milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-04-2018 about Payday loan, title loan, or personal loan (Personal line of credit) with Alliance Data Card Services (OH).
Issue: Problem when making payments

Complaint: XXXX is not prioritizing my additional payments to pay off interest bearing loans as they had originally promised they would. In fact, the online Paypal payment system will not permit the lendee to designate where the funds should be allocated. Any payments made are allocated at Paypal 's discretion. I have interest bearing loans that should have already been paid off however Paypal has been paying off 0 % loans as well with my additional payments. I am therefore incurring interest charges on loans that should have been paid off already. Paypal has gone so far as to blatantly apply my payments to a 0 % interest loan that they claimed was already credited due to a cancelled order. On XX/XX/XXXX Paypal posted " XXXX XXXX XXXX XXXX Refund + {$1500.00} '' However as of today, XX/XX/XXXX ( 55 days after this supposed refund ) Paypal credit shows that my payments are still being actively applied to " XXXX 24 Easy Payments {$1400.00} Balance ''. 
In my last complaint XXXX refused to take responsibility for the lengthy delay and false claims regarding a prior refund of {$1200.00}. On XX/XX/XXXX Paypal posted to my account " We're processing your refund and your money will be available on XX/XX/XXXX. '' However that {$1200.00} was never actually refunded to me until XX/XX/XXXX. Paypal sent an email on XX/XX/XXXX promising the refund however those funds were only available to me on XX/XX/XXXX. And yet Paypal still shows on my account that the refund was on XX/XX/XXXX. I did not accept Paypal 's response at that time. I have included documents related to that complaint for reference. 
Fraudulent!

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: TransUnion , LLC is repeatedly violating the Fair Credit Reporting Act by not sending me signed, written verification or validation of a bankruptcy that showed up on my credit report. Every time I send TransUnion a letter requesting signed written verification or validation, They just send me a letter back stating that it has been verified. So I called the XXXX Courts and I was told by the Courts that they do not, will not and ever will report to the credit reporting agencies due to privacy laws. what baffles me is that TransUnion is claiming that this account was verified, Who is verifying it?? I have attained legal counsel over this matter and will be filing a lawsuit as soon as possible. According to the Fair Credit Reporting Act, ( A ) ( 1 ) ( A ), Credit Reporting Agencies are required by Federal Law to verify, Through the physical verification of the original signed consumer contract, Any and all accounts they post on a credit report otherwise, Anyone paying for their reporting services could fax, mail or email in a fraudulent account. If this account can not be verified or validated, It must be deleted immediately!!! If you need any more information, Feel free to call me at this number, XXXX XXXX XXXX XXXX. 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 08-02-2017 about Debt collection (Credit card debt) with Riverwalk Financial Corporation (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I check my credit often because I 'm monitoring it cuz planning to purchase a home by the end of the year. Just recently got married. So i was looking through   XXXX   XXXX   through   XXXX   XXXX   XXXX   XXXX   noticed Deville on my credit report. I did n't recognized the name so decided to contact them. Spoke to a   XXXX   XXXX   and asked her what is this all about. And she told me it 's a credit card through  XXXX  that was opened back on 2004. It did n't dawn on me till later that why would this show up now if it 's been opened for that long. Never did I get any letters from them.

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 09-04-2015 about Debt collection (Credit card) with Global Credit & Collection Corporation (TX).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I understand that I have a debt with XXXX but they have been repeatedly sharing my sister 's phone number with other agencies when I never supplied that phone number to them.

Company response to consumer: Closed
Consumer complaint received 07/14/2015 about Debt collection (I do not know) with Stellar Recovery, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Almost daily phone calls from Stellar Recovery for months now. All computer calls. 

I own my home, own my car, pay my credit card bill monthly, as well as utility bills, insurance, etc. 

I have a stellar credit rating, clean credit record, and owe money to no one. Obviously, this is unwarranted harassment.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I currently have a mortgage with Ocwen Financial, back in XXXX I requested a modification, I received the packet sent filled everything in and sent it back to them, they said they received everything by XXXX XXXX, after being told they had a complete packet, weeks later I received a request for additional information, this happened over and over again, each time I would send in the information I would call to be sure they had everything, and each time a week or 10 days later I would get an additional request via snail mail, I would promptly send in whatever was requested, the final hold up was they wanted my sisters financial info even though none of them are on the loan or have anything to do with the loan, however they do live with me. During this process I was told since I had my original packet in before XX/XX/2017, received complete on XX/XX/2017, that I had 90 days from that date to get in any other requested information, I was also told not to get behind on my payments otherwise I would not be considered for a modification. Yet I recently received a letter from Ocwen saying they will not review my request for a modification since I was not behind on my payments and they did not have everything they had requested before XXXX XXXX. I sent in everything they asked for usually the same night, just to make sure they would have it, I sent it email, fax and overnight mail, because some times they would say things were illegible, even though I would send them to multiple devices and not once had a problem. I started this process after learning about the 2.2 billion dollar settlement Ocwen made with the bureau to correct some of the wrongs they were responsible for in this country 's meltdown. I want to keep my house and keep making payments, but being a carpenter I was greatly affected by downturn starting in 2008 caused in large part by companies like Ocwen. I do n't want anything I 'm not entitled to, but I would like fairness and truthfulness especially from my mortgage company, especially when that company has an obligation to fulfill to the tune of 2.2 Billion dollars, for fraudulent practices. I did not choose Ocwen, I had started with another scheming mortgagor Indy Mac, but now that I 'm with Ocwen I am doing all I can to keep up my end of the bargain paying my mortgage each month and I wish they would do the same, I followed the rules to the best of my abilities to get my paperwork in on time, while they did everything in their power to slow it down, it 's disgraceful when such a large company is allowed to treat their customers this way. I just wanted to be considered for a government backed program to help us thru this tough time, and they wo n't even look at my case, why did they keep requesting items if the deal was off XXXX XXXX. What good is a settlement of 2.2 Billion dollars if no one makes sure they follow thru and help their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Debt collection (Other debt) with M. G. Credit, Inc. (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: The collection company in question is attempting to collect a debt and are not licensed in the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2015 about Student loan (Non-federal student loan) with CITIBANK, N.A. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: For the past year, I have been attempting to have Citibank update the status of XXXX loans they previously held. These loans were disbursed to me in XXXX, when i was a student XXXX XXXX XXXX XXXX in XXXX, NC. These loans defaulted in XXXX, after I graduated XXXX and had a very hard time finding a job. At the time, I was barely making enough to pay my rent, utilities, and buy food. These loans transferred to XXXX other lenders. 
During XXXX and XXXX, I completed rehabilitation programs for all of my defaulted student loans. I also paid off XXXX of the loans that was previously owned by Citibank. I did so with the guidance of an advisor at a local credit counseling nonprofit. She suggested I reach out to Citibank after completing all rehabilitations, to request that the status of these loans be updated to paid on my credit report. Both lenders ( XXXX Funds and XXXX XXXX XXXX XXXX XXXX updated the status of loans on my credit report. However, after many requests and promises to update my loan status, Citibank has not done so. 
I started by calling last fall and speaking to a representative. They assured me that If I obtained letters from XXXX Funds and the XXXX XXXX XXXX XXXX, Citibank would update my credit report status to paid and rehabilitated. I mailed these documents in XXXX XXXX, and received a reply from Citibank in XXXX XXXX indicating that they received my request and would update my account with all XXXX credit agencies. Nothing happened. 
I called and then sent another request by mail in XXXX XXXX. I got another reply that the status of my old loans would be updated, but still nothing happened. Since then, I have talked to several Citibank representatives who gave me false hope. These loans both have a delinquent status on my credit report. 
I have consolidated all of my remaining student loans under the servicer XXXX. These Citibank loans are the only negative mark on my credit report. They are listed as last late 5.1 years ago. I 've tried so hard to repair the damage I did to my credit and financial future by letting my student loans default. My fiance and I are hoping to buy our first home this year, but we are waiting for my credit to improve. I would be so grateful if Citibank would remove the negative status of these accounts. We do n't want to wait two more years for these loans to disappear from my credit report before we can move forward with our financial goals. I would greatly appreciate any help with this matter. I 'm attaching all of the mailed correspondences between Citibank and myself. 

Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: I have reached out to XXXX, Transunion, and XXXX Credit bureaus a number of times to have personal information that does not belong to me removed from my report and they refuse. The following addresses, phone numbers, employer, and ssn 's that appear on these reports do not belong to me and/or are reporting inaccurately. I have lived at my current address since XXXX and keep being told that other companies have reported this information as valid, which I think is absurd being that they are allowing others to report what they feel is valid and NOT me. Due to poor lack of investigation and communication Im requesting that all of the inaccurate data be removed. ADDRESSES THAT DO NOT BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SOCIAL SECURITY NUMBER VARIATIONS THAT DO NOT BELONG TO ME : XXXX XXXX NAME VARIATIONS THAT ARE REPORTING INCORRECTLY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PHONE NUMBERS THAT DO NOT BELONG TO ME : ( XXXX ) XXXX ( XXXX ) XXXX IN ACCURATE EMPLOYER INFORMATION XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 09/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX XXXX Fl XXXX TransUnion LLC XXXX, PA XXXX XXXX Dear Sir or Madam, I am writing in regards XXXX XXXX XXXX and XXXX XXXX account on my credit report. On XXXX/XXXX/XXXX I have file complain to the CFPB I sent a letter explaining the situation. 

All this accounts have been process and closed in XXXX not in to XXXX and the discharge date was XXXX not XXXX. 

In addition it has been 8 years seen this Loan were reported to the Credit Bureau. 

My Understanding was that Art institute took XXXX loans and the XXXX of XXXX Paid and clears this loan in XXXX. However on my credit Report it appears XXXX loans from different agencies. 

I 'm requesting this loan to be remove from my credit report. 

I have enclosed copies of all my records correspondence. 

I look forward to your reply and resolution to my problems. Thank you for the opportunity to clarified this issued. 


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 09-04-2015 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is incorrect info down on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I went into XXXX and was told by their representative that I could cancel AT ANY TIME. I paid {$750.00} on the XXXX day and received NO services. I sent a certified letter to XXXX within XXXX days saying I wanted to cancel and for them to refund my {$750.00} deposit as I received no services of any kind. They refused to refund me and have now sent me to collections for services I never received. They fraudulently represented themselves to get me to sign up and then once they got me, they claimed I signed up. There are numerous complaints against this company that I discovered after the fact. I am out {$750.00} for NOTHING and now I am being reported to the credit bureaus.

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 05/31/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: On or about  XXXX   XXXX  I was purchasing something through  Amazon.com. It referenced " linking '' the card to my Amazon Prime account. The ad said if I did this I would get a discount to my purchase or a credit to my account. I applied for and received a new credit card with a {$4500.00} limit. I did not understand that this meant that my annual renewal fee for my Amazon Prime account   would now be charged to a new credit card. In  XXXX   XXXX  apparently it charged my new  Amazon Prime card. Prior to this, my Amazon account automatically debited from another account. I also did not receive a notification from Amazon that my card was being automatically debited, so I had no reason to believe a charge was being applied. Believing that I had a {$0.00} balance on the new Amazon Prime card, I did not pay anything for several months.  The result was in  XXXX   XXXX  I was reported to several credit reporting agencies. I contacted  Chase and disputed the item through  XXXX . Chase ( which runs the Amazon Prime Chase card ) is refusing to fix the situation, claiming that as long as there was a charge on the account, and it was n't pa id, that this is the end of the discussion. I also should point out that I do not live at the address in which the bills were purportedly sent - I live in a new apartment. I suppose that is my fault for not updating my address, but I did not have actual knowledge of the bill. The result of all this is my credit has dropped by  XXXX  points while I am applying for a new job and it could affect my ability to make major purchases, such as a new apartment  in the County where  I am trying to get the new job. I am very upset and I do not know how to deal with this short of suing people under the Fair Credit Reporting Act. I have n't submitted any documents to anyone, but I suppose I could find things to support what I am saying. However, Amazon has most of the documents here. I have now paid the balance, but my credit is busted and it will take years to go back up  XXXX  points. Can you help me?

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/14/2017 about Student loan (Non-federal student loan) with National Enterprise Systems, Inc. (PR).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I am currently in default regarding my private student loans, I have XXXX different loans, serviced by different providers. One provider has contacted me through a debt collection company called National Enterprise Systems. 
The person on the phone was extremely rude in regards to my situation, had no regard to what I was explaining. The person threatened me and my co-signer regarding the debt. The person insisted I call him back within the hour with a solution to my debt. They are pressuring me to put the amount owed in a personal credit card to resolve the issue when I have XXXX credit. 
They insist on this option and no other means to resolve are provided. They told me I needed to call my co-signer that instant and give them an answer within an hour or else they would personally call the co-signer, my father, who is an XXXX man and is retired. The person was rude and insensible. 
I am XXXX and my current salary is XXXX, I would be better off working as in a supermarket, I have XXXX kids in school and am barely getting by. I know the debt needs resolving, buy am not going to accept that kind of pressure.

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: This has been ongoing situation since XXXX. I have a direct student loan from attending XXXX XXXX which I have been paying 2x monthly but none of those payments are being applied. 

I also have a XXXX XXXX loan I have been payment with the same frequency and amount while I was attending XXXX XXXX. All of my payments have been going to XXXX XXXX none of the payments designated for my direct loan have been applied to to my direct direct loan. 

This amounts paid toward direct loan are 1- 1 1/2x the monthly minimum payments that should have my direct loan ahead/current. This is not the case. It has me as 6 months delinquent with added late fees. 

So because of this my credit report show me delinquent on both XXXX XXXX XXXX with increase to both loans with interest/late fees applied to both. 

Navient can not offer my an explanation as to why despite different account numbers all payments are only being applied to one loan I have been making these payment electronically via bank

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Bank account or service (Other bank product/service) with AMERICAN EXPRESS COMPANY (TX).
Issue: Making/receiving payments, sending money

Complaint: I noticed a charge for {$170.00} on my american express bluebird card from my health club. I went to the health club and the manager said the charge was a mistake and was based on some old paperwork that had a one time payment on the bluebird card. The manager refunded my money and gave me a receipt for the refund. American Express however will not release the funds, which I desperately need today to pay my electric bill, for 8 days. I did n't do anything to incurr this charge and I promptly addressed it when I became aware of it. American Express Bluebird however refuses to help me or even give me an email contact where I can describe the issue. It appears that American Express Bluebird Cards are being marketed as an alternative to banking when it is not. The money in a bluebird account is not secure and any merchant mistake can cause the consumer to lose all access to their money for 8 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 10/24/2015 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (MD).
Issue: Managing, opening, or closing account

Complaint: This is to address the issue that is still on going with Rush Card. I have been dealing with this very unfortunate situation and have since lost my Satellite TV service, my car insurance is threatened to lapse in a day, and I had to borrow XXXX to pay my cell bill that had been given a XXXX hour extension due to this outage. I do not who told the commission that this issue was fixed but I 'm here to tell you that today XXXX/XXXX/2015 @ XXXX XXXX Est. That issue is still ongoing. I hope they will compensate peole for reconnection charges that we will be charged this is the most horrific experience I have ever had to endure with any financial institution and for them to tell clients they have no idea when this issue will be resolved is ludicrous. People are being evicted, losing daily home resources such as power and telephone services this is really really bad and I hope that something is done to assure this wo n't happen again. My son sure would appreciate it after he had to miss his home coming because we could n't purchase his anything not even a haircut. I 'm very disappointed and I hope they pay for all that we had to endure.

Company response to consumer: Closed with non-monetary relief