milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TN).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 it has been determined that any public record data must include name, address, SSN and Date of birth in order to be reported on your credit file. The credit bureaus has failed to update this information and per the new law, The Bankruptcies should be deleted from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Student loan (Private student loan) with AES/PHEAA (CA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I took out a private loan in XXXX of 2008 to pay for school in the amount of XXXX. My father is a cosignor on this loan. Unfortunately this many years later I have only been able to secure employment that is equivalent to that of minimum wage, whether its not full time hours or a low hourly wage. I have rent, I have bills. My mother got sick in XXXX and my dad took off work to take care of her. Both have not been working. We have fallen behind on payments. I have done everything under the sun to fix this problem and I have come up with nothing. The loan is serviced through American Education Services and was originally a loan from XXXX XXXX, that has since changed to XXXX. I understand XXXX is in the middle of a lawsuit and I would like all the information pertaining to this as possible. When asking about deferment, forbearance, or forgiveness options, XXXX is very vague. I neglected to mention that the loan is now XXXX because all of the payments made have been towards the interest and not the principal. I have offered to pay the loan off in the amount of XXXX just so that this problem can be resolved I am awaiting XXXX XXXX response. This situation has me very stressed, angry, and depressed. I feel as if it is placing a strain on my relationship with my family. I am at a crossroads where I literally do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (OH).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I received an overdue bill from Citi/Costco today, XXXX XXXX, 2017 via USPS. Statement says my account is 3 months past due and that I owe {$150.00}. A few days ago I received an automated phone call saying I owed the same amount and asking me to provide payment information over the phone. I thought that was a scam call and provided no information. I have, however, never requested or received a Citi credit card. Recently Costco changed its sponsored credit card from XXXX XXXX to Citi. I used to have an XXXX card, connected with Costco, but I had not used it in quite a while. I received notices saying Citi was the new sponsored  card for Costco, but I never responded to ask for a card because I no longer shop at Costco. 
The company says my account is three months past due, but this is the first bill I 've received from  them. And I repeat, I 've never received a credit card from Citi! After I read the statement I received today, I called the phone numbers on the bill : Customer Service - XXXX, and also XXXX. The message and options provided at both numbers were the same ( except for a slight change in the instructions for getting a XXXX-language message ). There were three options offered, all geared toward making a payment. I could also choose to repeat the options. There was no option to speak with a human being about the account. So I went online to citicards.com ( I believe that 's how I got to their site. ) Under " Contact Us '' were listed several phone numbers, including " Consumer : XXXX '' and " Lost/Stolen : XXXX. '' At the XXXX number, I received the exact same message I had heard earlier -- again, no chance to speak with a human. So I figured perhaps someone else had received the card that Citi claims to have sent me, and they were using it, so I called the " Lost/Stolen '' number, and heard the exact same message, starting with, " This is an attempt to collect a debt. '' (! ) No option to speak with a human, on the lost/stolen card line -- that was curious. So -- I see no way to contact Citi/Costco about this alleged overdue account, the card for which I have never received. I 'd like to speak with a Citi representative to clear up this matter. They claim I owe them {$150.00}, but I do not owe them anything. They owe me for my spending well over an hour ( so far ) trying to correct their 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 monetary relief
Consumer complaint received 03/14/2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This agency just added a new collection on my credit file. This is unknown, inaccurate and I did dispute and request validation and nothing again received.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: An account was opened with part of my information, not even all of the correct information and I closed immediately after. I never received service from XXXX XXXX, was never hooked up to XXXX XXXX, and never had a valid account. However they sent me a bill, when I called to dispute I was given the run around and transferred from department to person over and over then eventually hung up on. I have been hung up on multiple times while trying to call them to dispute this. I have sent emails to their company where they either do not respond, or tell me that the issue has been resolved. Only to find that I get another bill. I called again and was finally told the issue was resolved and my name ( even thought not even spelled correctly ) had been cleared. I had't received a bill in months, only to now get a letter from a debt collectors agency. When I called XXXX XXXX again to speak with a higher up manager, they hung up on me, again.

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 10-06-2017 about Debt collection (Other debt) with GC Services Limited Partnership (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I contacted them on various occasions with out getting any results, I wrote and sent certified latter to them on XX/XX/XXXX and XX/XX/XXXX with out getting any results. They are claiming that I have a delinquent account with them witch is not true, the contract sent by them do not have my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: I deposited a check on XX/XX/XXXX from a company that I do business with and deposit checks from periodically. I have never had a check returned from this company or any other check returned that I deposited in any of my accounts at this bank, but a one week hold was put on the funds without any notice being givento me until I was told when I walked in to a branch on XX/XX/XXXX. I received the attached letter on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Thank you again for helping me resolved my property issue that i do legally have the privilege to own but my bank Ocwen loan servicing LLC would continue to lie and cover up their illegal forclosure on my property that i purchased in XXXX i have faxed you my legal notarized documents of my payoff letter my reconveyance also the Attorney XXXX XXXX XXXX, also known as XXXX he has never worked with me on my issue with ocwen he poped out of nowhere after i diligently asked ocwen since XXXX to quiet my title by putting me back on my title they refuse to do so they continue to push me away with their lies and fraudulent behavior even attorney general XXXX XXXX sued ocwen who is homewardrresidential, and American home mortgage servicing all fall under ocwen, ocwen illegally forclosed on my home i was apart of the national ocwen settlement whose home was illegally foreclosed on by Ocwen in XXXX. XXXX ocwen attorney our liars the first attorney XXXX has left the company and now XXXX XXXX. XXXX has just left the company and Ocwen ombudsman dept. XXXX XXXX is telling ocwen staff not to talk with me please help me stop this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (MD).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Debt was reported to the credit agency, no contact information. I then received a phone call the caller did not identify himself just the agency he was calling from and reason for the call, I inform him that the insurance company paid the debt and I was not responsible for the entire amount just {$57.00} copayment. He then proceed to tell me how embarrassed I should be and I could be sued and my wages garnished if I did not pay. Or if I wanted to have the derogatory mark on my credit for 7 years he would see to it.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Mortgage (Conventional fixed mortgage) with Neighborhood Housing Services of Richmond, Inc (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage servicing company do not send monthly statements for loan. When company do send statement the information provided is incorrect ( ex. showing past due amounts when payments are automatically deducted from my bank account ). They do not send yearly escrow statements or anything that shows balance in account. Requested on several occasions in person for payoff on mortgage and have not received information requested. Each time I visit there office the person who can assist with issue/problem is not there. 
Company did not pay first half of real estate taxes for 2016 which was due in XXXX and I received delinquent notice from the XXXX of XXXX with interest and penalties. Taxes still have not been paid as of XXXX XXXX, 2016. Every time I make a request the person who has the answer is not there. Company states that they will get back with me and no one never do. This issue has been going on for several months.

Company response to consumer: Untimely response
Consumer complaint received 12/16/2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with PAYPAL HOLDINGS INC. (CA).
Issue: Unauthorized transactions or other transaction problem

Complaint: I sold an item, a XXXX refrigerator on XXXX. My buyer paid the correct amount into my PayPal account. PayPal will not release the funds and it saying they will not for a period of time which keeps changing. XXXX is saying that the money is not held on their end and should be released by PayPal. I feel that PayPal is somehow placing A hold on my account that is wrong and in accurate and will not release the funds ever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/22/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I received communication from Portfolio Recovery associates about an amount they claim I owe of XXXX. The letter was dated XXXX XXXX, XXXX to establish the debt was validated. In the letter I received a billing statement. A billing statement does not show a binding contract per FTC opinion letter from Attorney XXXX XXXX XXXX. I am formally requesting a copy of any documents bearing my signature showing that I have legally binded in a contract to pay the alleged amount.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I was not able to update my dispute information and upload files this evening. Person I spoke to this evening around XXXX XXXX at XXXX barely spoke XXXX. I dont think the credit bureaus should put your dispute on lockdown after you submit 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 10/23/2016 about Mortgage (Conventional fixed mortgage) with AmeriHome Mortgage Company, LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: My loan appeared to be transferred or sold to another servicer, and I was never notified in advance. In addition to this, I can not get in contact with a real human being at Amerihome Mortgage to talk about this.

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 04/14/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (MA).
Issue: Application, originator, mortgage broker

Complaint: Original complaint is XXXX. I responded to that complaint with my rejection of Bank of America 's Regulatory Specialist, XXXX response. But more recently I received his letter that states there is no evidence to support my claim of customer neglect and abuse. However, in our live phone call he stated the opposite to me, ie. that they had in fact uncovered customer service habits and practices that need improvement.When I asked him how the improvements were going to be made, and what exactly they uncovered, he stated that that was proprietary information so in fact he TWICE acknowledged that there are issues. He also stated that this determination would be in his letter to me but in fact it is not. I want to document these deliberate inconsistencies as attempts to cover up facts. I did in fact experience poor customer service, as well as possible age discrimination because XXXX loan officers, over the phone, and over the course of an entire year, rejected my requests for information regarding refinancing by stating I was ineligible. Mr XXXX, the Regulatory representative, conversely told me over the phone that there are other programs for which I could apply. He then proceeded to attempt to blame me for not pursuing an application! I asked him why I would do that when I was advised by XXXX loan officers that I basically would be wasting my time. I want this update to go to Bank of America relevant employees, including Mr. 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 06/13/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: On  XXXX   XXXX ,  2017  ( overnight ), Check #  XXXX  in the amount of {$59.00} was processed through Bank of America  (  my checking account ). In RETALIATION TO MY PREVIOUS COMPLAINT against BOA, the bank is charging {$35.00} in fee 's because my BOA account was short of {$5.00}. I AM DISPUTING, BOA fee 's assessed in the amount of {$35.00} for Check #  XXXX . Today is  XXXX   XXXX ,  2017 , I have until  XXXX  today, to deposit the shortage of {$5.00} into my account. And, I am also DISPUTING , BOA 's  REFUSAL, to REFUND my {$70.00} for fee 's erroneously assessed to my checking account for the following check # 's on  XXXX   XXXX ,  2017  : Check # :  XXXX  in the amount of {$62.00} ; and Check # :  XXXX  in the amount of {$55.00}. I deposited the shortage of monies for these check 's in my checking account before  XXXX  on  XXXX   XXXX ,  2017 . How ever, BOA repre sentative REFUSED to acknowledge my deposited monies before  XXXX  on  XXXX   XXXX ,  2017 . I have my deposit sli p ( s ) to sho w that the necessary monies was deposited prior to the  XXXX  cut off. I am a VERY DISSATISFIED CUSTOMER for the ongoing practiced RETALIATION by Bank of America. I am requesting, ALL of my monies back for improperly assessed fee 's charged.   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 monetary relief
Consumer complaint received 05-12-2017 about Debt collection (Payday loan debt) with Ashfield Management Services Inc, (FL).
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint: I received a voicemail from "  XXXX   XXXX  '', who did not disclose the name of his organization but simply said I or my attorney needed to return his call at  XXXX  regarding case "  XXXX  '' as there was a " complaint pending against ( me ) ''. The call actually came from a local area code that matched mine. I returned the call and was advised the company is called " AMS ''. When I was transferred to  XXXX   XXXX  I asked him for the address of his company. He replied by asking me what I was sending and I reminded him that he is obligated to disclose his company 's full name and address, which he then did as fast as he could. He advised he was with "  Ashfield Management Services  at  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX , NY ''. He then advised me that he was calling about a defaulted payday loan and a " bad check ''. I replied that I had not written a bad check and he spoke over me and said " sure you did, a bad ach ''. I advised  XXXX   XXXX  tha t 1-I have a bankruptcy attorney that he needs to speak to as opposed to me and 2-payday loans are not even legal in my state. He demanded my attorney 's information. I began to g ive him the information and he spoke over me stating it is my attorney 's job to call him. I advised him that I have not received anything in writing about the alleged debt and that he is not to contact me again as he has been put on notice that I have an attorney. He spoke over me and refused to let me give him my attorney 's information despite his legal obligation as a debt collector to communicate with my attorney only as he has been fully retained.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2018 about Vehicle loan or lease (Loan) with Bridgecrest Acceptance Corporation (IL).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: I Filed a complaint # XXXX on BRIDGECREST ACCEPTANCE CORPORATION on XX/XX/XXXX, my complaint was with how they are closing the account. BRIDGECREST ACCEPTANCE CORPORATION responded on XX/XX/XXXX and the complaint was closed, however XXXX still did not file the GAP insurrance. They claim that the total amount was not received, the amount was short by {$4.00} and the GAP could not be filed until the total amount was paid. They received the amount on XX/XX/XXXX, then on XX/XX/XXXX the differance of {$4.00} was posted to my account and still waiting for the GAP to close. XXXX lack of attention with my account is due to me no longer wanting to use thier company financing. thier interst rates is too high and they was not truthful in how interest was accumulated. this was not a simple interest loan. they will receive 3 times the amout of the vehicles worth. My vehicle was involve in an accident on XX/XX/XXXX and as of XX/XX/XXXX i am still without a vehicle.

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 05-06-2015 about Credit card () with WELLS FARGO & COMPANY (UT).
Issue: Billing disputes

Complaint: Wells Fargo did not credit my payment to my account correctly and reported a XXXX day to the credit bureaus in error. And charged me a late payment fee

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Consumer Loan (Vehicle lease) with HYUNDAI CAPITAL AMERICA (NC).
Issue: Managing the loan or lease

Complaint: I leased a car from Hyundai Finance. When it was near lease end I inquired about purchasing the car ( XX/XX/XXXX ). I asked ( over the phone ) Hyundai to mail me a buy out package, they indicated that it would take a week to get the information in the mail. I contacted my bank later and got their fax number ( I do not have a fax ) and called Hyundai again and had them fax the information to the bank. The bank received the information and sent the payment asked for in the information to the address that Hyundai provided. Hyundai in turn cashed the check and called me back saying they wanted more money. By NC law I was the owner of that vehicle because they made an offer and accepted the payment. However I can not afford to sue. After some time with phone calls to Hyundai. I finally got them to return the money, during this time I had already had to make a payment to the bank. On XXXX XXXX the bank received the money from Hyundai my loan ( minus the interest I owed the bank ). They immediately started harassing phone calls because now I was " behind '' in payments. On XXXX XXXX the bank finally cleared the Hyundai payment. I then sent in a check for XXXX which Hyundai credited XXXX XXXX. On XXXX XXXX I traded the car at a local XXXX dealership. the dealership was then responsible for the car. It was not until XXXX XXXX I received a letter from XXXX saying the car was paid off. I have subsequently checked my credit report and Hyundai reported me for Late payments in XX/XX/XXXX, and XX/XX/XXXX while all of this was going on. They refuse to remove that information as I have filed disputes with all XXXX credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-06-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Since XX/XX/XXXX I entered into an agreement with Navient to begin paying back my student loans. I also requested to participate in a program that would lower my rate or monthly payments. I have been making the necessary payments ( {$470.00} ) since XX/XX/XXXX and it continues to show on my credit report that I am 180 days pass. This has caused my credit score to drop significantly. Please assist me with understanding if this is right. I still have not been approved for the program to lower my rate. They continue to ask for more documentation regarding the co-signer while taking {$470.00} from me every month. I have asked them to consider that I have been able to make the payments on my own, why is it necessary to have the co-signer personal information. 
Looking for guidance and assistance as I feel that this is completely unfair and unreasonable. 
Thanks

Company response to consumer: Closed with explanation