milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with NAVY FEDERAL CREDIT UNION (MD).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  MD  XXXX   XXXX   XXXX ,   XXXX   Credit Bureaus (  XXXX / XXXX /  XXXX   ) To whom it may concern : I sent a certify letter back in  XXXX  of   XXXX   requesting documentation for the following late payments listed below that are reflecting incorrect data. This is my third attempt to rectify this issue. Please re - investigate and make the necessary adjustments to my credit file.  <P/>  Navy Federal (  Signature Loan )  XXXX  Verification of 13 late payment on :  XXXX   XX/XX/XXXX   XX/XX/XXXX   XXXX   XX/XX/XXXX   XXXX ,  XXXX ,  XXXX , XX/XX/XXXX ,  XXXX ,  XXXX   Navy Federal   (  Auto Loan  )   XXXX  Verification of  19  late payment on :  XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX   XX/XX/XXXX   XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX   Navy Federal  (  XXXX  )  XXXX  Verification for  7  late payment on :  XXXX ,  XXXX ,  XX/XX/XXXX   XXXX ,  XXXX  XX/XX/XXXX  Navy Federal   (   XXXX   )   XXXX  Verification for 7 late payment on : XX/XX/XXXX ,  XXXX ,  XXXX ,  XXXX  XX/XX/XXXX  Thank you  XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Ive been speaking with XXXX XXXX from the advocate department regarding incorrect information reporting to my credit report. I received a response on XX/XX/2018 and the late payments were updated from 8 to 5 late payments but it was only updated on one report the XXXX report. When Ive been trying to email and ask for a response to have the accounts updated on all of the reports I have heard no response. I have sent multiple emails asking them to update my Experian and XXXX  reports as well and have had no response.

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 01-05-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Credit card protection / Debt protection

Complaint: Over the phone purchase was made XX/XX/2016 frrom saks XXXX..Did not receive purchase From.Saks. XXXX claims they have signature of mind ITS not possible .File claim with XXXX they said shipper must file all claims.because of the agreement with saks..Saks never file claim I would like your help to dispute this claim. Thank you..

Company response to consumer: Closed with explanation
Consumer complaint received 04/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I contacted Bank of America when I saw a charge on my account that I did not make on XX/XX/XXXX. I was advised to close my account and they would overnight me a card for the new account due to the fraudulent charge. When I did not receive the card within 2 days, I called back. That representative told me only that my card was not sent out but that she would get it sent out to me, again overnighted. I was not given any information about issues sending me a new card by either representative I spoke to previously. 

When I got home today on XX/XX/XXXX, I checked my mail, only to find a letter from Bank of America that my " credit request '' was denied. I called their " Customer Service '' to inquire why I still had not been sent a replacement card. only to be told that they needed to access my credit, in order to send me a new card. WHAT???? I did not ask for a credit limit change, and I was the victim of credit card fraud, how is this legal? And in fact, looking online, they had already changed my account number and transferred all previous charges to my " new account '', but they are denying me a card unless I give them access to my credit reports, which were frozen in XX/XX/XXXX due to Identity Theft, reported to the FTC. Why in the world would I open my credit reports to access when I have just been the victim of credit card fraud????? 

I have been majorly inconvenienced by this, as I have multiple accounts tied to this credit card for automatic payments, at least one of which has defaulted due to this issue. 

Can you help me please? I think requiring your credit be accessed in the case of credit card fraud can't be right. They changed my account, I can see it online, but they will not issue me the replacement card unless they can access my credit?????? They obviously processed the change already. I am the victim, not the criminal. 

Sincerely, -- 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 monetary relief
Consumer complaint received 03/17/2016 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (TX).
Issue: Other service issues

Complaint: I was sent an email from XXXX XXXX saying he wanted to know if I wanted a job paying {$500.00} a week to carry the XXXX logo on my truck. Told him that I was interested, he took my information and sent me a contract from the company XXXX drink. Told me he would send me a check from the company account for XXXX. Seven days later I received the check he told me that I need to deposited the check as soon as I received it because I need to send the money to XXXX XXXX the artist that would be wrapping my truck with the XXXX. After I deposited the check he told me to send XXXX XXXX and I was to keep XXXX as a down payment and that when she came out she would bring the rest which was XXXX. So I did a couple of days later my bank said the check was no good and that they were sending the check back but because I withdrew the money to send to XXXX XXXX I was responsible for the check. Now my checking account has been closed and I am out of XXXX because of the wire transfer fee. I have all the information reference number, amount, where it was sent and who was picking it up. I need help ... .please. Will I be able to get this money return to me or what is the next step?

Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: After checking my credit report in   XXXX   XXXX  , i found a credit card account from  Capital One which i never opened and didnt know about. I called Capital one immediately and informed them of fraud on that account. Capital one s ent me forms to sign which i did and returned to them. They told me they would close the account and remove it from my credit report history. I was assured that the case was closed and complete.     On Friday   XXXX   XXXX   XXXX  , i found a letter in my mail box demanding payment for a ca pital one cr edit card. I checked my credit report immediately and found out tha t Capital One h as been reporting this account as negative for the last two years.I called  Capital One  on   XXXX   XXXX   XXXX   to find out what is this account is all about. I was taken from department to department with no help. Finall  y, the Capital One representative told me they dont own this account because they sold it to a debt collector.
The question Capital One was evading from aswering are : 1. If the account was reported as fraud i  n  XXXX  and   Capital One said it was closed, why did they keep it open and sell it 4 yrs later and report it to the credit report of the person who reported the fraud?
2. Why does Capital One keep on demanding payment from the person who was defrauded and actually reported the fraud?
3. Why cant Capital One send   demand letters for payment to the address they sent the credit card to?

Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Retrieval-Masters Creditors Bureau, Inc. (AZ).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: I took out a couple loans in 2013 against my XXXX XXXX. The following year, due to uncontrollable bills from XXXX XXXX, I had to begin the process of filing for bankruptcy. The past 6-12 months this debt collection company, Retrieval Masters at XXXX, calls me multiple times daily to inform me a lawsuit is being served to me for criminal intent. My Bankruptcy Attorney has tried to call them numerous times, but the debt collection company hangs up on his office as soon as they mention they 're representing me. Last week, this company called a friend I used as a character reference for the loan and told him I committed Internet Fraud, or something similar. They call 6-10 times a day and this has got to stop. 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 10/30/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (MA).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: XXXX XXXX, XXXX cbna/thd company made a hard inquiry to my account. this was unsolicited and not authorized

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 11/14/2017 about Vehicle loan or lease (Loan) with American Credit Acceptance, LLC (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was apart of the XXXX breach and signed up for the monitoring service XX/XX/XXXX. At this time I saw an account listed for American Credit Acceptance for a car loan. I knew this was n't an account that belonged to me because XX/XX/XXXX I  purchased a car an established a loan with XXXX. I work a part time job and would never purchased two cars. First I filed a FTC identity theft report. I also disputed the information with all 3 credit agencies. The results of the investigation came back as accurate information. I disputed the information again with my FTC paperwork, copy of my ID, information for my real auto loan and information that someone else got a ticket in my name using a lost ID in XX/XX/XXXX. I  also sent all this same information to American Credit Acceptance with a request to provide me documentation for the loan that supposedly issued in my name. They send me back there investigation finding that said signatures matches, address matches and picture ID matches. There findings is there is no evidence its not me. They also sent the credit application. The application is basically blank with limited information no filled out completely at all. They did n't provide me with the copy of the ID that was used which they claimed matched my ID. The signature on the paperwork does n't match my signature at all. I never applied for this loan. One of  the biggest things that also make this unbelievable is because of issues in the past with someone getting a ticket in my name and someone trying to get services in my name I have a statement of my credit report. No one should issue credit in my name without contacting the phone number listed on the credit report. American Credit Acceptance never contacted me to verified I was the person getting credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2016 about Payday loan () with SECURITY FINANCE CORP (NV).
Issue: Can't contact lender

Complaint: I have informed Canyon Finance to not contact me every single day. I can make the payment on the next payday and they keep calling multiple times a day to inform me that I owe them money even tho I told them to stop calling me. They have even called my step sister XXXX and I asked them to stop and they call me and all my references even tho I am paying them but the payment is late. Most places will work with you. They intimidate me to take out another loan and call me multiple times a day if my payment is late. I informed them to stop and they have threatened me with statements like, " we 'll just see about that. '' That was when I told them I would report them to XXXX if they did n't stop calling me multiple times a day.

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 07/22/2015 about Payday loan () with Alliant Capital Management LLC (GA).
Issue: Can't contact lender

Complaint: The company, Alliant Capital Management LLC, harasses me by telephoning my cell and work numbers and my relatives continuously. The messages left on my phone has been " this is a courtesy call, documents are being filed today in court against you ''. I did not return their unwarranted calls after viewing the company 's reputation on the Internet. If was only after my relatives complained about the calls that I called them back. I insisted that the company needs to be send me a letter concerning any alleged debt to my home address via US Postmaster. Instead, I received an email stating that I had agreed to a payment plan and that they had my bank account information. The email mentioned the original creditor of " XXXX '' which I found out was a payday loan company which is illegal in my state of residence of Georgia. I am sending a certified letter today prohibiting further contact from this company by phone calls. Also, I clarified that I dispute the validity of the alleged debt. In addition, I notified my banking institution of possible fraudulent behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (OH).
Issue: Loan modification,collection,foreclosure

Complaint: I went to pay my JP Morgan Chase mortgage on line and the option was n't there. I then went to my bank and the bank manager had to make several calls to find out what had happened to my loan. From what I read they are required to notify me before they to the transfer. I did get anything in the Mail, E-mail, message through chase.com, phone call, or push notification with the chase app. That 5 ways they have and do contact me and they did n't.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Hi I have been disputing this issue with the credit bureaus since XX/XX/XXXX. I keep telling them I did n't authorize the inquiries from XXXX XXXX made on XX/XX/XXXX and XXXX XXXX XXXX made on XX/XX/XXXX. I did n't give any permission to these two companies to pull my credit report and and to my understanding it is illegal to report false information on a consumers credit report. Please help I do n't know what else to do! They are n't listening. This is hindering me from a lot of things.

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 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (WI).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I had loans that went into repayment at XXXX different times. When the XXXX loan went into repayment, the monthly payment was way more than I could afford. I wanted to apply for the income based repayment plan. The representative from Navient said that she would put my loans on forbearance for 2 months until the results came back from the income based repayment plan. She did n't help me at all and my loans were in forbearance for a year!

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (SC).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Promotional balances do not earn interest if paid in full by expiration date. My payments ( quite often large amounts ) have been allocated to promotional balances, causing interest charges and inflated balances, even after I made an allocation request and company assured me that payments would be allocated according to my request. I have even received letters from the company confirming that payments were allocated, only to log on to my account online or receive a statement showing that the opposite was done and I was being charged interest on a balance that was paid. This is an ongoing issue. Customer service agents blame " the system ''. I am forced to deal with repeated calls, online chats, paper statements only an accountant can translate, and incorrect and misleading online account records. It is all very confusing and I believe a deliberate attempt to wrongfully charge fees and interest. I am certain that it is adversely affecting my credit in as much as actual balances are skewed by the company 's repeated failure to immediately update my account and properly credit my payments.

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 08/20/2015 about Debt collection (I do not know) with Resurgent Capital Services L.P. (NH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I contacted the collection agency on multiple occasions via returned receipt regarding verification of debt. The collection ignored my requests to verify this debt. I also sent CRA certified letter requesting the same. CRA response was that they verified. I have never received any verification from this agency and request that it be removed from credit report. They never validated debt to me and are in violation of FDCPA and continue to report on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2016 about Payday loan () with Advance America, Cash Advance Centers, Inc. (OH).
Issue: Charged bank acct wrong day or amt

Complaint: I received a letter from XXXX stating that they were going to use a remotely created check to access my account on XX/XX/2016. I wrote XXXX a letter revoking my authorization to access my account. I also sent a letter to my bank, XXXX Bank, requesting they place a stop payment on any check from XXXX. I checked my bank account on XX/XX/2016 and saw that a check in the amount of {$500.00} had cleared from XX/XX/XXXX. I had other checks pending so it cause me to be charged an overdraft fee. I tried numerous ways to get in touch with my bank about this matter and was referred to someone who is never in the office. It has been a month and I had to pay {$500.00} in overdraft and returned check fees. I now have another {$250.00} to pay in overdraft and returned check fees because XXXX tried to access my account twice more. I am still waiting for the bank to do something about it and will probably be told there is nothing they can do because that 's all I have been told by them so far.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (CO).
Issue: Account opening, closing, or management

Complaint: JPMORGANCHASE OPENED SEVERAL ACCOUNTS TO XXXX XXXX UNDER MY NAME USING MY SS # AND STOLEN/FORGED DL # AND I HAVE DISPUTED THIS FOR WELL OVER 6 MONTHS TO VARIOUS DEPARTMENTS IN THEIR COMPANY. PLEASE SEE INDENTITY THEFT VICTIMS COMPLAINT & AFFIDAVIT / POLICE REPORT / LETTERS FROM CHEX SYSTEMS / XXXX / AND XXXX XXXX XXXX. ACCOUNTS WERE OPENED USING A FRAUD PHONE NUMBER XXXX - FURTHER INVESTIGATION UNCOVERED ACCOUNTS WITH JPMORGANCHASE WERE OPENED ONLINE USING XXXX ADDRESS : XXXX. THIS IS AND NEVER WAS MY XXXX ADDRESS ON ANY COMPUTERS. CONTACT EXECUTIVE OFFICES @ XXXX EXT XXXX ADDRESS : XXXX XXXX NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CT).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I was originally on an interest-only repayment plan. I received a letter stating that repayment plan was going to expire and I was not eligible to renew it. Before it expired I tried calling the company to find out about what payment options I had and I got jerked around for weeks. They kept telling me they could n't talk to me about it until my current plan actually expired because all they could look at was what my payment plan currently was and not what it could be in the future. They said the only way they could talk to me about future plans would be if first I voluntarily cancelled my current plan early. When it finally did expire and the new plan started, my monthly bill almost tripled. The current monthly amount due is about 40 % of my monthly net income and is hundreds of dollars more than what I have left over after I pay my other bills. I called and tried to set up a different payment plan because I could not afford what they were billing me for. They asked me a bunch of questions about my financial information and about my cosigner 's financial information. They told me that I did not qualify for any repayment plan besides the one I was currently on. They said it did not matter that it was an impossible amount for me to afford and suggested that I tell my cosigner that they had pay the difference. I 've been paying them what I can every month, but it is a lower amount than what they are asking and it 's starting to become a problem.

Company response to consumer: Closed with explanation