milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-07-2016 about Prepaid card (Payroll card) with Blackhawk Network Holdings Inc. (VA).
Issue: Unauthorized transactions/trans. issues

Complaint: My card was used unauthorized in total of XXXX. Its been two weeks now and i have gotten no where with this company. Customer service hangs up on me. I am told nothing of when I will receive my money. There is no way to escalate the matter. I am from XXXX my card was used in XXXX. No help has given to me in the matter at all. I have children and bills. This company is rude and i believe they are trying to keep my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 03/17/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with SYNCHRONY FINANCIAL (CT).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: The XXXX Credit Card services offered by XXXX XXXX is taking too long to post payments to my account. I made electronic payment to the account on XX/XX/XXXX and it cleared same day. As of XX/XX/XXXX, the payment was still not cleared. The account manager informed me that the payment would not clear until after XX/XX/XXXX as it takes this long for XXXX XXXX  to verify the payment. This seems too long

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 05-10-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Unable to dispute and remove my " consumer statement '' via Transunion website. Website keeps bringing my to my last dispute results.

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 04/14/2015 about Payday loan () with COMMUNITY CHOICE FINANCIAL, INC. (RI).
Issue: Charged fees or interest I didn't expect

Complaint: {$4000.00} I rec 'd a Loan online from Cash Central in the amount of {$1500.00} on XX/XX/XXXX. This was to be an installment loan which was for 18 months, per my attached paperwork. It is now XX/XX/XXXX and they say that my balance is still {$1400.00}. The loan is to paid in XX/XX/XXXX in full. I contacted them and they now tell me that I have another 16 months to pay. I have all confirmations from this company as far as them receiving my payments since XX/XX/XXXX. I have been paying them {$300.00} per month. The total paid to them as of the end of the loan will be {$5500.00}. I do not believe that they are licensed in my State. I had asked in a previous email but they never responded. Please step in and let me know exactly what I should do. I do not intend to pay after the end of the loan. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: They are reporting an account they do n't own and it was paid to original creditor ( XXXX ) and they are violating FCRA!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/17/2018 about Mortgage (Conventional home mortgage) with SUNTRUST BANKS, INC. (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: I worked with my mortgage existing lender Suntrust Mortgage to refinance my house. I spoke to XXXX XXXX to make a long story short. XXXX told me I did n't qualify for the new loan modification but that he can do regular conventional loan and give me good rate and payment would be at {$2100.00} with tax and insurance. I verified with him to make sure that it was correct amount since I was paying before $ 1800+ dollars a month. He said yes and I signed up to refinance. Now he had all my information taxes insurance because they were my same lender. A year later comes, and I get a bank statement under new account XXXX telling me I have a escrow shortage of {$4600.00} and I had to pay by XXXX2018 or my payment would be {$2800.00}. If I did pay it I would still be paying {$240000.00} every month. They were deceptive and to me they committed fraud to get me to signup on a new loan. If they told me upfront the payment would be this much, I would of never refinanced. I do n't have that kind of money saved to pay back outrageous shortage fee and higher payment a month. I trusted this bank to do the right thing. I called them and spoke to XXXX of client solutions at XXXX XXXX XXXX and she sent it to higher management to investigate what went wrong.

This is not a {$100.00} mistake. This is a $ 400.00+ a month mistake and a {$4600.00} bill. What she found out so far was she said that suntrust did n't make a mistake it was a 3rd party they hired. I didnt ' hire the 3rd party. I hired my same back to give me honest deal. I feel I was lied to and fraudulently given a wrong rate to get me to signup with them on refinancing. This shows them doing another loan and now I 'm struck with an outrageous loan. they have to do something. They lied to there consumer.

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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CONSUMER PORTFOLIO SERVICES, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have inquires on my report inwhich I have No knowledge of all these inquires occurred on XX/XX/2017 XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In 2012 I helped my son obtain XXXX XXXX by using my credit card because it was required and he did not have one. Thereafter, he let the account get in arrears and so it was charged to my credit card. I notified my son of this and he took all of the equipment which belonged to XXXX XXXX to the XXXX XXXX in XXXX, Texas and paid the bill and XXXX XXXX took the charges off my credit card and I then closed the credit card. Then later my son decided to keep the services of XXXX without any help from me or use of my name or credit. Then once again he got into arrears with XXXX and moved away without paying the bill which had nothing to do with me. He was residing at XXXX XXXX XXXX XXXX in XXXX, Texas. Now, XXXX XXXX has hired a collection agency to collect his debt from me and when I would not pay, they put it on my credit report and showed that I lived at the XXXX XXXX address where I have never lived. This is not my debt and I have filed a dispute with XXXX only to have my dispute denied and the debt left on my credit report. This is very maddening because as I say, I have never used the services of XXXX nor have I ever lived at XXXX XXXX XXXX where the services were provided. Please do your best to rectify this outrageous matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 06-06-2017 about Debt collection (Other debt) with ERC (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: ENHANCED RECOVERY CO  XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  The company listed above has placed a collection on my credit report as of  XXXX   XXXX ,  2017  stating that I owe a debt to them in the amount of  XXXX . The original debt was to  XXXX   XXXX  and the debt was for less than the amount listed, this company has no legal authority to collect any debt from me and this should be removed from my credit. The original debt is alm ost 7 years old.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2016 about Debt collection (Non-federal student loan) with Javitch, Block & Rathbone LLC (IN).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I need your help with a third party debt collector Javitch Block LLC. They are suing me and I suspect without any meaningful attorney involvement. They sent a extension to my motion to dismiss to the courts to obtain documents. They wrote in the first paragraph it was for XXXX XXXX XXXX XXXX XXXX XXXX and then the last paragraph they put XXXX XXXX XXXX XXXX XXXX XXXX. I do not owe this company money and they have not verified any documentation nor did I give them permission to obtain and use my personal information. I have had several XXXX and this added XXXX is not helping my condition. I have heard Javitch Block LLC in XXXX Ohio is a debt collection agency who uses unfair practices and threatens to destroy people and have an attorney XXXX XXXX. I do n't have a lawyer because I can not afford one and have a child to take care of. This purported debt has gone to XXXX other third party debt collectors and none of them could verify it and they all have different account numbers for this purported debt and I have never had a contract with this company or heard of them. Can you please help.

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 04-03-2015 about Debt collection (I do not know) with COMMUNITY CHOICE FINANCIAL, INC. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: Checksmart XXXX collections office has been harrassing me for 5 months. I have informed them multiple times that they have the wrong number. They are attempting to reach a woman 's home phone number and are instead calling my cell phone every day. The agents are extremely XXXX and XXXX toward me and i have never done any sort of business with tgem. I have inforned them on XXXX occassions i would be filing a complaint against them if the calls continued yet they still continue. ( XXXX ) XXXX is the number they call from. When you call back their answering service is de eptive as well.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2016 about Debt collection (I do not know) with Allied Interstate LLC (OK).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My identity has been stolen. I 've gotten letters from XXXX saying I owe {$85.00}. I called XXXX and they said I do n't owe them anything, and I have n't been on there for awhile. My last letter was from a collection agency called Allied Interstate.they gave me 30 days to pay them, but I do n't owe XXXX. I called collection agency he answered Hello. That was not how you answer the phone as a collector. He was XXXX I barely could understand him. He had my address and he said " is your address right ''? he said is that a yes.? I hung up the phone. The number I called that was on the letter was XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/15/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (MD).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Hello CFPB, I am filing this complaint against Navient due to their negligence to negotiate affordable payments. They have harassed me with phone calls. They even sent me a holiday card saying that my balance was pass due. I have been in communication with them in order to get my loans out of default. Before my loans went into default in XXXX XXXX, 2017. I was trying to negotiate with them to lower the payments. Navient 's service representative told me that I would have to pay at least {$10000.00} in order to make it current. I told them I did not have {$10000.00} to pay. They asked me is there a way I could ask my grandfather who since he was the co-signer. I replied no, because he has XXXX. They said sorry to hear that, is there a way you can take it out of his account or retrieve the money from his 401 k or insurance policy. I told them that was very inconsiderate and no, I could not do that. After that I was told my loans would go into default and my account would go to a 3 party debt collector. A few weeks later, I began receiving called from Navient credit collections department. The first offer was if I pay 10 % down on my initial loan than my balance would decrease and be up to date. Also, I had to pay {$250.00} every month for the next 10years. The  service agent asked if I needed time I said yes. A day later, I kept getting random calls from different service agents. The only reason how I knew it was them calling because of the different voicemails I received when I got out of my meeting. I called Navient back last Thursday, XXXX XXXX,2017 in order to negotiate my loans being in default. They said that I could try to take out a PERSON LOAN from the following : XXXX, XXXX, XXXX XXXX, XXXX XXXX. I applied for all of the loans and got denied. The agent told me that I did it wrong, I was supposed to fill it out for a PERSONAL LOAN. I rechecked my accounts for the personal loans, the only loan I applied for incorrectly, were the loans for XXXX. Since XXXX already denied me a loan, they would n't give me the option of a loan. I told Navient 's customer service agent that I did not have a co-signer but I can pay the $ XXXX month. She told me that due to my account being pass due and it is being a private loan, they could do whatever they can charge whatever they wanted. I told her I am not getting approved for a loan due to my student loans being in default. They did n't care at all nor try to negotiate. I told her I dont have it and that I would be consulting a lawyerIn order to resolve this issues.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CORELOGIC INC (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XX/XX/2017 I am being hit with a hard inquiry from XXXX. 
This was fraud as I did not apply for one from them.

I was told this inquiry would be removed and still hasn't XXXX  and XXXX were also gon na remove it but still have yet to do so.

