milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/21/2017 about Payday loan, title loan, or personal loan (Installment loan) with Prosper Marketplace, Inc. (MN).
Issue: Problem when making payments

Complaint: On XX/XX/XXXX they went to pull their payment out it failed cause I didnt have enough funds in my account and payment was rejected. On XX/XX/XXXX Prosper said they tried to pull the funds again and that pull failed but my Bank XXXX XXXX XXXX XXXX has no record of the payment coming in. On XX/XX/XXXX I made a manual payment and it went through but has not been applied to my account see details below. I contacted prosper the phone rep gave me the run around and said I needed to bring the account current and then went on to say that they did not have payment I tried to explain that payment was sent on XX/XX/XXXX and the XXXX did not return it. I then asked for a detailed statement of all payments made they could not send one out. On XX/XX/XXXX I plan to bring the account current but the fee they are charging me on XX/XX/XXXX should not be applied and that payment I have sent them on XX/XX/XXXX needs to be found and applied to my account ASAP. No one with prosper this far has been able to tell me where the funds went. The XX/XX/XXXX payment was made directly to Prosper using their AP where did the funds go. Prosper Transaction information : Date Amount Principal Interest Status XX/XX/XXXX ( {$420.00} ) - ( {$6.00} ) Failed XX/XX/XXXX {$420.00} {$420.00} {$6.00} Success XX/XX/XXXX ( {$420.00} ) - ( {$69.00} ) Failed XX/XX/XXXX  {$420.00} {$350.00} {$69.00} Success XXXX XXXX Transaction information : XX/XX/XXXX RETURN CHECK NSF CK NBR : XXXX RTN CK AMT : {$420.00} {$30.00} ( {$30.00} ) - payment returned and should have been XX/XX/XXXX  PROSPER MARKETPL LOAN PMT {$420.00} {$440.00} - payment made and not returned

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2016 about Credit card () with BARCLAYS BANK DELAWARE (NJ).
Issue: Payoff process

Complaint: My client has received late payments on XXXX separate credit cards from XXXX 2015 to XXXX 2015. She has reported to these credit cards companies that she was in the hospital during this period of time involuntary and so she could not pay these credit card monies. She was out of the hospital in XXXX 2015 but for XXXX and XXXX she received late payments fee 's as well due to not being her payee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01-06-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: There are addresses, collections and inquiries that are fraudulent. I have mailed a number of letters and documentation with no response. 

The following collection accounts that are fraudulent and connected to addresses that do not belong to me include XXXX XXXX XXXX ( XXXX XXXX XXXX for {$510.00} ), XXXX XXXX  XXXX ( XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). 

the inquiries are XXXX XXXX XXXX XXXX on the dates XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ),  XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), CONTEMPORARY INFORMATION ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX/XXXX ( XX/XX/XXXX)

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-09-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: Based on goods not delivered by the merchant, a dispute was submitted. Prior to submitting a dispute, I contacted the merchant to resolve. I got an email from Amex indicating that there was a secure message which I was not able to find in the site and unable to access. At this point, I used the chat feature to connect with Amex to see what they required for dispute information. The information on the dispute was generic and did not provide specific for me to action on. " We require additional information from you to resolve your claim. If you have not done so already, please provide the requested information at your earliest convenience. The Inquiry Reference Number is displayed above. '' I tried the upload but that received an error and the agent gave me another link to another page to upload which failed few times. First chat agent did not seem to understand the issue so I asked for supervisor. Supervisor asked to submit a letter detailing out the issue which was addressed in the original complaint. When I asked, there was no additional information nor there was any additional information. I did not receive specific information about request in paper mail or email asking for information. I have uploaded the letter, order, invoice with merchant note indicating not shipped, and merchant indicating they will refund missing item. Chat reference : XXXX Inquiry Ref. No. : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XXXX-17 My husband and I we 're trying to refinance our vehicle thru XXXX XXXX XXXX. We were approved only to be called an told they could n't because our current company XXXX XXXX was n't FDIC Insured. We asked if their company would still show on credit or affect and they said no. Well that was n't true. Dropped about 20-30 points ot seems and we 've worked hard at fixing our credit. We really need this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Debt collection (Non-federal student loan) with ConServe (CO).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Conserve claimed that I authorized repeated payments, and they continued to take monthly payments out of my account, they also lied about previous payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Checking or savings account (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I recently opened a Capital one 360 Checking and savings account XXXX XXXX 2017 using a promotional code I received via email from Capital One. The promotion stated that it was nationwide and that new customers had to enter the bonus code during account opening and too meet the two direct deposit requirements outlined in the offer. I have completed more than two qualifying direct deposits and I still have not received the {$400.00} bonus. I spoke with a representative and he told me the bonus I referenced is for targeted customers only and that he could offer {$100.00}. Now from my understanding the email stated nationwide not targeted customers only. Also if that is true the bonus code should have been rejected during account opening. It is completely unfair for me to not receive the correct bonus amount of {$400.00}. I know other customers who have signed up using this promotional code and did not live in XXXX and still received the {$400.00} bonus. I would like for Capital One to resolve this issue by honoring the {$400.00} bonus and posting it to my 360 Checking.

Company response to consumer: Closed with explanation
Consumer complaint received 03/20/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (FL).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I have successfully contact the debt collector to arrange my file but i was told that they could not provide me with the information. i was asking to find out what is it that they are charging me for ( invoices, letter, etc ). They did not provide the information for my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 07/31/2017 about Debt collection (Auto debt) with Sortis Financial, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I first received a letter from Clear Spring Loan Services , Inc. in XXXX of 2017, their letter which is attached was dated XX/XX/2017, and immediately sent them a letter disputing this alleged debt and asking for them to verify it. I received nothing back until just recently, letter dated XX/XX/2017, which clearly shows they totally ignored my letter which they received on XX/XX/2017 and was sent USPS Certified Mail with Return Receipt. I am asking Clear Spring Loan Services , Inc. to either verify this alleged debt or delete this from their records and from my credit report if it was reported. They also have n't proved to have any right to be on my credit report because I know for a fact I 've never contracted with them nor consented them to be able tomake any communication on my credit reports. Clear Spring Loan Services , Inc. is also violating the  FDCPA by continuing collection activity when they can not provide any documentation to prove I owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (OR).
Issue: Loan modification,collection,foreclosure

Complaint: We applied for and were granted a loan modification because of financial hardship. We paid early and on time. Loan modification was denied before I could make last month 's payment. According to NationStar, we did not return signed documents. We never got the documents, and Nationstar has no proof that they either sent them or that we received them. They now say we owe them over {$3900.00} which we do not have. 
We did not receive any notification during any of this process that documents were missing. We also took part in XXXX program and NationStar was very hard to work with and said they had transmitted information to the program when they had not ; In addition, they transmitted the wrong payment amount. I have XXXX confidence that they do what they claim they have done. This appears to be some kind of scam in order to foreclose. We have been unable to get a decision making supervisor to contact us about this. We have been calling and emailing since XXXX 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: There is a agency collecting for an XXXX account which is unknown. I have requested validation and contract I signed and proof this is an account that belongs to me. This is unknown and the date is unknown. I want to see an actual contract with my signature on it. This simple statement does n't validate anything. Please help.

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 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I obtained my annual credit report XX/XX/XXXX. Upon reviewing I noticed I have 30+ inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XX/XX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? 

PLEASE HELP! 

_____________________________________________ Auto Dealers? 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX _____________________________________________ XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/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 06/20/2017 about Vehicle loan or lease (Loan) with Ray Skillman GMC Truck Inc (WI).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: Ray Skillman XXXX XXXX in XXXX, IN, the buy here pay here section, was given a XXXX XXXX XXXX XXXX ( XXXX in color ) back because the vehicle had to many issues and had been looked at three times for electrical issues in the passenger front door panel. The dealership placed a voluntary repossession on my credit. I gave them back the van so that we did not have to go too court because of the state 's lemon law. There are two issues that are present, first when the vehicle was sold and prior to any documents being signed we found out that the vehicle had been in a car accident and was not reported. At that time a written agreement was written and was signed by the sales manager, that if there was any problems with this vehicle that they would do what was necessary to get us out of it. Well they never feel through on this agreement ( it is on the back of the first page of buyers agreement ). Second I gave the company the three strikes that is required by Indiana state law to declare this vehicle a lemon but they still claim on my credit as a voluntary repossion. This vehicle was given back to them because the electrical problems were causing issues with driving and the passenger front window would not go up or down at times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I made arrangements with XXXX bank that during the months of XXXX through XXXX I would pay XXXX per certain months that my account would be listed as current. This is in regard to credit card XXXX XXXX XXXX XXXX my account should be listed current XXXX through XXXX XXXX. I called XXXX and they agree and told me to dispute this my email address is XXXXXXXXXXXX phone XXXX please reach out and tell me what I need to do

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with fraud alerts or security freezes

Complaint: Dear Sir/Madam Experian will not allow me to freeze my personal credit online. XXXX and XXXX allow the process to be done online but not Experian. They request police report and other documents. as a consumer I should be able to freeze my credit online with no problems. can you please assist me in this matter?
thank you

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 05-03-2017 about Debt collection (Federal student loan debt) with WELLS FARGO & COMPANY (TX).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Debt collector is not bonded in the State of Texas and bond has been cancelled since  1998 . It is attaching other names to their own in order for them collect in the Texas.

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 08-10-2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (FL).
Issue: Making/receiving payments, sending money

Complaint: On more than one occasion I took a check written to me from a business to their bank ( and their bank branch ) and was informed by the bank I would be charged a fee because I did not have an account at that bank. Their client wrote the check to me for their convenience and record keeping, I should not be penalized. If I deposit the check in my account and if funds are not available then my bank will charge me a fee. I should be able to cash a check written to me at the bank that the check was drawn from, without being charged a fee.

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 03/26/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (MI).
Issue: Problems caused by my funds being low

Complaint: Chase bank, intentionally reorders transactions that are processed through a checking account in order to generate additional fees for accounts that go into overdraft. 

For example, If I have a balance of XXXX in my account and they process XXXX transactions and the order of those transactions is 1 ) XXXX 2 ) XXXX 3 ) XXXX If these are processed in the order received there would be a single change of XXXX. 
However Chase reorders these transactions largest to smallest, resulting in XXXX charges of XXXX resulting in charges of XXXX the maximum they can charge in one day ( a total of XXXX transactions ). 

2 ) If you call to ask them not to process recurring transactions on your account they tell you that they can not stop these transactions, or inquire about what the criteria is for processing a transaction when your account is in overdraft they will not give you a specific answer, they say that it depends on your account standing, but also will not/ can not tell you what standing your account is in, effectively making it a complete mystery as to what automatic payments will be payed and which ones will not. 

I believe that they are intentionally withholding information, and manipulating account processing in order to generate more revenue, and defrauding the customers that can least afford these fees of their hard earned money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-04-2016 about Mortgage (Conventional fixed mortgage) with BAYVIEW LOAN SERVICING, LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: I had a loan with XXXX XXXX XXXX and recently transferred to Bayview Loan Servicing. 
I had received an Agreement from XXXX XXXX XXXX to be approved for the Home Affordable Unemployment Program as of XXXX/XXXX/XXXX to begin XXXX/XXXX/XXXX. I have been unemployed since XXXX XXXX, XXXX. The loan transferred to Bayview Loan Servicing on XXXX/XXXX/XXXX, and now they are NOT wanting to honor the 6 months Forbearance ( Affordable Unemployment Program ). As far as I understand the Making Home Affordable guidelines, the new Servicer is to honor any agreement previous to the account/loan transfer. Please help me settle this issue. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Company name is southwest credit, located in XXXX tx. 
They are calling me everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Consumer Loan (Vehicle loan) with PRESTIGE FINANCIAL SERVICES INC (TX).
Issue: Taking out the loan or lease

Complaint: I am currently purchasing a car, financed by Prestige Financial Services. The day before the due date, the persistent calls, text, and emails start. If I am late the emails become very rude, abrasive and threatening. When it 's brought to their attention the context of the email, the answer is, anyways it needs to be paid. Upon further investigation and trying to refinance the vehicle, I 've found out I owe XXXX on what the car is worth at the moment. The crude and inconsiderate tactics of this company alone makes a consumer not ever want to deal with them again. I have contacted the XXXX previously and the calls, text, and emails stopped for about XXXX months. Only to be turned over to another finance person and the calls and emails are more rude and threatening as ever. I was unaware that there is no grace period available on this loan, however, I always pay the bill monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (OH).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are several late payments from the months of XX/XX/XXXXto XX/XX/XXXXthat are inaccurate I am not responsible for the inaccurate information reporting to my credit file please fix this ASAP

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