milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/18/2016 about Consumer Loan (Installment loan) with COMMUNITY CHOICE FINANCIAL, INC. (IL).
Issue: Problems when you are unable to pay

Complaint: I sent a wriiten letter to the corporate office of 1st financial loan asking them not to contact me because they were calling three to four times a day six days a week. They continue to call me from different phone numbers some just hang up oncethe call gets answered by my voicemail. Today on XXXX/XXXX/2016 I received a call from XXXX which left a voicemail saying it was from corporate office asking me to call them about some appointment that I never made.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Mortgage (Other mortgage) with Servis One, Inc. (IL).
Issue: Settlement process and costs

Complaint: My wife and I signed a deed of lieu off foreclosure on XXXX XXXX with BSI Financial Services, with the agreement of a XXXX check of {$10000.00} for relocation fees, we vacated our premises on XXXX on XXXX per our agreement. and we still have not received the XXXX check from BSI financial Services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Debt collection (Credit card) with BANCO POPULAR DE PUERTO RICO (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX XXXX listed an old ( un-owed and unsubstantiated ) debt in my report without any notice. The original claim was from 2008, and the orginal collector could never furnish any data to prove this. XXXX XXXX bought this debt and is listing in my credit report as new, has never contacted me, or provided evidence of what makes up this amount. This item should be removed from my credit report and this company should be fined. It now appears XXXX times on my credit report, even though it ( 1 ) should not be there in the first place, ( 2 ) the debtor sold it to a third party, and the third party is trying to claim this is new without contacting me or providing evidence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: This is a utility account open XXXX XXXX. I did n't open this account, however I paid it in full in the early months of XXXX, I believe it was around XXXX or XXXX XXXX account had an outstanding balance of {$71.00} dollars. I paid it because at that time I was buying a house and it was an outstanding negative balance on my credit profile. 

The credit agencies are still showing this as an negative account. I disputed this account with the credit reporting agencies and I guess they must have contacted the utility company and the company says this account is still showing not paid and as a charge off.

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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NCB MANAGEMENT SERVICES INC (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have contact all 3 credit bureaus to inform them of fraudulent activitys on my credit.i also sent copies of police reports where there were someone who was arrested for using my name my social security. I would appreciate all things on my credit be removed and not placed back on my credit with this fraudulent activity it stops me from being able to get credit

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ID).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a XXXX XXXX credit card not showing up on all XXXX bureaus ' reports. I got the credit card in XXXX 2015. It 's been more than 90 days and I still have not seen the card showing up on the reports. I called all of them. XXXX helped me to submit a dispute, which then gets solved in 1 day. My credit card now shows up on XXXX report. However, after calling Transunion and XXXX, they refused to submit a dispute ( claiming a dispute can only submitted for an existing account which makes no sense ). I need the credit card to show up on all XXXX reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (SC).
Issue: Loan modification,collection,foreclosure

Complaint: XXXX has received assignment of the note while it was in default. This makes them a third party debt collector. XXXX used XXXX management to service the Loan. I informed them of my rights and protection under the Fair debt collection Practices act by certified mail. XXXX continued to try to collect on this note even though they were sent notices to cease and desist. XXXX has filed action in court to foreclose on XX/XX/XXXX. I have no lawful binding contract with XXXX. The loan was in default on XX/XX/XXXX, XXXX was assigned the note on XX/XX/XXXX. I have sent notices to the previous servicer XXXX and they stop their attempts and sold the debt to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have had my student loans through XXXX XXXX ( now " XXXX '' ) for a number of years. Unfortunately, around XXXX of 2013 and shortly before, I experienced significant financial difficulty ( to the point of almost being evicted from my abode ). I tried all options available to lower my monthly payments, deferment/forbearance, etc.. but to no avail. After speaking to a number of representatives, I was never told of the option to go on IBR ( Income Based Repayment ). I now have negative information on 2 of my accounts ( will attach ). If I was alerted as to this option a few years ago when I inquired, I would not have any late payments ( in regards to XXXX XXXX " XXXX '' ) on my credit 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 03-12-2018 about Checking or savings account (Checking account) with BANCO POPULAR DE PUERTO RICO (FL).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: I tried accessing my account and it says that my username has been changed. I NEVER changed it. It prompted me to reset it, and NOTHING happens when I enter the information. I tried calling and no one answers the phone. I called again and it prompted me to provide my phone number so that someone could call me back in 24-38 minutes. They called me back and hung up. This bank stole my money!

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information including SN, DOB, full address, and DL number may have been stolen due to a cyber security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX SS XXXX XXXX DOB:XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. <P/><P/>I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX v. XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. <P/>If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you.

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 03/28/2017 about Prepaid card (Gift or merchant card) with PAYPAL HOLDINGS INC. (NY).
Issue: Fraud or scam

Complaint: Hi, I purchased XXXX gift cards on eBay from seller : paypal digital gifts, XXXX cards ( {$25.00} and {$100.00} ) on XXXX/XXXX/16 and XXXX card for {$100.00} on XXXX/XXXX/16. I tried to use them 2 months ago and balance on all XXXX cards said XXXX. I contacted paypal, the rep told me it was confirmed I never activated the card and will investigate and get back to me. 2 months after I called and paypal said there 's nothing they can do and transferred me to ebay, ebay said there 's nothing they can do as too much time passed to open a claim, I tried to tell them I bought gift cards that do n't expire and did n't expect the balances to be 0 months later, they gave me the email to the seller instead. I emailed the seller ( both email accounts ) numerous time and did n't get any replies. I heard that paypal digital gifts by accident posted the gift card numbers on line, so everyone was able to use them before the actual buyers. I 've read that many have gotten refunds already and some are just given the runaround. I keep calling and emailing paypal and they just tell me there 's nothing they can do. I do n't want to be out {$220.00}, someone has to be responsible for this. Anything you can do to help would be greatly appreciated as I have exhausted all my options. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-12-2018 about Debt collection (Other debt) with Accelerated Financial Solutions, LLC (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: OnXX/XX/XXXX around XXXX I contacted Accelerated Financial Solutions LLC about a debt placed on my credit report concerning XXXX. The original amount of the XXXX debt was for {$790.00} dating to XXXX of XXXX, Accelerated Financial Solutions LLC placed the debt as being from XX/XX/XXXX in the amount of {$1800.00}. I spoke to a representative from Accelerated Financial Solutions LLC who said his name was XXXX XXXX about the fact that he re aged the debt and also placed the wrong amount of my credit report. XXXX even read the original date and amount of debt off to me over the phone. XXXX stated he would absolutely NOT send me any validation of the debt or change anything unless I paid him something over the phone. He said the debt has been validated and paperwork was sent. I told him I have been calling and asking numerous times for validation on this debt and have received nothing, he said well it will not be sent and that I need to pay him now. By the end of the conversation he read off my home address and my email and said your request has been noted but do n't plan on receiving anything unless I set up a payment arrangement with him. I told them what he 's doing is illegal and he stated he knows what the law is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: On XXXX/XXXX/16 I filed a complaint with this office concerning the violations of Transunion on my credit report. I also filed a complaint with the XXXX XXXX XXXX XXXX. I looked on XXXX a few mins ago and now my credit score is XXXX. A XXXX point drop from yesterday. Plz I am asking for some help. They continue to leave stuff on my report and penalize me for their mistakes. I am about to lose my house, be sued, and all because the wo n't follow the law and do what they are supposed to do. I have XXXX XXXX XXXX and I do not need this stress

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 10/20/2017 about Debt collection (Medical debt) with Holloway Credit Solutions (AL).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: XXXX XXXX XXXX XXXX STILL HARASSING ME. ABOUT XXXX  XXXX OF XXXX ALABAMA HERE IN XXXX ALABAMA WHERE I LIVE. THEY ARE THREATENING TO TAKE LEGAL ACTION AGAINST ME. I LIVE WITH MY MOM AND DAD THEY HAVE PROBLEM TOO. IT BEEN 7 YEARS THEY ARE KEEPING ON WITH THIS XXXX. AND THIS WAS DATED BACK IN X/XX/15.THEY NEED TO LEAVE ME ALONE. I DO N'T IT TO GIVE. THANK YOU FOR LISTEN TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Settlement process and costs

Complaint: Nationstar Mortgage has always Said they are the real CREDITOR of my XXXX Mortgage. payment were made. Applied for modification and made all my trials payment and yet they still go ahead a foreclose using some company call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. as Trustee to Sale my property. I have forwarded a R.E.S.P.A Qualified Written Request and Truth in Lending ACT. Nationstar Mortgage still revieled them self as a TRUTH CREDITOR and presented me with a COPY OF THE DEED OF TRUST. I Filed for Bankruptcy to stop the Sale and make some kind of payment arrangement. Confirmation hearing for my plan was taken place and the knew Creditor showed up in Court for a first Time as Plaintiff Deutsche Bank Lawyer. What happen to Nationstar Mortgage, I have being dealing with ever sinced ... I was told in COURT THE REAL CREDITOR NOW IS XXXX BANK. I have sent a R.E.S.P.A QUALIFIED WRITTEN REQUEST TO XXXX BANK AND AWAITING THEIR RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On  XXXX / XXXX /   17  I spoke with a representative of the company who would not provide their name upon request. I simply asked to not be contacted as the debt in question is time barred and out of statute. The representative would not provide their name and indicated they would only honor a cease and desist request in writing. Upon my repeated requests to have my account marked cease and desist the representative transferred me to a supervisor. Upon speaking with the supervisor I was advised that the debt is indeed out of statute but that my verbal cease and desist request was insufficient and I would need to submit the same in writing. Additionally all other inquiries I made were met with a response that I can check online resources.     Prior communication had resulted in a hostile phone conversation wherein the representative refused to provide his name as well and became aggressive upon my advisement that I would be terminating the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/15/2017 about Credit card () with DISCOVER BANK (IN).
Issue: Other

Complaint: Discover closed my credit card account for inactivity. I had used it in XXXX XXXX for a cash advance. They closed my acct. in XXXX XXXX. Previously the card was inactive from XXXX XXXX until XXXX XXXX and it did n't get closed during all that time!! Makes no sense. It 's embarrassing, affects my credit score and is inconvenient for me. Can you help?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-08-2017 about Credit card or prepaid card (Government benefit card) with Comerica (NY).
Issue: Unexpected or other fees

Complaint: on  XXXX   XXXX    XXXX   at    XXXX   XXXX    I was doing what i all ways do every  XXXX  of the month and that 's pay my bills but this time things did not go according to plan the first time i went to pay my rent the trans action would not go threw it kept saying to check with the card holder for more information so I called Direct Express to see what was going on with my card i was told by their customer service rep that a with drawl of {$300.00} and {$500.00} was made from my account on mat  XXXX    XXXX   at  XXXX    XXXX   from a   XXXX   XXXX   XXXX   florida using a du plicate card i was then told to file for a investigation two wa ys the first way was to write down the  XXXX   XXXX   and h and write a letter explaining what happened also put the case no on the letter and sign it so i did that the same day  XXXX  at my local post office i received a tracking number it got there on  XXXX  i was told by a level  XXXX  rep the second way was i could wai t 3 to 5 bus iness day for them to send me the info well on the fourth business day i decided to give them a call about the letter and i was told to wait until the fifth business which is the day that i decide to take further action on  XXXX  i was told when i asked about my handwritten letter that they had never received it and the he did'nt see any information on my hand written letter but on  XXXX  a level  XXXX  agent said that everything was good to go. another thing i experienced was long waiting up to 1 hour i just have to keep calling and calling. a level  XXXX  agent is hard to get on the phone and when i do the are very impatient and disrespectful this is a very untrustworthy bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MT).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I had a consolidation loan in 1997 with XXXX of {$84.00}, XXXX the loan changed to the current navient. In short I have paid a totall amount of {$150000.00}. Of the amount paid {$130000.00} has gone to interest, {$4900.00} has gone to fees and only {$11000.00} has gone to the principle of the loan. My current balance is {$94000.00} which is {$10000.00} more than the original amount. I do n't understand this loan and have always felt I 'm getting ripped off!!! I have an automatic withdrawal every month of {$970.00} and interest rate at 8.750 percent.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Student loan (Private student loan) with AES/PHEAA (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My student loan reportings negatively affect me because it looks as if I've defaulted on several accounts, when there was only ONE, and that ONE is paid in full. I've satisfied the debt, I'm experiencing the following : - Loan appears multiple times, although only one loan was secured - Some of the student loans report as " Open '' although the balance is " {$0.00} '' and should be " Closed '' - Many payments are incorrectly reporting as current lates The following companies are involved : - XXXX  XXXX XXXX ( Listed 4 times ) - XXXX XXXX XXXX XXXX ( Listed 2 times ) - XXXX XXXX XXXX XXXX XXXX ( Listed 2 times ) - XXXX ( Listed one time ) I'd like to buy a home and secure business lines of credit to grow my business, and I can not as a result of these reportings.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have never used the address below and do n't know how or why it appears on my reportXXXX XXXX XXXX XXXX, TXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief