milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/24/2016 about Student loan (Non-federal student loan) with ATG Credit, LLC (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I previously filed a complaint against ATG Credit for not willing to get a corrected amount for a loan they were collecting on. They responded to the complaint that they would find the correct amount and bill me appropriately. It has been 4 months and they still have n't contacted me. When I try to call them, they look up my account number and put me on hold for over a half an hour each time and no one ever picks up. I have even emailed them and receive no response. They believe I am not aware that there are XXXX separate loans but I am and have been paying towards them XXXX for several years. They are trying to charge me the initial amount that the loans were first taken out for and not the balance i owe now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Credit reporting () with Senex Services Corp. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have multiple things on my credit report that do not have a contract with biller and medical bills charged when I was insured by XXXX and should n't be charges, then sold to a collection company whom I do not have contract with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Transunion, XXXX  and XXXX are all lowering consumers credit scores, so the interest rates can be raised and we are charged more. They are allowing lenders to report false and inaccurate information on our credit reports so they can cash in on it. This corruption needs to stop. I have been building a case against them for a year now and have documented 10 failed attempts with the CFPB failure to comply and get the job done. So it is now time to sue all three Corrupt credit reporting companies in order to stop the fraudulent activity on my report. The are breaking Federal Law by lowering consumers scores, so they get paid by the lenders to make sure our scores stay low, so they can charge high interest rates. This is their way of getting around paying government fines and maximizing their profits. THINK ABOUT IT! XXXX XXXX in revenue. Where is all this money coming from? The financial institutions are paying XXXX, XXXX  and Transunion to do this. Why do you think XXXX had the breach. Because I know who is doing it. AND WE ARE GOING TO EXPOSE YOU AND YOUR CORRUPTION> I cant wait until I cash my first settlement check from you XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2015 about Consumer Loan (Vehicle loan) with VEROS CREDIT, LLC. (CA).
Issue: Managing the loan or lease

Complaint: My complain is for a Finance Co. by the name of Veros Credit, LLC. I am a used car dealership that paid off several accounts to them. These accounts were paid off between XX/XX/XXXX and XX/XX/XXXX, as of this date I have not received the ownership titles belonging to the vehicles of the accounts that were paid off by us. In numerous occasions we have contacted their corporate office regarding the release of titles, they REFUSE to release them due to unresolved issues that we have on other accounts, not related to the accounts paid off. Their answer to me has been, title will not be released until our unresolved issues are resolved. 
Veros Credit, LLC. is causing and putting my business in a financial hardship position because of other financial instutions holding on to my money due to us not being able to turn in titles to them that are held by Veros Credit, LLC. This issue has become a domino effect with other lenders.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-08-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NY).
Issue: Loan servicing, payments, escrow account

Complaint: Chase Bank, which holds my mortgage, requires flood insurance on my home because it is in flood zone A. I have always carried full replacement cost coverage. XXXX XXXX severely damaged the foundation in 2012 and XXXX, my carrier, denied my claim and my appeal citing " earth movement. '' The damage remains unrepaired while I try to gather funds to fix it or to sell it. Meanwhile, when the policy came due, I discussed coverage with my broker who confirmed that any subsequent claim for the damaged portion of the house would be denied and suggested I insure the undamaged portion of the house, which I did. Chase insists I continue to carry what they consider full replacement cost, however, and has now force-placed a so-called gap policy which I refuse to pay. Out of curiosity I called XXXX other insurance company representatives and inquired about switching my coverage. Each said they consider the property uninsurable. I have no idea where Chase got this coverage but it is surely overinsurance on this damaged property. I sent Chase damage documentation and a statement from XXXX, and they still insist I pay for the gap policy. I ca n't be the only homeowner in this position. For my own and others ' sakes I want Chase to rescind the policy and stop requiring overinsurance in the wake of storm damage.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I have had extensive difficulty dealing with Equifax. XXXX was by far the easiest, most responsive company to deal with, and Equifax is just completely fraudulent. Equifax not only refuses to remove inaccurate information, and once it is removed, will just place it back on there the next month, but they also would not allow me to have a Security Freeze even with an FTC report and police report. This went on for over seven months, and then, I finally spoke with someone who said they will only do it if I give them the police report AND pay a fee. That is not acceptable. However, because I am dealing with extensive identity theft, I was extorted into paying the fee. Unfortunately, I paid with my checking account, which I will not be closing because Equifax has compromised ALL of my personal data. I want the return of my fee, and I will be going to court over the data breach caused by Equifax. Had they done what I needed earlier, I would not be in this position. I hope this company goes bankrupt and we never have to deal with them again. They were always the company that had inaccurate information and would n't fix it, so it is not a surprise that they would have a hack of this nature. They are consistently unprofessional, non-responsive and derelict in following the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: Since XX/XX/XXXX Bank of America has charged me in excess of {$2000.00} in NSF fees. Just in a 4 week period, I was charged over {$700.00}. The {$35.00} fees were charged even when payments were returned as well as when they were paid. My paycheck for {$2100.00} direct deposited today is nearly gone with most of it being swallowed up to these fees which in actuality amount the most usurious lending practices outside of the mafia. The APR for what I was " loaned '' is well over 1000 %. The average transaction in question was at or less than {$35.00}. I called B of A and let them know that after my divorce I am enrolled in an MBA program and am close to getting a second job. Bank of America in XX/XX/XXXX charged me in excess of {$2000.00} as well. Is this being listed accurately in item # 1 of Bank of America 's 10K? I do n't think so. In fact, I am certain after reading numerous reviews from other victims in my situation that they do this with impunity - they have the lobbyists and we do n't. I am not taking a political stand, I am simply pointing out that even though they had a judgement against them for {>= $1,000,000} in regards to the very same thing - they still operate as 'business as usual '' - this is wrong, predatory and illegal in any other sense. I suppose because of vocabulary terms they are able to hit people for very stiff " vig. ''

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 monetary relief
Consumer complaint received 10/14/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (IL).
Issue: Using a debit or ATM card

Complaint: I submitted a claim for unauthorized charges on my debit card. At the time I was in XXXX. The rep requested information regarding the where about of my debit card wallet etc. I advised her that due to the fact XXXX I sent my personal belongings home with my sister to ensure that they were safe. In addition I advised her that my pin number was written on an identification card for my bank accounts but not stating for which account it was for. I was under the impression that XXXX my sisters many friends took my wallet due to him not being around for few days after however later learned that he did not in fact take it and my sister must have left my bag in her car at home and It was taken. I called and spoke with a supervisor and she advised since I had given my pin to someone or allowed my XXXX son to see me using my pin I am somehow responsible for charges that someone made without my approval, and it was not anyone that I knew personally. They refuse to re-open and investigate look at ATM Cams or surveillance. How am I to feel protected against fraud and misuse of my card when the bank will not protect me

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Application processing delay

Complaint: I applied for a AMEX Card on XX/XX/2016, I was notified on XX/XX/XXXX that my application was cancelled reason given- The reason for our decision is that you have reached the maximum number and type of Cards that we will approve within the period of a few months. Please know that your prior application ( s ) has been approved and your Card has been sent to you. 
I never applied before XX/XX/XXXX, I called AMEX and was told they only have XXXX application and it was cancelled. They also informed me that I do not have an AMEX Card. They are not able to tell me why they have stated the above in the letter they sent. They suggested I permit them to " Re-Underwrite '' the cancelled application. I do not understand this approach, as this would negatively impact my Credit Score ( XXXX inquires from AMEX within a week ).

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I recently had a death in the family. And i am only behind XXXX. Me and my wife receive between XXXX calls a day. Some times we will get them back to back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/18/2015 about Bank account or service (Checking account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Problems caused by my funds being low

Complaint: My complaint is about overdraft fees and service charges to my bank account in excess of {$130.00} accrued in less than XXXX month due to overspending the account by {$40.00}. 

I opened a checking and savings account with Citizens Bank after receiving an incentive in the mail - open an account, receive {$200.00} after making several deposits. I initially deposited {$200.00} into the new checking account, and {$25.00} into savings. I made several purchases in XXXX 2015 and was charged XXXX {$35.00} overdraft fees totaling {$70.00}. Beginning XXXX XXXX and going on for the following XXXX days ( I am still unclear how long exactly this will continue or how to make it stop ) I have been charged an additional {$6.00} " service charge '' for " sustained overdraft fee '' EVERY DAY plus {$2.00} for the statement delivery. When I called the bank they were not able to clearly explain to me when the 10 days starts or stops. They also said it was not possible to close the account or cancel the fees until the account had been paid in full. I only overspent my account my {$40.00}. I am happy to pay that back as that was an accidental overage, but to now owe this bank almost {$140.00} more because they did not clearly explain their overdraft practices when I opened the account seems wholly unfair and unreasonable. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-07-2018 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: Account status incorrect

Complaint: I obtained a XXXX XXXX in early XX/XX/XXXX. I called at the beginning of XX/XX/XXXX to report my card had been stolen. I called within the required time frame and I was told by the company that they would send me an affidavit to fill out, notarize, and send in. Since then, I called three more times to express my disappointment in not receiving the affidavit and in fact, receiving continued bill notifications and a late fee instead. I made a payment of {$80.00} only because the service representative said it was necessary due to the yearly fee of {$75.00}. Both representatives during two calls indicated that the late fees would be waived. After that payment, I received another notice of a supposed late payment and the company 's possible intention of sending me to collections. In XX/XX/XXXX, I received an email stating that my bill was ready to view online, but since I reported the stolen card, I have not been able to access my account online. Since then, I received another notice that my account was past due. And now the company, XXXX XXXX, that controls this credit card, has reported me to the credit bureaus with claims of late payments on a stolen card. 
Yet, I have still not received the affidavit form. I have every intention of filling it out to dispute the charges made, as specified in my first two, now three calls. I do not intend on making payments on the account based upon these charges. I do not understand why it seems your agency is so readily able to send me bills and late charge notices, but can not get me the required affidavit to pursue the disputed charges. Now my credit has been very negatively affected.

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 05-08-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: Ever since my student loans were switched from  XXXX   XXXX  to  Navient I have had nothing but problems. I have contacted Navient on multiple occasions to discuss lowering my monthly payments. I pay my loan every month on t ime even though I am struggling to do so. I have asked for help but when I call I am told there is nothing that can be done. Every few months my monthly payment amount goes up a few dollars without my knowledge making it even more difficult for me to make the payment. From  XXXX   XXXX / XXXX / XXXX  my payment was {$290.00}.  78 t he following month  XXXX / XXXX / XXXX  my payment went to {$340.00}. Then two months later  XXXX / XXXX / XXXX  my payment went up to {$340.00}. Then  XXXX / XXXX / XXXX  it went up again to {$350.00}. In  XXXX   XXXX / XXXX / XXXX  it went up again to {$350.00}.  XXXX . Now I just received my  XXXX  bill and it went up again to {$360.00}.  XXXX . I called for help and was told that the interest rates keep going up so I asked if I can lock into a fixed interest rate and was given no help. I was told to write a letter which I did and never received any feedback. I am obviously not the only consumer having trouble with this company since they are currently being sued. They do not help at all. They do n't advise of any other payment plan options for people struggling to repay their loans. They are rude on the phone on top of this. I have Federal student loans on top of these plus my own personal bills. It 's horrible that this company treats people this way.

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2015 about Payday loan () with First American Solutions, LLC (OH).
Issue: Can't contact lender

Complaint: Keep receiving calls from First American Solutions, LLC about a payday loan from 2010, insisting I did not repay the loan. They do not give any details about the loan, just that you will be served papers and call them back immediately. I googled the number at XXXX, saw several online comments about this being a Scam company. They tell you if you do not respond within 48 hours you will be prosecuted and going to jail, threatening you.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/21/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (MO).
Issue: Deposits and withdrawals

Complaint: Reference to Case number : XXXX ], Bank of America charged me a XXXX NSF fee because they held my certified funds cashier 's check funds for 9 days. This is an additional complaint for the XXXX Hide additional information for activity type bank charge XXXX NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING ... 

Edit Description activity type bank charge status type icon cleared Cleared. Select to mark activity type bank charge XXXX NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING ... as Reconciled XXXX XXXX Type : Bank chargeDescription : NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING DATE XXXX POSTING SEQ XXXX Merchant name : NSF : RETURNED ITEM FEE FOR ACTIVITY OF XXXX ELECTRONIC TRANSACTION POSTING DATE XXXX POSTING SEQ XXXXSelect to Editthe merchant name Transaction category : get more information about transaction categoryUncategorized : Pending

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 monetary relief
Consumer complaint received 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: As of XX/XX/XXXX, Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX PUBLIC FILINGS XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Alpine Financial Solutions, Inc. (PA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I was contacted twice on XX/XX/XXXX by a company calling themselves " XXXX '' and they represented " XXXX XXXX. '' I was told that I owed them a debt from 2008 and that they were hired to attempt to collect the debt prior to trial. I have never dealt with " XXXX XXXX. '' They also provided a social security number that was not mine but did not believe me when I told them that was not mine. I did not provide any information and told them that I do not believe them, I think this is a scam and I am reporting them immediately.

Company response to consumer: Untimely response
Consumer complaint received 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have send Equifax several letters disputing inquiries that I did not authorize. for the following companies : 1.XXXX XXXX XXXX-XX/XX/XXXX 2.XXXX-XX/XX/XXXX 3.XXXX XXXX-XX/XX/XXXX 4.XXXX XXXX-XX/XX/XXXX I have faxed, called, and send letters disputing these inquiries in which Equifax has did nothing more but ignore my letter, faxes, and disputes all together. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights. Equifax has failed to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature authorizing an inquiry in the absence of any such documentation bearing my signature I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FACTUAL DATA CORP. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX XXXX pulled my credit more than one time resulting in two hard hits to my credit report. I would like them removed as so when I apply for a mortgage I will be approved. It seems like they pulled twice when I told them I had a XXXX already and I have a better score now, but they did not understand that they did not pre approve me but still tried to pull my credit score to " see '' if they could do anything, I said no, I know what my credit score is and I have to find a lender to give me a pre-approval letter for a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Consumer Loan (Vehicle loan) with Byrider Franchising, LLC (SC).
Issue: Managing the loan or lease

Complaint: I was behind on the loan and got caught up. The loan is due on every other Friday and I get paid every other Monday. I made a promise to pay on the Monday that I pay, so my promise to pay was XXXX/XXXX/16 and I got a phone call harassing me about my payment after I made the PTP. They called me 3 times and sent a text message. I called them and was told if you pay your bill on time I would not call you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation