milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-06-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with ONEMAIN FINANCIAL HOLDINGS, LLC. (CA).
Issue: Struggling to pay your loan

Complaint: I have a loan out with One Main Financial, and I have been paying it faithfully, but I am sometimes late due to my paydays and how they fall. This company constantly calls me from the day the bill is due until like a day after the bill is paid and harass me. They do n't just call once a day they call several times a day and it 's always someone different. This harassment is causing my severe stress and I am breaking out with XXXX  due to it. They will not work with me to be more flexible with the due date so that it does not create this hostile environment. I have never been so frustrated with a company as I am with One Main Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Vehicle loan or lease (Loan) with JPMORGAN CHASE & CO. (PA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XX/XX/XXXX I spoke with a representative at Chase in which we discussed a payment plan on a past due payment for an auto loan. The representative asked me several times to make a full payment as I was a couple payments behind. I told him that at that time I was unable to make a full payment however, I was willing to a make a partial payment and an arrangement for the remainder. We agreed on a payment of $XXXX to process on XX/XX/XXXX with another payment of $XXXX on XX/XX/XXXX and a final payment of $XXXX to bring the account current onXX/XX/XXXX. On XX/XX/XXXXmy bank account was debited $XXXX which is not what we agreed. The transaction resulted in an overdraft fee from my bank as I did not have the amount in my account. I spoke to a representative at chase who advised me that they'd have a supervisor call me back. The supervisor advised me that he would refund me the fee as long as I was able to provide proof of the overdraft. The fax was received and I was assured that I'd be refunded. At this time I still have not been refunded and my account continued to incur fees as I did not have the additional $XXXX to put back into the account. I ended up with a total of $XXXX in fees alone. I am livid with Chase Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-01-2015 about Credit card () with U.S. BANCORP (MT).
Issue: Billing disputes

Complaint: I wish to file a complaint about U.S. Bank and how they have failed to process chargeback requests from XXXX of this year, then claimed my credit card account was past due when it was not, and then had the temerity to turn my account over to their collections department, even though it is not past due and - in fact - should have a credit balance. They have this account all screwed up ; yet, despite my numerous attempts to help they fix their errors, they STILL have not fixed the problems they created and they compound their errors by dunning me with inappropriate late fees and interest charges on this closed and fully paid account, and now they are going so far as to harass me by calling me falsely claiming that I owe money on this account, which I do NOT!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07/30/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: While I was on XXXX XXXX, I was told by the XXXX office and Navient that I would be released from my obligation to my student loans, but instead was put in default and ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2017 about Student loan (Private student loan) with TRANSWORLD SYSTEMS INC (SC).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: I got a student loan through XXXX XXXX XXXX XXXX to pay for a 12 week XXXX XXXX course through the XXXX XXXX. I did not receive the 12 weeks of XXXX XXXX education, job assistance, and the certificate that I paid for. I believe the XXXX XXXX is a scam and a fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Money transfer, virtual currency, or money service (International money transfer) with WESTERN UNION COMPANY, THE (PA).
Issue: Money was not available when promised

Complaint: I buy products on line mainly from XXXX, one and only form of payments, vendors accept is through western union. The way it works, i transfer money, western union gives me MTCN number and i provide that number to potential vendors to collect payment and ship out my order. This cause a tremendous frustration, western union put transaction on hold / under review for many many days, without even notifying me. They charge full transactio fee, i provided all kind of ID ( copy of my drivers license, passport ) everytime, still under review. Calling customer support, they put on ever lasting holds. All i want to let transaction go in timely manner provided i paid all the fees and provided all kind of documentation, they asked. This cause financial set back to me. Can you please help me regarding this matter. My email is " XXXXXXXXXXXX " contact number XXXX. Thanks. Looking forward to resolve this matter. I understand, western union has to follow certain guidelines, but i provided all requested information and each time over and over again, they asked the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MI).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Received a 'Notice of statement credit ' dated XX/XX/2017. In the letter it indicated I would receive a {$330.00} statement credit which would be applied to my account and would appear on my statement within two billing periods. 
My credit was never received so I phoned the credit card company and it was then explained to me that I would receive my credit by each {$50.00} purchase with a 1 % cash back. 
I do believe this is wrong and it stated a credit to my account. I would very much like this explained to me thoroughly.

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 02-01-2017 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: ON XXXX XXXX2017 I SENT iMORTGAGE ( LOANDEPOT ) ( XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX ) XXXX 'S PAYMENT WITH ADDITIONAL MONIES INCLUDED IN THE PAYMENT CHECK, IN THE AMOUNT OF {$12000.00}, TO BE APPLIED TO PRINCIPAL ONLY. THIS OPTION WAS OFFERED TO ME ON THE PAYMENT COUPON, WHICH I FILLED IN. THIS WOULD HAVE BROUGHT MY LOAN PRINCIPAL TO XXXX ( {$0.00} ) THE CHECK CLEARED MY BANK ON XXXX XXXX, 2017. 
ON XXXX XXXX, I RECEIVE A PAYMENT STATEMENT FOR XXXX, WITH A PRINCIPAL BALANCE OF {$12000.00}. THE {$12000.00} I SENT THEM HAS BEEN DESIGNATED AS PARTIAL/UNAPPLIED PAYMENT. AND THEY CONTINUE TO CHARGE ME INTEREST EVEN THOUGH THEY HAVE THE FUNDS TO BRING MY BALANCE TO XXXX. 
I CALLED XXXX XXXX XXXX XXXX AND SPOKE TO XXXX XXXX, DURING THE CONVERSATION I WAS INFORMED THAT THE COMPANY COULD NOT ACCEPT PERSONAL FUNDS FOR PAYOFF ; IT HAD TO BE CERTIFIED CHECK OR BANK WIRE, OR THOSE TYPES OF PAYMENT. HE ALSO SAID I HAVE NOT REQUESTED A PAYOFF, WHICH IS DIFFERENT THAN THE BALANCE DUE ( {$12000.00} BY XXXX/XXXX/17 ). FAIR ENOUGH. 
I TOLD XXXX THAT WITH THE {$12000.00} ADDITIONAL PRINCIPAL BRINGING MY BALANCE TO XXXX, I EXPECTED THE COMPANY WOULD CONTACT ME WITH INSTRUCTIONS ON HOW TO CLOSE THE ACCOUNT, BUT THE ONLY COMMUNICATION I RECEIVED WAS ANOTHER PAYMENT COUPON FOR XXXX. 
HE ASSURED ME THAT THEY WOULD REFUND MY {$12000.00} { HOPEFULLY BY XXXX/XXXX/17 } AND HE IS SENDING INSTRUCTIONS ON HOW TO PAYOFF MY LOAN, INCULDING A PAYOFF AMOUNT GOOD UNTIL XXXX/XXXX/17. 
SO MY QUESTIONS ARE THESE ( A ) HOW CAN THEY CASH MY CHECK AND REFUSE TO TAKE MY ADDITIONAL PRINCIPAL PAYMENT AND ( B ) SINCE THEY HAVE MY FUNDS TO BRING MY BALANCE TO XXXX CAN THEY JUST SAY NO, AND CONTINUE TO CHARGE ME INTEREST?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Payday loan () with Advance America, Cash Advance Centers, Inc. (TN).
Issue: Can't contact lender

Complaint: This company sent me an email stating they have tried to contact me by phone and by mail. I have received no calls nor have I received any mail other than the email I received today XXXX/XXXX/2016. 
I just want to know if this company is legitimate.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Mortgage (Conventional home mortgage) with MIDFIRST BANK (NJ).
Issue: Trouble during payment process

Complaint: I recently filed a complaint about XXXX XXXX XXXX a Division of MidFirst Bank on XX/XX/2017 through the Office of the Comptroller of the Currency. My issue was that they would not release funds for me to rebuild my home after a category three sewage problem damaged my home on X/XX/2017. Finally in XX/XX/XXXX after I submitted my complaint they began to release the first payment. The problem with that, was they sent the check in the name of the Contractors buisness and I was not able to prevent any fraudulent action or actions from taking place. I did not know if the Contractor would take my money and run!!! When I addressed my concerns to XXXX XXXX XXXX, they said that only the first check would be in the Contractors name the rest would come directly to me so that I would be able to dispense the money as needed. After the work began and I needed more money for materials, XXXX XXXX XXXX said that they needed an inspection of the property. The inspector came and did his job and submitted his findings, which were satisfactory to XXXX XXXX XXXX. As it stands I expressed my concerns about allowing someone to control my funds to rebuild my property!!!! The Mortgage Company insist this is how it will be done until the Contractor states that he is finished with the property. I feel as though the Mortgage Company is committing an Nefarious Act against me, this is my home and it is in my name and I still pay a mortgage on this property. I have no say in anything as far as the Mortgage Company is concerned ... .it is not fair and truly unjust. In today 's society we have to constantly stay aware of those we believe we can trust. It took my life to own my home and I am not willing to allow someone to take it all away from me because of an Nefarious Act that is being committed against me. Respectfully Submitted I would truly appreciate your help concerning 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 03-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: these addresses is not my address please removed from my credit report XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 10/17/2015 about Consumer Loan (Installment loan) with American First Finance, Inc. (CA).
Issue: Managing the loan or lease

Complaint: i went and bought bedroom furniture and after they delivered it and left the loan papers I found out that I was paying more in interest then what I paid for the merchandise. after then furniture is paid off I will still owe them in interest. found out I was paying 120 % in interest when California law is only 10 %. I am not renting the furniture at all as I am buying it on a loan. am inclosing the full contract

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-10-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have attached my tax return. I only made {$250.00} in the state of maryland, Thus I do n't owe what they said I owe. 
Maryland has closed this stating they are satisfied, but now it is on my credit for the next 7 years. Its not right, It should not be on there at all. It needs to be off. I attached XXXX document reporting this. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Debt collection (Medical debt) with Professional Placement Services, LLC (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a letter from them and responded within 30 days asking for debt validation. When they did not respond I previously complained to you and they responded saying they validated the debt with me, they did not! They made up a phony bill and printed it and sent it to me. My letter was clear on what was needed to validate this debt. My letter also told them that until they validate this debt any negative information on my credit report would constitute fraud. They received my letter on XXXX, on XXXX they reported a new collection account on my credit report. A CLEAR VIOLATION. They also have not validated this debt with me. My letter asked them to provide me with : 1. The original signed agreement showing I agreed to be responsible for this debt. 2. A completed accounting history of this debt. 3. copy of their Illinois license showing they can legally collect a debt in Illinois ( which when I call Illinois Department of Regulations I was told they do not have a license to collect debt in Illinois ). 4. The full contact information of their registered agent. All I received was their phony bill.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 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: Their investigation did not fix an error on your report

Complaint: when i applied for a truck loan in XX/XX/2016, when they ran my credit, none of my creditors showed up on my report except for 1 account that had already been closed. i ordered my free credit report and upon receiving it in the mail, it has none of my creditors on it. i called them to file a complaint and they said to call the companies to see if they were reporting to the agency. i did that and was told they are reporting as always. yet still after a year of trying to get to the bottom of this it, my credit report is still BLANK. No  one is able to help me, I've called numerous people for help and am getting no where. HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HSBC NORTH AMERICA HOLDINGS INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: This account is not being reported on my XXXX & XXXX credit reports and it 's affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Debt collection (I do not know) with APPLE RECOVERY, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was given this phone number by the phone compant last XX/XX/XXXX. I have been plagued by debt collectors calling,, asking for every XXXX male name in the book. It is unknown if they are all the same collectors, but they ask for a different name each time if I answer the phone. The month of XXXX XXXX, I was gone to XXXX for one month. I run a business on my phone so phone messages are important. Every business day for about 3 weeks the same debt collector at the same number had a machine, call my number, while I was gone and left an unclear message, missing all but the last half of a sentance, but no identification,, etc. I searched that number using caller id on the internet and found that they were debt collectors, then. But, being out of the country I could n't them, and why should I? But, I was worried, just in case I had a problem with a debt that i didn ; t know about. Those people filled my voice mail with their calls. I have XXXX digital phone so I have the computer record. Howverr it was not working well while I was gone, which further made this difficult and worrisome. I did not know what I might have missed, How is it that a debt collector, even if the debt were mine, can do this, with their autodialer machine, harrass me, and never identify themselves or explain the reason for the call??? I returned from my trip last night XXXX XXXX, XXXX. First thing this morning i called that number. The man I talked to is in Arizona. He sounded XXXX. and he is a debt collection agency but would not admit it at first because I refused to give him my name. When I told him that I knew who they are, in fact that he is Apple recovery, he admitted it but simply said I 'm am sorry. This mess caused me time, and grief. if I could I would sue them. In any case, they should be fined for unethical behavior. He admitted, finally, when I gave my first name, that they were not looking for me. or anyone I know, but someone gave them this number. This has got to stop! By the way, I have perfect credit. if someone messes with my good credit I will fight tooth and nail to defend it. I had to do a short sale 3 years ago and I am very protective of my credit.So,, this is very distressing to have this while I am in XXXX and can do nothing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Debt collection (Credit card) with CITIBANK, N.A. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Nightmare happened after I made a payment of {$1300.00} on XX/XX/2016 for the full balance on my Citi XXXX Platinum Select Business account. Previous statement due dates were all on XX/XX/XXXX. Both XX/XX/XXXX and XX/XX/XXXX payments were made on time before the XXXX due date. 
In XX/XX/XXXX I started getting calls from this number XXXX to my cell phone and when I picked up I got a voice message telling me to log on to Citi.com regarding my account. I did n't do it because I had not created online access for the account but the call frequency was just too excessive so I eventually created the online access. I got at least a call on these dates : XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XXXX XXXX, and XXXX XXXX. The call frequency was definitely excessive. 
After logging on, I found there was a charge of {$82.00} on the account. That does not make any sense since I paid XXXX already and I did n't use the card since then. So I called the number on the back of the card ( XXXX XXXX XXXX XXXX ) and got to talk to an agent after at least 2-3 attempts, each with a hold time of longer than 20 minutes. 
I asked the agent why there was a charge and I did n't get any statements. She reviewed the account and told me that because no activities on the account so no statements went out. I explained if no statements how can I make a payment, and more importantly, Citi changed the due date randomly - it was always on XX/XX/XXXX but they arbitrarily changed the Apr cycle to an earlier date so my payment on XX/XX/XXXX would be ONE day late. The agent promised to reverse everything since no statements went out and the due date was different so I should not be responsible. 
Things appeared good until I saw the same annoying number ( XXXX XXXX XXXX XXXX ) showed up on my cell phone so I logged on the account only to discover that nothing was done to the account and it was already in another billing cycle and the charge went up to {$98.00}. 
So I called the number XXXX XXXX XXXX XXXX again and was finally able to talk to an agent after at least 4 attempts each with a hold time of longer than 25 minutes. This level of service ( or lack of ) is definitely unacceptable for a platinum business card, or any other credit cards. 
After explaining everything again to a few agents and then finally to the escalation unit, I was told I still need to pay {$12.00}. I spent over an hour on this call already. The agent was apologetic but said she can not reverse everything. I told her it was a bank error. She said she can not do anything. I told her OK I spent hours on this already and the minimum wage that I can make exceed the amount they are asking despite it was error on their side but I do n't want to waste any of my time.

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 03/30/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with The Receivable Management Services Corporation (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have a debt from XXXX XXXX XXXX on my Credit Report that is showing up on all XXXX major Bureaus. The collection agency is Receivable Management. XXXX XXXX XXXX, XXXX PA XXXX. Their phone number is XXXX. The account # it 's listed under is # XXXX. The total is listed at {$330.00} dollars. I have called XXXX several times now, and they have informed me this debt is nowhere in their system, that it is non existent. I called the credit agency and informed them I would be filing a compliant with you guys, they said go ahead and do so. I 'm trying to buy a house and this bogus collection is costing me thousands of dollars. I 'm requesting it be removed from all XXXX major credit bureaus. 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 non-monetary relief
Consumer complaint received 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Equifax still has something from XXXX XXXX XXXX that has been closed since 2008. It is over XXXX XXXX XXXX and is negatively affect ing my credit score.

Company response to consumer: Closed with non-monetary relief