milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/22/2017 about Payday loan, title loan, or personal loan (Title loan) with WHEELS FINANCIAL GROUP, LLC. (CA).
Issue: Struggling to pay your loan

Complaint: I have a Title loan with XXXX. 

I lost my job and the job I have now only pays minimum wage. These are aggressive collectors and I need help. 

They repossessed my vehicle last year and did extensive damage to it. After I recovered it from the Repo yard, i found that it had been crashed and had significant damage to the front end & interior. Both front fenders had been ripped out and were thrown in the back seat. The interior smells like methamphetamine smoke and cigarette smoke. Even now over a year later, I ca n't get the horrible smell out of the vehicle. 
These criminals call me over 15 times a day. Call and threaten me and friends and work associates whom were named as references when I first applied for the Title Loan. The interest rate on this loan is upwards of 30 % and I have been charged ridiculous penalties and junk fees by this criminal enterprise. I need help. I need to have my loan re-structured with them and new payment arrangements. I can barely afford to keep my family housed and fed and without my vehicle, we will be completely ruined. I have limited access to documents right now but I will certainly have any documentation you may ask for. Please help me as soon as possible. This is an urgent situation. 

Thank you, XXXX XXXX ( XXXX ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Deposits and withdrawals

Complaint: After numerous iterations with the bank things were finally resolved as far as the amount of a payment on XXXX/XXXX/16 during a conversation that I had with one XXXX around XXXX. I was told that I would be debited XXXX per month starting XXXX XXXX and that I would be billed XXXX for XX/XX/XXXX and XX/XX/XXXX and that I should not do anything until I receive the new bill. On XX/XX/XXXX ( ~XXXX ) I called again and spoke to one XXXX ( sp? ) who informed me that once the direct debit is set up they will not send a bill - which had been set up in XX/XX/XXXX. I was specifically told that the XXXX/XXXX/16 direct debit would be in the amount of XXXX and that I must send in a payment for XXXX that must be postmarked no later than XXXX/XXXX/16. I remitted the payment as instructed and have proof of payment on or about XXXX/XXXX/16. On XXXX/XXXX/16 I discovered that a unauthorized direct debit in the amount of XXXX had been processed against my checking account. I called the bank ( XXXX, XXXX XXXX requesting that the debit be reversed as it was not an authorized amount and was told that a ticket would be opened and that I would receive a call back within 3-5 days. I explained that this had the potential for overdraft fees to be incurred and requested that the matter be escalated to the executive office : I was told that they would not do so, but would have a supervisor call me. I received a call later that day from XXXX XXXX who also refused to open an executive office compliant, but who gave me an email box that I could complain to. On XXXX/XXXX/16 ( ~XXXX ) I received a call from XXXX telling me that they were processing the refund, but that there was no information as to the form ( I requested that the money be direct deposited to the account that it was taken from - an account within the same bank ) or the timing of said payment. Finally today ( XXXX/XXXX/16 ~XXXX ) I received a call from XXXX informing me that the refund would be issued with a check being cut XX/XX/XXXX or XX/XX/XXXX that we should receive by XX/XX/XXXX or XX/XX/XXXX. I explained that this was unacceptable and that I wanted this matter escalated and was given the name and number of his superior ( XXXX XXXX ) - I called and left a voice message but have not yet heard back. 

It is totally unacceptable that a bank of this size should be unable to correct THEIR mistake and that it should take up to 20 days to return funds that were never authorized to have been removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AE).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I SENT THEM A DEBT VALIDATION LETTER ON XX/XX/2018. THEY ARE UNABLE TO HARD COPY PROOF VALIDATE THE DEBT.

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 03-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I really need help because I have been disputing a few accounts on my file for a few months and I am getting no where with the bureaus. I asked for their assistance and I did not receive it. I asked for them to put a temporary fraud alert on my file and they did n't. I asked for the documents that were used to " verify '' these accounts and they did not provide them. this is my last resort and I have already consulted an attorney in regards to bringing a lawsuit against them. why are they making this so difficult to remove these inaccuracies when that is their job to make sure this stuff is actually accurate? They did not investigate these accounts and if they did, they would have the documentation to validate these accounts.

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 11/20/2017 about Debt collection (Other debt) with Focused Recovery Solutions, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: They tried to get me to settle with XXXX XXXX XXXX XXXX for {$580.00}, I rejected their offer on XXXX-2017, I told them not to send me any more bills from them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2015 about Payday loan () with CASHCALL, INC. (PA).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a loan for {$2600.00} on XXXX XXXX, 2012. I paid a total of {$6100.00} to Cashcall for this loan. However, the terms of the loan were misrepresented to me. The APR was 139.12 % daily which would mean that I owed a total of {$14000.00} for the {$2600.00} loan. I would not agree to that if the terms where clearly listed and explained. They later reduced the interest to 6 % daily and now they claim I still owe {$2000.00}. I do not believe I owe this balance. Payday loans are illegal in Pennsylvania also I have already paid back the loan plus a reasonable interest rate on the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Collection Bureau of the Hudson Valley, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: When I received the first call I said not to call me at work. Then I continued to receive calls that would advise it is the Hudson valley and to push a button on the phone to connect with an operator. After I started to write down each time I received a call at my place of employment. It has been 6 months and they 're still doing the same.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2017 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Released tax lien from XXXX XXXX Register of Deeds filed XX/XX/XXXX and released XX/XX/XXXX and XXXX XXXX Register of Deeds file XX/XX/XXXX and released XX/XX/XXXX. I relocated out of the XXXX on XX/XX/XXXX and I relocated to XXXX. According, to the Taxpayer Rights Handbook available on the State of XXXX Website, as a resident and taxpayer, I was entitled to specific notifications prior to the state of XXXX placing a tax lien on me. I did not receive proper notification. I did n't receive any notifications at my XXXX address. If I had received the proper notifications a tax lien would have never been issued. I was made aware of the liens via credit application in XXXX in the State of XXXX and immediately addressed the liens. I am requesting removal of the liens from all 3 credit reporting agencies. I have disputed multiple times and each time XXXX, Experian, and XXXX states " the lien has been verified '' but the State of XXXX states " they do not report to any credit reporting agencies.

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 01-07-2017 about Bank account or service (Checking account) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: US Bank is telling me a charge to my acct. was n't an unauthorized transactions because I used the acct. before to pay these people Which is true but I did n't authorized them to take out a payment form US Bank on XX/XX/2016 and they refuse to accept the dispute and keeps adding more fee 's to my acct. I have complained about this now for over XXXX days for this unauthorized charge from XXXX for {$91.00} on XX/XX/2016. I sent in proof showing this was paid on the XXXX from my other bank as I planned to do If I would have saw this {$91.00} had posted before I transferred {$1500.00} I never would have put that money into the acct. and I refuse to put the balance due for the {$1800.00} after the {$1500.00} dep. that would have been eating up by this {$91.00} charge because I was n't going to pay this unauthorized charge now they are saying my acct. will be closed by the XXXX for these outrages charges and not doing their job to respect that the charge was " UNAUTHORIZED '' I have been charged ( {$190.00} ) in FEE 'S after charge of {$91.00} I Did Authorized charge for {$1800.00} ONLY! nothing else! ... I was n't going to pay all these fees just would eat that money up and Keep Doing What It Is Doing NOW! Overdraft, Extended Fee 's etc ... If I would have saw this I would n't have put that {$1500.00} into bank I REFUSED TO PUT ANY MORE MONEY IN MY ACCOUNT UNTIL THIS IS CLEARED UP AS YOU SEE ITS BEEN XXXX DAYS & STILL NOTHING HAS BEEN DONE US BANK BUT TO PUT MORE & MORE FEE 'S THEN TO CLOSE MY ACCOUNT WITH ALMOST {$200.00} IN JUST FEE 'S EMPLOYEES ARE N'T DOING THEIR JOB TO BUSY TELLING ME WHAT THEY THINK IT SHOULD BE OR WHAT HAPPEN! I 'm making complaints to BBB, FEDERAL RESERVE, cfpb, TOP CLASS ACTION LAWSUIT INVESTIGATION - Into 'Extended Overdraft Fee ' or 'Continuous Overdraft Fee ' Overdrawn Balance Charge,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 09/23/2015 about Debt collection (Credit card) with Frederick J. Hanna & Associates, P.C. (closed) (IL).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: violators of fcra, fdcpa, and tcpa.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Mortgage (Conventional fixed mortgage) with United Shore Financial Services, LLC (CO).
Issue: Loan servicing, payments, escrow account

