milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/15/2017 about Payday loan () with Midwest Recovery Systems (MD).
Issue: Received a loan I didn't apply for

Complaint: First of all, i havent received any money from this lender since the XXXX time I Borrowed {$300.00} around XXXX. Paid off loan to lender in two ocassions. The first time I set up a payment plan with them since the amount I owed them came up to be more than the amount I borrowed. I closed my bank account because I did n't want them having my account information. After a couple weeks I was still getting phone calls calling me again saying I owed them more money ; I ignored them. The Most recent pay was about 2 years ago. They harassed me by calling my cell phone and my house saying I owed $ XXXX, when I finally talked to them on XXXX XXXX, XXXX to try to see if they can lower the amount they lowered it to {$510.00} and paid it. They said it was taken care of and there would be no more calls. One week later the calls started again. They said I owed them another $ XXXX. I told them I just paid them last week that I was n't going to give them anymore money and hung up. Since then they 're still calling me from several different numbers. I checked my credit score a couple days ago and on there it shows a collection balance of {$870.00} from a lender I do not recognize and it says I took out the loan in XXXX XXXX, XXXX. THIS IS FALSE. I did not take any loans and I never received any money from them or anyone. I believe these people are renewing this payday loan making it look like I 'm getting this money. The bank account I used at the time and which they have on file is closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I get some accounts on my credits reports with XXXX balance who was closed on XX/XX/XXXX and not going to be removed until XX/XX/XXXX. I want this account to show paid as agreed and be removed immediately. The name of the account is XXXX XXXX XXXX XXXX. The balance on this account is {$1000.00}.

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 02-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (OH).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I had went on XXXX XXXX app to check my credit score, and I had noticed I have 29 hard inquirys on my report. Ive only allowed a couple of those inquirys.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: They are trying to collect on a contract that they refuse to validate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/24/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (IN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Hello Consumer Financial Protection Bureau, I hope you 're doing well and thanks for all you do. However, please help me! Nelnet ( with its sky high interest rates already ) is doing everything it can to get even more out of me. Specifically, I have three groups of student loans - A, B & C. Groups A & B have higher interest rates ( 6.550 %! ) ; Group C is somewhat lower ( 6.160 % ). 

I 've done what I can though to get these lower rates, down from the original ones, which were even higher ( basically 7 % ). Namely, I 've signed-up for direct deposit and automatic payments. Researching Nelnet further, I determined after my minimum payment, I could actually put the rest of my payment, exclusively, toward the higher interest rate Groups, A & B. Doing so, put approximately an extra {$150.00} of my $ XXXX payment toward my principal ( making it a great option for me )! 

However, Nelnet appears to not like me paying-down my account in this way. Thus, instead of applying my directed payment toward the two high interest groups ; instead, Nelnet keeps, accidentally, putting half of my payment toward the lower interest group ( C ). This means about an extra 14 % /month ( of my monthly payment ) goes to Nelnet as interest, instead of toward my principal. I 've called-in for several months now to get this corrected, and I 'm told -each time- it was a one-time mistake and will never happen again. Yet it just did, again, with this month 's payment. Am I the only one? It 's unlikely. I would really appreciate your help in fixing this matter ( or Nelnet all together ). 

Most appreciated. 



XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Credit card () with CITIBANK, N.A. (MI).
Issue: Advertising and marketing

Complaint: Citi AAdvantage sent me a letter stating they " need more information to process your application '' for a Citi/AAdvantage Platinum XXXX XXXX XXXX account. They said " we are reviewing your application '' and then ask that I call them to verify my SSN. I did not apply for a Citi/AAdvantage credit card and believe they are making fraudulent statements, fishing for my business. I called to report that I did not apply and they asked for my personal information - name, SSN, birthdate - which I refused to provide. I gave them the application ID and they said they needed more personal information to help 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 non-monetary relief
Consumer complaint received 05/16/2017 about Vehicle loan or lease (Loan) with BMO HARRIS BANK NATIONAL ASSOCIATION (IL).
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint: This is in response to your  XXXX   XXXX ,  XXXX  dated correspondence regarding my Complaint with the Consumer Financial Protection Bureau. Attached are  two cashier checks indicating the amounts that I paid, one is f or {$5000.00} dated  XXXX   XXXX ,  XXXX  and the second cashier check is for {$37000.00} dated  XXXX   XXXX ,  XXXX  which brings the total to {$42000.00} that I paid t o BMO Harris Ba nk  XXXX   XXXX   XXXX ,  XXXX   XXXX   ( r eceived by  XXXX   XXXX  in front of  XXXX   XXXX . they were talking to  XXXX   XXXX   ).  This amount disputes your claim of the {$41000.00} payoff and is a difference of {$1400.00} which is the amount that I am seeking compensation for fro m BMO Harris Bank, pl us the {$500.00} ( that I paid to   XXXX   XXXX   XXXX   in order to remove the vehicle from auction. This brings the total request for compensation to {$1900.00}

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 11/30/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Previously disputed credit inquiries numerous times with creditor and creditor reporting agency. Each agency continued to refer me to the other. Was previously advised that they would be removed and to date, they have not removed.

