milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2016 about Debt collection (Payday loan) with Cottonwood Financial Ltd. (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I took out a cash advance to help a financial hardship for XXXX. The interest was 500 % so I opted to go through a payday loan consolidation company after I made the first payment. I called the cash store a few days before my due date and let them know that they payment would not go through XX/XX/XXXX and the consolidation company would be handling their payment within the next few weeks. I explained they would be paid but I had to open a new account for the consolidation company to draft from. They have still called my every day multiple times @ home, my cell and work after I have already been told they see the notes on my account regarding the consolidation. At this point they should be only contact me through the mail. I also emailed their corporate office under contact us prior to the debt going into default but no response was received.

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 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: on XX/XX/XXXX equifax shared that my personal info may have been impacted by their data breach. it offered credit monitor & lock services via trustedid premier wensite that has no working contact phone. i called and it hung up on me midway stating it wasnt able to process my request. its website continued with outages. it 's XX/XX/XXXX & i still dont have my credit file locked due to their site outages & repeated " 48hrs wait '' delays. i want equifax and trustedid premier to be proactive and take responsibility for what they have created

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a payday loan that is currently now being reported to my credit. I have tried disputing the error with XXXX and they stated that the it meet the FCRA requirements. I never recalled getting this pay day loan in my name and this should not be reported to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 05/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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 noticed in XXXX XXXX that a hard Inquiry was made for a XXXX XXXX  credit card that I had NOT solicited. I have already called bank various occasions, complained about it, they checked, verified that whoever did solicited a credit card was not me, said they would report to credit bureau ( Trannsunion, XXXX, XXXX, but nothing has change. That was XX/XX/XXXX. But already it had happened before on XX/XX/XXXX. II  always tell XXXX to write down that I have not and will ot apply for a credit card with them, whoever does will NOT be me. It never is taken off my credit report. I did NOT solicited a credit card with XXXX XXXX. Please help me out here.

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 03-07-2016 about Student loan (Federal student loan servicing) with NELNET, INC. (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I was in forbearance and they are reporting 90 days delay in my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Mortgage (FHA mortgage) with LN CAPITAL CORP. (NY).
Issue: Application, originator, mortgage broker

Complaint: I have been helping client of mine with a mortgage application and working w XXXX Mortgage has been nothing but a nightmare come true, starting from their representative to their processing and underwriting. In my past 15 plus years experience I have never dealt with people more unethical and nothing but bunch of non experienced bunch of nobodies.

Company response to consumer: Untimely response
Consumer complaint received 06/16/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have had a XXXX XXXX XXXX Now Navient XXXX loan since XX/XX/XXXX that I have been trying to work with the lender to pay off. I have called XXXX XXXX numerous times to inform them that I needed modified options to pay XXXX which they did XXXX ) or different programs offered in order to find a way to pay my student loan. I have explained many times that due to my husband being military and I not working ( yet seeking employment ) we did not make enough to cover costs of living. My mother is the co-signer on the loan, but refuses to help in any way possible. I am trying to manage the loan and have argued for rehab options on a now defaulted loan in which no one will help. They want the full sum. While I understand to terms and conditions, I am trying my best with what I have and offering to give only what I can. I have been in school since XX/XX/XXXX trying to obtain a degree in fields where I know I can find work. My husband left XXXX to be with his family because he was being XXXX constantly. We ended up taking a huge pay cut which in turn made our finances even harder and drained our accounts trying to keep our finances at bay. We are living pay check to pay check trying to keep on our feet. I finally have obtained a job after moving back to our home state and are currently living with relatives because we can not afford to even rent. The pay is n't good, but it 's a start. My husband is currently starting a new job which should help with the finances as well. The military service does n't offer help in our situation as we have looked. My husband did apply for his XXXX benefits, but that is taking too long and the money that was supposed to help us is not even being sent to us as of yet due to the time taken to process the paper work. We are financially stuck and our only option at this point is to file bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: Interest rate was lowered from 6 % to 1 % and applied retroactively. However, the payments went purely towards interest and not principal, as I as instructed they would. Also, XXXX the manager who handled my claim mistyped my bank account number to where it was showing XXXX withdrawals even though I was on autopay and did n't change my account information. I requested a formal letter of the transaction history and where the money went a week ago with no response. I 'm currently on the phone with a rep who said, " I will hang up this phone '' with no answer to where the additional money went to.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
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: ON XXXX XXXX 2016 I NOTIFIED THE CREDIT BUREAUS AND FRAUDULENT ACCOUNT CREDITORS OF THE FRAUD. BOTH PARTIES ARE IN VIOLATIONS. 
1. 18 U.S.C. 1028 2. 18 U.S.C. 1029 3. 18 U.S.C. 1030 4. 18 U.S.C. 1341 5. 18 U.S.C. 1343 6. 18 U.S.C. 1344 I NEED THE CREDIT BUREAUS TO SHOW 100 % PROOF THAT THESE ACCOUNTS ARE MIND OR REMOVE THEM ASAP

