milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2017 about Consumer Loan (Installment loan) with Quality Lenders Inc (SD).
Issue: Problems when you are unable to pay

Complaint: I had taken out a loan with Quality Lenders and my grandmother passed away, I came home after services to find out the company I worked for had decided to let me go. I explained this to them and said I would pay as soon as I could. They never offered me a settlement on the debt, they also never offered a payment plan. They harassed me on XXXX as well. The girl 's name was XXXX and her XXXX said " XXXX XXXX '' with the information for Quality Lenders, they violated my right to privacy by doing so. They would comment on pictures that all of my friends and family as well as potential employer, and anyone who might look at my XXXX page see. I had to block three profiles. It is now in the courts. I paid XXXX before I left home. The balance should have been about XXXX. I got a paper in the mail for nearly XXXX. The companies have since closed in South Dakota. I feel that I have been harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 05-06-2017 about Debt collection (Auto debt) with Experian Information Solutions Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.           XXXX   XXXX   XXXX   Account #  XXXX  Account Type Auto Financing Companies Balance {$21000.00} Past Due {$1900.00} Date Opened  XXXX / XXXX /  XXXX   Payment {$0.00} Payment Status 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 06/19/2017 about Payday loan, title loan, or personal loan (Installment loan) with Social Finance, Inc. (TX).
Issue: Getting the loan

Complaint: they pre approved me for a loan between  XXXX  and  XXXX . After I sent in my paystubs they cut the loan back to  XXXX  when I had requested  XXXX  and had been pre approved for it. The income I stated on the application is the same info that matches my paystubs. Now I have an inquiry on my credit for something I do n't want. I agreed to the credit pull for a loan of  XXXX  not  XXXX . No one has explained to me why the loan was cut back so far or for what reason. Now I am also left with an inquiry on my credit for a loan that 's not enough to refi my debts. This is a total bait and switch scam.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Prepaid card (General purpose card) with PAYPAL HOLDINGS INC. (MS).
Issue: Managing, opening, or closing account

Complaint: I have XXXX PayPal accounts. PayPal restricted all accounts in XXXX 2014. They were very difficult to reach. When I did reach them, they asked me to send them some information, which I promptly faxed to them. I called them once again, and they told me they would release my money in 6 months. While I was extremely unhappy about them essentially stealing my money for 6 months, I decided to wait it out. Now, it 's been more than 6 months, and PayPal will not give me my money. 

XXXX account is XXXXXXXXXXXX. I has {$180.00} in it. Another account is XXXXXXXXXXXX. It has {$310.00} in it. The last account is XXXXXXXXXXXX. It has {$700.00} in it. 

I would greatly appreciate your assistance in getting my money back. 

Thank you, XXXX XXXX

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 04-02-2018 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: In reference to Complaint XXXX the response by TransUnion was not complete and the credit reporting agency is still breaking the Consumer Credit laws. My Method of Verification request sent on XX/XX/2018 has been ignored repeatedly. 

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) states that upon request you must provide me a description of the procedure used to determine the accuracy and completeness of the information. This includes, but is not limited to the business or third party vendor name and address of the furnisher of information contacted in connection with such information and the telephone number of such furnisher. 

TransUnion has yet to provide the information above as required by FCRA 611 TransUnion needs to provide me with copies of all documentation associated with this Public Record Account bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. 

This is a very simple request and one that will reveal that TransUnion is violated FCRA and Privacy Laws. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original court documents all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2017 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Along with disputing a certain negative item I wanted removed from my report, I also asked that all the prior negative PRE-Bankruptcy ( as it was discharged ) things removed as well. There are still many items killing my score, that should have been rightfully removed as of discharge. This is with all bureaus. My score dropped over XXXX points, marking an account closed ( XXXX-I do not have an issue with them-just the bureau ) that was never added in the 1st place, now it 's a HUGE negative factor killing me. I have explained to these bureaus that I am trying to buy a home not long from now and want the bad stuff removed, and all these bureaus are doing is making everything worse, they are so quick to report all the bad stuff, but take forever reporting the positive. This is ruining my, and many other peoples financial futures. I was forced to buy a car-and because of these XXXX companies, my interest rate is XXXX!! I do not believe they have ANY right to be able to control a persons future. I also have a paid off loan, made payments more than early every time, and even a bit more than the amount due, but because of my bankruptcy, they allowed XXXX to remove all this from my reports, even though I " Reaffirmed '' the vehicle, also dropping my score another XXXX points. How in the heck is a person supposed to get anywhere in life if these XXXX companies have all this control. I should be well over XXXX at this point ( only this low for now, as I 'm still 4 months from my 1 yr discharge date ), now I 'm back to where I was right before I filed for Ch XXXX, and I pay my bills! I was just at XXXX little over a month ago, got a couple small credit cards, everything going great-now it 's falling faster than XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NH).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: From XXXX to XXXX I received student loans from XXXX XXXX. I begin the repayment of these loans in XXXX, however over the course of 10 years the owed amount has increased even though I pay faithfully every month. During the course of those 10 years I attempted to negotiate the terms with XXXX XXXX and now Navient yielding zero results. Often times the customer service representative would explain to me that they are not entitled or obligated to change the terms. Additionally the representatives would basically tell me " tough luck ''. As a result the principal amount has increased {$3000.00} over the 10 years of attempting to pay back these loans. I believe these are predatory lending practices without any checks and balances.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Advertising and marketing

Complaint: XXXX and Chase heavily advertised that any airline tickets purchased through XXXX would come with XXXX free checked bag. At check on, I was charged a {$25.00} baggage fee and was told by the person at the counter that this was just what happened. I anticipate that this will happen at each of the XXXX legs of the particular trip.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan servicing, payments, escrow account

Complaint: This is related to a previous complaint but the proof is now present that Bank of America does not even read or proper act on issues/complaints. I received a notice they had not received my payment but I checked my bank account and they most certainly did receive the payment. I logged into my BOA account and noticed a higher amount due which is the proof. Probably a month ago I provided them my insurance information which means they needed to cancel the policy they put on the house and make the appropriate changes for amounts due ... Obviously instead of doing this, they simply cut and pasted a response and did nothing else. In the recent email from them they threaten reporting me to credit agencies and based 100 % of their failure and thus waste my time which means nothing to them ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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: I have sent  XXXX  written request to Experian requesting the removal of the listed unverified items. They have failed to send me copies of the documents that they used to verify the disputed accounts. They have failed to delete the disputed accounts that they did n ot verify. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can n ot be verified. I am requesting deletion of all disputed accounts which they did not verify.

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 10/30/2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Payoff process

Complaint: Over the month of XXXX 2016 I made several online payments to my Amazon Chase credit card only to find none of these payments were credited to my account. Today XXXX, XXXX, 2016 I made XXXX payments of {$160.00} each again getting a confirmation of payment but no secondary message to my email per arrangement. I returned to the Chase credit card payment site and it indicates no payment having been made. I suspect systemic fraud by Chase to continue to assess interest on outstanding balance even when payment is made.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2017 about Debt collection (Other debt) with Armcon Corp (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I was contacted via letter on XX/XX/XXXX by a XXXX XXXX representing the Coachella Valley Collection Service. He indicated that a debt was owed in the amount of {$5800.00} from the XXXX XXXX XXXX XXXX. 

He continued to send numerous collection letters. On XX/XX/XXXX he sent a letter threatening to sue.
On XX/XX/XXXX I replied to the collection agency to cease and desist collection efforts as the Statute of Limitations had long passed. They never responded nor removed the collection from the credit bureau  's.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I was a victim of Identity Theft. I filed a Identity Theft Affidavit with Transunion, XXXX and XXXX. Their is a Bankruptcy on my Credit File that should not be there as I have never filed for a Bankruptcy. 

XXXX removed the Bankruptcy however Transunion and XXXX refused to remove it, AND ITS REPORTING " TWICE '' AS A DUPLICATE. 

I contacted the Court and they informed me that they do not have a Bankruptcy that matches my ID. 

They also informed me that they do not and did not report to any Credit Bureaus because the Court does not report to the Credit Bureaus. 

HOW CAN XXXX REMOVE THE BANKRUPTCY AND TRANSUNION AND XXXX DO NOT????

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 12/15/2015 about Debt collection (Medical) with Collection Services, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Collection Services Inc. has been reporting debts to the credit reporting agencies that I have no knowledge of. And when XXXX of the XXXX finally fell off my report due to the age of it, they re-aged the debt and it showed up on my report again. This re-insertion caused my credit score to drop over XXXX points They supposedly verified the debts with the credit reporting agencies, but did not supply me with any proof that the debts are mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Allegedly Portfolio Recovery Associates claims they have sent me notifications in the mail about a debt that happened 9 years ago, I have n't received such notifications. They have started calling me while I am at work. Once on XX/XX/2017 at XXXX EST and once on XX/XX/2017 XXXX EST. I then called back and asked if they would stop calling me until after XXXX, the woman on the phone was persistent about the debt, and would n't let me speak. Things escalated and the conversation was getting heated until I pleaded that they contact me after XXXX, she rudely agreed to and sarcastically wished me a nice day. 

I am concerned they have my work number and not just my cell phone number. I want this to stop before it turns into full on harassment. I intend on sending a cease and desist letter that states my rights under the fair debt collection practices act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2016 about Credit card () with SYNCHRONY FINANCIAL (TX).
Issue: Delinquent account

Complaint: I had a care credit account show up on my credit report back in 2008. I had contacted them to let them know this was not my account and asked them to send me supporting documents to provide me proof that it was my account. To this day the company has never sent me any documents and I have never made one single payment to them. The account has been a charge off account on my credit report for almost eight years.

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 11/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Equifax & XXXX credit reporting incorrect info. 
Claiming multiple Bank loans closed in Bankruptcy. 
Loans not closed and not in Bankruptcy. 
Multiple requests to remedy .... still not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Home equity loan or line of credit) with CITIZENS FINANCIAL GROUP, INC. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I had a home equity line of credit with Citizens Bank. While in the process of refinancing this loan with another institution, Citizens Bank made a partial payment from my Citizens Bank online checking account which resulted in a debit of {$56.00}. Even after the payoff was completed by my other bank, Citizens charged my account {$90.00} in over draft fees. 
Since Citizens Bank created the overdraft in the first place I want the fees to be negated.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Mortgage (VA mortgage) with LAKEVIEW LOAN SERVICING, LLC (CO).
Issue: Trouble during payment process

Complaint: My loan was purchased by Lakeview Loan Servicing LLC from XXXX mortgage. I was notified XXXX days later that my payment was late ( I had not clue my loan had been purchase ), then XXXX week after that I received notice that I did not have hazard insurance. 

Bottom line - nothing transferred between lenders as I had auto-payments established with XXXX. My insurance is current on the property XXXX XXXX XXXX. Very concerned my escrow didnt transfer or will be applied appropriately. 

Lakeview has XXXX ability for online access and their process for validating insurance is broke ( mail instructions with code do not work ).

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 05-12-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I am unable to dispute existing collection accounts on my Equifax credit report because they have an incorrect name on my credit report, I had no success contacting them by phone and I do not feel comfortable faxing my information over to a company that will not take the appropriate steps to verify a persons real information before applying it to their credit report, effecting their lively hood. They are providing an inaccurate report which continues to negatively effect my employment opportunities, living opportunities, as well as my health as this has become a major stress added to my life.

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CT).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I was denied from a lender for " too many inquiries '' on my Experian Credit Report, I decided to check my reports from all credit bureaus for accuracy. I have noticed that there are a few credit inquires on my Experian Credit report that I DID NOT authorize and had no knowledge of. I contacted Experian Immediately and was given no relief. I also have afraud alert already placed which should have avoided any future issues. Please see the following inquires that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation, non of these companies received any identification or authorization from ME to pull my credit for any reason : 1.  XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX XXXX XXXX/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 non-monetary relief
Consumer complaint received 03-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: I was pre-approved online for 3 of US Bank 's credit cards on XX/XX/XXXX. The offer I was given is attached. US Bank is currently, as of this today XX/XX/XXXX XXXX, running a {$150.00} promotion for spending {$500.00} in 90 days. It is open to the public for anyone who applies. My pre-approval offer had this {$150.00} promotion, 0 % intro apr for purchases and balance transfers, and an advertised rate of 20.24 % APR. I applied in the branch with my personal banker. When I called US Bank 's customer service line to find out my APR, I was completely shocked. I was given an APR of 23.24 % ( 1 % away from the highest APR offered ) and I have a XXXX Fico with XXXX  ( the bureau utilized ). Not only did I receive a very high APR, I didn't have the advertised " spend {$500.00}, receive {$150.00} bonus, '' attached to my account, even though it's available publicly. I also don't have the 0 % on purchases, only 0 % for balance transfers. 

I reached out to US Bank and faxed over a request to review my credit card offer. I also mailed a letter to their Cardmember Services address and corporate headquarters. I faxed over the documentation showing the promotion is available publicly as well. They responded by mail on XX/XX/XXXX that the promotion is targeted. Apparently the representative that reviewed my request, did not even notice their own website. I've exhausted every amicable solution possible. 

While I understand it's US Bank 's discretion to only provide me a {$1500.00} credit limit ( which doesn't reflect my creditworthiness ), I really feel deceived with the terms of this credit card and the lack of promotion that was not only targeted to me, but also open publicly.

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