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 05/17/2016 about Mortgage (Other mortgage) with AKT AMERICAN CAPITAL, INC. DBA AMERICAN CAPITAL CORP. (CA).
Issue: Application, originator, mortgage broker

Complaint: I called ACC Temecula Home Loans to get information about the Section XXXX XXXX Home Loan. Their website says they are specialists in XXXX loans. I found out that they are not approved to offer the XXXX loan. When I called to ask questions about working for them and being a Loan officer they assured me I could offer this loan to clients. This just seems like false advertisement and bait and switch to me. This is not right for XXXX that want the XXXX XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Convergent Outsourcing is sending me collection notices from an account that is not mine. The balance on this account is XXXX for a XXXX XXXX Account that is not mine. Collection notices are coming to my house.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Bank account or service (Other bank product/service) with U.S. BANCORP (CA).
Issue: Deposits and withdrawals

Complaint: U.S. Bank offers online deposits and initially the service was good and fast. You could submit a deposit using their Deposit Point and within 10 mins get a email notification that a deposit has been received. Then within 10 mins you would receive another email stating the deposit has been approved meaning that the funds are available. Now it takes 24-48 hrs for the approval and every time I call they have some excuse for the delay. How come the other banks can process deposits regularly at now U.S. Bank? I have never had any issues with my deposits and these are all for small amounts under XXXX for expenses from the company I work for. I have been a customer for over 8 years and will be forced to going in to a branch because online deposits is unreliable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2017 about Debt collection (Medical debt) with Ability Recovery Services, LLC (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I recently viewed my credit report and I see that I have a collection of {$630.00} of a hospital bill that I was n't aware of at all. I did have a car accident three years ago and went to the hospital but I was told the insurance company was gon na pay for it since I was the passenger of the person driving the vehicle. And now it 's appreared on credit report 2 months ago and it 's messing up my credit and I called the company twice and they were very very rude and did n't give me enough information and hung up the phone. I need this off my credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Debt collection (Medical debt) with AMCOL Systems, Inc. (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint: This debt has been removed from my account on several occasions. The company can not verify debt and once it 's pass the allotted time to verify the debt is removed. The company then reinserts debt back onto all  XXXX  credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 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: Public record information inaccurate

Complaint: A Geo rgia State Tax Lien  (  XXXX   XXXX   Superior Court ) is showing  on my credit rep ort. Tax Lien is   showing as filed  XXXX / XXXX / 2013 . I do not a delinquent tax/tax lien with the state of Georgia. I am requesting this tax lien be removed from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I write to this credit repository last XXXX XXXX, XXXX. I have disputed two accounts, XXXX XXXX and XXXX. Both accounts have been reporting incorrect, inaccurate and incomplete information. These account has been reporting incomplete and inaccurate late payments. credit bureaus show either " no data '' or " unknown in most months in my payment history. They are also reporting " 90 days late '' without prior late?!. Account # XXXX has been removed/repaired. But account # XXXX, still reports the error violating FCRA.

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 06/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with USCB Corporation (OH).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I did not take out a loan for school. I had automatic payments taken out for the high school program. When we fell on hard times and job was lost. I let them know we could n't do it anymore. As soon as the payments stopped. I stopped my schooling. They say I owe this money yet I KNOW I do not

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
Issue: Fraud or scam

Complaint: On XX/XX/XXXX, I lost a bid on an item on XXXX. Seller reached out to me via email stating that the winning bidder pulled out and he had the item available, I was the previous highest bidder. We moved off of XXXX   to continue conversation. Spoke to each other onXX/XX/XXXX, on the phone and discussed purchase outside of XXXX. That should have been my first big red flag. Paid in increments based off of " proof of shipped goods. '' 2 XXXX XXXX for a total of {$3800.00} XX/XX/XXXX - {$1000.00} USAA to XXXX XXXX via XXXX  XX/XX/XXXX - {$1000.00} USAA to XXXX XXXX via XXXX  XX/XX/XXXX - {$500.00} USAA to XXXX XXXX via XXXX XXXX ( disputed and reversed ) XX/XX/XXXX- {$500.00} USAA to XXXX XXXX via XXXX  XX/XX/XXXX - {$200.00} USAA to XXXX XXXX via XXXX  XX/XX/XXXX - {$600.00} USAA to XXXX XXXX via XXXX  Seller claimed to have shipped the computers twice. First time he could not give me a tracking number but the second time he did, it was never scanned in by USPS. Seller claimed that when he went to the post office they hadn't loaded it after 3 days and he picked it back up. Seller offered to fly it out with the final payment. Supposedly the seller flew to XXXX  and was still unable to make good on his promise.

I contacted USAA and they said they could not help me and sent me to XXXX. XXXX  said they could not help me and that I needed to file a police report/complaint. I filed a police report and the police told me they couldn't help me that I needed to go to the FBI. I filed the FBI complaint and never heard anything back. This has now been going on for 2 months and I still do not have a refund, I have excuses and empty promises from the seller, and this is my final attempt to get my money back and press charges against XXXX XXXX  of XXXX, GA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an account reported on my credit report by XXXX XXXX that I do not recognize. I have never received any statements from them for this account and it says it was " charged off or collection ''. Also, I have never received any letters from collection agencies for XXXX XXXX with this account number.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2017 about Debt collection (I do not know) with SIMM Associates, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Got a call from  XXXX  from "  Simms associates '' claiming that my deceased grandmother owed  a debt. My grandmother has been deceased for over a year and have never had any issues like this before. I googled the phone number and read many other stories from people that this company is trying to collect debt from deceased people 's family members. Preying on innocent people.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient forces you to become delinquent before they will offer any lower payment arrangements. This has ruined my credit. Instead of an income based payment, they demand a payment that is always much higher than I have left over from paying bills ( bills=food, rent, electric, water, gas, medical ). Also, they claim that they are only charging me 1 % interest while on the repayment program but my balance never goes down. Also, Navient uses scare tactics to threaten you into accepting their final offer for a lower payment that I really ca n't afford to pay. In order to make payments to them I have to put food and gas and utility bills on my credit card and I am forced to always pay my bills late because I feel forces to agree to pay Navients high pay back plan. Navient also reported me XXXX late to the credit bureau before I was 90 days late. In fact my last payment to them was on auto-pay that they took out on XXXX/XXXX/16 and then on XXXX/XXXX/16 ( five days later ) they reported me as late. I found a house to buy not long ago, and the mortgage would have been less than I was paying for rent ( a lot less ) and I could not buy it because of my Navient school loans. The house cost XXXX and the lender told me if it was not for my student loans that I could have bought the house. I am providing for my wife, XXXX daughters and my Mom. My Mom is dealing with a lot of health issues. My income provides for a family of XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 08-02-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Failure to report credit experience correctly as per request of the creditor : On XXXX XXXX, XXXX, XXXX XXXX XXXX obtained a loan from the XXXX located at XXXX XXXX, XXXX, XXXX XXXX. I, XXXX XXXX, was included improperly as a co-signer although I had not I agreed as such. 
The XXXX violated several laws and consumer related regulations, such as, to name a few, the Truth in Lending Act, the Fair Credit Reporting and Equal Credit Opportunity Act. For the former the violation consisted of failure to properly notify the " cosigner '' and obtaining a signature using unfair and deceptive practices. 
The aforementioned resulted in litigation. On XXXX XXXX, XXXX, the parties reached a Settlement for all claims and counter claims. See attached XXXX ( Settlement Agreement ). Under the agreement the XXXX agreed to report the original credit as : " Paid as agreed ''. See Article XXXX highlighted in yellow. The XXXX also agreed to remove derogatory information as indicated in XXXX XXXX. 
We have been in contact with the XXXX and they have indicated that they have reported the credit information as established in the agreement. We informed the XXXX that the information in the credit report is the same that was there before the agreement was signed. The XXXX indicated that they made the changes and that the failure to report the changes is the responsibility of the credit bureau. To this effect on XXXX XXXX, XXXX, they provided us with a letter indicating that the credit has been reported to the credit bureau in accordance with Article XXXX and XXXX of the Settlement Agreement. See copy of the letter attached. 
We are hereby requesting that the credit bureau take immediate steps to correct their record and report the credit as Paid as Agreed as indicated in the settlement agreement and remove all derogatory information as indicated in Article XXXX of the attached settlement agreement. 
Your cooperation in resolving this matter expeditiously is appreciated. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: On or about  XXXX   XXXX ,  XXXX  Equifax arbitrarily deleted all information on my credit report with the exception of  XXXX  accounts. Approximately  two  days later all the accounts and their corresponding information was re-inserted onto my credit report without their notifying me of this change or demonstrating that re-inserted information was verified.     On or about  XXXX   XXXX ,  XXXX  I notified Equifax of this issue, by certified mail, and it appears they attempted an investigation, but upon checking the investigation status it shows " N/A ''. They have provided no information as to the outcome of the investigation nor have they removed the inserted records.     From my understanding the FC RA, Section 611, a c redit reporting agency is to provide written notification of any records that have been removed and subsequently re-inserted, along with providing documentation indicating how the information was validated. Equifax, in this situation, clearly violated the FCRA and has appeared to have ignored my request to investigate the matter.     Attached is a copy of letter sent to Equifax in  XXXX   XXXX  along with copies of my credit report indicating that all information was removed, then reinserted.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2015 about Debt collection (Credit card) with STERLING JEWELERS, INC. (MS).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Kay jeweler found my family members phone numbers and has called them continuously to get messages to me. They went so far to tell my sister the name of their company and about how far behind my account is with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Debt collection (I do not know) with The Best Service Co.,Inc (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: They did not give me any information or a letter on what is the total amount but asking for to always say my social security number

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