milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I hate the fact that I have to file complains on this one credit bureau that is always causing problems failing to comply and the representatives I get on the phone are rude dont listen have attitudes misrepresent the company, give false information and not realizing im documenting everything. THE REPRESENTATIVES ARE RUDE WHEN ASKED TO LOOK OVER A LEGITIMATE MATTER WITH LIGITIMATE FACTS ... 

I disputed a account with Experian recently a account called XXXX XXXX  XXXX THAT THE HAD A IMPROPER NOTATION LISTED FOR YEARS, INCLUDED IN BANKRUPTCY BUT AS WE ESTABLISHED THE BANKRUPTCY WAS NOT MINES THEY DELETED THEREFORE WAS SUPPOSED TO DELETE THAT INCLUDED IN BK ACCOUNT ... .instead what they did was they went in and deleted the notation and leave the account reporting all kinds of false information, to make matters worst they deleted a XXXX XXXX XXXXXXXX account but not the right account, the one that was supposed to be deleted is the one with a balance of {$810.00} the one they deleted was a positive account, this is the second time this month they have deleted a account but not the account that I actually disputed, they deleted the wrong account ... then the rep told me that the data furnisher made the decision to delete the positive account, which they sent me a letter saying they never made that request along with the lettter stating that they never list any account with them with a bankruptcy notation, so experian did that all by themselves, I have full paper trail ... the agent twisted her words on a phone call made today at XXXX eastern standard time, when she first claimed I disputed the account that was deleted, then when I challenged it she said the furnisher did it, which I know is incorrect ... they made me lose 30points on my credit they want to keep bad information thats not supposed to be reported and delete my good information and then be rude and not listen to me and not try to correct the error.. ACCOUNT TO BE REMOVED : XXXX XXXX XXXX ACCT # XXXX XXXX BAL : 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 09-02-2015 about Mortgage (Conventional fixed mortgage) with Fay Servicing, LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: On XXXX XXXX, 2015 I changed my mortgage insurance company Fay servicing was faxed the information from my broker on this day. In XXXX Fay servicing said we had no insurance so I had the broker XXXX XXXX Insure All ) re-fax the information to Fay servicing. In XXXX I called Fay servicing to see if everything was in order and the informed me that they had not received the fax any of the times it was sent to them. So I called the insurance company XXXX XXXX underwriting services ) and had them fax directly to Fay servicing the paperwork that shows I have insurance. Fay servicing said that they did not receive it by fax so the insurance company e-mailed me the documents and I e-mailed them to Fay servicing. This has been done XXXX times now and I sent the information by certified mail to them at the address that Fay servicing gave to me. Fay servicing has not recognized my insurance and this is now a problem because if payment to the insurance company is not made by XXXX XXXX, 2015 I will be cancelled. On XXXX XXXX XXXX, 2015 I talked to Fay servicing and spoke with XXXX XXXX, he had me e-mail the PDF directly to him as we talked, he then stated that he received it and was scanning it to send to everyone 's e -mail in the office as he was talking to me. I asked if I should call back tomorrow and he asked if I would give him XXXX hours to get the information to the insurance department and get a response from the so he could correct the issue. He also stated that I talk to no one but him. I gave him his XXXX hours and on XXXX XXXX, 2015 I called him at XXXX at XXXX and XXXX my time and I left a voice message each time. It is XXXX my time today and he has yet to respond to my two messages. This issue needs to be resolved before the XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: On XX/XX/XXXX, I issued a Chase Bank check # XXXX in the amount of {$500.00} to XXXX XXXX for work performed at our house. The next day XXXX XXXX informed me that he 'd lost the check. I contacted Chase Bank and they instructed me to issue a stop payment on the check and reissue a replacement check. They advised me to wait a few days to make sure the original check did not clear the bank. On XX/XX/XXXX, I placed a stop payment on check # XXXX and was charged a {$25.00} fee by Chase. On XX/XX/XXXX, I issued XXXX XXXX the replacement check # XXXX in the amount of {$470.00} XXXX I deducted {$25.00} for the stop payment fee. ). This check cleared the bank on XX/XX/XXXX. On XX/XX/XXXX I noticed that the original check # XXXX was cashed by XXXX XXXX even though a stop payment had been issued by Chase Bank and the check was over one year old. 
I feel Chase Bank is responsible for the {$500.00} due to two errors they committed. 
1. They did not honor the stop payment that was issued. 2. They cashed a " stale '' check that was over one year old. 
As a consumer, I did everything in my power to prevent this check from being cashed. I issued and paid for a stop payment and I waited 4 days before issuing a replacement check. Chase Bank has culpability for acting negligently in ignoring the stop payment and in cashing a very old check. 
I have contacted JP Morgan/Chase and they refuse to reimburse the {$500.00} and will not allow me to file a complaint and/or escalate this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 10/19/2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NM).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XXXX/XXXX/XXXX Portfolio Recovery Associates, LLC took out {$160.00} out of my wages. I never received any notification that they were going to do this. I called the XXXX XXXX center with my employer to find out why there was a garnishment on my check and they told me that Portfolio Recovery Associates, LLC took this money because is was accrued interest and fees from an account they had previously collected on. Approximately a year ago Portfolio Recovery Associates, LLC garnished my wages and I fulfilled my obligation but now I get charged for interest and fees and without any prior notice.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: i have tried online and through the mail to recieve my report from experian and can not get it i have tried on many occasions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2017 about Payday loan, title loan, or personal loan (Payday loan) with CNG FINANCIAL CORPORATION (CA).
Issue: Loan payment wasn't credited to your account

Complaint: I took out a Payday installment loan with Check N Go. I have paid them in full but they have harrassed me for more than the original loan called for the last 2 months. 
They have now sold the loan to a debt collector who is now trying to collect on a debt that has been paid in full. 

Please help, XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (ND).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: I am requesting FULL VALIDATION of the debt. I do n't want an account summary.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (TN).
Issue: Managing the loan or lease

Complaint: Hi I no longer have the vehicle and the Carsalesman is under federal investigation. He did all bogus paperwork. He got fired from the dealership for doing all fraudulent deals to get vehicles. I feel this should n't be on my credit it he is incarsurated for the crime. It is really bothering me I ca n't get another vehicle and I have serious health issues. I have contacted the dealership and they said they would sign statements allowing Santander USA to know what happened. I have disputed it on all XXXX credit beraus. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Credit card () with Resurgent Capital Services L.P. (PA).
Issue: Billing disputes

Complaint: I 've been disputing an account for quite some time low about inaccuration information on my credit report. Showing on my credit report from XXXX XXXX Bank was this account closed on XXXX. However, LNVN Funding who which this collection was sold to is providing inaccurate amounts due. XXXX bank is supposed to be closed with an amount of the credit limit due of {$300.00} or less. I 'm being charged an amount of {$580.00} for no apparent reason or even documentation given the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Payday loan () with Mobiloans, LLC (CA).
Issue: Received a loan I didn't apply for

Complaint: I have filed multiple grievances with this organization, attempting to have this loan removed as I did not apply for it. 

At some point during XX/XX/XXXX my computer was compromised and accounts were opened in my name, linked to my checking account and emails compromised. An individual was acting on my behalf to obtain these loans. 

I tried to explain this to someone at Mobiloans, without any assistance. I was told that this was my debt, and that I was responsible for it. Furthermore, I would not have taken out a loan with such a high interest rate that is illegal in the state of California. 

As of XXXX/XXXX/XXXX, this is being reported unfairly and illegally on my credit report as a charged off account.

Company response to consumer: Untimely response
Consumer complaint received 01/25/2017 about Credit reporting () with EQUIFAX, INC. (PR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: hello I was checking my credit report with your company and I found different agency and card that I never fill out or use. and very worry about my credits

Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Consumer Loan (Vehicle loan) with JPMORGAN CHASE & CO. (TX).
Issue: Problems when you are unable to pay

Complaint: I purchased a XX/XX/XXXX Ford Focus, from XXXX XXXX in XXXX XXXX, Texas, this car was financed by CHASE XXXX, I made regular on time payments for over a year to them, set up on auto pay from them. They apparently sold my contract to another company, XXXX XXXX, without bothering to notify me. I received a phone call from a man saying he was from XXXX on Friday, XX/XX/XXXX, saying he wanted money for my car payment, not knowing who he was or what he was referring to I told him no. I tried several times to contact Chase XXXX with negative results, then checking my bank account I found they had not debited my car payment, I continued attempting to contact them for several more days with the same negative results. On Wednesday XX/XX/XXXX, I was at the grocery store when an unknown wrecker towed my car without notice. I called the XXXX XXXX Police and was told they had no record of the car being reposed, however when I explained what was going on the officer told me this was a civil matter not a criminal XXXX. This Police Officer also tried to call Chase XXXX and again no answer. 
I finally was able to get hold of a lady a Chase XXXX ( 2 ) days later on Friday, XX/XX/XXXX, she stated the car had been reposed and that they had sold my contract to XXXX She, however refused to tell me where the car was or the company that towed it. and hung up on me. I tried again on the following Tuesday and she told me a phone number and initials XXXX to contact for the car, however as of this time they have not returned my calls and she refuses to give me anymore information. My wife +has attempted to contact both the repo company identified as " XXXX '', and Chase XXXX with the same negative results. 
My wife also had a vehicle financed through Chase and they sold her contract to this same company, XXXX without any notification to us, however XXXX did send her a letter, 3 weeks after payment was due to let us know they had her contract and if we did n't make a payment they would repossess her car. We did send them the payment and have continued with no other problems on her loan. 
I do n't believe this to be legal or ethical banking.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Credit line increase/decrease

Complaint: Today i called my walmart master card because my card was declined when i tried to make a purchase and i didnt understand why. I had a XXXX dollar credit limit on that card, i always make payments on time or before they are due and i exceed the payment amount every time! Well on the XXXX of febuary this year i tried to pay down my credit card and i have been saving my money every chance i get to pay tward my credit card not only to pay them down but also to use them when i need them because i have a 6 month old daughter at home and i am struggling with XXXX income. So to cut to the XXXX i made a {$940.00} payment to walmart master card my balance at that time on my card was {$1500.00} which should leave me with a balance of {$580.00} left to pay on my credit card. I charge {$300.00} dollars tward it whoch brought it to {$880.00}. So now after i had made that large payment walmart decreased my credit line which put me in debt of {$500.00} without even notifiying me that they decreased my limit and couldnt give me a reason why! I have had this credit card for 3 years i have never made that big of a payment and when i try to pay it down they decrease my limit without any notifications? It makes no sence to me at all! So now my balance is back to {$1100.00} even tho i paid all of that money because since they decreased my limit and put me in debt it made it as if i went over my limit ( this is how they explained it to me atleast ) i spoke with XXXX supervisors and they XXXX said well the letter was mailed 2 days ago, ok so it was mailed but i never receieved it yet the mail isnt that quick i mean come on! I just dont understand how that is right and am wondering if it is even legal to be able to do such a thing! Three years with that credit card and always on time and exceeding the payment amount every month sometimes i even pay 2 times a month but after making almost {$1000.00} payment only then they decide to decrease my limit which resulted in putting me in debt and the over drafting fee which at the time wasnt even concidered over charges because that was my limit! Can they do this. It was like the {$500.00} just dissapeared! Please help me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/21/2017 about Checking or savings account (Checking account) with NAVY FEDERAL CREDIT UNION (NY).
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint: So Navy Federal takes every penny that goes into my account out automatically to pay for a credit card I 'm behind on. If I put {$5.00} in my account, the next day it 's subtracted with a message saying " Tranferred to Credit Card ''. They are saying this practice is legal and they do n't have to give me my money back. I was wondering if this is the case? If so that 's fine and I 'll just open another bank account elsewhere. I just found it strange that a bank can continuously take funds out of your account for a past due card without your authorization. I 've been forced to open an account with XXXX XXXX because Navy Fed was completely cleaning out my account everyday without my permission. This just does n't seem right and they refuse to give me back anything. Please advise, thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I wrote the credit bureau back in XXXX and included identification documents. They never responded. I called the Texas Attorney Generals office and they said to make the complaint here.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I have been seeing inquiries the past few weeks and I have not made any inquiries. Please delete them from my report XXXX XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX Show Details XXXX/XXXX/16 XXXX Show Details XXXX/XXXX/16 XXXX XXXX Show Details XXXX/XXXX/16, XXXX/XXXX/16 XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX XXXX XXXX Show Details XXXX/XXXX/16 XXXX : XXXX XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX : :XXXX Show Details XXXX/XXXX/16 XXXX : :XXXX XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX XXXX Show Details XXXX/XXXX/16, XXXX/XXXX/16 XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX Show Details XXXX/XXXX/16 XXXX XXXX XXXX Show Details XXXX/XXXX/16 I have tried to get Equifax to do this but I do n't get a response and just less than 4 weeks ago I had XXXX inquires. I do n't know how this keeps going on but this is really messing with myy financial livelihood. Please just get the inquiries removed

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Can't contact lender

Complaint: I got an inquiry on my credit report from Cash Central on XX/XX/2017. I never authorized the credit hit on my report. I never even applied for a loan. I am very upset they were able to put an inquiry on my report without any authorization. I tried to call them to dispute the information, but the customer service rep just kept reading a prompt, saying it was a legitimate hit. I want to dispute the information and I want it REMOVED from my credit report. I also want to know how they were able to run a check, without my authorization ...

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (I do not know) with CCB Credit Serivces, Inc (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I received a letter from CCB Credit services trying to collect {$130.00} from a creditor XXXX XXXX XXXX I do n't know the company File # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (NJ).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past du e  XX/XX/XXXX , 60 days  XX/XX/XXXX , 90 days XX/XX/XXXX , 120 days  XX/XX/XXXX  I am not sure how th is happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Commercial Services, Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: National Commercial Services continues to attempt to extort money that is not owed. They have not, and can not provide any evidence that any money is owed, yet continue trying to collect and have even reported a delinquent debt to the credit agencies. Their client was paid all that was owed. They can not supply any agreement or contract that supports a claim for any payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 04/24/2015 about Student loan (Non-federal student loan) with SLM CORPORATION (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Good Afternoon, I previously had XXXX loans with Sallie Mae. XXXX stafford loan for undergraduate study ( approx. {$1000.00} ) and XXXX XXXX degree smart loans ( approx $ XXXX ). Sallie Mae sold off my stafford loan to a company called XXXX. Back in XXXX 2015 I decided to consoldate the loans through XXXX XXXX and payoff the XXXX XXXX loan. After XXXX was paid in full, on XXXX XXXX 2015 my spouse intiated a wire transfer to pay off the XXXX Sallie Mae student loans using Sallie Mae provided information over the phone. Sallie Mae 's account information and address were confirmed and the wire transfer went through. 
A few days later it was discovered that I had a positive credit of {$13000.00} in my stafford loan with XXXX which was previously at a zero balance. I called Sallie Mae with XXXX XXXX on the line and they again confirmed that all information for the wire transfer was accurate, however, through an internal problem between the XXXX companies, XXXX received the funds. 
Sallie Mae is denying all responsibility and XXXX has refused to return the funds. I have been receiving threatening calls and emails from Sallie Mae demanding payment on a loan that was paid 2 months ago, and continue to incur late fees and interest on my account. I am in the process of disputing the loans with XXXX, XXXX, and XXXX. 
Sallie Mae continues to state that they have nothing to do with XXXX, however, my stafford loan has an identical account number to my smart loans and they use the same call center ; when I called Sallie Mae with a Senior XXXX XXXX representative we were transferred to XXXX. 
Any assistance would be much appreciated. I have documentation from XXXX XXXX with payoff information including Sallie Mae as the payee, Sallie Mae address, and trace number.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief