milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/29/2015 about Prepaid card (Payroll card) with Empowerment Ventures, LLC (GA).
Issue: Unauthorized transactions/trans. issues

Complaint: Could n't use card with my payroll on it to pay my bills and buy things that was needed for home, i had late fees to pay and my phone was disconnected because of rushcard

Company response to consumer: Closed with monetary relief
Consumer complaint received 03-07-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I have my monthly payment on the loan ahead by 1 month for the past almost 6 years ... i wanted a buffer of at least 2 months ahead in case of an emergency where we could not pay. 
received a letter from the bank saying they applied my payment elsewhere. I do not receive my statements in a timely fashion and have complained 2 times. the document said check my statement to see where the payment was applied. ... i have a receipt for where I DEDICATED THE MONEY TO ... .UNDER MY CONTRACT I HAVE THE RIGHT TO PAY OFF EARLY ... there is NO STIPULATIONS on how it is done ... ..bank of america has broken our contract. When entering into a contract BOTH PARTIES MUST ABIDE BY THE TERMS SET ... .you can not change the rules to the GAME when the game is in process ... ..unless both parties agreed. ... ..

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 01-10-2018 about Payday loan, title loan, or personal loan (Installment loan) with CNG FINANCIAL CORPORATION (WI).
Issue: Charged fees or interest you didn't expect

Complaint: XX/XX/XXXX I TOOK OUT AN INSTALLMENT LOAN FROM XXXX XXXX FOR {$3200.00}. 
I WAS INJURED AT WORK XX/XX/XXXX AND ENTERED INTO A REPAYMENT PLAN IMMEDIATELY W/GREENPATH FOR LOWER PAYMENTS. ON XX/XX/XXXX I OWED XXXX XXXX XXXX {$1600.00}. XXXX XXXX XXXX ACCEPTED THE AGREEMENT WITH XXXX BUT SINCE THEN I HAVE GOTTEN MORE THAN 7 DIFFERENT BALANCES OF WHAT I OWE FROM BOTH PARTIES W/O THE BENEFITS OF ANY MONTHLY BALANCE STATEMENT.THAT REMAINS CONSISTENT. BEING FRUSTRATED WITH BOTH COMPANIES I DECIDED ON XXXX BREAK I ADDED UP HOW MUCH I PAID TO THEM SINCE MY INJURY AND REALIZED I OVER PAID XXXX XXXX XXXX YET THEY ARE STILL SAYING I OWE THE COMPANY MONEY. I CANT LIVE LIKE THIS ; I NEED TRANSPARENCY AND TO BE CLEAR ON HOW MUCH I OWE AND NOT CONSTANTLY CHANGING MY BALANCE. I HAVE SPOKEN WITH BOTH COMPANIES AND HAVE GOTTEN NO WHERE, XXXX REP. SAYS XXXX XXXX XXXX  HAVE EVERY RIGHT TO ADD WHAT EVER INTEREST THEY WANT INTO THE CONTRACT. THAT IS NOT WHAT THEY SAY IN THEIR CONTRACT THEY SAID THEY WOULD FOLLOW THE TRUTH IN LENDING ACT BUT THEY ARE CLEARLY NOT. THIS IS EATING AT ME I WILL NEVER FINISH PAYING THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with TD BANK US HOLDING COMPANY (PA).
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: TD Bank has reported a late payment made on a credit card which is incorrect I requested to close the account and I was advised the account would be close immediately. This was false and I was still being billed for an active account I called multiple times to close the account in which TD bank has issued credits for late payment charges due to their error. Once he account was finally closed they reported me for making late payments  on an account that was n't closed due to their service issues. TD bank has acknowledged this information as incorrect and has filed a dispute to fix the error but due to multiple managers involved the dispute was submitted with incorrect information and the dispute was denied. I have been dealing with resolving this issue for over a year and my credit has been impacted negatively because of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2017 about Student loan (Private student loan) with WELLS FARGO & COMPANY (IL).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: My payment wa s ~ {$1100.00} a month from several loans totaling over {$100000.00} ( at the same bank ). I only  earned about {$20000.00} annually and could n't afford to make a payment with rent, food, and living expenses. My cosigner, my grandmother, could n't afford to help because she only earned social security that I was told only amounted to ~ {$800.00} a month.     After the bank soaked up my savings to pay these installments on time, I called them to negotiate a better loan payment that I could handle. I applied to hardship and we were both denied because " we did not make enough money ''. They instead insisted that I find a new cosigner to refinance my loans and that would lower the payment.     Sometime in XX/XX/XXXX  I got the loans refinanced with my parents as the new cosigners. This made the payment lower, but only to ~ {$900.00} a month. I moved back home to not pay rent and save money, but it rose over the course of time and is currently a t ~ {$94 0.00} a month. I still make only {$22000.00} annually and because my parents are also supporting my brother 's education and their own financial monthly payments, th e ~ {$940.00}  a month payment is too much for them to help out with.     So last month  (   XX/XX/XXXX   ) we  tried to work with hardship at this bank again, and today we were denied, but not because " we do n't make enough money '', but because " we make too much money ''. They told us they understand students ca n't make these monthly payments on their loans, so they are more interested in the financial income of the cosigners.     However, they do n't consider the monthly expenses of the cosigners or the borrowers. They look strictly at the income. My complaint is against this bank because they knew that my parents became cosigners on a loan that was n't theirs, without looking at their financial expenses, and assuming they could pay based off their income alone. They have n't been fair to us or our financial situation.

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 02-02-2018 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: Information belongs to someone else

Complaint: I noticed seven accounts which were opened which are not mine on all three 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 11/28/2017 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: XXXX XXXX, XXXX, is the last date I wrote a letter to this credit repository to dispute how incorrectly and inaccurately several items have been reported. Particular incorrect and inaccurate payment history. I clearly informed this company what their 's and the creditor 's violations are and nothing happened. There are accounts that either shows no data or blank in the payment history. Moreover, they are reporting late payments of 60 or 90 days, but there are no prior lates?! This clearly is a violation of FCRA. Informing me that these items had been verified even though the incorrect and inaccurate information still shows. I kept copies of my previous credit report and a new and will not hesitate to get a legal counsel involve if these are not fixed.

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 01/26/2017 about Debt collection (Medical) with Express Recovery Services, Inc. (UT).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was not aware that I had an outstanding debt because the medical facility sent the bill to the wrong address. Eventually, I was contacted by a collections agency about this oustanding debt I knew nothing about. Apparently, after several failed attempts to contact me via mail ( because they had the wrong address ), the medical facility sold the debt to a collections agency, who then contacted me by phone. I provided the collections agency with the correct address and they agreed to send me some information about the bill. I never did receive anything in the mail, but have since noticed a derogatory mark on my credit. I have yet to see any notification or documentation about my outstanding debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Credit Karma, Inc. (FL).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: I have tried the CreditKarma website to check my credit scores. They do not use the same scoring formula used as the 3 credit reporting agencies. My credit score is not accurate with them and gives people false hopes to apply for credit to learn that their score is way lower than what they show. They always list recommendations for your score to apply for certain credit products.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: When my son entered college it was necessary to have a co-signer. The application indicated I would be the co-owner, which I had a problem with. The loan officer said I would not be responsible for the loan " that is just the way the form is created ''. I asked her if I could notate that on the Promissory Note with her name and she said yes. I wrote down everything she said and sign under the notation, not " on the doted line ''. XX/XX/XXXX my son stop paying his loans on a regular basis, then not at all. XXXX XXXXNavient called my phone everyday, so many times that I stopped answering it. In the beginning I would request a copy of the Promissory Note with my signature so that I could explain why I did n't feel responsible. Each time I received a copy with a computer generated signature. 
XX/XX/XXXX, I answered a call from Navient and tried to explain the extenuating circumstances under which I signed as co-signer and that I would be willing to help my son with his loans if they would just send me a copy of the original note so I could have for future reference if the calls started up again. Because she was collections, she said she would issue the request to Customer Services and if I did n't hear from them to contact them directly. I received another computer generated document and contacted Customer Services who inform me that sometimes these documents are lost. I learn last week that it is a Federal Law that the signature page must be provided upon request. I will probably need legal assistance because I kept my word and have paid on this loan for almost a year but I have never received the document I need. I am turning the responsibility back over to my son and hopefully, though doubtful, he will pay this loan. I still need the document to prove my claim but have been unsuccessful. Please help me obtain this document that I believe we help me clear my name. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Payday loan () with Big Picture Loans, LLC (KY).
Issue: Charged fees or interest I didn't expect

Complaint: I took out a loan in the amount of {$600.00} with Big Picture loans. At the time I accepted this agreement, the disclosure was not visible. I was not informed of the 989.6999 % APR rate until after the agreement was signed. I was told that there would be a finance charge of {$210.00} making the total pay off amount {$810.00} not {$4200.00}. I was unable to view the disclosure until after the loan had been processed and funds were delivered to my account. To this date, XXXX/XXXX/2016 I have paid them a total of {$840.00} and my account still shows that I owe them {$810.00}. I was informed by Big Picture that all of my payments went to finance charges reminding you that they informed me that the total payoff was {$810.00} including the {$210.00} in finance fees. 

Big Picture Loans XXXX XXXX XXXX XXXX, MI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (WV).
Issue: Problems when you are unable to pay

Complaint: we had a loan through Wells Fargo purchased XX/XX/XXXX. My husband XXXX in the military shortly after that and while he was XXXX, I had trouble getting Wells Fargo to protect him under the Soldiers and Sailors Relief Act.. Our vehicle was repossessed around XX/XX/XXXX-XX/XX/XXXX. I believe this was illegal due to his XXXX. We were not given a court order. I understand that Wells Fargo is being sued because of this and I want to enclose proof of this. This affected our mortgage process due to the fact we had to explain why it was repossessed. I am also including the credit report stating the status.

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 10/27/2017 about Vehicle loan or lease (Loan) with Peak Acceptance, LLC. (OK).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XXXX XXXX I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Untimely response
Consumer complaint received 09/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I had an arrangement and kept it to pay off the loan with XXXX XXXX. It is still showing on my credit report as a judgement.

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 03/23/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with LINEBARGER GOGGAN BLAIR & SAMPSON LLP (SC).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Company refuses to validate the debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2016 about Debt collection (Medical) with Choice Recovery, Inc. (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: CHOICE RECOVERY INC I have a a unverified account from. I had previously disputed this account. I have never done business with CHOICE RECOVERY INC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt CHOICE RECOVERY INC purport I owe. I request that CHOICE RECOVERY INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: Hi, we are in the worst Catch-22 that I have ever heard of. My wife and I bought our home in XXXX in XXXX XXXX financing our purchase with a mortgage from XXXX Mortgage. Early in XXXX, the mortgage rates had come down so we re-financed with XXXX XXXX XXXX. All was fine and in XXXX we paid off our mortgage. Hooray! We retired two years ago and we are relocating to XXXX. We are selling our home in XXXX and have movers coming on Tuesday XXXX XXXX, the same day as our closing. Our buyers ' title search discovered a lien from XXXX Mortgage, saying that we owe them {$250000.00} from XXXX! It is hard to figure whether it was XXXX ( bought by Chase in XXXX ) who were negligent for not releasing the lien, or if it was XXXX XXXX XXXX 's fault, but both institutions do n't have records going that far back and neither can provide a solution to this nightmare. ( Chase says they must have a XXXX XXXX document from XXXX XXXX XXXX and XXXX XXXX XXXX says they do n't have it and can not create XXXX. ) So we can not sell our house until Chase discharges the mortgage but XXXX can not provide the document that Chase says they must have. It breaks my heart that our buyers might be left out in the cold on XXXX XXXX, but if the money can not be released to us ( the lawyers will withhold {$370000.00} until the discharge of mortgage is filed ), then we ca n't turn over possession of our home. It may take months or years before Chase creates and files a mortgage discharge document ... .no one knows how long it might take. We have the deed. We have spent hours and hours on the phone as well as several hours in our local XXXX XXXX XXXX and Chase branches. We are just XXXX. XXXX our XXXX XXXX is insanely high ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Kimball, Tirey & St. John LLP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XXXX 2014, an Unalwful Detainer ( UD ) Stipulation Judgement was entered in the XXXX Court XXXX California in which the parties involved Real Estate Asset Trust represented KIMBALL TIREY STJOHN as Plaintiff and XXXX XXXX & XXXX XXXX as Defendants. The agreed terms in the stipulation was that we would not owe anything if we vacated the property on the agreed date. We kept our end of the agreement, but then the representative for the Defendant has been trying to collect from us since 2014. We believe their actions are fraudulent at best and would appreciate if the collection records entered in our credit record be deleted. They have no right to collect according to the XXXX. We have disputed this item KIMBALL TIREY STJOHN Account Number : XXXX with XXXX numrous times and they seem to be in cohort with the Plaintiff. Please help us remove this item from our credit history, it is damaging anf has been preventing us from moving forward with home obtaining credit lines, home purchase, etc

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Debt collection (Other debt) with Merchants Credit Bureau, Inc. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I do not have a lawfully binding contract with this company. I do not consent to any contract with this company. There is no contract that exist and there is no debt that exist. I have been in contact with this company on several occasions to resolve this issue. Please note letter from company dated  XXXX   XXXX  where the entity clearly states that there is NO CONTRACT that exist! If there is NO CONTRACT, then there is NO DEBT! This is abusive, fraudulent and unfair debt collection practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (MA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had submitted a complaint about Ally Financial with your company back in XXXX and was sent notification that the late payment from XX/XX/XXXX was removed from my credit report in XXXX. Upon pulling my credit report XXXX is showing that I have XXXX accounts with Ally ; one with the late payment removed and current, the other still showing a late payment and with no record of payments after XXXX. I submitted a dispute with XXXX  over a month ago to remove the duplicate out of date account and still no word. But since I did that dispute my account with Ally changed again on my XXXX report, showing a late payment from XX/XX/XXXX and is out of date also because it does not show any of the current payments I have made since XXXX. The problem with XXXX is that it does not even have the duplicate accurate account that XXXX has. When I pulled my credit in XXXX my XXXX was accurate then changed 2 weeks later.

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 03/31/2017 about Student loan (Non-federal student loan) with SIMM Associates, Inc. (SC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: A debt collector reached out to my brother in law, who I 've NEVER listed on a loan application as a relative, etc. requesting my contact information ( which they already have ). They explained that they were trying to contact me, or my father, and indicated that they are attempting to collect student loan debt. My brother in law has NO business knowing my personal financial matters, and the debt collector has no business reaching out and harassing him, on behalf of my personal finances.

Company response to consumer: Closed with explanation