milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: In XX/XX/XXXX and XX/XX/XXXX my husband ( we have since divorced ) did not pay his XXXX XXXX XXXX XXXX  When I discovered in XX/XX/XXXX that they had gone unpaid and two tax liens had been filed jointly against us I called the XXXX XXXX XXXX XXXX to go on a payment plan. In XX/XX/XXXX both liens were satisfied and marked paid, satisfied and cancelled. This was also officially recorded with the Clerk of Superior Court. 

Following my Divorce in XX/XX/XXXX I wrote all 3 CRA 's with supporting documentation to request that the liens still remaining on my reports be removed. I was instructed to contact the XXXX XXXX XXXX directly in order to do so. However, XXXX XXXX XXXX XXXX informed me the Department has no control over what public information a credit bureau chooses to keep or report. Furthermore, although the liens had officially been withdrawn the Department does not report the recording of state tax liens to any such agencies and therefore has no responsibility to instruct a CRA to alter any derogatory reports even if they remain in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/13/2017 about Mortgage (Conventional home mortgage) with AMERINATIONAL COMMUNITY SERVICES, INC. (CT).
Issue: Trouble during payment process

Complaint: My escrow bills ( tax and insurance ) in 2018 will be going up by XXXX total for the year. However, my loan just transferred servicing and somehow they say I need to pay XXXX per month more. 

Also, it is suspicious my loan just transferred last XXXX and they said the escrow balance was only {$4.00}. 

I think XXXX, the prior servicing company, maybe did n't pass the escrow fund to the new servicer Amerinat. 

Amerinat claims they sent me a letter showing me the calculations however I never got 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
Consumer complaint received 01/18/2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (CA).
Issue: Loan servicing, payments, escrow account

Complaint: US Bank Collection department calls me at work and at home before the grace period is over. I have a 15 day grace period and I usually pay on the XXXX. Sometimes they call me even after I paid. I have never been late in my mortgage payment. My mortgage is new. However, I had an equity line of credit with them starting in 2007 that I paid without ever being late. This has never happened to me before on my prior mortgages with other banks. No other bank would use their collection department to reach a customer when the grace period is not over yet. When I contacted them and asked them to stop this they sent me a convoluted letter which did not answer my question and they kept calling after that. I want them to stop harassing their customers when they are not late and honor the grace period. What kind of a bank wants this type of relationship with its customers? I have an excellent credit rating and have absolutely NO late payment record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (VA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: On XXXX/XXXX/XXXX SUNTRUST, my bank took out an overdraft charge when I had sufficient funds in the account for the purchase in question. I had {$53.00} in the account and I made a purchase of {$41.00} and the bank applied a {$36.00} overdraft fee for that transaction. Had that overdraft fee not been applied unwarrantedly then my next purchase that cleared for {$10.00} would not have taken me into the negative either because I had {$11.00} in the account still. I DID overdraft the account at that point. I had not realized that I was in the negative and made an XXXX XXXX purchase which I over drafted for and since then they have charged me two more overdraft fees for a grand total of a negative balance of - {$110.00}. I do not understand why i was charged the initial overdraft when there was clearly enough money in the account to cover it. Also, I have never heard of an extended overdraft fee and I have been charged an ADDITIONAL {$36.00} for not bringing my account balance to XXXX within 5 days. Last I checked most of middle class and poor Americans like myself get paid every two weeks. And how can a bank punish someone further for not getting their account back to XXXX QUICK enough?

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 10-02-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I received a notice letter from the XXXX XXXX XXXX regarding garnishment of my wages by Capital One. I have no idea what this debt is in regards to. The notice says XXXX XXXX XXXX XXXX, but there is no account information listed on the notice. The notice then says " to view the document, click the link below, '' which is impossible to do on a hard copy letter. When you type into a web browser the addresses given, there are two separate documents : a court order dated XXXX XXXX, XXXX and another document that appears to be dated XXXX XXXX, XXXX. Both of these documents have a judgment date listed as of XXXX XXXX, XXXX. Neither of these supplemental documents lists an account number either. 

