payment jumps back up to {$570.00}. I then wanted to see about a pay off amount. I was quoted at about {$30000.00} due by XX/XX/XXXX. I would be given a 25 % discount on loans that were taken out illegally and also for loans that the interest is 5 times the principal. Principal should be around {$6000.00} each I have 2 loans or {$12000.00} total. In XX/XX/XXXX when I was repaying them I was promised I could use a credit card and pay any amount I wanted. I was going to pay off the loans then and be done but the lady that handled my case said that the csr never said that and I could only make the minimum with a credit card which was complete XXXX. What 's worse is XXXX is not very willing to work with me. I tried twice to get these loans discharged but XXXX was the one reviewing the discharge and denied it based on I had been unenrolled in school longer than 120 days and failing to ignore the special circumstances provision. Since XXXX XXXX was shut down due to illegal practices such as telling me these were federal and not Private loans and other things from other people.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Back in XXXX we requested help with a modification on our mortgage with Bank of America which is at XXXX %, they said they could n't help as we were " NOT '' behind on payments. We then missed a payment as my company was sold and I was out of work for a short amount of time. After months of us sending in all the requested paperwork and them " misplacing '' or " not '' receiving what they said they needed they finally gave us an offer for a modification, at a payment " HIGHER '' than what we were paying at that point. We declined immediately in XXXX, XXXX and have been in a fight with them since then as they have forced us into an escrow account which we never had before on the mortgage. They went and paid our 3rd qtr taxes and home insurance in XXXX of XXXX and kept posting our payments as " unassigned '' because we were n't paying the escrow amount since we also had paid the insurance and taxes ( neither which have ever been late in the entire time we have had the mortgage ). Finally in XXXX they said they would remove the escrow account if we paid them back what they had paid towards the taxes and home insurance which we did, but they know are claiming that they will not remove the escrow account until we have 12 months of ontime payments which INCLUDE and escrow amount of $ XXXX per month!! They have lied, mistated and fraudulently handled our account for the last year and a half. Also everytime we call they say the call is being recorded, when we asked for copies of such they say we can not have them. When my wife said she was going to record the call with them they immediately said the call was going to be terminated as they do not allow themselves to be recorded.

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 01-10-2017 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been attempting to get a loan modification from Select Portfolio Services for 9 months. They have continually delayed this process by asking for the same items over and over again. 
In the last 2 months they have set a sale date of my home in violation of California and Federal law specifically the dual tracking law as a part of the homeowner bill of rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/26/2016 about Credit reporting () with EQUIFAX, INC. (NM).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax provided my credit information to an unknown entity and refused to investigate this violation. There was a fraud alert at the time this occurred and they have ONLY offered to delete the evidence of this violation. 
Equifax Confirmation # XXXX is where they reported on my credit report that XXXX XXXX XXXX ( XXXX ) allegedly accessed my credit information on XXXX/XXXX/16. NOTE that there was a fraud alert implemented on XXXX/XXXX/16 by Equifax, 21 days before the violation. See XXXX 's letter where they state based on their investigation and their current practices and procedures that " an error of some type has occurred on XXXX XXXX 's credit report. ''

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Bank account or service (Savings account) with POPULAR BANK (IL).
Issue: Deposits and withdrawals

Complaint: I 've opened an account with XXXX. I needed to link an external account to it to transfer the money. Apparently, the external account I 've linked could be used to transfer the money. However, only XXXX external account can be linked to the popular direct account and it can not be removed by the customer. I 've spoken with several CSR 's about this issue, the most recent one was on XXXX/XXXX/16. I spoke with XXXX who told me that the supervisor will call within one hour. No one called. The next day, XXXX/XXXX/16 I spoke with another CSR, who told me that the supervisor, XXXX, will call me back. No one called. I 've been trying to understand what is going on with my account, but no one returns my calls. This is a very poorly run banking institution.

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 05/20/2017 about Debt collection (Other debt) with Financial Business and Consumer Solutions. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I was contacted by this collection agency via telephone and I advised them this debt was disputed as it is not mine. I 've never had an account with XXXX XXXX XXXX, XXXX and this debt is not mine. I have sent them via certified mail the documents showing his debt was a result of identity theft, but they continue to attempt collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Debt collection (Auto debt) with Sequoia Financial Services (CO).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: This man called me over 50 a day from Sequoia Financial Services claiming to be a XXXX XXXX lawyer, reversed phone look up reported that the company is tagged as a telemarketer company ( not even a collection agency ). 
Before I know it, this telemarketer emailed me, which I know that is completely illegal I informed him he didn't have my promission to use my email to contact me for I didn't give it to him or the company he works for ; make matters worst he threatened me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2016 about Credit card () with CITIBANK, N.A. (WA).
Issue: Advertising and marketing

Complaint: the card that I have gives a {$250.00} air travel credit each year : {$250.00} XXXX XXXX XXXX XXXX made by the Primary cardmember and Authorized Users on the Card Account are eligible for this statement credit. Please allow 1-2 billing cycles after the qualifying incidental air travel fee is charged to your Card Account for statement credit ( s ) to be posted to the account. This statement credit is an annual benefit available for purchases appearing on your billing statements from XXXX through the following XXXX. Pending transactions that do not post in your XXXX billing cycle will count towards the next year 's XXXX XXXX XXXX. 

although i have made purchases in XXXX when I get my card, I was told when I inquire why on my statement it shows that my credit for the 2016 year is {$0.00}, I was told that was my XXXX billing statement and therefore ineligible. As if i person can have a billing cycle start XXXX XXXX, it is deceptive to not tell customer when they apply for the card. It is confusing that XXXX billing cycle can have virtually no dates in XXXX. I would not got this particular card otherwise if I have knew

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2018 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: Public record information inaccurate

Complaint: I have contacted the corresponding court and they have admitted in writing that they do not furnish the credit agencies any information. 

I have reached out to XXXX and XXXX has suppressed any information to any alleged public record.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Payday loan) with Dynamic Recovery Solutions, LLC (KY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have continuously been getting call regarding a debt I owe to XXXX in XXXX, KY. They are harassing phone calls. At first I was worried, so I called XXXX XXXX and asked them because I was confused. Stated that I thought I had paid my balance in full. I have worked with this comany for a few payday loans at this point and was almost 100 % my balance was XXXX. After calling them, they confirmed my account balance has been paid in full and they do not know why I would be getting these calls unless it was a scam. I have recently received a letter stating that I owe {$480.00} dollars almost a XXXX months later after their last call. I still do not owe this according to XXXX XXXX, and now I am scared this will affect my credit. I do not wish for a debt I owe to affect my credit, but am unsure where to turn. So here I am reporting what I believe to be fraud and so does XXXX XXXX. One of my biggest clues this was fraud was when the person on the end of the phone call called me a " good for nothing XXXX '' after I refused to pay the debt I did not owe or give them anymore information. This has to be stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-10-2016 about Debt collection (Credit card) with Van Ru Credit Corporation (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am repaying the debt to XXXX XXXX and Van Ru continues to call even though I pay on time to XXXX XXXX. When they call, Van Ru requests me to verify who I am by giving them the last XXXX digits of my social security #. When I say you called me so why do I need to verify they repeat what they requested and say when you 're ready to verify call us back. I continue to receive these calls even though I am paying directly to XXXX XXXX. This was agreed to by both parties.

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 04/14/2017 about Debt collection (Credit card) with Alliance Data Card Services (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I get Robocalls from Comenity Bank at least XXXX times a day. They have called under the following numbers : XXXX and under Unknown. I made a payment of XXXX dollars last month in addition to another XXXX dollars. I only owe XXXX. I work for a federal government office and I am a fraud coordinator for our internet programs. They have threatened me with legal action, they call me outside of XXXX. I have kept all of the voicemails with the people 's extension ( my iphone stores the voicemails as text ). I informed them of the Telephone Consumer Protection act every time and that if I just made a payment of over XXXX dollars they need to stop with the phone calls until I am past the next payment due date if that is all necessary. This is excessive Robocalls. In addition to that they are using an outside company XXXX XXXX XXXX to make their calls. This is not a collections company. I thought that was illegal for them to do as well. They are sharing my information and debt information with outside companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was treated unfairly with my students loans from the school I attended. The school was splitting up XXXX loan into small loans causing me to owe more money and making it harder to repay.

Company response to consumer: Closed with explanation