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 12-06-2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: On XXXX/XXXX/XXXX I have opened a personal checking account online pursuant to the advertising from santander bank promising {$350.00} bonus after direct deposits totaling {$2000.00} or more post to an eligible account within the first 90 days of account opening. 

On XXXX/XXXX/XXXX I have mailed out a signature card as per terms and conditions of the account. 
Santander claimed they never received the signature card. 

When I went to the branch with my signature card I was told they could n't accept the signature card and that I should remail it. The representative apologized for lost mail and advised that they were swamped up with the mail as they did not expect such response from the advertising. 

I have re-submited account information online and resent the signature card on XXXX/XXXX/XXXX. 

On XXXX/XXXX/XXXX my employer processed direct deposit of {$2000.00} to my checking account. 

I have met all the new account bonus requirements, however Santander did not post the {$350.00} bonus. Various representatives gave different inconsistent reasons each 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 05/17/2017 about Debt collection (I do not know) with Worldwide Processing Group, LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: For the past three days I have been receiving recorded " trace location '' messages from " FMR. '' I have  XXXX  the company and it is associated with a phishing scam based on fake payday loans. I have checked my report at all  XXXX  credit bureaus and there is no collection against me from FMR, and not even any fraudulent payday loan on my record. This company has even called my mother looking for me.The calls started at about the time that my credit union notified me that my debit card would be reissued because of a security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Certified letter was received by the company on  XXXX   XXXX . I had questioned some entries on my credit report. The company failed to respond or report it as disputed on my reports within the 30 day time period. Violating the FDCPA and FCRA. I believe this is up to a {$2000.00} violation now.

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 02/29/2016 about Debt collection (Credit card) with Forster, Garbus and Garbus (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have been battling with portfolio recovery and Foster, Garbus & Garbus for over a year regarding a debt that is not mine. I continue receiving letters from Foster, Garbus XXXX Garbus regarding same debt although I 've submitted documents to Foster, Garbus & Garbus proving that I DO NOT OWE said debt. These guys went as far as having my XXXX XXXX account frozen last year and I thought the issue was resolved once I submitted my documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Student loan (Federal student loan servicing) with NELNET, INC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Loans opened on ( XXXX from ) XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX from ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX all show the same four late payments spanning XX/XX/XXXX and XX/XX/XXXX and I was a XXXX XXXX XXXX at the time and not in repayment. Please removed these from my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: XX/XX/XXXX, I requested forbearance until XX/XX/2016 because my loans were being consolidated. At the time, I was not aware that I had XXXX private loans from navient, who failed to mention this in the many conversations that went on between myself and the operators. I also hold my guardian responsible, because she failed to tell me that she used my information to apply for these loans to get keep me at school. They failed to mention that from the moment I received the loans that interest was building on them, even while I was in school. Although I do pay my loans, Navient has done nothing but make my life stressful. Since then I have been lied to and harassed regarding my private loans. In XX/XX/XXXX I made three payments to the company, XX/XX/XXXX for {$350.00}, XX/XX/XXXX for {$270.00}, and XXXX for {$270.00}. Despite making several payments, I have since been harassed about late payments. I have had to speak to XXXX escalated account managers and each time a new piece of information is revealed.One of the managers even tried to pry into my personal life regarding myself and the cosigners relationship and even after I would not tell her anything she continued to pry and I had to disconnect the call. It seems like the company is purposely neglecting to change my account status as I receive at least six calls a day from different numbers telling my my account is past due. I have requested this be fixed twice already and it has not been done. I consolidated my federal loans and I am being told that I still owe on those. The payments I made went to federal loans, and instead of someone looking into this, they call me to tell I still owe money, despite my account showing that I paid. I had to request management so that someone could take a further look. I received a letter stating that I overpaid and even after that, I still am receiving calls that I have late payments due. I received a check for the over payment, despite telling the escalation manager that I would like the money to go to the next month balance. Navient has been extremely unprofessional, careless and neglectful in this entire process. On the eighth, i received a letter that my account is Delinquent. My next payment is not due until XX/XX/XXXX, which was to be paid with the over payment check I now possess. I fell powerless in this process and all they continue to do is take my money!! I ahve tried to resolve these matters several time directly with navient but it is not working. I dread the calls. I work at night and my phone is ringing constantly while I am trying to sleep. I have a family and so I keep my ringer loud in the event one of my children need assistance or there is an emergency. However, Navient constantly calls my phone disrupting my sleep and my life! This company is terrible and needs to dismantled!

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have called ( In XX/XX/XXXX ) about these disputes even talked to the companies and they say I must deal with the credit bureaus. I was told they would all be deleted.

All the credit bureaus have or had fraud alerts yet I am never notified until someone tries to access my credit. Almost daily or weekly I am getting hit with inquiries. I know they are n't mine I have identified what belongs to me and attached to a open account.

Experian Hard Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX attached to account-legit XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX attached to account-legit XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  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