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 11-09-2015 about Debt collection (Medical) with ProCollect, Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Pro Collect has reported XXXX accounts two times each

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2015 about Consumer Loan (Vehicle loan) with DriveTime (WY).
Issue: Problems when you are unable to pay

Complaint: Drivetime account number XXXX ... .has illegally reported on my XXXX as the account is not mine. I contacted XXXX and notified they are in direct violation of FCRA and legal action will be taken against them. XXXX and Drivetime both have failed to provide proof the account belongs to me. I need to have CFPB notify both XXXX and Drivetime about this and remove it from my credit file as XXXX has failed to remove this account per law.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (MD).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX, which i am a curent customer in good standing had a billinng glitch when we moved to our new house 4 years ago. 

we eventually paid it but ever so often it pops up that we are delinquent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-12-2015 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I am a subscriber to all XXXX agencies, and Equifax has continually and repeatedly investigated and returned results that are proven to be inaccurate. I have disputed credit inquiries to Equifax resulting from an auto dealership submitting my information to XXXX banks without my authorization or approval. Each time, Equifax allows me to either enter that the inquires are " unauthorized '' or " fraudulent ''. Within a day or so, they come back and tell me that they 've verified the information is correct. I 've also tried to contact them directly, with Managers & Supervisors in the dispute department telling me to contact each of the creditors direction and ask them to remove the item. I 've done that, but it 's almost impossible to get any of these creditors to even acknowledge they had a form submitted in my name, much less - they wo n't admit to any wrong doing, since the request came from a car dealership and they think it 's legitimate. I 've contacted the dealership that sent out my credit file by mistake and they 've provided a letter back to me asking & authorizing for the removal of all entries associated with their dealership on XXXX/XXXX/2014. I 've provided that letter to Equifax and they still refuse to remove the fraudulent and unauthorized inquiries. I 'm out of options and I can not think of anything else I can do other than seek legal action against Equifax until this is resolved. In addition, this company has me doing work and effort to correct mistakes that have been already admitted to by the dealership that did the damage. This is effecting my credit score and I need help getting this corrected as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account was paid in full before leaving with this company. I do not understand why they are putting this account on my credit file. Please have is account removed immediately. The account information is XXXX Account # XXXX XXXX {$390.00} XXXX and Acct # XXXX XXXX {$190.00} XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2016 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Account opening, closing, or management

Complaint: I had an investment account with XXXX, they were bought a while ago by Capital One. I have been unable to access my account as they throw up roadblocks every time I try. I just want to close the account. Their most recent excuse is my email address contains the word junk. This is my email address ( XXXXXXXXXXXX ). They send me emails all the time at this address. I have attached XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: My card was stolen and there were unauthorized charges of XXXX and XXXX. I filed a police report. Called to give them the police report and asked to speak to a manager he basically told me the cops would n't help me. And they were n't going to look at the tapes when the officers told me they would, and stated they do not get involved in civil disputes even though I have no clue who stole my card. He was talking over me. The previous rep stated that once I obtained a police report they would re open my case in which this manager refused to do so. I do n't feel I should be charged when my card was stolen and to be treated like a liar was very disrespectful

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: I applied for American Express Platinum card in XX/XX/XXXX and finished the minimum spending requirement of {$3000.00} in XX/XX/XXXX. The welcome bonus XXXX membership rewards were deposited into my account in XX/XX/XXXX. However, when I tried to transfer membership rewards to my Delta Skymiles account on XXXX XXXX. I was unable to do it. So the following day I called American Express and was told that {$200.00} spending was not counted towards the minimum spend because it was reimbursed as airline credit. The {$200.00} airline credit is part of benefits of the American Express credit card, and I can enjoy it because I have paid annual fee {$450.00}. I also checked terms and conditions of the card, and it says the following. 
Qualifying purchases can be made by the Basic Card Member and any Additional Card Members on a single Card account. The following charges do NOT count towards the Threshold Amount : fees or interest charges ; balance transfers ; cash advances ; purchases of travelers checks ; purchases or reloading of prepaid cards ; or purchases of other cash equivalents. 
From the statements above, it does n't exclude airline credit reimbursement so I do believe that American Express can not use {$200.00} airline credit reimbursement not counting towards minimum spend as a reason for reviewing my account and result in such inconveniences and hassles to me. I am writing to get all my membership rewards points UNFROZEN. 
I view each point of membership rewards around XXXX cents, so a freeze of XXXX membership rewards points is around {$2000.00}. In other words, my loss is around {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: To : Consumer Response Center, Room XXXX, Federal Trade Commission,XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXXTo Whom it may concern ; I am writing to seek your help with a Mortgage Creditor ( Greentree/Ditec ) that refuses to report accurate consumer information and ask for your assistance. My wife and I have exited a CHXXXX Reorganization Bankruptcy XXXX XXXX. XXXX, which was closed over one year ago XX/XX/XXXX, as evidenced " Order Entering Final Decree and Closing Case '' .. 


My wife and I fell into hard times during the Real Estate debacle XX/XX/XXXX. We filed for CH XXXX Reorganization to save our house and to hopefully begin to rebuild our credit. Now 6 1/2 years later, they refuse to report our impeccable payment history as required by the FCRA and Bankruptcy Rules. They state the account is Closed, " 0 '' balance and bad payment history. Not the case as we have a balance, and have an impeccable payment history over the last 6 1/2 years. 

Over the last 1 1/2 years, we have sent dozens of letters, phone calls and faxes, and providing proof of the closure and providing the " Final Decree '', and requesting they report our mortgage account to the credit bureaus. On phone calls, they simply state that they " can not '' report our account to the bureaus until the Attorneys approve it. We are unable to speak with the Attorneys. 

This is not a frivolous matter, and their refusal and inaccuracy is robbing us of the ability to gain any credit, which is the life blood of every single consumer. We wish to purchase another home, but lack of published credit prevents it. We ask that you assist us with this matter and demand that they immediately report our credit file to the credit bureaus. Below is the Company/Account information. 

Greentree / DitecBK Dept. XXXX x XXXXAccount / Loan # Loan # XXXXProperty Address : XXXX XXXX XXXX XXXX XXXX AZ XXXXThank you sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/24/2016 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: I discovered that an unauthorized ATM deduction transaction was made from my account. I reported it to the bank. The claim was denied next day. I called the claims department and the representative explained that the transaction was correct because my debit card has a chip technology and it can not be copied by theft. Can you please help me to return my money?

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: I had an account with XXXX and someone went on their website hacked into their website stole my credit card information and my billing information bought something for {$660.00} and when I called my credit card company to report the fraudulent purchase they said they would take care of everything closed the credit card account sent me a new credit card and said dont worry they knew it was a fraudulent purchase and that they would take care of everything now two months later theyre saying that I am liable for this fraudulent purchase

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 12-09-2017 about Money transfer, virtual currency, or money service (International money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Fraud or scam

Complaint: REFERENCE CASE # XXXX Or. Case # XXXX I received the reply from Bank of America but they could do XXXX help me out to recall my money {$8600.00} since it was done by Fraud and Scammed by the recipient, XXXX XXXX XXXX XXXX, which eventually lead me to report this to the local enforcement and the FBI in town here in XXXX XXXX, and I was physically had an appointment to show the FBI the proofs and adviced me to have the bank assist me to contact the other Bank XXXX XXXX in XXXX to investigate the money laundering by the recipient Account # XXXX, XXXX. Bank ID, XXXX. The BANK OF AMERICA MUST ASK TO SOME PROOF FROM THE RECEPIENT BANK TO INVESTIGATE THE ACCOUNT HOLDER ACCOUNT ABOUT THE NATURE OF MONEY AND TELL THEM THAT THE SENDER WAS A VICTIM OF FRAUD AND I STRONGLY REQUEST TO RECALL MY MONEY {$8600.00}. 
I AM LOOKING FORWARD TO HEARING GOOD RESULTS TO THIS MATTER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
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: On XXXX/XXXX/XXXX I submitted an initial dispute to XXXXn requesting an investigation be done on the following accounts. 
XXXX XXXX {$6600.00} XXXX XXXX {$5600.00} XXXXT XXXX {$5600.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX XXXX {$5500.00} XXXX  XXXX {$5000.00} XXXX XXXX {$9600.00} XXXX XXXX XXXX XXXX {$7000.00} XXXX XXXX XXXX XXXX {$5500.00} On XXXX/XXXX/XXXX they sent a response that they would not re-investigate the account unless relevant information. I submitted another dispute letter on XXXX/XXXX/XXXX requesting their method of verification and on XXXX/XXXX/XXXX they submitted the same response refusing to re-investigate the account. The information that is reporting is inaccurate and they refuse to remove this inaccurate information from my report. I know they did not properly investigate these accounts yet they keep stating they did. They have not provided me with how they verified the account, who they spoke with, any documentation they have on file pertaining to these accounts. NOTHING. It is so frustrating that they refuse to properly do their jobs and are purposely disregarding the law. I have sent repeatable letters for them to re-verify the accounts as they are showing duplicated on my credit report as of XXXX/XXXX/XXXX. TransUnion keeps sending me that they have verified the information if they have verified the accounts would not still be showing on my account as duplicates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/20/2017 about Mortgage (Conventional home mortgage) with SELECT PORTFOLIO SERVICING, INC. (IL).
Issue: Struggling to pay mortgage

Complaint: We first fell behind on our mortgage payments when my husband became XXXX and could not work anymore. We had a substantial loss of income in the household. I have applied for home retention options with Select Portfolio servicing several times and they would automatically deny us for loan modification after us submitting hardship letter and the new income. The only option they were willing to offer us was a repayment plan with an unreasonable monthly payment of {$6500.00} which our family can not afford and I have communicated this to them many times. SPS is now taking this to foreclosure court stating that they have tried to offer us a reasonable workout, which they have not. The LTV on the property is at about 40 % and they are not taking into consieration our hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation