milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/20/2016 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (OH).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: I have been recieving repeated calls from a company called " XXXX ''. They claim that they have been hired by Ace Cash Express to 'retain a statement regarding impending legal action ' about a payday loan that was taken almost two years ago. They wont give me any further information, and claim to be a network of attorneys debating taking legal action against me. I asked for a verification of the debt and they refused to provide ... This was a red flag. I called Ace Cash Express and they say that they sold the loan last year. This XXXX companyproceeded to verbally harrass me, told be that i have been 'writing bad checks ' and 'defrauding a financial institution. ' After I asked them to remove my work number, as my company prohibits personal communications on the company line, and only contact me on my cell phone they claimed they couldnt do that, stated " I dont have time for your XXXX games '' and then hung up on me, called the owner of my company and left him a long message stating that " XXXX XXXX, your employee, is writing bad checks, and embezzling funds '' and " XXXX XXXX i really just need you to bend him over and give him a good spanking, so that he stops all of his illegal behavior you know these are serious crimes ''. I called the number back and asked for their address or contact information and they refused to provide it, but began to berate me again, telling me that they will keep calling my employer, and my family, and i would have less of a chance of being fired from my company over all of this if i just paid up. I feel that they are operating outside the law and their tactics are extremely harassing. They still call my phone XXXX four times a day as well as call my work. Their number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with SYNCHRONY FINANCIAL (CT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have an unverified account from SYNCB/SAMS CLUB. I had previously disputed this account. I have never done business with SYNCB/SAMS CLUB pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that SYNCB/SAMS CLUB Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SYNCB/SAMS CLUB Cease and Desist all further communications and collection actives and provide the verification of the purported 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 non-monetary relief
Consumer complaint received 04/26/2015 about Mortgage (Home equity loan or line of credit) with THIRD FEDERAL SAVINGS & LOAN ASSOCIATION OF CLEVELAND (OH).
Issue: Loan servicing, payments, escrow account

Complaint: I filed bankruptcy, and was discharged under chapter XXXX, XXXX yrs ago. At that time I reaffirmed both my mortgage and home equity loan, and have been paying as agreed. XXXX companies have refused to report my payments on my credit report. My report states-account closed due to chapter XXXX. This is hurting my credit score tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Not applying for an XXXX XXXX card, when XXXX changed to XXXX, was the sole reason my credit score dropped XXXX points, from " Excellent '' to " good ''. Why do I really care? Because your credit score factors into your cost for insurance, your fee for credit and in some cases whether or not you will get that job you are applying for. Why, you ask, would not applying for a card cause my credit score to drop so significantly? Trans Union, the credit reporting agency, said because I was an XXXX XXXX customer since the 1970 's and by not applying for a new card when the XXXX XXXX XXXX card was no longer valid. This caused my credit history to shorten to only 2.5 years of open credit accounts compared to what used to be 40 plus years of open credit. We know the history is still there and they have the records still on their file showing that I had a perfect credit history, however because the account is not open I get penalized. It seems backwards that because I did not expose myself to more credit that I am penalized in this way. 
Is XXXX at fault? Is XXXX XXXX at fault? Are the Credit Reporting Agencies, and their computer based scoring system at Fault? I am not sure, however I will work on getting this corrected and continue to update you, here on this page as I progress, or fail to progress, based on the " system ''. Will each of these organizations point their finger at the others? Will no one want to correct 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 07-12-2016 about Debt collection (I do not know) with ERC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent many disputes to the Credit Agencies and to Enhanced Recovery in regards to the account that they are reporting on my credit file. I have informed them many times that this account do not belong to me. I contacted the Credit Agencies and they stated that Enhanced Recovery verified that this account is accurate. But it is ironic how Enhanced Recovery will respond to the Credit Agencies but not to me. It seems to me as if they are intentionally disregarding all of my letters and the FCRA laws. I have also sent them a Fraud Affidavit and still no response from Enhanced Recovery. Not to mention, this account is still reporting on my credit file. I need your assistance in getting this matter resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GC Services Limited Partnership (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: XXXX 's has repeatedly Breach my Privacy by sharing my personal identifiable information with non affiliated 3rd parties including the Credit reporting Agencies and GC Services. I 've sent certified mail and signed for on 3 separate occasions dating XX/XX/XXXX, XX/XX/XXXX, and most recent XX/XX/XXXX sent a Breach of Privacy Notice to XXXX 's. I 've sent XXXX 's these letters opting out of these sharing practices and yet I still receive calls and letters from this company called GC Services. I 've included an attached these documents. I did finally received a response from their lawyer stating they have a right to do so. I 've attached their letter also. XXXX 's has yet to respond to sharing my personal identifiable information with non affiliated 3rd parties including the XXXX reporting Agencies and GC Services. According to the GLBA Gramm Leach Bliley Act this is a clear violation and Breach of Privacy. I did not give my permission for this DEBT COLLECTOR to contact me pursuant to 15USC1692. I never asked this DEBT COLLECTOR to open up any account in my name with my Social Security Number or any of that.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Credit card () with PAYPAL HOLDINGS INC. (PA).
Issue: Billing disputes

Complaint: PayPal opened a credit account without my permission. The charges on the account were paid on a Visa or MC credit card linked to PayPal. I tried to call PayPal to no avail. I wrote letters and sent them copies of the other credit card bills showing the charges there. They removed all charges except {$35.00}, which they insisted I owed, in spite of the proof that it was paid on another account. I have written to the Consumer Advocate for Pennsylvania but PayPal will not relinquish this {$35.00} charge. They have added penalties and now say I owe them {$120.00}! 
I have tried to do everything in good faith but they have continued to harass me, reporting this to XXXX collection agencies. This is honestly not about the money. I am not paying for something I do not legitimately owe. I am XXXX years old and have always paid my bills. I do n't know where else to turn for help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-10-2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (UT).
Issue: Money was not available when promised

Complaint: On XXXX/XXXX/17 I sent a bank wire deposit of {$1200.00} and has still not been a credit to my account on coinbase I called the customer service support number no response have been sending emails and keep getting automated emails giving me instructions how to do it and it still does not work I have followed every instruction that they required

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient, the nation 's largest servicer of student loans, has for years misled borrowers and made serious mistakes at nearly every step of the collections process, illegally driving up loan repayment costs for millions of borrowers, according to lawsuits filed on Wednesday by a federal regulator and two state attorneys general. Navient handles {$300.00} XXXX in private and federal loans for some XXXX XXXX people -- touching about one in four student loan borrowers. Every customer may have been affected by Navient 's misdeeds. Navient does not make the loans, but it holds lucrative contracts to collect payments each month on behalf of banks, government and other lenders. Navient mishandled loan payments, buried critical information in fine print and set obstacles for borrowers trying to release co-signers from their loans, among other failings, according to the consumer bureau 's legal filing. I attend XXXX XXXX XXXX, I am overpaying for my student loans and can not afford them. Navient is not willing to work with me and grant me any type of student loan forgiveness or a forbearance. XXXX XXXX inappropriately charged a 5 % late fee when certain borrowers missed a payment. I was not helped nor was I given any repayment options to get a lower payment. Now I am being forced to lose everything just to pay my loans. The reps are so nasty and mean and have no remorse for you or your situation as if it is them paying the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: on XX/XX/XXXX/2018 i was notifide my credit score dropped 45 points due to security finance reporting fals information on my report stating i am 7 payments missed and i am not 7 payments missed at all i have all bank statements proving i am currant and they also stated that there was a mistake and i have to just wait it out

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: XXXX XXXX XXXX has not been reporting my accounts to at least 2 bureaus and i have continuously disputed this issue with the credit bureaus and the company. I have had this account since XXXX 2015 and have never been late etc. XXXX XXXX has n't repoted my account in over 4mnths. They claim the are but the report agencies say they dont see the account. This is a company that is actually hurting my credit by not reporting it. Its been a headache dealing with 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 07/26/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (IN).
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint: X/X/2017 card an unauthorized use of debit card at an ATM at XXXX XXXX XXXX XXXX in XXXX, indiana. XXXX transactions, consecutively. # 1 for {$100.00} + {$3.00} fee # 2 for {$100.00} + {$3.00} fee # 3 Chase stopped the charge. Received email from Chase at XXXX about charges. Email attached. Email opened between XXXX-XXXX on X/X/2017 Immediately clicked Link to say NO these are not my charges. XXXX XXXX XXXX XXXX XXXX XXXX Link said they would call me and stop my card. Nobody called. I checked my online account multiple times to ensure additional charges were not being incurred. Clicked the link in the email multiple times on X/X/2017 because I did n't receive a call. On XX/XX/XXXX I called Chase to ensure my account was closed and to get a new card. On X/XX/2017 Chase reversed my fraud claim with this reason : 1. I reviewed my online bank account more than 2 times 2. I did n't " report '' the fraud until XX/XX/XXXX ( while reviewing my account ). Called XX/XX/XXXX to dispute again, Chase advised to go file a police report and then fax it to them to reopen the claim. Called police on XX/XX/XXXX, they said to come in Monday. Filed police report XX/XX/XXXX. Purchased police report for {$6.00} to send to Chase via fax. Paid {$5.00} to fax police report to Chase on XX/XX/XXXX XX/XX/XXXX Chase denied my fraud claim again. Called Chase XX/XX/XXXX to dispute. Advised that my claim was denied again. 1. I reviewed my online bank account more than 2 times 2. I did n't " report '' the fraud until XX/XX/XXXX ( while  reviewing my account ). Additionally, Chase said I never clicked the above link from the email. This is 100 % inaccurate and they must have an issue with their link/email tracking, as I clicked the link over 3 time. Still can click the link today and nobody calls. I should not be penalized because their method of fraud alerts does n't work when customers respond. Had the email said, call us right away if these were n't your charges, I would have called, but they did n't not do that. They said click this link - I did. Their link failed them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-06-2017 about Mortgage (FHA mortgage) with PENNYMAC LOAN SERVICES, LLC. (MA).
Issue: Loan modification,collection,foreclosure

Complaint: My mortgage loan was sold from XXXX XXXX XXXX to PennyMac in XXXX of 2016. I had at that time been approved for a mortgage modification trial payment. In XXXX, when my first trial payment was due i called in to make that payment. The phone rep asked me my checking account number for the payment. I told them i would like to pay with a debit card, my reasoning behind using that form of payment was that i am on a fixed income and i only get paid once a month so i had to wait till the end of the month for the payment ( within the 30 days required of course ) and i wanted to make sure that payment was made instantly in the event the checking account took to long as i was making sure other payments did n't go through first. This would have put me in a place where my trial payments were not late. 
The rep would not accept the debit card as payment so i was only left with XXXX option of paying through my checking account. The second month came around and i made the payment through my checking account, and the payment bounced as i was n't able to make a more immediate payment with my debit card putting my loan payment through as a priority. 
When i went to make my final payment in XXXX i was told i was kicked off the modification trial agreement. I stated at that time if there were any funds missing i would be able to ensure those payments were complete and they would not discuss this with me. Where i do realize the terms of a modification trial payment is to make the payments on time, i feel as though i was almost set up to fail by denying me an alternate form of payment. I was told " no banks take payments through debit accounts '' which is an absolutely XXXX statement as ALL the accounts i have had accepted those types of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have repeatedly contacted XXXX, XXXX, and Experian for inaccurate reporting and calculation of my FICO score, but they refuse to correct it. 
They have multiple companies " alleging '' I requested credit, and their reports do not reflect my multiple car loans, all paid 100 % timely, in full and paid off, mortgages and student loans all paid timely, in full, and paid off in full timely!

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 03/30/2016 about Debt collection (I do not know) with Hunter Warfield, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: They are falsely reporting negative credit information to the XXXX credit bureau ; I have done no business with this company, yet they continue using my social security for negative reporting. The debt is not mine, I never incurred this debt. I called the company listed as the debt collector, they immediately discounted what I stated and hung up the phone. I called back, the representative failed to listen to what I tried to explain about the debt not belonging to me. They asked me if I knew a certain individual name XXXX XXXX, I explain to them I did n't know who that person was. Representatives XXXX XXXX, and XXXX XXXX both accused me of being the person with the debt when in fact they could match my social security numbers with what they have on file and they will discover they have the wrong person. I also ask them to provide me with a document with my signature, however they refused. The company name is Hunter Warfield , Inc located at XXXX XXXX XXXX XXXX, XXXX XXXX Florida XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (Other debt) with CL HOLDINGS LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: A company just reported to my personal credit file that I owe XXXX XXXX which is NOT accurate at all. I DO NOT OWE XXXX ANYTHING. This is FALSE information and this is violating my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2015 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: The credit bureau did not give me a proper investigation in accordance with the FCRA. I asked them to send me the names of the individuals they contacted for verification, along with their addresses and phone numbers so that I can follow up with them. Had to remind them that they have 15 days to comply with the law by providing the requested information in compliance with FCRA, Section 611, part B, subsection ( iii ). Still no complete investigation. I asked them to verify the following questions which I have the right to : 1. Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 
2. What certified documents were reviewed to conclude your investigation? 
3. Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
4. What did it cost your company to obtain the documents needed to complete your investigation? 
5. Please provide proof of your timely procurement of certified documents. 
6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (NV).
Issue: Managing the loan or lease

Complaint: I have requested a payoff letter with my name and the VIN number of the car from Ally on Monday ( XXXX/XXXX/2016 ). I was told that it would take 72hrs. Today is Wednesday ( XXXX/XXXX/2016 ) and I have n't received anything by either fax or mail. I have contacted Ally and they keep telling me to wait but it has been more than their allotted time frame and I really need this document. When I request the letter to be sent overnight by XXXX they ask me to pay for it. Why should I pay for something that they are already late for it? Everytime that I need something from Ally it always take 1-2 months. This is just the worst bank EVER. Never doing business with this bank 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