milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2018 about Payday loan, title loan, or personal loan (Payday loan) with BlueChip Financial (TX).
Issue: Struggling to pay your loan

Complaint: Got a loan threw XXXX XXXX and the I got laid off at work I called tryed to work something out so they didn't want to help me so I stopped paying it now I get call all day with threats I'm goin to jail and I got warrants and loan was for XXXX now they trying to make me pay over thousand dollars my family gets all the calls to and threat my parents with about me going to Jail that they r goin to have investigator go to my work it stress me out so much I always feel sick and worried that someone going to show up to my work I got like 6 other loan company doin the same thing I can't remember there names or phone number I get loan calls all day it's like being harrassed it's embarrassing

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Billing disputes

Complaint: I missed a XXXX XXXX flight due to late cruise ship arrival at XXXX On Saturday XXXX XXXX, 2016. I could not call and I did not expect a refund. That day I called to make a new reservation for the following day. I then called hotels and found they we all booked due to weather issues. I immediately called back Spirit to cancel the reservation and was told that I could not because it was less than seven days since I made the reservation. Well that was obvious. I argued to no avail. I later found out that I could cancel the reservation within seven days as per XXXX XXXX on-line cancellation policy, see attached document. I then called and spoke to a Capital One reservation agent and described my plight the agent, name XXXX, Operator Number XXXX she assured me I would not get charged. I was subsequently was charged and disputed the charge see attached document dated XXXX XXXX, 2016. The charge was subsequently reversed. I was notified there was additional information from XXXX XXXX by Capital One on XXXX XXXX, 2016, but I did not receive any additional information until XXXX XXXX, 2016. Capital One stated that they were recharging me the {$490.00}. The letter XXXX XXXX sent see attached is completely untrue and they failed to follow their own policy. I received a letter on XXXX XXXX, from Capital One that completely ignored the issues I outlined in XXXX XXXX XXXX 2016 letter to them and they closed the case. Capital One did not follow required guidelines in resolving my complaint. The issue was not resolved within 2 billing periods as required by law. I have never felt so aggrieved by XXXX companies as I do these XXXX. Please help me to remove the charge from my account. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/14/2017 about Mortgage (Conventional fixed mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: The Company locked me out of my house again for the second time after letting them know I was in the middle of moving and the house was not vacant! I still have my personal belongings in the house! I called the company several times and they have still not gotten back to me. What kind of monsters are these people? I am a XXXX, single, XXXX woman in Bankruptcy XXXX and I was working with XXXX to modify the mortgage. Rushmore hired a company to break in and change my locks. When I finally got into my home, I discovered the company they hired stole my personal belongs that I had packed in 20 boxes ' They have a sale schedule on the XXXX of XXXX. This is illegal ' I have sent them my authorization letter for them to speak with my attorney to get into my house and my attorney sent them an authorization letter and Demand. They are refusing to speak with my attorney and will not take his calls. They said they have to wait 24- 48hrs. This is my house and they have caused me emotional stress and harm mentally ' They also have advertised to sell all my possessions in the sale ' XXXX either sold, owns, or is the servicer of the mortgage to XXXX/ XXXX / Rushmore address. I send a Qualified Written Request letter to all companies to find out who the real lender is. I am also challenging all the security deeds as they said that I and my ex-husband XXXX XXXX executed them and that XXXX is out Attorney in Fact. The property description and the deeds are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Bank account or service (Other bank product/service) with PAYPAL HOLDINGS INC. ().
Issue: Account opening, closing, or management

Complaint: Paypal has limited my account and is holding my money all because I share the same address as someone else with a limited account. I request that Paypal lift the limitation off my account. Paypal : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/21/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: called to seek forbearance in XX/XX/XXXX and XX/XX/XXXX. got approved for XX/XX/XXXX. XX/XX/XXXX they say i max out. told them i was unable to make payment with low income. called to tell them im in XXXX school and was told i can get deferment. call back in XX/XX/XXXX and was told different and that i cant get deferment and that there no options that they can help with.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have had recurring issues with Hunter Warfield attempting to collect a debt that I do not owe. In 2013, I disputed the entries that this company made to my credit reports. I was able to get these items removed from the credit bureau reports after I threatened to sue Hunter Warfield for its blatant violations of the Fair Debt Collection Practices Act. I recently became aware that they are continuing to report the same false information to XXXX XXXX XXXX. I am upset because I feel I have already made it quite clear to Hunter Warfield that this is not my debt and I will not be paying it, and that by continuing to report this debt they are breaking the law. Given the length of time that has elapsed, I am granting Hunter Warfield a grace period before I decide to exercise my right to take them to court for violating the FDCPA. I am hoping that the Consumer Financial Protection Bureau will be able to mediate this matter before I am forced to take this company to court.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 08-07-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This account keeps leaching into my credit file on Trans Union XXXX Credit reporting data bases. It has been removed from my credit file once already under a different name and now reappears under a new collection agency name. 
This is not mine and I am really tired of all this drama.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Transunion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and i am requesting that ALL inquiries be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2015 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (CA).
Issue: Taking out the loan or lease

Complaint: i got a auto tital loan to buy a new transmission for my truck. i paid WCC blindly on the for over 14 months ..thinking it was also going to help my credit as they told me it would..but i found out they only gave me {$300.00} credit toward the principle ... after over a year of paying {$200.00} per-month. i tried to get mediation with the consumer affairs office in XXXX XXXX with XXXX XXXX, at XXXX. Her e-mail is : XXXXXXXXXXXX. 
XXXX XXXX, Mediator Department of Consumer and Business Affairs ( XXXX ) XXXXXXXXXXXX had a conversation with the manager at WCC : XXXX XXXXWCC Servicing Supervisor, Wiltshire Consumer Credit Fax : XXXXXXXXEmail : XXXXXXXXXXXX said he would write a new contract and i suggested XXXX payments of XXXX each and im out of the contract.. he agreed and never sent the agreement as he said he would in XXXX hrs. 
today 's date is XXXX XXXX he has not sent any file or contact. i have emailed, called and called the XXXX women down town with Department of Consumer and Business Affairs ... no one has responded. for the last 2.5 weeks the collection natzies of WCC have been calling me XXXX times per day-harassing me to pay-being very rude to me-hanging up on me XXXX times-over talking to me ... telling m to pay and threatening me- the supervisor has not called, emailed or sent a new contract- i went to the web page and its down ... not working .... 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- issues -- -- -- -- -- -- -- -- -i feel stressedi cant sleepI 'm extremely frustratedi caught a guy looking at my truck in front of my house i think he was trying to repo my truckall my tools and my job needs my truck I 'm am a handyman .. 
-

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My name is XXXX XXXX I will start off by stating the facts and what happened, my son went to purchase a truck, the truck he already had was in my name since I had worked on my credit and gotten it up to a descent score. My son however and I thought he was listed on that truck because he was making all the payments so we thought he was building he credit to, but he was n't, anyway he went to XXXX XXXX  XXXX and they talked him into buying a truck and trading that one in, since it was in my name they needed me to sign off on it which I had no problem. Then I was told that I needed to be a Co-signer on the new truck and my credit was already ran and they had all the paperwork on hand they only used one bank which was XXXX and I said okay I have no problem, only to see my credit report after I sent a picture of my ID through my phone with over seventeen banks ran my credit in one day '' '' I was Floored '' I talked with the manager there and was told that it was a new salesperson that did n't know what he was doing and he was trying to get me the best rate, I told him I had already spoken to someone that told me that all that was already handled and all I needed to do was send my driver license and they could have my son bring the papers down everything was taken care of and my credit was only ran once through one bank XXXX. This was a bunch of XXXX  because I was notified that it was ran seventeen times in one XXXX day bringing my score down after I worked so hard paying my bills on time and to have all my hard work crunched in a matter of minutes I just do n't see how they can get away with this.

Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have disputed Diversified Consultantso several times asking for them to validate the debt. To date I never received any communication from the collection agency. I am requesting to remove all collection accounts from all bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (CA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: First supervisor we talked to had said that THEY WOULD work with us and that the account WOULD NOT go into Active Collection until a future date, she also said that they would contact to other people on the account in order to collect their portion of the bill. The second person we talked to had stated that they do not work out deals and that the entire amount would have to be collected over the phone on the spot or else the account would be immediately would be sent to Active Collections. Also threatening to mark the account as " Refused To Pay '' when we said we could not pay it at that exact moment but could pay it in a few days. Then once we had told him that there were more people on the account and that we were all splitting the cost with he was then Refusing to contact them saying that we needed to pay immediately before the phone call was up. This second person was being very unprofessional using harsh language ( not explicit but very disrespectful ) and kept implementing scare tactics in order for a payment to be made. and when we told him that we talked to a supervisor and they had given us such information he said that they do not do anything in such manner. Finally during the midst of the entire conversation he unprofessionally had thrown us on hold with out saying a single word right in the middle of my sentence when I was explaining something to him.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Sortis Financial, Inc. (WA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: In XXXX XXXX our mortgage was transferred to this company from XXXX We went 4 months without receiving a statement. The loan was paid off. XXXX incorrectly reported to the credit bureaus that the loan was over 120 days late over {$1.00}. We have repeatedly contacted XXXX and they agreed to remove all aspects of any reporting to any credit bureau. As of todays date, XXXX and XXXX are still reporting this account. We simply want it removed. 

XXXX agreed to remove this. See attached letter. Yet it has not happened.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a correspondence to Hunter Warfield at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXXThird Party CollectionsI demanded a validation and verification basically some form of contract background. I received a letter stating that the account could not be verified and that they would send information to the XXXX Major credit bureau XXXX, XXXX, XXXX to have the account deleted and removed. The account in question was deleted from my XXXX XXXX report. However the account was reported as being closed on my XXXX and XXXX reports when it should have been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (CA).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I opened my credit card in XXXX, and I finished all the spending requirement on XXXX XXXX, after few weeks, I had n't got any bonus from XXXX, So I online chatted with them 2 times, the answers were just waiting. after 12 weeks, still no bonus posted, then they opened a case for me. but now already 1 month later. still, nothing coming to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIFTH THIRD FINANCIAL CORPORATION (GA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: In XX/XX/XXXX I filed for bankruptcy chapter XXXX which was discharged, and a chapter XXXX which was dismissed. I went to fifth third bank to reestablish my credit. They started me off with a second chance checking account and a secured master card, stating this would rebuild my credit if I paid my balances on time I would be eligible in two years apply for an unsecured credit card where my past bankruptcies would no longer be an issue along with a fair credit score. So on XX/XX/XXXX, I  applied for an unsecured credit card and was denied because of my past bankruptcies. This was a total contradiction of what I was told four years earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Consumer Financial Protection Bureau ( CFPB ) this is my ongoing attempt to resolve and correct this injustice. Attached are the Denial Notices that should have been offered with Complaint XXXX. These Notices will be added to the already numerous amount of Credit inquiries that currently exist on my Credit History Report which I have been told will remain on the Report for a period of ( 2 ) years. The Credit Denial Notices are based on unlawful and outdated information that was supplied by one of the Credit Reporting Agencies ( Trans Union, XXXX and XXXX ). The behavior of these agencies is causing additional inquiries to be posted to my Credit History. It has been my experience that these agencies take turns sharing erroneous information acting out and a reflection of their own prejudices. For the record the Denial Notices indicated that the Creditors supplied with Credit History information indicating that there are and was Delinquencies, public record or Bankruptcy. This incorrect and erroneous information was supplied and offered by XXXX. Many attempts have been made to clean and correct the Credit History File over the past 10 years, what XXXX claimed took place almost ( 40 ) years ago and the sharing of that information was irresponsible, irrelevant and prejudicial. However what occurred was a Bad Creditor forced me into the Delinquencies and Bankruptcy and for the record I want except or tolerate any Creditors who hide behind bogus agreements and faulty merchandise just like Credit reporting agencies who erroneously and falsely share unlawful and outdated information. The Denial Notices offered the erroneous explanations for why the Credit Applications were DENIED however the bad behavior of Trans Union, XXXX and XXXX failed to stop or discourage XXXX XXXX from approving the $ XXXX Loan. XXXX XXXX approved the vehicle Loan Applications withstanding the current false and erroneous information that was offered by Trans Union, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2016 about Student loan (Non-federal student loan) with United Student Aid (USA) Funds (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Was a student at XXXX XXXX College and I believe I was a victim of the predatory lending practices.I was also saddle with hight interest private loans that I did not know about until after I found out about there accreditation. And was Fortunate enough to get out. But I 'm still saddled wit almost XXXX dollars worth of bad debt. This was in XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed
Consumer complaint received 07-08-2016 about Mortgage (Conventional fixed mortgage) with U.S. BANCORP (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Hello -- My mortgage was bought by US Bank who have, until recently, a policy of collecting the mortgage due for a month up to 5 calendar days from the beginning of the month for which the payment is to be made ( my account details with US Bank can be made available to relevant CFPB personnel on request ). They recently changed their policy stating that even if the payment is made within the first 5 calendar days of the month for which the payment is due, they will collect an " online payment fee '' of {$5.00} if it 's made after the XXXX calendar day of the month. I paid my XXXX 2016 payment by XXXX XXXX and they charged me this {$5.00} online payment fee. 

This was a major change, as most customers have been : 1 ) accustomed to paying within the first XXXX calendar days without incurring any fees, 2 ) was not adequately communicated to us and 3 ) when I called their customer care number they were unwilling to consider any of my points and just insisted that they had informed me by putting this somewhere on their website. I would submit that such major changes should be : 1 ) adequately communicated, specifically with emails or prominent alerts as soon as XXXX logs into one 's online mortgage account and 2 ) banks should be willing to return the amount if this has not been adequately communicated. I concede the amount is small, but after the whole mortgage servicing mess, XXXX, the banks seem to have still not learnt any lessons, and keep on nickling and diming their customers out of all sorts of fees for very little-to-no work. 

I would request the CFPB to look into the possibility of the bank refunding me this amount, on principle. and ask them, in the future, to announce such major changes prominently on their website or through their communications with their clients. 

Many thanks, 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 09/22/2017 about Debt collection (Credit card debt) with Radius Global Solutions LLC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This collection agency by the name of XXXX XXXX XXXX currently has a debt under my name from XXXX XXXX. I called on XXXX2017 at XXXX to make a deal on paying this account in full and spoke to the Manager who did not reveal his name. I asked him if I had the option to pay this account online or via phone by making partial payments. He told me I did not have the option to pay the balance I owe online and that I had to make a one-time lump sum payment through the phone. I tried to reason with this agent and told him that I was only able to make partial payments towards paying off the balance but once again I was unsuccessful in coming to a convenient and reasonable payment arrangement. I ended the call by thanking him.

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