milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (IN).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Franklin Collection Service , Inc. hereinafter referred to as ( " FCS '' ) did not provide me with a Debt Validation Letter and subsequently placed their unauthorized and impermissible collection account on my credit bureau record ( XXXX, XXXX and XXXX ). I have requested for a Debt Validation Letter from FCS to no avail. FCS is in violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. I respectfully request for the CFPB to instigate an inquiry into FCS accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
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: Equifax deleted my chapter XXXX after i put in a complaint with cfpb then put it back on my report after

Company response to consumer: Closed with explanation
Consumer complaint received 01-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: Wells Fargo auto dealer services has been reporting badly on my credit report with a 90 day late payment for over seven years. They keep updating the accounts so it looks like it just began with no end in site when this account will no longer be on my credit report. The car is paid off had been for 10 years now. The credit reports doesnt even have an end date or reporting for these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2015 about Consumer Loan (Installment loan) with SYNCHRONY FINANCIAL (MI).
Issue: Problems when you are unable to pay

Complaint: I think Synchrony Bank are greedy leeches. After I told them that my account was compromised., They still closed my account of many years. Now I will not apply for any Synchrony Bank stores.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are many mistakes appear in my report without my understanding.

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 04/13/2015 about Mortgage (Conventional fixed mortgage) with TIAA, FSB (IA).
Issue: Loan servicing, payments, escrow account

Complaint: This complaint is about Everhome MortgageOn XXXX XXXX they recieved a check which stated to be applied to principal of {$50000.00}. 
on our home. Instead of doing that they put aprox. {$47000.00}. on it put the rest in escrow and payments ahead.the balance after they received it the balance should have been {$100.00} I asked on XXXX I believe about the XXXX what the payoff was and wired aprox! XXXX. for the payoff I never paid attention to the amort schedule before.after arguing with them they said they would send XXXX back it is now the XXXX of XXXX no check after reviewing the schedule I also noticed they reduced my escrow and charged full interest for that month I am getting nowhere with these people

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Debt collection (Other debt) with Radius Global Solutions LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Im am a XXXX XXXX XXXX minor and am getting called everday by a company who claims to be a debt collector for a balance i do not owe

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 02-10-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (OR).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have had a XXXX XXXX with Barclsys for 4+ years and pay the credit card balance in full every month. 
I recently made my most recent payment ( balance owing ) on XX/XX/XXXX. 
Since that time, the payment has continued to show as pending and has not pulled from my checking account. 
I called again ( for the 8th time ) on XX/XX/XXXX and was instructed by the CSR that we should cancel the old payment and make a new one. I took their advice and made a new payment and received confirmation via email that it was pending. 
I called today, 3 days later and it still shows pending. 
I them waited on hold for 15 mitmutes and transferred to a Manager who then put me on hold for another 15 minutes and finally came back on the line.

I was then told my latest payment from XX/XX/XXXX had to be cancelled to work out a system glitch and I received no notification about. In fact, if I had not called in ( for the 9th time since XX/XX/XXXX ) I would not have found out my latest attempted payment was not processed. 

Ive been with this company for over 4 years, pay my balance in full monthly and would be considered an excelkevt customer. To be treated this way with zero accountability on their end is completely unacceptable.

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 03/22/2016 about Credit reporting () with Clarity Services (OK).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Clarity Services has been giving, trading or sharing information on my credit report without my written consent as required by the 1974 Privscy Act. I tried to file a dispute with Clarity, but the website had no place to file a complaint. So, i am here to do so. I recieved a copy of my XXXX credit report on XXXX XXXX. I noticed there were XXXX inquiries on my credit report by Clarity and called the phone # listed. I got a message to leave a voicemail and someone would return my call. I did so, but nobody has reached out to me yet. Today i got my Experian credit teport and again XXXX inquiries not authorized by me. Thete are XXXX, by another company, XXXX from another company. Some one has to stop this. In todays world it seems we need a better way of credit reporting. And i for one think that we need to start from top and totally revamp what appears to be an outdated and corrupt system. I am fighting tooth and nail to get things off my credit report that are wrong, or left on for 6 yrs after they were told to take them off. Something needs to be done and fast.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CCS Financial Services, Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from from XXXX regarding a debt I owe. I responded back informing them to validate the debt and provide the following : provide a license authorizing them to collect the debt and Proof of unbroken chain of title from ( XXXX ) to ( CCS XXXX ) authorizing ( CCS XXXX ) to collect alleged debt. 

If debt was purchased from ( XXXX ) by ( CCS XXXX ) provide proof of purchase and the amount that was paid. 

