milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/22/2017 about Debt collection (Payday loan debt) with United Debt Holdings, LLC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: I was informed around XXXX/2017 by my mother in law that a debt collector was repeatedly calling her asking where I was. She was never given a company name or an agent name, but was given my social security number and birth date without asking for the information. My spouse then contacted the company and again they did not divulge who they were but did say to her that the original company was XXXX XXXX XXXX XXXX and it was an online payday loan, they freely gave my sensitive information out to her as well as other people by the same name as me. She was given their social security numbers and birthdays without asking for them. I then contacted the company to try to find out what the situation was and was told I was going to be prosecuted for a worthless check for a payday loan I had gotten in XXXX of last year. I was never informed of my rights or briefed on whether or not the call was being monitored or recorded, all they seemed to be concerned about was getting my credit card information. As of 5 minutes ago they are still contacting my mother in law and wife threatening prosecution and possible jail time if I do n't make a payment today. I have not received any written correspondence regarding this matter from them or my counties prosecuting attorney. I do not know my rights in this matter but I feel as if my name is being dragged through the mud unfairly by this " company '' to anyone that will answer the phone for them by freely discussing that I have a " worthless check '' and giving out my personal information and I know for a fact they are freely giving peoples personal information out without being prompted, men who have the misfortune of having a similar name as me. I fully understand paying what I owe and for what I 've borrowed but I do n't feel as if this " company '' is treating my information as sensitive as they should as well as other peoples. They call from numbers that come up as " private ''. I feel as myself and my family are being harassed and I 'd like to know my rights regarding this matter please. 
Thank you

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2017 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Credit history request- never authorized, company not recognized

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 06-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Problem with fraud alerts or security freezes

Complaint: I had an issue with fraudulent applications being submitted and subsequently the banking institutions ( some not all ) notified me regarding fraudulent account openings/attempts. This was in XX/XX/XXXX I notified the agencies to place a fraud notice on my file. This happened again in  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 10/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MI).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XXXX XXXX XXXX XXXX was hired by me to dispute a charge off with XXXX XXXX on my experian report. It is not almost 60 days later and no response to the letter requesting that debt be removed. It is not mine it is my ex husbands debt XXXX and XXXX have removed it easily. 
XXXX XXXX stayed both experian and XXXX XXXX were contacted and still not response. I have found XXXX XXXX to have handled the entire situation fraudently as the way it is reported is incorrect as well, they have not validated the debt despite repeated attempts. 
Anyhow the debt is required to be removed by experian according to FCRA due to XXXX  ignoring the investigation and it still has not been done. 
My right to buy a home is altered by this company lack of efficiency with handling the matter as the continued disregard to remove keeps going on. XXXX did not respond so remove it!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi 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 01/31/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint: I purchased a sofa from XXXX on XX/XX/17. They charged my credit card for a deposit and also made a pending charge for the balance which is not due until the sofa is delivered. They create pending charges for the balance every 10 days so that there are multiple pending charges against my credit line. CitiBank keeps pending charges on file for 30 days. XXXX  is under the assumption that the pending charge falls off after a few days. I have asked for XXXX and CitiBank to delete the multiple charges and they refuse. While I do have sufficient credit available to me for my purposes, others may not. I can see that some cardholders may be inconvenienced or hurt by this practice. They give priority to the merchant who continually places multiple pending charges on the card rather than the consumer whose available credit has been reduced.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have informed Trans Union of my case of Identity Fraud. It is your companies responsible to publish accurate information. I understand that i have to contract each company I have done so. Now I am Demanding Trans Union to follow the FCRA and publish accurate information.If I am informing your company of the issue of Identity Fraud it is your responsible to investigate the Furnished information. Inquires remain on your credit if I authorize the company or employer to view my credit with my consent in this case I DID NOT AUTHORIZE THE COMPANIES LISTED.I will be seeking advise from my ATTORNEY GENERAL. On this matter if its not resolved XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016 XXXX XX/XX/2016

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 02-11-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: XXXX ... This number calls me 3 times on my cell and 3 times at my home. Capital One is the most annoying and most harassing company I've ever come across. Open account on XX/XX/2017. I've had XXXX XXXX on both. Water pipes bursting, car problems. Just behind on alot of bills. Explained my situation and they still call everyday. I know I owe them. I do not need a reminder everyday 6 times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Approximately in XX/XX/XXXX I was notified I was sent to collections on a disputed XXXX debt in the amount of {$1000.00}. At the time I was XXXX years old and very nave and uninformed when it came to credit reporting. I was not advised that I could have disputed this debt since I disagreed with it. Instead, I felt scared and fearful enough to protect my credit and therefore I borrowed monies to pay the debt in full to XXXX XXXX XXXX. Naively, I did not realize they would continue to report a negative entry on my credit record, and I did not understand that would still hurt my credit score despite me paying the account in full. I dispute this with Experian on XX/XX/XXXX and it took them less than 24 hours to conduct an investigation and notify me that this account will remain on my report. I feel taken advantage of because I was so uninformed at the time and now feel like they just took my {$1000.00} and I'm still being injured by them. They claim that they have to report accurately but leave out the true facts of the circumstances in the reporting.

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 08/15/2016 about Mortgage (Conventional fixed mortgage) with FREEDOM MORTGAGE COMPANY (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX sold our Mortgage to Freedom Mortgage, and did not notify us. All payments submitted to XXXX XXXX have not been transferred to Freedom Mortgage, nor have they been returned to us. This is the XXXX time the mortgage has passed different hands within the last 12 months. The XXXX XXXX mortgage companies did not have my telephone number, nor did they have the correct address. 

Mortgage Payments were sent to XXXX, for the months of : XX/XX/XXXX ( Forwarded to Freedom ) XX/XX/XXXX ( Forwarded to Freedom ) XX/XX/XXXX ( Not forwarded, and not returned to borrow, and not rejected ) XX/XX/XXXX ( Rejected by XXXX ) XXXX, the XXXX lender, had sent us notification that our mortgage would be changing hands to XXXX, to the correct mailing address. However, later no correspondence was received from XXXX XXXX or Freedom Mortgage. 

We found out of this change, after our payment was rejected by XXXX XXXX, and I viewed my credit report to find Freedom Mortgage. XXXX XXXX is now claiming they do not have our payment for XX/XX/XXXX, however, we have bank transaction records stating the XX/XX/XXXX payment was accepted by XXXX XXXX, and never returned back to us.

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 05-12-2016 about Credit card () with JPMORGAN CHASE & CO. (UT).
Issue: Other

Complaint: I have contacted Them at least 4 times to ask for documents to explain why they did not comply with Federal Law 15-USC 1681 623a7 and UTAH LAW UTAH XXXX. XXXX XXXX SEE ATTACHED.. All I did was ask them to proof, they have ignored all my request. in addition they have been notified that the other credit reporting agencies have corrected this error, yet they have a calloused disregard for following the law. I have attached a letter from XXXX telling me that info.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (RI).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I would like to settle my debt with the help of a family member. However the amount of my debt is incorrect. Payments from wage garnishment are not credited anywhere, as far as I can tell. We have paid nearly {$10000.00}, but there has been no credit towards my debt. If my wages are going into a bottomless pit, instead of towards repaying my loans, that is akin to loan sharking. It should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2016 about Debt collection (Credit card) with Stephen Einstein & Associates, P.C. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX end up on judgment entered on XXXX XXXX ( for {$1800.00} ). ( Filing date XXXX - disposition date XXXX XXXX, court- index number XXXX ) .I was XXXXe U.S. for 9 years ( XXXX issue ) Now i live in XXXX since XXXX ( XXXX ). I notice The Law Firm of Stephen Einstein & Associates put hold on my savings account for that judgment -hold for XXXX for XXXX judgment. On XXXX XXXX I was discharged in bankruptcy XXXX -Final decree XXXX/XXXX/XXXX ( this judgment was not in my credit report XX/XX/XXXX,XX/XX/XXXX-I have copy-and I do n't know about to add when I file for bankruptcy ) Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I initiated an investigation with Experian in which they completed on XXXX XXXX, 2015, Report # XXXX. At this time I requested documentation as to how the following items : 1. XXXX Now-Account # XXXX ... was verified as accurate. 
2. XXXX XXXX XXXX-Account # XXXX ... was verified as accurate. 
These accounts are not at all accurate and I have requested several times proof as to how they were verified in accordance 15 USC ... and to date have yet to receive this information. 
when it has several

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NC).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Around XX/XX/XXXX my husband had to take a pay cut, we applied for assistance it was granted XXXX XXXX  but not made aware of the interest that would build up during the hardship. XX/XX/XXXX I being a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was injured and have not been able to work since XX/XX/XXXX due to XXXX XXXX and now facing XXXX. XXXX XXXX was made aware. The amount showing we owe is unbelievable, we let them know about our extreme hardship only to be misinformed and ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Credit card or prepaid card Issue : Problem with a purchase shown on your statement 1. Why was I not included in the class action lawsuit against Citi Bank XXXX by CFPB. 2. According to Ms recent letter I was late on payment payment was due XX/XX/XXXX for {$110.00} that is why my account was closed inXX/XX/XXXX. I was still using card at the date it was not closed. My Cash rewards were forfeited per Costco validation late XXXX XXXX. 3. Very bad reporting XXXX report showsXX/XX/XXXX account charged off.written off XXXX XXXX past due as of XXXX XXXX. XXXX report XX/XX/XXXX shows XXXX written off XXXX past due. That past due is what going up at XXXX a month please stop this account asap. 4. Please contact the malpractice firm XXXX XXXX XXXX  my rights as a consumer are being abused I insist an order be filed asap to sieze and desist.account ending in XXXX with citi bank. 5. I have a legal excuse from appeals court from XXXX XXXX to XXXX XXXX as to why my unemployment checks where being withheld at the max rate per week case # XXXX case # XXXX and case # XXXX Calif Unemployment Insurance Appeals Board XXXX County Office of Appeals that a total of 120 days the max amount of time to write off any account. What is this set me up for failure these three cases was over turned in my favor my check where being withheld unjust and back pay ordered after serving the penalty of 16 weeks no income I was legally bound.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/15/2015 about Consumer Loan (Installment loan) with DISCOVER BANK (FL).
Issue: Taking out the loan or lease

Complaint: I received an pre-authorization offer for a personal loan with Discover Personal Loans through XXXX mail with a potential interest rate as low as 6.99 %, as I am a current Discover Card account holder in excellent standing and with excellent credit. 

After going through process, I was quoted an interest rate of 16.99 % - XXXX more points than the pre-authorization. 

I only had XXXX hard inquiries on my credit, before Discover. Being a Discover Card holder, I am not sure why a hard inquiry was needed, when a soft inquiry would have been sufficient. Now I have XXXX hard inquires on my credit report. 

Discover 's hard inquiry, alone, dropped my FICO score by XXXX points. I had a FICO score of XXXX before Discover did an inquiry. I am asking that the hard inquiry be removed from my credit reports. Had I known that my credit score of XXXX received an interest rate of 16.99 %, I would have never applied for the personal loan to consolidate my other credit cards ( with interest rates of 12.99 % and 10.99 % ). Nor should Discover have needed to pull my credit, seeing as I am a current customer in good standing. 

I have asked Discover to remove the hard inquiry, but am not making progress with Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (MI).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2015 I am not sure how this 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 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 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: Navient is reporting to all credit reporting agencies that I was 90 days delinquent in paying my student loans in XX/XX/XXXX and XX/XX/XXXX. I reported this problem to Navient via formal letter on XX/XX/XXXX and asked that they please review this information as it was incorrect. Payment arrangements were made using the only account number ( Account XXXX ) that I have with Navient. This account number is the only account number that Navient has issued for both my Federal and Private loans. Payments in the amount of {$620.00} were agreed upon and directed debited from my account beginning XX/XX/XXXX through XX/XX/XXXX on the XXXX of each month. Navient is now stating that they only allocated funds to my private loans and my federal loans were placed in forbearance as requested by text message, however they were 90 days late before the forbearance was activated. I did respond " yes '' to text messages asking if I wanted a forbearance, however I thought that it was necessary as I had agreed on the payment plan with the Navient representative in XX/XX/XXXX. Navient responded to my written complaint stating that they performed their investigation and find that I was delinquent on both my Federal and Private loans so therefore they will not remove the delinquency from my credit report. I only have one account number and am unable to allocate how they apply the payments that I make. I asked the Navient representative several time during my conversation with him in XX/XX/XXXX that the payment arrangements he was making would cover ALL loans and he confirmed several times that he was including ALL loans. Please see the attached documentation from the Navient website that shows the allocation of payments and the single account number issued by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Arbitration

Complaint: Kohls account from XXXX I was denied at the store and my XX/XX/XXXX credit report says I owe them {$390.00}. since then. I never had a store card from kohls until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2016 about Bank account or service (Checking account) with U.S. BANCORP (MO).
Issue: Problems caused by my funds being low

Complaint: My boyfriend and I have an account with US Bank for about 4 years. At first we were extremely satisfied and often told our friends and family how great our bank was. But in the last year or so, it has become increasingly noticeable how many fees we have been charged. After minimal research online, I found US Bank has a history of reordering transactions to maximize their own profits. Last month alone we accrued nearly 15 % in bank fees/charges when compared to our household income. And for this year we have been charged a total of {$2100.00}. In XXXX we decided to try a new bank that did n't have a reputation for immoral ( but apparently legal ) profiting strategies. We have yet to officially close out the account as we are still unsure about our new bank. Last month I wrote XXXX checks out of the US Bank account and transferred funds to cover what was overdrawn and also enough to cover XXXX of the checks and half of the other. But once again, the transactions were reordered, returned ( fee ), tried again, returned ( fee ), etc.. Until overdrawn ( fee ), returned, tried again, etc ... Now I have XXXX outstanding checks and an overdrawn account ( including extended overdraft fees ). I am shocked by US Banks behavior and feel taken advantage of.

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 10-08-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On or around XXXX I discovered than XXXX XXXX Bank has the wrong date on file for my bankruptcy. The account is closed but my dates were not properly updated with the records they have it reported as being charged off XXXX of XXXX when it should be XXXX XXXX almost 10 ago and not 5 years ago. The XXXX XXXX account was the whole bankruptcy case. There is a serious and obvious error please delete this account from my report it is wrong.

Company response to consumer: Closed with explanation