milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-12-2015 about Debt collection (Credit card) with Professional Recovery Management (AZ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: This is a XXXX XXXX XXXX XXXX Credit Card Account that is is my name but I did not open it. It says the account was opened back on XX/XX/XXXX. I did not open the account and it was a result of identity theft. I called XXXX XXXX when the account was still open back on XX/XX/XXXX and told them that I did not open the account. They said that they would look into it and get back with me. I called them once again on XX/XX/XXXX and asked them why the account was still open, they said that they have came to a " resolution '' and will close the account. They never did. The account is now in collections and they keep calling me and asking me to pay the account off when I never even opened the account. I explain to them that it was a result of identity theft and they still want me to pay for it. I have contacted XXXX because that is who it is reported through and they have not responded to me for over a year now. I keep calling them and they say that its still in the mail. Which I do n't understand how it can still be in the mail after a year.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2017 about Credit reporting () with JPMORGAN CHASE & CO. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Had a second mortgage by me and my x wife in the divorce she got the house and agreed to pay the second mortgage she fell behind and I did not no until I checked my credit report I contacted the mortgage co. To see if I could get a bill or making adress so I can pay if she falls behind more they refused to give me any information I told them I have a different mailing adress and they still refuse to send any info but they are hitting my credit every time she falls behind I even offered to take over the account but they still refused

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I requested detailed accounting of payments & charges along with an explanation of any charges & how those fees were calculated, copy of original contract with original creditor & documentation on sale of the repossessed car & amount applied to account & copy of repossession papers in connection with a XXXX XXXX account showing up on my credit report.I filed a dispute with TransUnion on XXXX/XXXX/2015, they stated they received a letter that states simply that the account was accurate & then made changes to XXXX dates, there no was verification to prove the account is accurate & valid included with the statement. They did n't even receive verification showing the account is even my account ( no original signed contract with original creditor ). According to FCRA section 611 ( c ) if they did not receive the detailed verification that was requested, showing the account is valid & accurate, they are required to remove it. They did not. They chose only to update the account even though they had not received any verification showing its validity or accuracy. They refused to provide me with a copy of the letter they received from XXXX XXXX. I received no written results of investigation, which I should have received within XXXX days of being notified the investigation had been completed ( on XXXX/XXXX/2015 ), thereby violating FCRA section 611 ( a ) ( 6 ). I spoke with XXXX different representatives ( the XXXX one hung up on me ) & a supervisor, none of them seemed to care that they were violating my rights as a consumer per the FCRA. They offered to dispute again using the same electronic method of dispute, but said if XXXX XXXX did n't respond with the requested verification they still could n't remove the account which is not accurate. FCRA section 611 ( a ) ( 5 ) states that if they are unable to verify the account they are required to remove it. I am filing a complaint about the way my investigation was handled and how they chose to ignore the fact that XXXX XXXX was not able to provide any proof or verifying documents to show the account was valid, accurate or even belonged to me. When I disputed with TransUnion, I also sent a letter to XXXX XXXX disputing the account & requesting verification of all the documents I listed above. As yet they have not responded to my request for verification either. In four days they will be at the 30 day response time as required by law. I do n't expect a response from them because I doubt if they are able to verify any of the information that I requested. I will enclose a copy of the letter sent to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I have purchased a vehicle in  XXXX  o  f 2015 for the amount of {$24000.00}. After i got a loan assigned, the amount went up to almost {$28000.00}. since then i have tried to make a several attempts to resolve this problem with a loan company " Santander Consumer USA '' and i either get transferred to another line or they are hanging up on me. I can not meet someone in person to talk because it is only over the phone process. also i have asked to lower the amount of monthly payments and was denied. so far S.C.U. is not lowering the amount i owe. I have paid around {$15000.00} to them and they have just lowered it to approximately {$1000.00}. there is absolutely no communication with them. i have filed a claim against S.C.U the to BBB.org and the have sent me a new contract with an amount of {$27000.00} for 72 months. which basically is a loan from the beginning.
In the beginning of the year i had no jobs for couple of months, and i have asked the for a couple month lower payment and was also denied.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (MI).
Issue: Charged fees or interest you didn't expect

Complaint: Good afternoon, I applied for a loan from big picture loans as I was in need to pay bills and a student loan. I was approved for {$400.00} and the {$400.00} was deposited into my account on  XX/XX/2016   .     I believed I had fully understood/accepted the terms until I was able to see The Truth in Lending disclosure, which was not visible/available until after I accepted this loan. It showed an APR of 887.4203 % and that the total repayment amount for my { {$400.00} } loan would be { {$1800.00} } I had not been informed of the 887 % interest rate on the loan, and I was told there would be a { {$140.00} } finance charge, not { {$1800.00} } in total payments, and I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account.     There was a finance charge of {$140.00}, the {$140.00} ( amount slightly decreases until end date ) would be taken out each payday until the loan was satisfied at a 887.4203 % interest rate, or the loan could be paid in full at once for a total of {$540.00} ( {$400.00} loan amount + {$140.00} finance charge ) I have since paid more than what I rightfully owe, now totalling in the amount of {$1000.00} funds were take out on these days :  XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX   XXXX  -  XXXX  =  XXXX  I am looking to have my obligation fulfilled since I have paid the initial loan amount back ( {$400.00} ) and the finance charge ( {$140.00} ) = {$540.00} I am financially no longer able to sustain paying this loan as it is too much.     If possible I would like a refund of overpaym ent ( {$480.00} ) but  would gladly take just a clean break/account considered paid at this point if a refund can not be granted.      Big Picture Lo ans will not work with me on either request, all they have done is postponed withdrawals of the finance amount from a account, which they will now no longer do as well.     If you can assist with having my account closed w ith Big Picture L oans I will greatly appreciate it.     Thank you for your time.       Big Picture Loans ( or known as Red Rock Tribal Lending,  LLC d/b/a CastlePayday.com ) co ntact info is :  XXXX .  XXXX   XXXX ,  XXXX , MI  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2015 about Consumer Loan (Vehicle loan) with BBVA COMPASS FINANCIAL CORPORATION (AZ).
Issue: Managing the loan or lease

Complaint: I was involved in an auto accident and my car was paid off to Compass Bank. They misplaced a warranty check for three months, when they finally admitted there mistake they have refused to send an update to the credit bureau, which is ruining my credit. 
This bank has bully tactics and while they had misplaced check I continuosly received collection calls and the run around from this company. I hired an attorney and they have sent communication that they would remove this line item from my credit XXXX XXXX, the last regional manager informed my attorney on XXXX XXXX that it would be removed by 45 days .It is the XXXX day and it is still not removed. I have filed a complaint with the BBB, the attorney general, the banking commission, hired an attorney, now filed this with you. Hopefully this helps

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I requested my equifax free anual credit report. Received a " request for proof of identity '' which I replied back ( I believed a normal procedure cause it 's a new account ) including my SSN and a bill for address proof. 
Received 15 days later two credit reports ( with a submitted date difference of one day between them ), the first 14 pages, the second 18 pages. 
the second one ( dated one day later ) explicitly said on the first page : " We are please to let you know that the results of the dispute you recently filed with Equifax '', which I never did, it 's my first credit report.
The following personal information was inaccurate on both reports : last name, DOB. 

Opened a dispute online, got a confirmation number valid to check till XX/XX/2017, and ca n't check status on the webpage ( https : //www.ai.equifax.com/XXXX ) not responding and over the phone with an " unable to check the status '' msg. I tried every day since I 've got the email confirmation about the dispute resolution ( XX/XX/2017 )  with the same results. 
Got denied at least 4 times from different financial institutions that get the reports from Equifax probably cause of this inaccurate information. This is impacting in my credit and financial ability and I have no response from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (I do not know) with Citi Management Group, LLC (MD).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Both my family and I had been receiving threatening phone calls and voicemail to provide my information so that they may contact me about a debt i supposedly owed. After calling them back the man proceeded to tell me i was being sued by XXXX XXXX for a debt i owed them and the only way to differ that was by making a payment. At the time i agreed and made a payment of {$110.00} and set up an arrangement for monthly payments. This month ( XXXX ) the day before they were due to withdraw the money my XXXX year old son got ill and had XXXX. I had to take him to the doctor and as a result had a list of medication i needed to purchase for him. I call the company right after his doctors appointment and they said the payment had already been submitted and there was nothing they could do. Today the payment was declined and a woman called me back in a rage. Asking if I was on probation because they would be suing me and pressing charges and the police were going to show up at my job and arrest me, unless somehow i cam up with {$60.00}. At that moment it made me think. I did some research and I found quite a few people had been through the same thing and that it was a scam. I proceeded to call XXXX XXXX ( the company they said i owed money to ) and was told that they do not use a collection agency by that name nor do i have an active account with them. I immediately called my bank and had them cancel my card and block them from making any other withdraws from my account. The woman from the " collection agency '' called me again to see if I was going to make the {$60.00} payment and i told her i knew it was fraud to never call me again because im filing a claim with the FBI. She again go infuriated and started using fowl language so i hung up and have n't heard back from her since. The telephone numbers they have contacted me from or have had me use to contact them are XXXX and ( XXXX ) XXXX. I was told the company name is Citi Management.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Credit bureaus has refused to correct /remove fraudulent and erroneous data from my report after several attempts and several months of disputes via certified mail, online and phone. 
They have also failed to provide me with sufficient evidence for these inaccuracies within the 30 day timeframe allotted by law. The most recent dispute was made XX/XX/XXXX. 

Erroneous data : all names other than " XXXX XXXX '' ( many incorrect spellings and middle initials reporting '' all addresses other than " XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX '' XXXX XXXX " late payment XX/XX/XXXX XXXX XXXX XXXX ' late payment XX/XX/XXXX'' XXXX XXXX XXXX XXXX " late payments 4 years ago on closed account '' XXXX XXXX XXXXXXXX " open account of $ XXXX " ( account closed as report states } Fradulent data : all Inquiries XXXX " open account $ XXXX " Transunion, XXXX and XXXX  have experienced security breaches. Therefore, it is in their best interest to correct this matter as it is adversely affecting me. My next and final step in this matter will be litigation. 

Thank you, 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 explanation
Consumer complaint received 04-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Navient has repeatedly defaulted my income base repayments to full 10 year payoff payments without interacting with me causing sudden dramatic rises in my monthly payments. I have asked them to return me to income based repayment and submitted proper documentation only to be told over the phone that my submission was too near the payment date to go through and that I would have to take a monthly forbearance. I have been told that there is no way I can achieve a lower interest rate unless I consolidate with another servicer. To service the interest on my loans without paying down the principle it is approximately {$1600.00} a month. Every month I 've had to take a forbearance on has increased my principle by over {$1600.00}. When I have inquired to which option makes the most sense for my economic situation I receive a list of the options and the benefits of each, but no answer as to which program would be in my best interest. As a result of this debt burden from the interest alone I am finding myself in a position that makes it impossible for me to accumulate necessary capital to start a XXXX to try and pay down my debt, and I can not service the full amount to pay down the debt in conjunction with mortgage payments and savings for retirement into my XXXX or IRA. 

When I received my loans I was told that I would be a XXXX and that I would be able to achieve a salary capable of paying down my principle and lead a great quality of life. The interest rates were downplayed and refinancing was stated to be an option. What nobody told me was that refinancing to a lower interest rate would remove my federal government protections such as forbearance. Now I am in a position where I need to either finance my {$300000.00} of student loans between XXXX and XXXX at an average interest rate of 7.2 % or change to a private loan servicing agency and lose all of my federal protection, potentially destroying my credit and any ability to eliminate my debt. 

I attended XXXX. I was told during orientation on the first day that my education would provide me an income which would service my loans. I can not afford to pay down the principle of my loans as a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (Credit card) with Western Portfolio Assets (PA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was contacted on XXXX/XXXX/XXXX by a woman who identified herself in a voicemail, stating I would be served papers on XXXX/XXXX/XXXX at my home address, between the hours of XXXX-XXXX. On XXXX/XXXX/XXXX, I received a phone call at work, at approximately XXXX, from someone who identified themself as someone from the local county office of where I live. I was told that I failed to receive my papers for a lawsuit, and to arrange being served, she transferred me to a gentleman named XXXX XXXX with XXXX XXXX XXXX. XXXX XXXX stated he worked for the Litigation office, and that he would help me with having the process server rerouted and not to appear at my place of work. 

I inquired on the matter of what I was being " served '' for, and XXXX XXXX explained that it was and old Debt, from XXXX XXXX XXXX, which was defaulted in XX/XX/XXXX. By law, XXXX XXXX has 4 years to pursue a lawsuit against me to recoup their debt. I was instructed to make arrangements for the settlement outside of court, or I would be served papers for the lawsuit at work. Also, XXXX XXXX tole me that failing to be served is the same as failing to appear at court and my wages would be garnished, as well as a lean would be put on my house. 

Being suspicious, I called and explained the situation to the Attorney Generals Office. The person who I spoke with in the Consumer Protection Division, agreed that she thought this sounded like a scam. 

I called XXXX XXXX back, at XXXX XXXX XXXX ( XXXX ) and stated I thought this was a scam. He became very upset and, among other things, proceeded to tell me that he would contact my employer and garnish my wages. I instructed him to not contact me at my place of employment, and requested that I be notified in writing of the debt to be validated. I also asked for the address and number of his company, but he told me that I did not need that information and that it had nothing to do with my lawsuit. 

After XXXX XXXX hung up on me, he contacted my company 's accounting department and stated that my wages were to be garnished and he would fax over the paperwork. As of yet, we have not received the paperwork.

Company response to consumer: Closed
Consumer complaint received 07-09-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have sent XXXX letters to Experian Credit Reporting Agency now in regards to old debts on my account from 2004. The FTC says these debts should drop off your credit report after XXXX years. I notified Experian that these are still on my credit report, yet after XXXX months have not had one response in regards to them and they still show on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (Payday loan debt) with CASHCALL, INC. (MN).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I am getting continued calls at my place of employment from CashCall. I have asked them repeatedly to stop calling, XXXX XXXX and XXXX XXXX are two of the dates I can recall. When I asked them to stop this XXXX person said she would once my debt was repaid.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: I tried 2 days ago to order a replacement card as mine has worn out. I go online to do so and the system says I need to call in as it 's " ineligible '' for replacement. I call 3 times today to try and fix. The first time I get hung up on. The second time I just get placed on hold and then end up hanging up. The third time I 'm not allowed to speak wit h a manager and I 'm to ld there is high call volume. I sit and wait until I end up hanging up. I 'm online now chatting and they state they can not assist me and have to have me call  AGAIN. I  advised I would not call in again and must have this rectified.

Company response to consumer: Closed with explanation