I have yet to receive the requested information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NJ).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have a private student loans from XXXX transfer to Navient from 2009 till this present and have been paying ever since. XXXX told me this private loan that I will pay for 10 years and yet till now that my loans were Navient, and have notice from those time till now that my loans that I 've been paying is really not getting lower and also and interest is going up drastically without proper consent to me. And which is also difficult and burden to my payments every month. I have felt all those years I was mislead by this Company. whenever I miss a payment operators have always call me day and night non stop which I feel I was harass for most. I have tried to reconsolidate my loans to other companies but I could n't cause of my bad credit of late payments within this company and feel that I 'm stuck with this debt for a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2017 about Payday loan, title loan, or personal loan (Title loan) with Advantage One Credit, LLC (CA).
Issue: Can't contact lender or servicer

Complaint: I 've had the title loan with Advantage one credit for about 3 years now. It was almost paid off! I have agreed to a final payoff of {$1200.00} ( 3 payments ) in  XXXX  2017. The 1st payment was made.
Since then the car was wrecked and I have   XXXX   XXXX   and a settlement was agreed to.
The problem is that Advantage One credit that is on the title for the car has gone out of business and is no where to be found. Very disappointing since I need release of the title to get the settlement from   XXXX   for the car.
Advantage One credit is a   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   in Oklahoma. They have answered the phone but have not been helpful to this point.
 XXXX  is trying to get closed but will not until we get the title for the car figured out!

Company response to consumer: Untimely response
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
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: After carefully reviewing my credit report for inaccuracies I noticed several accounts reporting innacurately and contacted   XXXX   via Postal Mail. I contacted them about information that was inaccurate, they 're reply was that the information was verified and would remain on my credit report. I wrote them again requesting the method they used to verify. Which under FRCA is my right to do. They replied for me to contact the credit agency listed. I contacted them AGAIN, for the THIRD time requesting the method they used to verify and instead of furnishing me with the information they updated a comment on my credit report.  Four  months later I still have no method of verification for the following items  XXXX  #  XXXX ,  XXXX   XXXX  #  XXXX ,  XXXX   XXXX   XXXX  #  XXXX ,  XXXX   XXXX  #  XXXX    XXXX   XXXX   XXXX   #  XXXX .   XXXX   needs to furnish me with the documents requested or delete these accounts from my credit report!!!!!!

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 05/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with FIRST NATIONAL BANK OF OMAHA (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Account was not verified or  Consent  was not givin prior to reporting under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (DC).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On XXXX XXXX, XXXX, I applied for a XXXX XXXX  Rewards credit card from Chase Bank. I applied for this card after clicking on an online advertisement ( to the best of my recollection, it was an ad on XXXX ) offering a promotion for new card applicants to receive XXXX XXXX Rewards bonus points if they spent {$2000.00} in the first two months of using the card. 

I remember the terms very clearly because it was the *only* reason I applied for this card. I already have three other credit cards and had no need for a fourth, but these terms were attractive enough to entice me, in part because I travel often on XXXX and was about to book a flight that would put me near the {$2000.00} spending requirement. 

I applied for the card and was quickly approved - I booked three round-trip flights for my family the same day. I received an email from Chase with the terms of my card agreement, but nowhere in the documents did they confirm or explain the terms of my promotional deal. 

Over the next two months, I made a point to continue spending with the card to ensure I reached the required {$2000.00} threshold. I also continued to see advertisements for similar deals, promising big bonus points for signing up for a new card. ** I waited for the points to post to my account, but they never did, so I called Chase Bank today. 

A Chase customer service rep told me that the deal I had in fact signed up for was much smaller : only XXXX bonus points if I spent {$500.00} in the first month, plus a {$200.00} credit on my statement. The Chase representative said I may have clicked on the wrong offer inadvertently, but I do not recall at any point seeing those terms offered as an alternative to the much larger deal. That would not have been enough to entice me to open a new card I did not need. 

She also offered no explanation for why I would n't have been eligible for the bigger reward, which was certainly being offered at the time I signed up. Instead, she said there was nothing she could do. 

I believe Chase used unfair and deceptive tactics to earn my business, and is now refusing to honor what I believe I am owed, despite my being what I consider a model customer - paying my bill on time and continuing to regularly use the card. 

**I have attached a copy of the card agreement I received from Chase, with no mention/explanation/confirmation of any reward terms. I have also attached an email from earlier in the year with an advertisement similar to the one I recall seeing many times and eventually clicking on. The image in the add is the XXXX XXXX Rewards Plus card, the same card I now have.

Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Frauding scams frauding my credit file of XXXX XXXX XXXX of XXXX XXXX Indiana of XXXX ( XXXX ) XXXX XXXX of XX/XX/ Frauding scams using my documents attached to XXXX XXXX XXXX of XXXX XXXX Indiana and XXXX XXXX XXXX XXXX and XXXX county XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

Frauding scams using XXXX ( XXXX ) XXXX XXXX XXXX XXXX documents of XXXX Indiana Frauding scams 5 great lakes towns wide frauding using my credit file by others resterants franchises tore into my documents and groceries stores tore into my documents frauding my credit files 50 states frauding using groceries stores frauding my credit files using XXXX XXXX products and Brand advertising and XXXX marketing Frauding scams using resterant diners menus frauding scams using XXXX XXXX. 

Frauding scams using retailers business and clothing store and clothing franchises used XXXX and XXXX Frauding scams using chruch groups and pasters frauding my documents Frauding scams using auto stores Frauding scams using medical records Frauding scams using XXXX auto and XXXX auto Frauding scams using XXXX factory and XXXX factory and XXXX factory frauding my aunt XXXX XXXX XXXX XXXX XXXX Indiana Fraud IDs scams frauding my XXXX XXXX in IA Fraud scams using XXXX factory in others states fraud XXXX Indiana Frauding scams frauding using XXXX factory in Florida frauding my family 's sir name documents of XXXX or XXXX XXXX XXXX record 's Retailers store 's business permits sounds like my documents Using XXXX sounds like XXXX and XXXX XXXX and Brand advertising and Brand marketing XXXX XXXX department stores sounds like XXXX my birth certificate of XXXX XXXX XXXX of XXXX  XXXX Indiana Frauding scams using XXXX XXXX XXXX of XXXX Illinois Fraud scams using XXXX auto off my XXXX documents Frauding scams using XXXX auto. 
Frauding scams using XXXX auto Frauding scams using XXXX as business permits and products and towns frauding my XXXX XXXX XXXX documents of XXXX  XXXX Indiana Fraud scams using XXXX court building in XXXX and XXXX IDs Frauding scams frauding my documents in XXXX California in subdivisions using XXXX and XXXX and XXXX and XXXX XXXX scams using XXXX IDs and business permits frauding using XXXX birth certificate

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 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: This morning I checked my credit report with XXXX and Santander Consumer USA is still showing on my credit report. They show a balance of {$11000.00} and this is old information dating back toXX/XX/XXXX. I see that the account # they use is XXXX. And the date they reported was XXXX. 
The date is wrong for when the vehicle was purchased and the car was wrecked totally and was not able to be salvaged. GAP insurance paid Santander along time ago ; so all information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2015 about Mortgage (Other mortgage) with PENNYMAC LOAN SERVICES, LLC. (VA).
Issue: Credit decision / Underwriting

Complaint: I Was notified XXXX was selling our loan to Penny mac. We were contacted by penny mac saying Welcome .also to let us know we were available to receive a streamline loan and save us money! I made it clear ... sure if our payments were lower and no money out of our pocket. The gentlemen which we do have the name of assured us after some time yes he could save us about XXXX a month and nothing out of our pocket. We gave an application over the phone and sent XXXX dollars. 
After much back and forth ... ..A confirmation was sent saying good to go ... .there would be about around XXXX. closing cost for us. ( Please do not quote the amounts I am giving you ballpark ) I immediately contacted them and said NO you said nothing out of our pocket, cancel the loan. 
They said they would get back to us ... ..came back and said good news payment saves almost XXXX bucks a month and no closing. We closedOur first payment was due and there was another fee as well after calling Found out no taxes for escrow were ever accounted for. We were already next month going to be XXXX in the red for our escrow acct. They say they are going to up our payment to cover XXXXdivided by XXXX.I am not well and I certainly would never refi. to pay a couple of XXXX more! Rate no lower, payment higher this is predatory lending. We need help! We also feel strongly that we were discriminated against because we are both XXXX. We want to reinstate prior loan w/same payment. We are in fear of losing our home The XXXX of this matter is starting to further affect our health. 
Thanks XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 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: For 6 months now I have been sending my financial info, along with my cosigners info, in to the office of the customer advocate. I am struggling financially right now to even put food on the table let alone catch up on late loans and pay {$450.00} a month. I keep being told different information about what is and is not an option. My payment was lowered at one point to {$200.00} for a month, I was told it would be permanent. I thought it was a miracle. Then a month later it was doubled and the person I spoke to fell off the face of the earth now Navient is calling me 6-7x a day demanding payment. Telling me to get a XXXX job. They are making my life XXXX. I 'm hoping the attorney generals office can help because no one at Navient seems to care about anything other than threats.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Debt collection (I do not know) with Hunter Warfield, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: ( Hunter Warfield Inc ), continued attempts to collect debt I do not owe.
I have disputed ( Hunter Warfield Inc ),   account number  XXXX  because the debt is not mine with the  XXXX   XXXX  credit bureaus on  XXXX ,  2017 ,  XXXX ,  2017 . But to no avail the item remains on my report an d ( Hunter Warfield Inc ), has not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2017 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed a chapter XXXX dismissed bankruptcy with experian. The investigation came back as verified. I received a letter from the court explaining that they DO NOT report to credit bureaus and therefore must be deleted.

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 01/16/2017 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: Citibank is promoting a bonus offer with the opening of a new checking account. The terms state the bonus will be deposited within 90 days of completing all requirements. I have completed all requirements but have not received the bonus. It is well past the 90 days since I met all requirements. I am submitting a second complaint as Citibank requested my original complaint be retracted.

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