milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2017 about Debt collection (Other debt) with Southwest Credit Systems, L.P. (MI).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Southwest credit Systems has been harrasing me since XXXX of 2016. I sent Southwest a request for validation which they did not provide in the first 30 days as determined by the FCRA. They were removed from my XXXX and XXXX credit reports. They waited 2 months and put it back on my XXXX and on XXXX without any correspondence with me. They started with harrassing phone calls and they are ruining my credit worthiness. This is an unverified and unvalidated account. I had previously disputed this account. I have never done business with Southwest Credit. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I disputed the validity of the debt that Southwest Credit claims that I owe. I requested that Southwest Credit provide verification of the following : 1. The ORIGINAL Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether they purchased the debt, and if so, the amount paid for the debt. 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I requested that Southwest Credit Cease and Desist all further communications and collection activities and provide the verification of this supposed debt. I demanded that Southwest Credit remove any and all Tradelines that are reporting on my credit report with XXXX. Their response-they reported it to the other two credit bureaus. Ive sent them numerous letters and Ive called them several times. They have ignored my requests. I am extremely frustrated and upset in dealing with them as I have been dealing with them for a little more than 6 months. They are damaging my reputation and preventing me from being a reputable citizen considering my credit file is unnecessarily damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 04/14/2017 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NC).
Issue: Deposits and withdrawals

Complaint: I have a checking account with Wells Fargo Bank and my bank account was assessed by the NC Dept of Revenue for XX/XX/2014 taxes. I worked out a payment plan with the NC Dept of Revenue for $ XXXX/month and I was waiting for the remainder of my money to be credited back to my account to find out Wells Fargo charges a {$120.00} fee when your account has a lien or hold placed against it. This is grossly unfair because all I had in the account was {$120.00} and now my account is - {$4.00} in the negative. I 'm between jobs and struggling financially and have asked can they credit it back to my account and they 're telling me it 's their policy. This is a grossly unfair policy.

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 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IA).
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: I continue to get hard inquiries from XXXX XXXX XXXX company after continually contacting them and not getting the problem resolved. XX/XX/XXXX, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

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 05/19/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX, Equifax was reporting an account I have accurately paid as agreed, closed and a zero balance. In XXXX, Equifax started reporting the same account as open, and currently past due for {$3400.00}. Last updated was XXXX XXXX XXXX after several disputes. I contacted the creditor and they verified that the information is not reporting correctly on my Equifax Credit report but informed me to file a dispute again and again to fix the issue. I feel that Equifax is not even contacting the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: On or around XXXX 2014 in an effort to open a new credit line I was informed that the creditor was unable to open my request. In an effort to find out what was going on I contacted all XXXX major credit bureaus and I was informed that and became aware of several entries including various inquires which were never authorized. Upon receiving this information I contacted the source directly only to be told they had no information and to submit my dispute in writing as well as contact law enforcement. As requested I did all of the following and was provided several months later a copy of the report to provide to both the sources as well as the credit reporting agencies. After several months of going back in forth I received notification that they verified the account as accurate and refused to use law enforcement 's report. Since that time I have continued my efforts only to be ignored and to date they have refused to supply me with a complete outline of the verification process they have conducted.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Approximately X/XX/17 I noticed that my interest rate had been raised, and contacted Navient to discuss. They stated that my 1 % interest rate reduction awarded after 3 years of on time payments was being revoked due to a missed payment. I stated that I wanted to talk to a manager because I had signed up to change my direct withdrawal from one account to another, and had put money in both accounts to ensure it would be paid. Navient failed to withdraw money from either account. As I was on my honeymoon out of the country I did not check immediately if the payment had been withdrawn, but upon seeing this I called and immediately paid the amount due. I believe that the company has confusing, possibly intentionally confusing, approaches to setting up to move the withdrawals from one account to another, in order to trick customers into missing payments. The change in rate will cost me approx {$400.00} per year in the short term. I have been making on-time payments, without fail, for over ten years, and I believe I had set up the account to continue to withdraw from a new account. The representative came back from putting me on hold and told me that she could not let me speak to a manager, but instead had submitted my information to them, and that I would receive a " decision '' from management, within 10 days, by mail. I never received any letter or answer, and I continue to be charged the higher rate. During the whole period the company had bank information from both accounts, the old and the replacement account, but claimed that somehow I had not initiated the withdrawals from the new account. I believe that they are acting in bad faith and that furthermore they are being either sloppy or dishonest in promising to respond to my request to have the lower rate reinstated, and failing to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Credit card () with CITIBANK, N.A. (OH).
Issue: Balance transfer

Complaint: I contacted Citibank about a balance transfer issue and complained about the length of time it was taking to post my transfer. They said because it was a new card it could take 14 days. However, I reasoned, that because they had just " borrowed '' from my credit limit from another Citi account, it essentially was not a new card, they basically split XXXX account into XXXX. Meanwhile, this is costing me interest with the account that I am trying to transfer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Student loan (Non-federal student loan) with AES/PHEAA (MI).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was a student at Indiana XXXX XXXX XXXX until XXXX XXXX. After this, I began paying my monthly payment to XXXX XXXX Loans at XXXX dollars per month. After six months, and XXXX other student loan payments I realized that I needed assistance in repayment. I contacted XXXX to be told that they has sold my loans to AES. 

Upon contacting AES, I registered and agreed to their three month reduces payment program. The program allowed me to make half payments of XXXX dollars for three months. This phone call took place on the XXXX/XXXX/XXXX. The woman on the phone explained to me that my payment due on XXXX/XXXX/XXXX would be included in the program, and if my online statement had not changed, that I would need to call back on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX I check my online AES account and see that I have no due balance. I contacted AES customer service, and was told that my XX/XX/XXXX payment had been covered by a forbearance and that my half payment program would begin on XXXX/XXXX/XXXX. The details of what I was told have been documented by AES, and I have spoken to numerous supervisors about this. 

Believing that I did not have an XX/XX/XXXX payment, I received a letter around XXXX/XXXX/XXXX explaining that my loan was 14 days past due. I immediately called AES and explained the situation. The supervisor first explained to me that he was sorry for my misinformation but that I do in fact owe money. I asked the company if they allow their customers to be misinformed and then held accountable for their own mistake. The supervisor then informed me that he would submit my account for review, and that in 5 days I would no longer be past due. 

Two weeks passed and my account still remained past due. I then called AES again that they informed me that there is no 5 day deadline and I would have to wait, but that they would be turning my information to a collection agency. Afraid, I then had to make a XXXX dollar payment. XXXX for XX/XX/XXXX, and my XXXX for XX/XX/XXXX all at one time. ( Defeats the purpose of saving money through the reduced payment program. ) I have still been trying to contact AES and have yet to receive any answers. I believe that it is horrible that a borrower calls the company to pay any payments to avoid default, is misinformed and then held accountable for the companies mistake. I would like answers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09/22/2016 about Mortgage (Reverse mortgage) with REVERSE MORTGAGE SOLUTIONS, INC. (OR).
Issue: Loan servicing, payments, escrow account

Complaint: My recently deceased mother had a reverse mortgage on her home when she died. The value of the home was close to the balance of the mortgage. In deciding how to deal with the disposition of the home the mortgage company offered us a {$3000.00} incentive to sign the house back to them quickly. We decided to do that but have never received the promised incentive. I 've called several times, sometimes speaking to someone, others leaving a detailed message and I 've not received any returned calls.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2016 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (NC).
Issue: Shopping for a loan or lease

Complaint: On XXXX XXXX, XXXX I cosigned on a auto loan ( XXXX XXXX XXXX ) for my mom on a vehicle from XXXX XXXX XXXX of XXXX, NC. Upon purchasing the vehicle we notice some work needed to be done to the vehicle. We returned the vehicle to the dealership on XXXX XXXX, XXXX and they gave us a rental. On XXXX XXXX, XXXX, we had to return the rental to XXXX and pick up our vehicle from dealership. On XXXX XXXX, XXXX, a finance manager contacted up and said that the deal was not funded and we needed to return the vehicle back to the dealer in the next 5days On XXXX XXXX, XXXX I returned the vehicle back to the dealer but they did take the key to the vehicle. I tried contacting the finance company ( American Credit Acceptance ) to notify them that the vehicle was back at the dealer but the number listed on my contract agreements was saying the number was disconnected. I received a letter from American Credit Acceptance around the first week of XXXX stating my reasons for denial. I tcontacted American Credit Acceptance using the number listed on my letter. I spoke with a Finance Manager who told me that they funded the loan but they were not notified that the vehicle was taken back to the dealer. She said they tried contacting the dealer but could n't get an answer or a call back about the vehicle. She told me to get a police report stating that I returned the vehicle on XXXX XXXX, XXXX to the dealer. I went to the Sheriff Dept. but I was told I did n't need a police report for that issue. The sheriff told me to just document my dates and keep up with them. I reviewed my credit, and that vehicle loan is on my credit with late payments and I did n't even keep the vehicle two weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Debt collection (Medical debt) with R.M. Galicia, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: CRA VIOLATION NAMES ALL WRONG MUST REPORT 100 ACCURATE AND INACCURATE INFORMATION MUST BE REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XXXX XXXX, XXXX, I signed a lease for a new vehicle. The dealership made errors on the paperwork multiple times, and the paperwork was not finalized until XXXX ( XXXX ).  Our payment due date per the Lease contract was on the XXXX of each month, but because the paperwork was not finalized, we never received a Periodic Statement ( required under Regulation B ) for the first month. At the end of XXXX, we finally received a Periodic Statement dated XXXX/XXXX/XXXX showing a due date of XXXX/XXXX/XXXX, showing the total amount due as {$440.00} ; the amount includes 2 monthly payments ( XXXX and XXXX ) of {$210.00} each, and a late fee of {$10.00}. 

There are two Regulation B violations here, one of which I was able to rectify by contacting the company 's customer service phone number. When I alleged a Regulation B violation, the customer service representative did not know what Regulation B was, but nonetheless agreed to waive the late fee of {$10.00} on the XXXX payment, and remove the late fee from my credit report. 

Second, I asked that my due date for XXXX be changed to XXXX/XXXX/XXXX, which is 21 days from the date of the periodic statement as required by Regulation B. The customer service representative, their supervisor, and the supervisor 's manager all refused this request saying that it was not possible. They informed me that I could exercise a lease option to change the due date ( an option which I only get once ). I informed them that the due date change should not count as my request, and that instead it is the earliest due date allowed by regulation. The manager was combative, telling me that " regulation B is your regulation '', and that his system would not allow him to change the due date for 1 month, or to not count the change as a request per my lease option.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I have been current as possible with my loans over the past year, but in the past when I have fallen behind Navient has used manipulative tactics in getting a hold of me about my late payments. I have multiple loans with them that my father co-signed. Navient has always had my up to date address and phone number. I would never receive anything in the mail about my loans. Navient would send late notices to my parent 's address. I 'm   XXXX   years old and have n't lived at that address since I was 18. They would also call my parents phone number when I was late on loans even though they had my number. I believe they knew this and realized that it works better to call someone 's parents to get a response. My parents would complain to me constantly about getting 5 or 6 calls from Navient a week. I called Navient multiple times and asked them to stop contacting my family and contact me instead since I was the one that took out the loans. The only way I was able to stop this harassment was to make sure I paid every month even if it hurt my finances everywhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (NJ).
Issue: Account opening, closing, or management

Complaint: I had a Business Checking Account with Wells Fargo and they withdrew a service charge every month until the account had nothing left without my knowledge ...

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 07/15/2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX re-aged a old debt that was never properly report to the credit bureau by the Fair Credit Reporting Act. The debt is an old debt back in XXXX and they are saying it a fresh debt from XXXX. This account was never on my report, so I believe that they only have 180 days to report this on your credit file. They are 1825 days to late to report this which violates my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Billing statement

Complaint: At the beginning of XXXX 2016 I received a phone call from a collection agency stating that my Sears had been sent to collections. I had not been able to access any information about the card for a year, I had elected to get electronic statements but had not been able to see them for 14 months as of XXXX. I was paying my bill through the electronic payment service provided by my bank. I do not know how long it took to process the payments because I could not access a statement.

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 03/27/2015 about Credit card () with CITIBANK, N.A. (NY).
Issue: Late fee

Complaint: I have a citibank credit card which has a balance with no interest. Due to XXXX I was late with XXXX payment, so to avoid this happening again I set up the amount of {$60.00} to come out of my bank account I used the amount {$60.00} as directed by a staff member as the amount should not go up due to no interest. 
I then this month noted I was being charged a late fee of {$35.00} Turns out the minimum balance that month was {$67.00} I called the bank to explain the situation and was told there was nothing they could do to take the {$35.00} off. So i was charged {$35.00} for a missing {$7.00} this is robbery.. How can they be allowed to do this for a missing $ XXXX explained XXXX times to the representative but he would not adjust the statementA late fee should be if you missed the payment not if you made most of the payment and contacted the company. I was made to feel like a terrible person. 
I tried to keep calm but did become angryAll i am asking is for the late fee to be adjusted, I have been a good customer. 
I will be cancelling the accountThank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 05/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Medical Data Systems, Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have made several calls to this collection agency regarding double reporting on my credit bureau report. Nobody has any desire to speak with me and just go back to the balance I owe. Date of first delinquency is  XXXX   XXXX ,  2014  and date assigned matches. They double reported on  XXXX .

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 01/17/2018 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (CO).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: On XXXX/XXXX/2018 - I answered a call from Transworld Systems. The individual refused to talk to me unless I provided him with my personal contact information. I advised him GLB, FDCPA, and TCPA ( as they had been contacting my cell phone regularly ). I asked for Verification of Debt. They  refused to provide this as I would not verbally give them my personal information. I told them they could provide me what they have and I would confirm but as I do not know who they are nor does their company sound like a financial company in charge of debts I was not willing to provide anything organically without verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: This is the second emailed letter to Navient asking for their review and assistance. I recently requested the paperwork showing my signature for the loan consolidation only to show that it was electronically signed ( paper copy given from Navient ). I have been paying this loan consolidation since XXXX/XXXX/XXXX starting amount was {$49000.00} and through payments over the last 9 years I have paid {$40000.00}. Your website says that I still owe at this time XXXX. you will notice from a review of my account that I have paid more that the minimum for years. I am requesting a review of my account as I feel that Navient is not acting in the bounds of federal loan guidelines and will be reporting my case to the US Consumers Financial Protection Bureau as well as other Government agencies for deceptive practices.

Company response to consumer: Closed with explanation