I have checked my credit report for information regarding this debt and the only thing that shows for XXXX XXXX XXXX is a credit card I opened approximately a year and four months ago with a " Current '' payment status as of XXXX XXXX, XXXX. There is no other mention of a Capital One account. I have not received any other documentation on this garnishment order other than this unofficial-looking, so-called notice. 

Why would Capital One extend a new line of credit to me if they were still pursuing previously owed money from me? In addition, if a judgment was issued for this on XXXX XXXX, XXXX that would mean the debt is at least 8 years and 3 months old. The statute of limitations for the state of Indiana regarding open-ended accounts, which includes credit cards, is 6 years. Any debt collection of a debt that is beyond the statute of limitations is in violation of the Fair Debt Collection Practices Act. Also, why was this filed in the XXXX XXXX court? I do not even live in XXXX XXXX. 

I am being threatened to appear in court and my current employer to appear before the court or answer interrogatories about me in regard to garnishment. This is an aggressive, coercive tactic that is attempting to scare me into making payments on a debt that either does not belong to me at all or is so old it has expired so that it may be reactivated and therefore have collection processes resumed.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN).
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint: Company refuses to provide me with score and 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 01-03-2017 about Credit card () with CITIBANK, N.A. (NY).
Issue: Rewards

Complaint: i had a XXXX account connected to my citi gold credit card, the account had around XXXX aa advantage miles, i had trouble logging in to the XXXX account so i called up XXXX and they said they shut down my account. first of all i was never notified about it and i have not done anything against the terms and conditions to earn those miles.

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 10/23/2017 about Debt collection (I do not know) with FAIR COLLECTIONS & OUTSOURCING, INC. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: FAIR COLLECTIONS & OUTSOURCING XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX {$3500.00} this account not mine i try to called few times the dont have any contract with my name not the full ss then when they told me to verify my self they asked for the full ss number and they write it down on my account i never did any business with the company that they represent i disputed several times with the credit BUREAU i filed identity theft report nothing helps and its keep coming back as verified i keep asking them how they verified and the telling me that the collection agency verifying it i dont know what to do anymore im trying to buy a house and its stopping me and making me lose money every year my XXXX XXXX dropping and staying low bc of this account please help me to remove it very truly yours XXXX 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 06/22/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Struggling to pay mortgage

Complaint: Back in XX/XX/XXXX I filed a complaint against Bank of America to get loan assistance. The case number is XXXX. I was able to get a loan modification after I filed the complaint which started on XX/XX/XXXX. The loan modification specified for me to make 3 trial loan payments which decreased my payment to {$670.00}. The three trial payments were to be madeXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I just found out a week ago ( after making the first trial payment ) that my loan has been sold to XXXX XXXX XXXX. Right now, XXXX XXXX XXXX has no record of my loan modification. I spent over 9 months working with Bank of America to get the loan modification approved and wrote to the CFPB and they ended up selling my mortgage loan. I am highly disappointed and upset that this happened. I spoke with several representatives at Bank of America that advised me that I would not need to make any loan payments for my regular loan amount of {$810.00} while under the loan modification trial period. They advised me that the past due payments would go to the end of the loan once the trial period was over. I would like my trial loan modification to be transferred to the new loan under XXXX XXXX XXXX. The new loan account number is 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 02-12-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Taking out the loan or lease

Complaint: I co-signed a vehicle XXXX with the XXXX as my co-signer, and my car was re-possessed when I tried to get the car fixed when it was dismantled. The car was parked in XXXX and my ex-husband returned the car and made a payment of XXXX per his hearsay, and now my credit is low and I have issues with opening credit because of his Fraud and XXXX XXXX XXXX was the man who co-signed for me at Wells Fargo under the name XXXX XXXX XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (IN).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: ( This happened to me a couple of years ago w ith Citibank Best Buy Visa w hen I lived in  XXXX  and I wound up paying more than I should have to neutralize the matter. ) I have a high balance on this card. It is a  Visa card requiring an annual fee. There is never any notification the month before that the fee is due. Now, around  6 months ago, I decided to stop using this card and simply make payments on it  ( 1 ) because of the high balance and ( 2 ) beca use my routine {$40.00} payments are reduced to 50 % toward the balance anyway. So, for the past 6 months or so, I have not made any purchases and my {$40.00} payments have been consistent. That would mean I have paid approximately {$240.00} and about {$120.00} of that balance should have been available. So, why am I being currently billed 'as of   XX/XX/XXXX ' on an account with a {$1300.00} credit limit {$1400.00}, and why is my minimum payment not {$40.00} but {$190.00} which is due XX/XX/XXXX ?   <P/> I would appreciate CFPB auditing my account to figure this  one out. As I mentioned in opening, this has happened to me before with this credit cardholder service. I have attempted to call Citibank Visa to discuss this on a phone that had very little energy but I had to. But, before I lost the call, the CSR  could not find any thing that suggested I was in arrears except my annual fee. If that is the case, the annual fee balance owing had to be no more than {$10.00}! Quite actually, I should have had enough money available to pay the annual fee. To my knowledge, the annual fee is {$75.00} ; if it has increased, I certainly have not been advised.  <P/> I question " late charges '' on the annual fee. It is " imposed '' and I did not purchase it. Regardless, late charges do n't have to be " {$25.00} late charges ''. Credit card issuers have the option to charge a late fee as minimal as {$1.00}, {$5.00}, {$10.00} and so on. Best Buy  Citibank Visa has consistently charged me {$25.00} late fees. Why? I am not a bad customer of more than 8 years. Furth er, I would like the option to change over to a card that does not require an " annual fee '' with an 8 year credit history.  <P/> In any event, I just moved from  XXXX   XXXX  to  XXXX ,  XXXX . I live in a low-income senior property, and am not in a position to pa y Best Buy Citibank Visa {$190.0 0}. ( While I do not know the rationale, I do believe my finance charges are increased markedly some months and it is a glitch that is ignored. )

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 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After reviewing my credit report, I noticed a dramatic lowering of my credit score by nearly  XXXX  points. When researching the cause of my problem, I noticed that an account that was discharged in my bankruptcy was showing past due with a balance. Also was reported was the utilization ratio and no notation regarding the discharging of my Chapter  XXXX  bankruptcy. The creditor is  XXXX   XXXX   XXXX . All of these factors caused my score to lower significantly.     According t o 15 USC 1681s-2 ( a ) ( 1 )  ( A ), it is a violation of the CRA to report inaccurate and incorrect information on credit report. This error has diminished any attempt to move forward to restore my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 07-04-2017 about Debt collection (Medical debt) with GULF COAST COLLECTION BUREAU, INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: 1.received collection notice from Gulf Coast Collection Bureau dated XXXX/XXXX/XXXX for master account XXXX asking for payment of creditor account # XXXX service date XXXX/XXXX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX . 2. called on XX/XX/17 talked to XXXX and was instructed to send proof of payment eob to XXXXXXXXXXXX with # XXXX in the subject line. 3. called XX/XX/17 talked to XXXX who confirmed receipt of same and info had been forwarded to the client for processing. To the XXXX XXXX XXXX. Said he would call me back when the matter was cleared. 4. called XX/XX/17 talked to XXXX who told me matter is still in review, account was not cleared docs were forwarded from Gulf Coast to the XXXX XXXX XXXX on XX/XX/17 and she will attempt to escalate and call me back when the matter is cleared. <P/>1. received notice of collection from XXXX XXXX XXXX XXXX dated XX/XX/2017 for the exact same creditor account XXXX ( their account # is XXXX ) for service date XX/XX/17 {$1100.00} XXXX XXXX XXXX XXXX XXXX. 2. called talked to XXXX XX/XX/17 refused to send validation unless requested in writing, extremely belligerent/agressive and would not listen when I tried to explain that the account was placed with another agency. 3. called XX/XX/17 talked to XXXX who told me who to send proof of payment to this time : XXXXXXXXXXXX -- did that right away. 4. called back to make sure and received an email from XXXX XXXX that the account was cleared up and no balance of {$1100.00} is due. <P/>MY Question is? WHY was the account placed in duplicate after it was already paid? and WHY is it not yet cleared from one agency when it cleared quickly from the other. This is very distressing and at this point, I feel I need assistance getting resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: A collection agency ( account # XXXX ) has reported inaccurate information to equifax, I have sent proof that the information is inaccurate but equifax refuses to delete this account which has caused serious damages to me. I am being charged for living in an apartment after my lease ended on from XXXX/XXXX/2015 to XXXX/XXXX/2015, I have sent proof that we ( XXXX XXXX and I ) actually moved out before XXXX/XXXX/2015. I have attached copies of new lease signed on XXXX/XXXX/2015 for both XXXX XXXX and I. This information is having serious adverse effects on my lifestyle.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In  XX/XX/XXXX  , I  borrowed  XXXX  from  XXXX   XXXX  to pay for my  XXXX . I began to pay back in the lat e  XX/XX/XXXX . A lthough I had periods of deferment and forbearance due to unemployment,   caring for my  child  an   d elderly parents, I s till have paid over 50K to  XXXX   XXXX   XXXX  Navient. Although I made payments to  XXXX   XXXX  before   XX/XX/XXXX ,   Navient reports that they do n't have records prior to   XX/XX/XXXX .      I also worked at   XXXX   XXXX   from  XX/XX/XXXX   through  XX/XX/XXXX   with a period of  XXXX  leave. I worked for    XXXX   XXXX   a nd  XXXX   XXXX   XXXX .     I would like to settle my balance but  Navient  insists that I still owe 41K+.   As I 've pointed out to Navient, I 'm  XXXX   years  old. This loan is most likely to outlive me yet they refuse to speak to me about a reasonable pay off. Additionally, I 'm paying for my own child 's tuition. I very much want to be done with this nemesis but the Navient reported balance strikes me as nothing more than usury.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX  is still reporting account that was over year ago reported as Unauthorized ID fraud from  XXXX   XXXX  this is still causing harm and must be corrected removed

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 07/16/2016 about Student loan (Federal student loan servicing) with HEARTLAND PAYMENT SYSTEMS INC (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This is a follow on complaint for XXXX / Campus Partners. For over ten years I assumed my loans were in posession of the federal government and still in deferment. After notice of a late payment, without warning, I had learned that a portion of my loans were now in posession of this private company, I had been charged a late fee, and my credit rating had sufferred accordingly. 

The company website is almost unsable, to the point that making a payment is virtually impossible. Tens of login attempts failed and there is no clear indication that a certain browswer must be used. Tens of time-out errors occurred. My information disappeared and reappeared from their database. I was not eligible to set up autodraft payment for no apparent reason. No place on the website shows a repayment schedule, a monthly due date, or similar pertinent information. The website 's poor operations are clearly to the advantage of the company, as it discourages timely and organized payment from customers. 

Fees are exorbitant. I was charged a convenience fee of {$180.00} to pay off my loans in full ( my total balace with the company was less than XXXX ). A one time processing fee from a debit card is {$60.00}. 

In sum, the company is clearly using a federally protected revenue stream to an unseemly advantage by setting up hurdles for payees, creating headaches for those in good standing and likely undermining the well being of those less financially secure.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with NRA Group, LLC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: After pulling my Credit Report found that there was a report of unpaid debt from a company called " The XXXX XXXX XXXX ''. I never ordered any products or services from this company. After collection information from XXXX sources found that this was for a ring that I never received. I have informed both the collection Agency and the original creditor that I made no such purchase and have reason to believe that my X-boyfriend order such product ( s ) without my consent. 

On a number of attempts I have tried in good faith to work with the original creditor and found that they are not helpful and refuse to assist me in this matter. 

All communication has been in writing as required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation