milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-01-2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (IL).
Issue: Cash advance

Complaint: XX/XX/2015 I took out a {$2000.00} cash advance from USAA. I was told over the phone that once I pay off the {$2000.00} cash advance, that I 'd no longer accrue interest on that advance. I even called USAA credit card customer service today and asked them to explain how the cash advance interest accrual system works. The representative advised that once the balance is paid off ( {$2000.00} in this case ), the interest accrual will cease. I advised the representative that I 've paid off more than {$2000.00} worth of payments since the cash advance was requested XX/XX/2015 and wondered why I was still being charged interest if what he said was true. He then came back and advised that " after doing research '' it was discovered that interest on cash advances will only cease once the credit card statement balance is paid in full. The issue is that I 've had a balance on my credit card for years and USAA knew that when I requested the advance and failed to disclose that over the phone. I feel cheated. This is obviously a UDAAP violation ( unfair deceptive act and practices ). Now I 'll be paying interest on the cash advance for years. To top it off, I requested the cash advance papers I signed to confirm the small print that they disclosed this and the representative advised to look for it on USAA.com ( but failed to provide an exact path to locate the documents ). I feel cheated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: A changed my name legally and opened new credit cards under new name. Everything was reported correctly until few days ago Transunion whiped our all information under my new name and attached it to my old name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Medical debt) with ALCHRO INC. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. 
The debt validations were sent on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I had received a letter from my previous employer about a data breach. I submit a request to Transunion to delete addresses on my report as not mine and they would n't. I provided my current bank statement and a utility bill with my current address and asked them to change my current address and delete the previous addresses as they were n't mine and they would n't delete the address below and it needs to be deleted as it is n't mine. 
XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/21/2017 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: I had gotten my XXXX XXXX debit card stolen on XX/XX/XXXX and called it in the following day. I was told my card was canceled as they caught a fraud attempt of a cash withdrawal of {$130.00} at a XXXX gas station in XXXX, IL. I was not asked about any previous transactions to verify no other fraud was made and I understood that the {$130.00} attempt was the only one. I have an installment loan with XXXX and a payment of {$46.00} is taken automatically from my checking account every XXXX of the month, however, XX/XX/XXXX 's payment was not paid due to my account having insufficient funds. I opened my monthly statement and see that a purchase at XXXX 's was made for $ 30+ and caused my funds to drop. That purchase was not made by me and was fraudulent and was not verified by me through XXXX when canceling my card and caused the payment for XX/XX/XXXX to be overdue. I attempted to pay my past due balance in person at a branch in XXXX, IL and was advised to wait until my next payment day of XX/XX/XXXX to avoid being double charged. I listened and come XX/XX/XXXX I received a phone call from XXXX 's credit reporting office and was informed my payment was 30 days overdue and was now going to be reported to the credit bureau and was misinformed on the double charge statement. I paid the overdue payment in addition to XXXX 's payment that totaled out to {$100.00} and then the next day was in fact double charged for XXXX 's overdue payment which put me at insufficient funds once again. XXXX has reversed fees but still said it was going to be reported to the bureau and refused to retract it since I took the proper steps to make the payment but was misinformed.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2016 about Debt collection (Credit card) with Law Office of James R. Vaughan, P.C. (AZ).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: In XX/XX/XXXX I opened a XXXX credit card, I had a {$1400.00} balance and I defaulted on it a year or two later. In XX/XX/XXXX they tried to put a lean on the checking account. Since I 'm on XXXX they could n't take money since I get government checks. Skip to XXXX XXXX, I got a letter from one of my credit card companies that they were inquiring my information. I called to find out what was going on. They said that I owe {$4700.00} and I needed to pay it back or they were going to take court action. I asked if it could be reduced to the original amount plus lawer fees they rejected it and said I had to pay back the full amount. So to avoid the court action I agreed to pay {$100.00} a month for a year then $ XXXXfor a year then {$150.00} for another year, with a final payment of {$91.00}. They said that was the only way to avoid court action. Being on XXXX I can NOT afford this. I say one of your reps on XXXX XXXX, so wondering if you can help me in this matter?

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 06/29/2017 about Debt collection (Other debt) with U.S. Collections West, Inc. (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: U.S. Collections West, INC did not respond to everything I asked of them with the CFPB. I 've conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. <P/><P/>According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28

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 12/19/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Since the events below, I have been able to obtain an income-based repayment plan ( that Navient habitually tries to talk me out of. They have, on numerous occasions, told me over the phone that if they did n't want to, they did n't have to let me on the IBRP ) The event ( s ) I am complaining about is in light of recent actions taken against Navient, and I wish to add my voice, as I have dealt with the exact problems mentioned by countless others before. 

