milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/18/2017 about Payday loan, title loan, or personal loan (Installment loan) with Big Picture Loans, LLC (NV).
Issue: Charged fees or interest you didn't expect

Complaint: On, or about, XXXX, I applied for a loan for {$500.00} on line from " Big Picture Loans ''. On XXXX they deposited {$800.00} to my checking account. The first payment of {$230.00} was deducted from my account. None of this payment was applied to my account. They claim to charge no hidden fees, this fee was hidden from me. Appearantly their interest rate is approx. 800 %. I was not informed of this interest rate until after the payment posted. I thought an interest rate like this would be illegal. I was never informed that this co. basically opperates outside of XXXX law.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (WA).
Issue: Trouble during payment process

Complaint: My recent streamline refinance added back MIP which we met that obligation back in 2015. Caliber will not remove it please see attachment for all supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/28/2015 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (PR).
Issue: Managing the loan or lease

Complaint: TOYOTA FINANCIAL IS REQUESTING PAYMENTS THROUGH EXEMPT FUNDS OF UNEMPLOYMENT INSURANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2016 about Credit reporting () with JH Portfolio Debt Equities, LLC (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: J.H. Portfolio is trying to collect on a debt from XXXX that I paid through a debt consolidation company. I mailed J.H. Portfolio a letter attached with a statement from the consolidation company showing a XXXX balance for XXXX. I called J.H. Portfolio on XXXX XXXX XXXX and they confirmed that they received my letter and statement from the debt consolidation company and they said they would research the complaint but I have not heard from J.H. Portfolio. I 've disputed this charge three times with XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX XXXX to no avail. I want the charge of {$960.00} off all of my credit reports.

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 01-07-2016 about Payday loan () with CNG FINANCIAL CORPORATION (LA).
Issue: Charged fees or interest I didn't expect

Complaint: Was told that first payment was gon na be slightly higher but paper work state something totally different need exact amount of first payment

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (ID).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Company called " Portfolio '' continues to call me from MANY different phone numbers. I have XXXX debt outside of current mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Credence Resource Management, LLC (WI).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Credence resource management XXXX Refused to withdraw my debt authorized consent stating why would I want to burden my husbands credit. and I as his wife should be aware that 's what I would be doing that to him if I do n't agree to the terms of non payment of this debt.

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 07-09-2015 about Credit card () with PAYPAL HOLDINGS INC. (SC).
Issue: Unsolicited issuance of credit card

Complaint: I just received my XXXX invoice for a credit card I do n't even know how I signed up for it. I called Paypal and they informed me that because I gave them me my last XXXX digits of my SS # during a purchase that It automatically signed me up for this card. I have never received a card. I did not sign up for this card and would not sign up for this card. The interest rate on this card is 19.99 %. I have a extremely high credit score and would have never agreed to that rate. I have a debit card and a credit card link to my account on eBay. I always assumed the Paypal credit option on the list was just for advertisement purposes. In 2015 it should be impossible to unknowingly sign up for a credit card. I feel like Paypal is very deceitful and not using ethical business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/23/2017 about Prepaid card (Mobile wallet) with Blackhawk Network Holdings Inc. (WA).
Issue: Fraud or scam

Complaint: Hi, I was unfortunately a victim of fraud through REloadit packs. This is not REloadit 's fault, but when I realized that I was being defrauded I called them right away. I had to speak to many different customer service reps until someone understood what I was talking about. When they looked up my REloadit packs, they said they were added to two different REloadit Safes which still had funds on them. I was told that the REloadit Safes were frozen, but that I would not be able to get my money back since I had been the one who " authorized someone else to use my packs. '' I think if the money is there, the fraudster 's account was frozen, and I am providing proof that I purchased the packs, I should be able to receive my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 11/23/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: My name is XXXX XXXX, SSN XXXX. I cosigned for a loan for my daughter XXXX XXXX XXXX. I filed a complaint against Navient a few months ago because Navient reported 90 late payment to the credit bureaus after constant communication with them. In XXXX 2015 I was told to make a payment to stop the reporting and at that same time I was reported as being 90 days late. I have never committed to monthly payments or I would have paid them. XXXX communicated with Navient re : her payments. I have never had a late payment with Navient. Their agreement was with XXXX to pay monthly that I was not a party of. In XX/XX/XXXX, I paid the {$500.00} to clear my name and they will not change the status on my report. I think the late 90 day notice should be reported on XXXX 's report no mine. I have been denied a house loan because of this I did not agree to pay. Also, Navient continues to harass me weekly. XXXX has been in school full time since XXXX 2015, and I get calls every Sat and Sunday although an in-school deferment was submitted. I would like to have someone follow up and assist me with this complaint. To date, I have not outstanding loans with Navient and have never had a late payment. Please help. I would like to purchase my home but need the 90-day late payment deleted from my report. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I 've experienced several unsuccessful attempts to have some inquiries removed from my Equifax credit report as they are reporting inaccurately. I have spoken with countless agents who 've given me the run around about having this incorrectly reporting information removed from my credit report. Due to these items being reported inaccurately I am having trouble acquiring things that I actually have knowledge of. I was told on more than one occasion that these items would be removed and that my credit report would be updated in 24 hours with the inquiries removed yet that has n't happened. On today XX/XX/XXXX these incorrect items are still being reported inaccurately and I would like to have them removed as I was told they would be. 
They are as follows : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please remove these items ASAP as they are hurting my credit image and damaging my credit worthiness with potential creditors. Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 06/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Thank you for reviewing my complaint.     Today, I attempted to make a {$40.00} purchase with m y Citi Simplicity c redit card. Before doing so, I checked my account onlin e. Citi 's  website advised me I had {$180.00} of available funds, as shown in one of the attached screenshots  ( " Citibank Available Credit Display '' ).   <P/> Citi 's website also presented a screen informing me that my account payment was past due ( see the screenshot "  Citibank  Account  Past Due Display '' ). Citi re quested a {$40.00} payment. ( It is coincidence that both my intended purchase and Citi 's requested payment were {$40.00}. ) Strangely, though, the website advised me that the payment would be due   XXXX   XXXX   -- nearly a month from today.  <P/> Critically, neither the past-due page nor the account information page made any indication that I would need to pay the past-due amount in order to access my {$180.00} of available credit. However, when I attempted to make my {$40.00} purchase, my card was declined. I called Citi. A representative explained that, because my account was past-due, I would need to make a payment before accessing my available credit. The representative said that my past-due amount was, in fact, {$20.00}, with the additional {$20.00} due   XXXX   XXXX    <P/> I have two specific complaints : First, and more importantly, if Citi reports to a client that he or she has a certain amount of credit available, the bank should not simultaneously block the client from accessing that credit. To report a certain amount of available credit but block access for reasons other than suspected fraud is misleading and could leave clients without access to funds they reasonably expected they could use. At the very least,  Citi  should make abundantly clear, up front, that it will deny access to available credit until a required payment has been received.  <P/> Second, Citibank should make clear exactly how much payment is required to satisfy a past-due balance. A reasonable reading of my account information page suggests I owe {$40.00} on   XXXX   XXXX  , with no indication of how much, if any, is actually past due. This engenders confusion : I might either conclude no amount was actually due already, given the listed   XXXX   XXXX   due date, or I might mistakenly believe I am {$40.00} past due ( in fact, my overdue payment was {$20.00} ) and thus pay more than necessary. Were the listed due payment much greater, I might needlessly put myself in financial hardship to pay what wrongly appears to be a past-due amount.  <P/> Thank you again for reviewing this complaint. I appreciate your consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Debt collection (Credit card) with Oracle Financial Group LLC. (NY).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: This company called my work place. The gentlemen, XXXX XXXX, did not know he was speaking with me and gave out my personal information. Insisited on speaking with me and and would not hang up unless they spoke to the CEO of the company. I took down the information and called back. He was again threatened me with court and coming to my work and embarrassing me with a citation. Also, said that I was going to go to jail for stolen goods. I asked to speak to the supervisor to file a complaint and the supervisor, XXXX, said he would listen to the recording and reprimand and have him fired. Then the supervisor threatened me with attorneys and a citation at my work. I told them they are not to contact me at work or go to my work. I offered a payment arrangement as I have had in the past to the company and past collectors and they refused stating not enough money and they would pursue through legal system and come to my work. These gentlemen have threatened me and now I am unable to stop shaking and I am afraid I will lose my job & gt ;

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 12/14/2016 about Consumer Loan (Title loan) with ACE CASH EXPRESS, INC. (AZ).
Issue: Charged bank acct wrong day or amt

Complaint: There is a breach of contract under the stipulation of late payment marked X on page XXXX. I contacted the corporate headquarter in XXXX and I was told that the automated system had set up my account to draft from my XXXX XXXX account on the XXXX of XXXX. 

I believe I was n't given the allotted 10 day time frame to be able tyo catch up on my missed payment. Please mediate for me as I do n't know how to go about this situation. 

Thanks and here are the paperwork needed for my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Loan modification,collection,foreclosure

Complaint: I filed a complaint with cfpb a few months ago regarding my lender Wells Fargo not working with me in order to get mortgage assistance and/or payment arrangements. Well I lost my home as a result and now they are blocking assistance to do a short sale on the home. XXXX they authorize the start of the short sale in XXXX, but then did not release it out of modification until XXXX XXXX, 2015. Wells Fargo assigned a consultant XXXX XXXX, who would never return my phone calls. Once I was able to speak with XXXX we agreed to proceed to do a short sale IN XXXX 2015. Me and my agent XXXX tried several times to contact XXXX to release from modification status and failed to reach her. Left XXXX messages to do so and finally XXXX XXXX, 2015 my account was moved from modification status to foreclosure status BUT now the sale date is XXXX XXXX, 2015. Wells Fargo made it impossible for my agent to list it as short sale and now due to Wells Fargo lack of communication and lack of action, we now only have 2 weeks to proceed with the short sell. Also, I ask about the HAFA program because I heard about it from a friend and was given the run around. Wells Fargo unprofessionalism has caused me to possibly miss out on taking advantage of doing a short sale as well as the XXXX program. I ca n't tell you how frustrating this process has been. When I initially contacted Wells Fargo I was behind XXXX month ( XXXX ) {$710.00} and was in the next month ( XXXX ) which could have been paid and a payment arrangement for XXXX could have been made. I was told they would not accept that because it was a partial payment, they do n't accept partial payments. Instead it was in modification until XXXX at which point I could not afford the {$6700.00} past due amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX on behalf of Midland Funding LLC filed a case against me on XXXX/XXXX/XXXX with the XXXX district court, case # XXXX which was dismissed XXXX/XXXX/XXXX for non-service. A subsequent case was filed by XXXX on XXXX/XXXX/XXXX case # XXXX this case was also filed at the XXXX district court in Michigan. 

The court ledger states that on XXXX/XXXX/XXXX I was " personally served '' at an address that I had not lived at in at least 3 years. A default judgement against XXXX/XXXX/XXXX me was entered because I was not personally served and did not arrive to court. I had no knowledge of the court date. Ironically, the initial case filed by XXXX, # XXXX was sent to the address I moved to from the address listed in case # XXXX. The judgement was for a writ of income tax not wages. On XXXX/XXXX/XXXX a writ of periodic garnishment was entered. I still at this time had no knowledge of this or given proper notice of this case for 9 years. On XXXX/XXXX/XXXX, after my initial notification of the garnishment from my employer, I filed an objection to garnishment with the XXXX district court. I was also granted a hearing. XXXX XXXX acknowledged the objection with a letter to the court on XXXX/XXXX/XXXX. The court date for the ojection hearing was XXXX/XXXX/XXXX. I traveled from my home XXXX miles away for the hearing only to find that XXXX entered a satisfaction on XXXX/XXXX/XXXX and my money was sent to them. During the hearing I was the only party to show up and was granted an objection to garnishment. The court papers stated my money should be released to me immediately. I called XXXX law to inquire on getting my money returned. I was advised somebody would call me back and have not received any communication. XXXX in fact was overpaid and collected monies from my Michigan state income tax and my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Medical debt) with Avadyne Health Holdings, Inc (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I reached out to the credit bureaus to contact the collections agencies alleging I owe them a debt and to send me proof of debt with their company. I never recieved verifiable proof showing I owed debt to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have been trying to contact Equifax to change the report. The credit card company has sent me a letter stating that they sent the information to the company to make the change. I have no way of calling and the computer states my records are not available.

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 08-10-2017 about Debt collection (Credit card debt) with Atlantic Credit & Finance, Inc. (MD).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have a XXXX 's XXXX credit account which is delinquent and was recently sold to a third party collection agency - Atlantic Credit. I received a letter in the mail regarding the outstanding balance but I have received no less than 5 calls per day since the beginning of XX/XX/XXXX. Not only do they call from their toll free number, I have received calls from a XXXX number in XXXX, VA as well as from a Restricted line. They do not leave messages from any of these numbers. On XX/XX/XXXX, I accepted a call from the restricted line to inquire who was actually calling. Atlantic Credit informed me they were trying to contact me before they had a local attorney take over the account.Upon speaking with XXXX XXXX and her supervisor, XXXX, I informed them both of my reason for the delinquency as well as expressed an intent to work out a payment arrangement. I also informed them both that I was at work and would not be able to accept calls during business hours and would have to call them from home during non business hours. On the morning of XX/XX/XXXX at XXXX, I received another call from the Restricted number but again they did not leave a message. I am interested in discussing a payment arrangement but I am not interested in receiving multiple calls from multiple numbers nor am I interested in feeling as if I 'm being harassed with threats of legal action or sarcastic comments regarding my intent to pay.

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 05/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I purchased a car i n 2015. A fter purchasing my vehicle through  XXXX   XXXX , I see that over  XXXX  inquiries were processed on my credit report without my authorization. I contacted Transunion directly to inform them that these were unauthorized and they were in violation by allowing these to remain on my report without any proof that these were initiated by and for me. They sent me a letter back saying that they would not remove them. I am thoroughly disappointed that the credit bureaus are allowing things to be reported without any proper documentation or proof. I will attach all documentation for this matter as well as ALL unauthorized inquires on my report.     Thank You for your attention to this matter.

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 02-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I was a victim of identity theft and noticed a collection from CONVERGENT OUTSOURCING I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against CONVERGENT OUTSOURCING in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation