milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-02-2017 about Consumer Loan (Installment loan) with BB&T CORPORATION (LA).
Issue: Managing the loan or lease

Complaint: My account with Sheffield Financial Corp was opened XX/XX/2008 and paid off, they keep reporting the account on my XXXX Credit report even after I keep asking them to remove it because its over 7 years old.

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 01-08-2017 about Credit reporting () with Clarity Services (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I noticed the company Clarity Services INC on my XXXX and XXXX reports on several different occasions that I had know knowledge of. Dates XX/XX/2015, XX/XX/2015,XX/XX/2015 all advise XXXX. I called XXXX and they were unaware of and had no record of requesting a credit check for me. Clarity Service INC would not provide valid proof that these inquires were authorized instead they want me to provide them with all my info instead of providing me the requested documentation that gave them authority to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Student loan (Non-federal student loan) with AES/PHEAA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I am a co signer on a student loan the loan is not default they are calling my job XXXX an XXXX time a day please stop them from calling. P.S. THIS IS THE NUMBER THAT IS CALLING # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Credit reporting () with Experian Information Solutions Inc. (WA).
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint: On XX/XX/XXXX, looking over my monthly bank statement. I noticed an unfamiliar charge on my bank statement. Contacted the bank to investigate found out the charge was fraud. The fraud started XX/XX/XXXX through XX/XX/XXXX. After solving the fraud situation with the bank, I started seeking the damage of the fraud. 
On XX/XX/XXXX, I received a copy of my credit report. Going through the report I found a lot of negative issues not related to me. I found Bankruptcy information, a Social and Health SVCS ( DSHS-DCS ACCOUNT ), and Credit Inquires being reported as a negative towards my report. I contacted Experian Credit Bureau to dispute the false reporting of these issues. My first attempt disputing through Experian was mailed certified on XX/XX/XXXX. Receiving an updated credit report on XX/XX/XXXX, Experian removed some of the items I disputed, but not all. The items Experian left on my credit report that should not be reported, was some Bankruptcy information, credit inquires, and the XXXX ( DSHS-SCS ACCOUNT ). I also informed Experian that if the Bankruptcy information, credit inquires, and the Social and Health SVCS ( DSHS-SCS ACCOUNT ), accounts are not removed that several people and consumer organizations will be contacted. On my updated credit report Experian refused to remove the US BKPT CT WA XXXX # XXXX, XXXX account # XXXX, the XXXX Account # XXXX, and the XXXX .... that I am disputing was included in the Bankruptcy. Experian continue to report these XXXX accounts as Negative Accounts when all accounts are included in a Bankruptcy therefore none of the account should be visual on my credit report. Experian also refuse to remove the XXXX ( DSHS-SCS ACCOUNT # XXXX ). Experian is reporting this account as being open. I informed Experian of the closing of the account in the dispute letter. I also sent Experian the letter I obtained from DSHS-SCS ACCOUNT # XXXX showing the closing of my account with them. This meaning the XXXX ACCOUNT # XXXX should not be visual on my credit report at all especially as an Negative Account being stated by Experian. Finally, I am disputing the remaining inquiries that Experian chose to continue visually reporting on my credit report. Experian was sent a Police Report with all the police reporting information of the Identity Theft. Choosing to refuse to remove the inquiries due to Identity Theft put Experian in violation of the Fair Credit Reporting Act. The visual reporting of the inquiries should not be seen on my credit report. 
I have copies of all letters and police report information sent certified to Experian by me as they show proof of contact and effort to have these accounts removed. Also, I have sent a letter from XXXX, which shows my account to be closed.

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 10/27/2016 about Student loan (Non-federal student loan) with Weltman, Weinberg & Reis Co., L.P.A. (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: We were victims of predatory private student loans that were used for non-school expenses. As a result we were forced to declare bankruptcy. After the bankruptcy Weltman , Weinberg & Reis claims they acquired the covered loans when our lender themselves went bankrupt. We have been paying them per the plan but the file delinquent payment history on our credit report each month. My lawyers have sent them letter but they refuse to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAVALRY INVESTMENTS, LLC (MD).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Cavalry SPV I  LLC ( Attorney 's Firm :  XXXX ,  XXXX   XXXX   XXXX  located at  XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  XXXX , MD  XXXX  ) already collected a full judgment amount associated with a case number  XXXX  and sent me a letter " Satisfaction of Judgment '' back to  XXXX    XXXX  . However, Cavalry has n't filed a Satisfaction of Judgment form with  XXXX   Court  for  XXXX  County and the case still opens. In addition, Cavalry has n't submitted a credit report for this case after collecting a full judgment amount. It results in negative scores on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (DC).
Issue: Problem with fraud alerts or security freezes

Complaint: When  XXXX  made the change from  XXXX  to  XXXX ,  XXXX  issued me a new credit card. I am also a  XXXX  banking customer. I never used my new credit card, except as a  XXXX  membership card, I have other visas that I prefer using. The card was also never added to my online account.     After roughly 9 months,  XXXX  closed the card, and filed a notice of delinquency. They did not inform me of this, I actually found out via  XXXX  's  credit score  monitoring service, if it had not been for this  XXXX  would still never have informed me of the charge. I started calling  XXXX  to figure out which account had a notice of delinquency, and when they identified the  XXXX  account, I did n't understand, never having spent money on it. It turned out that I was charged the  XXXX  membership fee  ( automatically ) on that c ard, and was never told about it. By that point my payment was about 6 months late and had an addition  XXXX  dollars of interest and late fees on top of the  XXXX  dollar charge. The customer service agent was very pleasant and waived all of the additional charges, I closed the account, and paid the {$55.00} dollars. She also acknowledged that citi dealt with this situation poorly.     However, this event has turned out to have a profound impact on m y credit score . The day it happened it fell by  XXXX  points, and has recovered  XXXX  points in the months since. Working with  XXXX  has been impossible and they say nothing can be done now. They actually made the claim that since  XXXX  has NEVER misreported credit data, they do n't have a way to rescind it, in any circumstance, otherwise they would be happy to. Unsure where to go from here.

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 05-10-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Failure to alert me of suspicious activity and failure to provide consumer protection against online fraud.   CC Company : Barclaycard,  XXXX , DE Merchant : Tickets  XXXX    XXXX   XXXX   Date  XXXX / XXXX / 2017  Amount : {$810.00} My credit card information was stolen online to purchase  XXXX  same day basketball game tickets. I filed a dispute after speaking to the merchant. Credit card company " investigated '' and found in favor of the merchant. Reason being the merchant said they sent the tickets electronically to a n e mail address with my name on it, therefore that meant I must be made the purchase. But that was NOT my e mail address. The theft who stole my information created an e mail address with my name in it so he could have the merchandise sent to him electronically. That is how online fraud operates!! Anyone could create e mail account using any name they choose!!     Barclaycard told me they have now completed the investigation ; it is now up to me to negotiate with merchant. The merchant tells me to work it out with Barclaycard.

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 02/20/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Capital one makes it very confusing for a borrower to navigate its web portals to make monthly payments. Some credit cards you have to log into one site, other credit cards you have to log into other sites. In addition, the electronic notifications are so overwhelming when you layer in all the cross product selling and other email garbage. Then consumer becomes DE-sensitized to the notifications and billing statements and thus become in-effective as a result. 

I am a end user that is negatively effected as a result. I became overly confused and in-inadvertently missed XXXX payment. I have XXXX Capital one accounts and given the onslaught of communication it is difficult to actually understand what is what. I consider myself to be a responsible and savvy individual who is very very busy trying to provide a good life for my family, and if I could be negatively impacted by this.. ANYONE can.. this isnt a devastating event for me, its just a setback, but for another family, something similar could end their happiness.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Mortgage (FHA mortgage) with Seterus, Inc. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: On or about XXXX XXXX my roof was damaged in a storm. I contacted my insurance company they sent someone out and they agreed to replace my roof. Funds were disbursed to the lender QBE/Seterus License # XXXX approx. {$19000.00}. We selected XXXX XXXX to complete the repair because of their outstanding reputation here in XXXX, FL. QBE/ Seterus refuses to start the repair process on my roof by releasing funds to the roofer unless I can find a roofing company that will agree to sign their Contractors Conditional Waiver of Lien attached here with. I have called XXXX roofing companies here in XXXX Florida and all refuse to sign such a waiver. Seterus then told me to go hire an unlicensed contractor to do the work???? Since XXXX the roof has become more and more unstable and is now leaking down the walls of the home and the a/c unit has filled with XXXX mold and has stopped working properly. The home is becoming completely uninhabitable and the damage continues to mount. Please Help Frustrated and Furious that Fannie Mae allows servicers like this to handle their affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Using a debit or ATM card

Complaint: I used a moving company that charged my card for a lot more than the agreed amount. I notified my bank, and disputed the partial amount of {$260.00} that I was overcharged for. I did not have paperwork, as I was told it would be emailed to me. It was not. They did not remove the amount, even though I did everything I was able. 
I would like to note that out of the thousands of transactions I have done with my card, I have only disputed XXXX transactions. XXXX. The other I had a nightmare with, and I had actual documentation! They do not listen or actually take in account what is told. I was also hit with NSF fees due to this money being pulled back out of my account. I was overcharged and I want my money back.

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 05/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with FIRST NATIONAL BANK OF PENNSYLVANIA (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I was a few days late on a payment and the branch manager contacted my mother to discuss my account. I am XXXX years old and my mother does n't need to be involved in this. My mom was told they could n't reach me and " my account very delinquent ''. I work nights and sleep during the day when they call. My account was not very delinquent but only by a few days.

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 07-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I am not the student, but rather the parent who signed for the loan for my daughter. My daughter started college in the  XX/XX/XXXX . At the time, we were told that loans would be paid off in 10 years, since each semester the monthly payment would increase in conjunction with the next semester 's tuition addition. My daughter graduated in  XX/XX/XXXX . That means that her l oans should have been paid off in   XX/XX/XXXX  . However, I am still making monthly payments and have been told that the loan was extended to 20 years. I have no paperwork to this effect, no can Navient provide me with a document in which I agreed to, or acknowledged, this change in loan terms. I am currently  XXXX   years old and  retired. Continuing to repay this loan is hurting my financially since I am on a fixed income. I do not believe this conditions of the loan were properly presented prior to my agreement to take it out.

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Last year, I applied for a credit card from XXXX XXXX and paid the processing fee. However, after several weeks and no card I called the company to tell them I was cancelling and would no longer need the card. At that time I was informed that the card had been used and charges totaling {$270.00} were on the card. I immediately informed the representative that I had never received the card and therefore the charges were n't mine. The representative also informed me that someone had called and reported the card lost from a different number than I was calling from now. I informed her this was my only number. We went through a list of the charges where I again confirmed they did n't belong to me. The representative stated I would receive some paperwork to fill out and return. I never received any such paperwork. I did begin to get collection notices from collection agency regarding this issue. I filed a dispute that came back verified and was horrified because I know I 'm not responsible for these charges. This collection now sits on my credit report showing 120 past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Debt collection (Payday loan) with Resource Management Group (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I vaguely remember taking a payday loan in XXXX, I do n't remember the exact year, but I know that I paid off the whole debt. Since it was from a bit of a way back, I do not even have any of the documentation they sent to me and they have not even been in contact with me once in the past 4 years. All of a sudden I am getting calls from " XXXX '' ( Resources Management ) saying that I owe a debt to " XXXX XXXX '' for a payday loan they extended to me ( without my knowledge & without my consent if they even did ) and had old e-mail and bank account information but somehow have my personal cell number which has changed recently AND called my place of work. I did NOT give updated information. When I searched the number and the places of business on google they all come back as SPAM. They have called me numerous times and continue to harass me. I would like this to stop!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: The questions used to verify my identity had nothing to do with me and therefore could not be answered correctly. Because of this I was unable to verify my identity and therefore could not get a copy of my credit report. I am afraid this is because someone has been tampering with my identity as my drivers license and as card were stolen earlier this year.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: This letter is a formal complaint that American Education Services ( AES ) is reporting inaccurate credit information. 

I am very distressed to find that AES has not requested the removal of late payment information in my credit profile due to its damaging effects on my good credit standing. After receiving a forbearance that was backdated to cover the dates my payments were originally considered late, AES has refused to update my credit reports, all the while instituting a new policy which includes the removal of negative credit reporting for student loan accounts that received back-dated forbearances and deferements after XX/XX/XXXX. Since the late payments were posted to my credit report XX/XX/XXXX and XX/XX/XXXX, the company refuses to remove these late payments from my credit report. 
I have requested numerous times for the removal of these late payments from my credit report through written mail, email, and repeated telephone calls to both AES and the Office of the Ombudsman explaining that I have worked extremely hard to keep my credit in good standing and I do not feel these late payments truly reflect my credit worthiness. 
During my approved forbearance period, no payments were due and therefore no payments could be considered late. However, because of the inaccuracies on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/17/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (NY).
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint: On Saturday XX/XX/XXXX  , I w ent to a  Citibank bra nch located at :   XXXX   XXXX   XXXX  ,  XXXX   XXXX , NY  XXXX .  <P/> I asked the personal banker there, to open an account based on the {$300.00} promotion advertised b y Citibank.   <P/> She said that she can assist me with this. Then she asked if I had been a previous customer wi th Citibank. I re sponded that I had been a prior customer and that I had closed my accounts wit h Citibank as of  XX/XX/XXXX .    I was told by the personal banker that the rule for eligibility for the promotion is that I should not have bee n a Citibank customer in the last 24-months.   <P/> I brought to her attention that the disclosure print in the promotion states that to be eligible for this offer, the customer must not be OR have been an owner of a citibank account in the la  st 60-days.
<P/>
The personal banker, told me that based on Citibank 's own rules, the rule is 24-months and that I would not qualify for the promotion. However she did offer to open an account for me, but without honoring citibank 's own advertised promotion.
<P/>
I then proceeded to speak with the branch manager on duty then. She explained that Citibank has its own internal policy which explains to not honor cash bonus promotions unless the customer did not have an account in the last 24-months. She did not care to read the disclosure to the current offer that I had asked for, but she was willing to show me prior offers that had disclosures of the 24-month limitation. I refused her explanation as those offers were already expired or were different from the current offer I had asked them about. She also could not provide any written explanations on why the {$300.00} offer could not be honored. Additionally, she kept pointing to an internal citibank rule ( she could not show it to me ) to not honor cash offers unless there was 24-months since the customer closed the previous account.
<P/>
I re-read the fine print and the whole disclosure, and I still did not see any hint or anything related to the 24-month limitation.
<P/>
What made me file this complain was the excellent work that consumerfinance.gov did in here.
<P/>
https : //www.consumerfinance.gov/about-us/blog/citibank-to-refund-700-million-to-credit-card-customers-for-unfair-and-deceptive-practices/ I am attaching a copy of the offer to support my complain.
<P/>
Thanks.

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