When my loans first went into repayment ( XX/XX/XXXX ) I was unemployed and unable to make my initial payments. I contacted the lender for a resolution and was told time and time again that there were no other options available to me other than " borrow the money from your parents/grandparents/aunts and uncles. '' When I informed them this was not an option, the only path I was given was to use up my forbearance ( which was quickly maxed out after a few months. ) When collections came due after forbearance ( Late XX/XX/XXXX - current ), my situation was only slightly better and I had an entry-level role. My family was struck by the downturn ; Lost their house and their jobs and could not help support my payments. I only had an entry-level position and could not afford the full payments. I asked if there were steps I could take to release them from their obligation as cosigners just to be told no. 
My only option was again to " borrow from friends and relatives '' to make my monthly payment. When I was unable to make payments, I was turned over to collections and my credit was negatively impacted. This was the point I was finally " allowed '' to join an income-based repayment plan. 

Since then, I have maintained regular payments and have been able to improve my credit score. However, was made to suffer for 5 years unsure of whether or not I will ever be able to get a grasp on my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
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: A few weeks ago I sent your bureau a request by certified mail to investigate items on my credit report which were highly suspect. As per the FCRA I allowed you 30 days to correct my report. However, your company has failed to take any consequential action and continues to maintain a file on my which is grossly inaccurate. The creditors that I called have not been able to verify me, whereas you dubiously claim to have somehow verified these items.

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 10/13/2017 about Vehicle loan or lease (Loan) with Innovate Managed Holdings, LLC (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: My loan was bought by XXXX XXXX XXXX. I called about my payment showing past due. I sent proof i made payment on XXXX XXXX 2017 and account should be updated. Reps and managers have been rude and have attempted to collect even though my loan is not past due. Also receiving calls via auto dialer even though i have specifically advise then not to call me cell phone in the dialer. I have called several times to have issue rectified.now i am facing possible credit marking about this. I will file a Ag and bbb complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Other

Complaint: Prior to my late payments that were reported to credit bureaus. I called to advise them that I was going to be late on payment XXXX payment. This was to avoid late fees. I always make payments on the XXXX of the month. I thought I was in good terms, because I was enrolled in automatic payments as well. Capital Onedid not call me leave a message or advise me that I had 2 missed payments. Which It was not true. I have been in good terms with Capital One. Now they have refuse to remove negative reporting to credit bureaus, can you please help

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2017 about Debt collection (Other debt) with Williams & Fudge, Inc (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I attended XXXX XXXX XXXX University, located in XXXX, Texas, in the fall of XX/XX/XXXX. After attending the school for a little over 3 weeks, I decided to resign from the university simply because it was n't a good fit for me. I set up a payment plan with the university to pay for my tuition and paid the first installment while I attended the university. About a year later ( XX/XX/XXXX ) a  collection agency calling on behalf of the university says I still owe the university {$2500.00} for the rest of my tuition and the months I did n't attend the university.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (Auto) with WELLS FARGO & COMPANY (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Wells Fargo dealer services calls me at least 8 to 10 times a day, I am not 30days late on a payment, in actuality I only owe them XXXX. They continuous ring my phone at all hours of the day including before XXXX. They are also calling 3 or 4 times when I am working.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/17/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I contacted XXXX to let them know I was moving in with my daughter and that she already had an account so I could n't continue with mine. They told me to return my equipment to them and that they would waive my early termination fee because not only did my daughter have an account but I also had another account at my other home which I closed and paid an early termination fee due to going thru a divorce. 
a few months later I got a bill for the same exact amount due which was XXXX dollars and change so I called them and they assured me that this was to cover shipping fees on my returned equipment and that if I would pay it they would make sure there would be no negative information for my account. 
Next action I saw was that it was reported to Transunion that I owed {$290.00} to XXXX. I called the collection agency and they said they could do nothing about it and the only way to get it removed was to pay the amount shown. I asked them to verify this as it had to be a mistake and they hung up on me. XXXX was the collection company listed on my credit report for XXXX. I also called XXXX and they assured me that they would get it removed as I owe them XXXX but it has been over a month and nothing has changed. I am attaching my live chat with XXXX today again confirming that I owe them nothing. so please make this collection agency and credit bureau stop reporting that I owe money. 
my insurance has gone up and I am trying to buy a home so please assist me in this. 
I had a hard time saving the chat so I attached it in XXXX formats so hopefully XXXX is legible. Thanks much. 
XXXX XXXX XXXX XXXX or work # is XXXX XXXX. 
I can be reached from XXXX till XXXX Monday thru Thursday at the work number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (WI).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Citigroup has recently enacted practices that directly violate the civil rights of millions of law abiding Americans.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Payday loan () with Specialized Loan Servicing LLC (FL).
Issue: Applied for loan/did not receive money

Complaint: As far as remember i did not recall apply for such loan or either receive one.But for some reason i have received an email about an arrest warrant for that loan i was never contact either by mail or by phone from such company.All over sudden they told me i owed the {$1000.00} which i did not get from them. Unless its a problem of identity theft, cause this letter sound like threat to make me pay something i never had from them.Your help in this matter is very important to me cause i really do n't know and understand that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 11-01-2015 about Consumer Loan (Vehicle loan) with Mid-Atlantic Finance Co., Inc. (TX).
Issue: Problems when you are unable to pay

Complaint: Mid Atlantic Finance has intentionally reported false information regarding my VOULUNTARY repossession that occurred XX/XX/XXXX to the credit reporting agencies. On XX/XX/XXXX as if in retaliation to my previous complaint with your agency, they changed the reporting of this account from CHARGE OFF ( which is how it has been reporting from XX/XX/XXXX to XX/XX/XXXX ) to REPOSSESSION for XX/XX/XXXX. This fraudulent updated reporting dropped my score XXXX points. By Mid Atlantic 's own admission this vehicle was VOLUNTARILY repossessed XX/XX/XXXX. Therefore, according to FCRA law, their deceptive reporting of a brand new repossession in XX/XX/XXXX, is unlawful. And I am pleading with your agency to either demand the complete removal of this account from the credit reporting agencies or to demand that they change their updated status of REPOSSESSION for XX/XX/XXXX back to the correct reporting of CHARGEOFF. Please find all documentation attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/23/2017 about Checking or savings account (Checking account) with TCF NATIONAL BANK (IL).
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint: I have been disputing erroneous information on my account since XXXX. I sent the XXXX XXXX XXXX and TCF Bank all documentation including a police report that stated that I was a victim of identity theft and as a result, I can not open up a checking account. I mailed in my identification as requested. I have been patient and sent 3 correspondence letters, but to no avail. 

In XXXX XXXX, I was a victim of identify fraud and theft. A XXXX XXXX dollar check was deposited into my TCF Bank account without permission. Then a P.O. S purchased was charged to my account for a purchase for {$4000.00}. Please note, this occurred during the XXXX season when identity theft is more prevalent. TCF Bank allowed the transaction to go through without the check clearing. A police report was made. 
Please see attached copy of the police report and check. My first name was misspelled on the check and the handwriting is not mine. 
TCF Bank informed me that since I was a valuable customer for 11 years, as a courtesy, they allowed the {$4000.00} transaction to go through. However, I was left distraught and frustrated by TCF Bank. I spoke with several employees and managers at TCF Bank, but my claims fell on deaf ears. Furthermore, I am truly appalled that this continues to haunt my file. This has had a negative impact on my ability to have a basic checking account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (MD).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Never received communication from this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (IL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have my loans with Navient, I filled out the information for them to lower my payments based on low income. One was lower but then my over all payment is now higher! They are horrible to work with they will nowt work with me at all. My Payment was {$180.00} now it is {$190.00} after one of my loan was approved to be lower. It make no sense. I was one who was with XXXX but then was switch to these XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (PA).
Issue: Loan servicing, payments, escrow account

Complaint: The Ditech Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX was not correct. The statement had a double billing for XXXX XXXX in the amount of {$3200.00} for " Taxes ''. The Ditech error raised my XXXX/XXXX/XXXX payment to {$1900.00}, which is not correct. I contacted Ditech on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for resolution. Noticed a Ditech Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX, which stated payment due of {$1900.00} on XXXX/XXXX/XXXX and payment due of {$1600.00} due on XXXX/XXXX/XXXX. I dispute the payment of {$1900.00} due on XXXX/XXXX/XXXX. I assert the payment due on XXXX/XXXX/XXXX should be {$1600.00} and moving forward the XXXX of each month. Contacted Ditech on XXXX/XXXX/XXXX to dispute their second error, and Ditech stated {$1900.00} due on XXXX/XXXX/XXXX and refused to correct their error resulting in the erroneous amount due on XXXX/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 06/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I pulled my credit report to find that a collection from AFNI was on my report to collect money for XXXX ( Collection ( Account Number # XXXX ) ( Amount Owed {$590.00} ). I contacted the AFNI office using the contact number from my credit report. I was told that the bill belongs to my husband and that I was responsible for this bill. I told them that I have not received any mail with my name and information asking me to pay. I had no idea that my husband owes this amount and after speaking with my husband he too had no idea. I am asking that this item be removed from my credit and that my husband be properly notified so the bill can be paid if it belongs to him. AFNI did not follow FDCPA laws which prohibits unfair and deceptive practices to collect. My husband XXXX XXXX is a man of integrity and would be happy to address this issue. I am seeking resolution for this mix up and request that this item be removed from my credit file ASAP .Thank you for your time it is greatly appreciated. 

XXXX XXXX Cell XXXX TX XXXX

Company response to consumer: Closed with explanation