milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/23/2016 about Consumer Loan (Installment loan) with Big Picture Loans, LLC (LA).
Issue: Managing the loan or lease

Complaint: This is in reference to the Company by the name of Big Picture Loans. This company approved me for a loan in the amount of {$800.00}. When I spoke with XXXX of the representatives from the company she stated that it would be a one time payment of XXXX for the finance fee. Then I would be able to pay the additional {$800.00} off in monthly payments. She told me that they would automatically take the money out of my account unless I would call and specify otherwise. Well as it was getting close to the first finance fee payment I made sure all of the money was in the bank for the first {$280.00} to be deducted. Then out of curiosity to see when the next payment would be or the amount they would be asking for to pay off the amount that I borrowed was the {$800.00}. I realized that they did not send the lending disclosure until after the loan had been processed. The documents were not what was not the same as which was verbally contracted. These people had set me up to pay them {$6000.00} on the loan that was {$800.00}. I would have never accepted anything like this so I tried to contact them and XXXX of the agents kept apologizing for the misunderstanding of the conversation of the last representative. But we went over this several times about the finance fee just to be on the safe side. These people misled me and are basically stealing. They have access to my bank information and are trying to ruin my bank account pulling money that is not owed to them at a constant for {$6000.00} for {$800.00}. This is not right I then looked for complaints from other customers and come to find out that they were once called XXXX and that they had switched their names. And other people had the same incident as me. This is how I found out about Consumer Finance because of other people that this happened to. If someone could please help me to rectify this matter I would be greatly appreciated because these people are fraudulently attempting to steal something from me that I do not have or owe. Needless to say they are attempting to ruin my bank account that I have had for several years. Thank you for taking the time to listen.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2016 about Debt collection (I do not know) with Account Management Services, Inc. (WA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is an entry posted on my XXXX credit report from account management services. The original creditor was XXXX. I disputed the validity of this debt with XXXX and filed a claim with Washington State Department of Finance and in turn they agreed that it should be removed.However they stated that they were unable to do anything about the Collection Agency that purchased the debt. I have disputed the AMS debt with XXXX several times yet the entry still shows. The SOL for the debt is XX/XX/XXXX and should be removed from report, However when I reviewed my report it appears as if the collection agency posted a {$2.00} payment ( do n't know when they made the payment ) on the account in order to start the SOL over.This ca n't be legal. I never made a payment to the collection agency because I have continuously disputed the validity. I have again disputed this and asked that this be removed from my XXXX Credit report. I believe the original date the account showed open from XXXX was from XX/XX/XXXX and has been deleted from all XXXX of my credit reports. What do I do from this point, I can not afford and attorney. AMS has posted 30 day late for several months which continues to damage my credit. I would like to again dispute this and have this removed. I also believe that AMS should be held accountable for the debt collection practices. 

ACCOUNT MANAGEMENT SER XXXX, CA XXXX Unknown Account Name ACCOUNT MANAGEMENT SER Account # XXXX Account Type Other Collection Agencies I have attached email from XXXX documenting XXXX ( this info is highlighted in yellow ) representative stating the removal of the negative information. I have also included the entry from my credit report that shpws the {$2.00} payment and the date the negative information should be removed

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 11-12-2016 about Debt collection (Payday loan) with CHECK INTO CASH INC. (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Loan was paid in XX/XX/XXXX. In XXXX, 4 years after I moved from VA ( moved in XX/XX/XXXX-6 months after debt paid ), I was suddenly contacted by Check Into Cash representative stating my debt was not paid and that I now owe them {$1100.00}. I explained that the debt was paid and due to so many years passing by I had shredded documents that were not required for me to keep since account was paid off. In fact if I did owe the loan Check Into Cash had the right to cash the check in their possession, which they did not have because I had received it back when the account was paid. That was something I requested they provide and they were not able to provide anything. Despite my letter to them and the conversation on the phone I was continuously harassed and nothing sent to me. Then in XXXX I was contacted via collection letter by XXXX attempting once again to collect on this paid off debt. That now is an additional two years, totaling 6 years after I paid the debt that Check Into Cash is attempting to collect on a debt that was paid in full. Now XXXX, I am receiving a letter from XXXX attempting yet another time to collect. It seems the collection agencies have had no problem finding me and back in XXXX Check into Cash contacted me on the phone that was provided with the account, so I do n't understand why so many years have gone by with no contact and suddenly they want to collect on debt that was paid in full. Somehow their records have been a mess or perhaps since it is a cash basis company their representative may have stolen the money. Again, a check is issued with understanding if payment not made on due date the check will be processed, never has been and never will be because I did get it when I paid the account off. Unfortunately, I attempt to destroy records that I do n't find I need to keep. Sadly I should have kept these but did n't, who what have known this would happen to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04/22/2016 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I am XXXX for the XXXX and since the market crashed, I took a pay cut. Based on that, I had to modify my loan ( Mortgage ) so that I could afford my monthly mortgage. During the modification, In the month of XXXX 2015, I submitted my payment as usual. Nation Star who is my lender, removed the money out of my account on XXXX XXXX, 2015 in the amount of XXXX. No that I am attempting to refinance my loan, It was brought to my attention that Nation Star indicated that I was late on my XXXX 2015 payment and it has affected my credit report. I contacted Nation Star and they advised me upon checking their records/notes that it was a mistake and that it should not be noted on my credit report. This has affected me because its stopping me from refinancing my loan so that I can have a more affordable payment and provide for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have tried to apply for an income based repayment plan. They are now telling me I need to apply again for the  3rd time sin ce  XXXX . They state I still have  one p ending. This has been going on for months, meanwhile they raised my payment to over {$1200.00} a month when it is supposed to be {$450.00}. This has caused me to have to forebear payments which is causing a negative amortization on those loans.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Account opening, closing, or management

Complaint: There are XXXX issues. 

# 1 The accounts are listed as closed when they are not. 
# 2 My responsibility on the XXXX other credit cards were as a joint credit card account holders, not an authorized user. Both accounts I am co-account holder, not an authorized user. My social security and credit is on both accounts as responsible for payment. 

This includes XXXX cards, in the name of XXXX XXXX ( ss # XXXX ) and XXXX XXXX ( ss # XXXX ), billing address XXXX XXXX XXXX, XXXX NY XXXX, Tel Numbers XXXX/ XXXX The credit card account opened XX/XX/XXXX with Bank of America XXXX. 
The credit card account opened XX/XX/XXXX with Bank of America XXXX. 

What does n't make sense is that when we call all the information is correct and the accounts are still listed as open and joint. So we asked why it was n't being reported correctly ( the credit bureaus claimed it was Bank of America reporting and we had to talk to them ). No one knew who we should speak to or what to do. We asked to file a complaint. 

We were finally transferred, with both of us on the telephone, and reached an escalation / debt collections person at Bank of America to ask for the information to be reported correctly, with both of us on the telephone that we reached a lady named XXXX who seemed to be confused and was very belligerent. She was under the wrong impression that we had debt or was late on payments, when we have XXXX debt and have never been late. We have the recording of her yelling and not listening as we both tried to calmly explain, or be put in touch with someone who was in the correct department. 

This lady XXXX from Bank of America stated everything was on our applications, that the Bank does not report anything in error. We stated that this was not true, because she was contradicting what the customer service representative said, and requested a copy of the applications. The lady, XXXX, replied that we could not have a copy of our consumer agreements which we have a right to have a copy of.

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 12/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Bought a car from XXXX XXXX XXXX XX/XX/XXXX. Paid on the car for a year and it had serious mechanical issues so traded the car in at XXXX XXXX for loan with XXXX. XXXX has pulled hard inquires on my credit every 3-6 months since I 've traded the car. And recent found that the published my full ssn address dob and other personal docs on a public site where anyone can search and just look up my information. They pulled my credit again XX/XX/XXXX. Not sure why this company is still pulling my credit and reporting incorrectly on a traded car. I 've made calls and get the run around or say someone will call back no one calls back. So I 'm unable to find out what 's going on with this company. Never reported one payment I made and new dealership should of closed the loan. If not where is the car and why does it still show I owe over the balance of the original loan with them. Can provide web search where it has company letter head my personal information on request. Also able to provide credit reporting on request.

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 05/26/2017 about Debt collection (Credit card debt) with London & London (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: London and London claims I owe XXXX to XXXX XXXX. The balance is well over my credit line of XXXX, part of the debt is the result of fraudulent charges and at least XXXX is questionable as it brings the account well over limit, I suspect either XXXX XXXX or London and London added on bogus charges so as to make it appear I owe more than I actually do. At least 3500 is due to fraudulent charges. Please note, I did attempt to make payment arrangements with XXXX XXXX several times, the last online chat rep would not cooperate and said to wait until a payment had posted at the time before making any arrangements. Most recently, I made additional attempts to discuss debt with XXXX XXXX, however, calls were transfered to recovery dept where calls are recorded. I refuse to speak with anyone on any recorded line, reps were advised of this several times. However, they insist on recording calls in case any payment arrangement is missed. One rep advised me they do not accept settlement offers, which is a shame as a settlement amount would resolve it. Please advise London and London that most of this debt is fraud/bogus and refuse to pay unless a reasonable settlement offer is made to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: An XXXX report indicated that Equifax provided my credit information to " XXXX, XXXX XXXX XXXX, XXXX '' without my permission on XXXX/XXXX/15. " XXXX '' is actually " XXXX '', which apparently has a very long record of this behavior. Thanks for your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Credit card () with WELLS FARGO & COMPANY (OR).
Issue: Transaction issue

Complaint: My credit card is paid by my Dad from his account at XXXX to my credit card at Wells Fargo. That payment was made on XXXX. It showed the funds out of that account on that day and credited to my credit card. My outstanding balance at that time was {$600.00} and I have a credit limit of {$1300.00}, but my card was declined and the website showed no credit available. I just spent an hour on the phone with Wells Fargo and they say a hold was placed on the payment but they admit they have no idea why and will not release the hold until tomorrow. This is my only source of funds to pay for food and supplies ( I 'm a XXXX student without a job ). If they were able to give me a reason the funds were held, I would have understood, but they admit they do n't know ( I actually have a recording of part of the call ). I just ca n't believe this is legal and I was thinking if they did that to me, they could do that to thousands of customers and have the use of other people 's money for a week with no reason or explanation. Is n't this pretty much like stealing and then returning the stolen goods. That 's still stealing.

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 04/22/2015 about Debt collection (Medical) with Accounts Management, Inc (SD).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I had a payment plan on medical bills owed starting XXXX they stated they have several other accounts linked to me for a total of little over {$3200.00}. I at that time set up payment plan on the account to pay {$150.00} every 2 weeks on Debit card which started in XXXX & continued thru XXXX in which my card had expired I then called & spoke to XXXX asked for my balance @ the time & my balance had increased to a little over {$3400.00}, I asked how it increased paying {$300.00} a months she said the intrest is 1 % per account & I have XXXX accounts with them, I advised her I did not have XXXX accounts @ that time I advised I was willing to make payment arrangements but I want a individualized billing if charging fee 1 % per account she refused I asked for manager she refused sd XXXX was not availabe asked for a mgr to call me back I never received a call back I also never received individual billing either I on XXXX received a notice that if I do not arange payment they will forward to litigation, on XX/XX/XXXX I called spoke with XXXX XXXX I asked for exact date of speaking with prior rep XXXX on the account in XXXX or XXXX she said no record of speaking to me around that XXXX & nothing for conversation she completly disregarded my questions & concerns & advised me now that my balance is {$3500.00} I again tried to advise XXXX XXXX of my concerns she refused individual billing that is not how they do things thier I advised to speak to mgr I spoke to XXXX XXXX who stated was a manager I again asked for individual billing advised her they are linking incorrect & over charging she to refused to listed to what I was trying to explain to her & said that I was cutting her off from answering my questions said they ony submit XXXX bill with a list of providers & intrest is billed per account. I again advised her willing to make payments on the account when I get a individual billing for each account they state they have in their office she refused she stated I was over talking her so she could not answer my questions she said is forwarding to littigation they cant wait forever for payment on account.I have been denied a individual billing of accounts they state they have listed in their office ( that come over individually ) even after I had been paying them {$300.00} plus a month my debt the state I owe increased not decreased

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2016 about Credit card () with SYNCHRONY FINANCIAL (OH).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I have a Lowe 's credit card issued by Synchrony Bank. I paid over and above my balance so that I could make a large purchase at the store. After my payment, my card had a credit balance of {$2100.00} and a credit balance of {$3600.00}. My local Lowe 's store tried numerous times to run my card for about {$5100.00} but it kept getting declined. Even when I called the credit card company and they said everything was okay.Finally I got a supervisor they then told me I could n't charge more then {$2100.00} and I would have to charge it multiple times.The store would n't allow this. When I had a credit of {$600.00} I would pay a cash payment at the store then I was able to buy products or charges over {$600.00} without a problem.Now suddenly have a problem after they increased my limit. I called the credit department several times and was finally told that they would no longer allow me to charge over my credit limit even though I had a credit balance. I was told they would send me a refund check which I would have to cash and then take the cash back to the store. I have been trying to resolve this for over 6 days. The credit manager told me the check was sent XXXX on XXXX/XXXX/16 but did not have the tracking number. I called back on XXXX/XXXX/16 because I did not get the refund. I am now being told the refund just went out today XXXX/XXXX/16 but still no tracking number is available and it will take over 4 days which means it will be over 2 weeks to get my money back and get my purchase taken care of.

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 07-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: muliple inquiries on XXXX XXXX, 2015 that were not autorized

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Debt collection (Auto) with MAS Financial Services, Inc. (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call excessively every day on working hrs ... .I know I need to make my payment they do n't have to call so much

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Debt collection (Medical) with HCFS Health Care Financial Services, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from ARS ACCOUNT RESOLUTION I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against ARS ACCOUNT RESOLUTION in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Debt collection (Mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (HI).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: Sent notice to cease and dismiss collecting Written Off debt that is over the Statute of Limitations to sue, along with all communications with us or any member of our family. This was to include but not limited to telephone calls, letters and personal interviews. They also responded by letter using fraudulent documents along with misrepresentation and deceit.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I have two debts that are over 7 years old. My husband left me in XX/XX/XXXX and I stopped paying our credit cards. The divorce was finally completed in XX/XX/XXXX where they granted him this debt and it is specifically noted in divorce. He moved to XXXX. <P/>I have cleared up most and made agreements to clear the debt. But the remaining balance sits out there and did not get written off. <P/>Years later and I have re-married and bought a house but these were brought to my attention as a credit counselor tried to help me clear them. <P/>I just received a letter from XXXX wanting the balance XXXX for something that is in a divorce agreement and was back in XX/XX/XXXX. <P/>Also a very ugly company stating they are an attorney, Portfolio Recovery Associates are trying to get a balance of XXXX going back to XX/XX/XXXX which is the last statement they have from XXXX  XXXX. They call me every day, multiple times a day. They even called my fiance, and told them of my debt and he has nothing to do with this account. Lucky he is still marrying me. LOL! These are both on my divorce agreement and I have not heard from any of them until now. Do they have the right to come back on me for these.

Company response to consumer: Closed with non-monetary relief