Complaint: My issue centers around poor customer service, inaccurate escrow information ( advisement of a refund and withdrawal of that with no notification ) and lack of response to multiple service and escrow complaints. I knew I was going to have a wide fluctuation on property taxes ( due to building a new house on vacant land ), and contacted United Wholesale Mortgage my mortgage provider. I left multiple phone calls to an individuals voicemail in the Escrow Department and after XXXX months, never got a call. I would also call Customer Service and they said they would leave a message for someone to call me, but once again, no one would ever call. I was able to speak to a few CS reps, one of which helped to calculate my new escrow payment and they advised me of my refund. Three weeks went by and no refund. I called in again and found out they calculated it wrong because they were not an escrow representative and was told I was getting appx 50 % of what they told me as a refund. When I asked why I was n't notified in writing, they had no answer. I asked to speak to a Manager and he advised that he would pull the calls and call me back. I left him several messages over several weeks and never received a call from the Manager with an explanation. I also never received a revised escrow statement until I had to call in and request XXXX. This should have been provided since they recalculated my payment and my refund. I have since submitted a Complaint to their Complaint Department and they have had it for XXXX weeks with no response. While I have n't been financially violated, I am getting the worst service ever and have never been able to speak to a live Escrow Agent at this company. They claim they only let you speak to their front line Customer Service Reps and then the escrow agents do the work behind the scenes. This might be fine until the CS Rep calculates the wrong refund amount, they then Escrow Dept changes it, they hold back the check they were supposed to send you and never advise you that you are not getting the first check and the amount of your refund changed. I find this to be completely unacceptable and would appreciate your assistance in helping me get action and a response to this matter. I have never seen a firm NOT respond to a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Credit reporting () with EQUIFAX, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I regularly check my credit information with XXXX. In XXXX of XXXX I discovered I had a delinquent account despite not receiving any notification of such. I was able to learn that it is a collection agency called XXXX XXXX XXXX XXXX reporting an amount of {$130.00} owed to XXXX. The problem that I have with this, is that I never received any notification from a collection agency for that amount in the last 5 years. In fact, I currently have a XXXX account but have not had XXXX in my name ( before the one I opened around XXXX or XXXX of this year ) since sometime around XXXX. I disputed the report with XXXX and they removed it immediately. Equifax has not removed it, I have not been able to contact the collection agency to have it removed but I do not think that it is acceptable to put a 5 year old debt back on to someones credit report with a new, more recent date!

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY ().
Issue: Loan modification,collection,foreclosure

Complaint: Hi iam disgusted companys are offering help to people in forclosure but they have to own less than 50 % equity in there property? CFPB & lt ; that rings alarm bells for me, That is admitting that you have no chance of keeping your home, because the banks will retail through a third party i am fully aware of this situation haveing bee a victim of fradulent forclosure and perjury i owned over 50 % equity in my home that wells fargo / wachovia / XXXX stole numerouse court compensation orders to pay? but guess what no compensation recieved you are skaming the consumer in the usa wells fargo are crooks and you let them trade to ripp off more people and houses i request to have my numerouse cases investigates by whom the cfpb have to comply to the state senate you have stalled thhis proceedure and you are lieable for neglegence because you have not prosecuted i demand a senior member to contact me over this fraudulent activity by you and wells fargo bank i have just sent my full complaint history to the XXXX foriegn secretary acusing wells fargo bank of fraud, perjury, committed in american court of law, i have been treated unequal to american consumer i request this information by return iam send all correspondance involved in the case no missed paymants FRAUD committed

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 05-05-2015 about Credit reporting () with EQUIFAX, INC. (HI).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Per conversation with CFPB this morning, I was advised to respectfully request please attach all documents from case # XXXX to this complaint against Equifax Reporting Agency Credit Reporting company 's investigation ... into Creditor name/info, balance, payment, etc./ Account status -- Paid bill on time, account closed, etc./ Personal information-Wrong address, etc. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: I attempt to get free annual credit report and unable to get it online. I called XXXX and number provided on website the department is closed when hours are XXXX - XXXX EST. I always have a problem trying to get my free credit report. I need help.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I got a call from XXXX agent over a year ago about not letting my school loan default. Not really knowing much and talking with them I found about forbearance to get them out of default. We did the paperwork and they determined with XXXX kids and my pay I would have {$5.00} taken from my paycheck per paycheck. Then after a year I would get contacted by a new collector. I never did and then a bill from Navient showed up and I had to call to make sure they were n't a fraudulent company. Found out they were part of XXXX and I had just recently paid a CC off so I started sending that money in twice a month towards my loan. So I went from paying {$10.00} that XXXX had taken from my check to {$100.00} a month. Last month I got a final notice letter from Navient. I called and asked why? They said I had n't been making large enough payments and I explained all this to XXXX ( # XXXX ) and asked for all info in our conversation and the paperwork I needed to fill out, to get my payment recalculated as before when XXXX had done so, emailed to me along with conversation. I did receive a email but could n't respond to it and still have not received the paperwork I need to fill out. Very frustrating as I am working hard to provide for my XXXX kids and rebuild my credit score after my divorce and find out they are reporting me.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Credit card debt) with DISCOVER BANK (OK).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: Prior to the   XXXX   recession, I was issued  a Discover Card w ith a limit around  XXXX . I was employed at the time, able to make payments. A week or  two afte r receiving the card, I received a call from a telemarketer selling Discover Bank 's protection policy. I was reluctant until the lady started going through all the benefits. I drug my feet, then she said that if I ever lost my job, through no fault of mine,  That  Discover Bank would pay off the balance owed on the card. In   XXXX   I was let go from the company I worked for due to the economy. I was also having health issues which prevented me from obtaining further employment, which at the  time20 %  of  XXXX  was out of work. I filed for Social Security  XXXX  which took over 3 years to complete.  XXXX  is my only sores of income. I currently live on the   XXXX   XXXX   in Oklahoma of which I am a tribal member.   Discover Bank filed suit in    XXXX   XXXX   NE . I received the summons, wrote a reply back to the Judge and then never heard another work until I received a notice in the mail that a hearing was held that I knew nothing of so the Judge awarded Discover Bank what they were asking for. I went back to visit with th e Judge  stating my side of the story and to remove the judgement. He said it was too late to remove it. He gave me all of  ten min utes of his time and then excused from the courtroom leaving me standing there before he heard all of my side of the story. I 've tried to get Discover Bank to dismiss the judgement but they will not budge. After doing research on the internet, I found complaint after complaint concerning Discover Bank operating practices. I 'm not the only fish in the barrel it would appear. There have been class action lawsuits against Discover Bank concerning their protection plan. We are at a stalemate. They can not garnish my  XXXX  payment and I am holding them to their word. Plus I have not the funds to pay them back. I am a product of the   XXXX   recession in bad health being held  hostage by a disreputable bank. The bank a long written off the debt, selling it to bill    colle  ctors for what eve r they can get.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Credit card () with Synovus Bank (CA).
Issue: Billing disputes

Complaint: I have a secured credit card through First Progress. I deposited {$400.00} with them so I have a credit limit of {$400.00} with a balance of {$340.00}. That means I had available balance of {$55.00}. I sent XXXX check on XXXX/XXXX/16 in the amount of {$50.00} then proceed to send a XXXX check in the amount of {$400.00} on XXXX/XXXX/16 to over pay my credit card. First Progress received the money for the XXXX check and took the money out of my account and posted it. That means I should have a negative balance of about - {$100.00}. They then proceed to tell me that I have an available balance of {$0.00}. They told me I have to wait 10 days to use my card again because I over paid it. My money is being held hostage and they take my money but will not allow me to use it. They are holding my funds while being in good standing and paying my credit balance before the due date while always paying more than the minimum every month.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: customer service would not help and take care of the negative inquiries i dont recognize reporting to my credit report. 


XXXX inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX DE XXXX XXXX XXXX inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX DE 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