milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/22/2015 about Student loan (Non-federal student loan) with The CBE Group, Inc. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: I took out a student for XXXX college XXXX yrs ago they kept raising the tuition so I quit and went to a community college. I started receiving these bills from a collection agent CBE group stating that I owe {$11000.00}, I was at XXXX for maybe XXXX semesters. I tried to work out a payment plan with CBE Group to pay off the loan, they told me I have to pay {$150.00} per month, I told them that was too much I do n't make that kind of money. Upon my first payment they took {$150.00} plus an additional {$200.00} that I did n't authorized. Then they started calling my job all day every day ( I work in retail ) and my cell phone. Now they 're call asking for my XXXX. I refuse to give them my tax return, XXXX, paystubs and other private documents. I 'm on a payment plan with them and I 'm still receiving all these phone calls. Please I need them to stop calling my job and I do n't owe {$11000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2016 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (DE).
Issue: Managing the loan or lease

Complaint: I had a toyota XXXX on lease since XX/XX/XXXX. I was three months behind.I called XXXX to verify a check was being sent out on XXXX for {$670.00} from my church. The guy noted my account. But noted it wrong, said I told him my church was paying pay due amount which would of been {$1000.00}. I never stated that. On XXXX I called to let Toyota know the check was in its way N I wanted to make a payment to being my account current. They said we are only excepting cash through XXXX XXXX or atm ... I said ok I want to pay the XXXX since the check is already in its way. They said no we ca n't except the check you need to call the church to put a stop payment on it. I said excuse me, that 's crazy. She said you should reach out to family and friends for help.So I called my mom got the money its still the XXXX, I call back to make the full payment of XXXX $ the lady said no we are not taking any payments, I said what why not you Told me to call when I had the money, I 'm calling. She then put it in repo status. which is crazy when I was paying with a debit card. I called the next day on XXXX n tried to make the payment thinking I would get someone else nope same person and still would n't take a payment, there was no reason as to why she would n't take the payment. On XX/XX/XXXX my car was repoed I called and asked why they said because you failed to make payments or to bring it up to date with payments. I said excuse need I have been in contact with you since XXXX n before that date ... .. Now they want me to pay the full amount of the vehicle which is XXXX $ Which makes no sense cause I was trying since the XXXX to bring it to a XXXX balance and the customer service reps kept telling me no they not taking a payment ... Now how is this even right too tell someone no if the car want in repo status but then repo the car n ask for the whole purchase price when it 's a lease? I do n't understand as to why I was denied a payment give days straight, I understand I had difficulty paying but it 's not like I totally avoided them I was in contact with them monthly and if not weekly ...

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: In XX/XX/XXXX, I attempted to file an online dispute with Equifax. I answered all of the security questions correctly. I was denied access to filing a dispute online. I attempted to gain access a handful of times and was was again told " my identity could not be verified. '' I decided fine, I will pay for a one time credit report. I was given the same security questions I was provided before. I answered them the exact same way. I was granted access. My credit report was valid for 30 days. Now in XX/XX/XXXX, I have again attempted to file a dispute on my Equifax credit report. I have entered all of the correct demographic information and again have answered the security questions the same way I did before ( accurate based on what is reported on my credit report ). I am again being denied access and being told that I could not be verified. Today, XX/XX/2017 I called and spoke to Equifax. I explained my situation and I also explained that them forcing me to purchase my credit report in order to file a dispute is illegal. The representative told me there was nothing he could do to fix the online access but he can file a dispute for me over the phone. I explained I did not want to file a dispute on the phone, I want my issue corrected online and I would like to file my own dispute online. He repeated again that he does not have access to the online system. I asked him to transfer me to someone in his organization that can. He stated I could n't talk to anyone. I asked for a supervisor. I was transferred to a supervisor. She took my information after I explained my situation. She placed me on a long hold. She told me that all of my information looked correct. She offered to file a dispute over the phone. I again stated that I did not want to file a dispute over the phone. I indicated that I am not having this problem with XXXX or with XXXX. I stated again, I feel like they are forcing people to purchase their report online in order to file a dispute online and I think that is illegal. She stated there was nothing she could do with the online system. I asked to speak with someone who could. She stated that if she transferred me to a supervisor they were going to probably say the same thing. I said to her " I thought I was speaking to a supervisor. '' She stumbled on her words and then stated " if I transfer you to another supervisor. '' I asked her to transfer me. She placed me on a long hold. I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (MA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: I am a XXXX XXXX at XXXX University, XXXX, MA. On XXXX XXXX, XXXX, I became a victim of a scam and identity theft and I ended up losing {$3000.00} in gift card purchase ( {$2500.00} on Barclays credit card and {$500.00} cash ) after being threatened with arrest and deportation. I am a US XXXX XXXX and in hindsight, should n't have bothered to listen to the scammer who posed as the police sergeant from XXXX with all my personal info and convinced me on the phone that I had committed some unlawful act by not completing form XXXX. I filed a police report and referred to the following FTC link XXXX : XXXX which clearly states that in the case of stolen or fraudulent transactions, the user is not liable. As the police report clearly states, this is a case of " Larceny under false pretenses '' since the purchases were done against my will and under the influence of the scammer 's wrong claims. As a XXXX XXXX, I can not afford to spend more than a few hundred dollars each month and so a bulk charge of {$2500.00} should have been blocked by Barclays right away going by my spend history. Despite opening a dispute with Barclays and  sending them the police report, they have declined to regard that and hold me accountable for the {$2500.00}. I would kindly and humbly request you to intervene and help me in this case by letting Barclays know of consumer rights and help recover my {$2500.00} back and try and nab the real culprits. The scam artist made me purchase XXXX gift cards from the XXXX XXXX store in XXXX, MA using my Barclays card. Please note the gift card numbers below : XXXX XXXX XXXX XXXX XXXX The XXXX XXXX store manager was n't able to fully verify if those cards had been redeemed but said there was no way to recover the money or trace the redeemers. Please help! Regards

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 Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted Experian several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 06/21/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I submitted an online request to remove the automobile inquires on my credit report. I sent letters to the credit bureau and was told to contact the actual company. One agent stated they would not hurt my credit report which shows it does. I cosigned for a car but only for authorized XXXX XXXX and XXXX XXXX XXXX XXXX since we have accounts their.

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 04-07-2017 about Credit card () with Alliance Data Card Services (GA).
Issue: Payoff process

Complaint: I have a credit card with XXXX which is financed by Comenity Bank. I purchased several items under an advertised promotion which was 0 % interest if promotional purchases are paid within 6 months. If not paid in full, by the due date then you have to pay all interest that you would have accrued. That is fine. Because I am a compliance professional in the banking industry and understand how these promotions work with payment allocation and the high risk for UDAAP these types of programs create, I checked the balance on the promotional amount after several payments and it was n't being applied to the promotional amount, my overpayments were being applied to the revolving balance. I was paying more than my minimum to pay off the promotional balance but it decreasing the promotional amount. I had to call in and request that my payments were allocated to the promotional amount. There are several consumers I 'm sure who are not aware of the CARD ACT and how these promotional offers work. XXXX and Comenity should do a better job of explaining this to customers because otherwise, most customers will end up paying on the revolving balance instead of the promotional balance.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: an account was opened with XXXX for XXXX phones, ( XX/XX/2016 ) after i called XXXX, it was determined fraudulent and account was closed, said they would contact reporting agencies to have the inquiries removed from my report. same person opened a XXXX credit card account ( XX/XX/2016 ), XXXX also closed the account after i called them and they said they would contact reporting agencies to have inquiries removed from my account. the XXXX hard inquiries have been removed from XXXX but not equifax. this is the email i received from XXXX : Here are the results of your claim. 

XXXX account number : XXXX XXXX We 've completed an investigation into your claim regarding the account number listed above. 
We 've concluded that you 're not responsible for any of the charges on the account. 
We 're submitting a request to each of the XXXX major credit reporting agencies listed below, to remove you from any reporting on the account. It can take anywhere from 30 to 90 days to process changes within their systems. In the meantime, feel free to use this letter as proof that corrections to your credit are pending. 
XXXX, TX XXXX Equifax XXXX, GA XXXX XXXX, CA XXXX XXXX XXXX XXXX help.equifax.com XXXX XXXX Thanks for your patience and assistance. If you have any other questions or concerns, please feel free to contact the XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My social security number, credit card numbers and personal information were breached in the 2017 Equifax breach that was the result of negligent security practices by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2015 about Debt collection (I do not know) with Arnold Scott Harris, P.C. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The law offices of Arnold Scott Harris ( XXXX ) continue to robo-call demanding that I call them at XXXX re the debt. I actually called them back after the XXXX robo-call as I was concerned about the call. I unfortunately provided personal information to the office and the person I spoke w/could not find any debt attributed to me and promised that I would be removed from their list. I received another robo-call on XXXX/XXXX/15 and have received several others prior to this date. Please make them stop with the robo-calls!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On  XXXX   XXXX   2017  i contacted  XXXX   XXXX   XXXX  about my Equi fax Credit file reporting the same account twice. One reports as a charge off and one reports as an open credit card balance. The information reporting is incorrect. I have disputed this and the company keeps verifying incorrect information. I have asked for this incorrect information to be deleted from my credit file only for inaccurate information to remain on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2015 about Consumer Loan (Installment loan) with LOBEL FINANCIAL CORPORATION (NV).
Issue: Problems when you are unable to pay

Complaint: In XXXX 2012 I bought a Jeep that was financed by a jacked up company called Lobel Financial. I started having problems with them right out of the gate, way before the first payment was ever due. They jacked up my payment by {$66.00} a month claiming that the required proof of insurance had not been provided. They 're blatant liars. Proof of insurance had to be submitted before ever being to take the vehicle from the property. This continued throughout the entire time I had possession of the vehicle. I will be submitting proof of this claim. Before the first payment was due I got sick and was diagnosed with XXXX. I was on LOA for 3 months. I was struggling to survive & they kept jacking the payments up. Maybe a year into it, the picked it up. The Monday morning they took it, they also received a payment. I had called on Friday and given them the information but they made sure they had it picked up before the mail ran that day. While in their possession it was damaged. I fought and got it back but naturally not without additional fees. They made me sign a paper they refused to give me a copy of. I had a witness to that. It went along again for awhile and they did it again. I was n't going to fight for it the second time. The sow that works the XXXX XXXX office sold the vehicle & proceeded to sue me for the what the balance was when they took it which was about {$7000.00}. She really thought she was going to get both. Lobel Financial has repeatedly been asked for the proof of the sale to see what they really got for it and they have refused to provide. When we went to Court she claimed they only charged me {$66.00} one time, but that should never have happened. I maintained the proper insurance the whole time and that proof was submitted to the Court. The DOJ is finally taking a look at the practices of Companies like this. Now she has a XXXX XXXX trying to collect another {$2000.00}, balance is incorrect and not owed. I have submitted a complaint to the CA AG 's ofc to look into this matter as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I paid my bills on time for tree years.change address and did not get the change amount inmy billing.and they never call me once.yet lied and said they call.and reported my me to credit beroue.i paid off the bill.in full today.neiman marcus, tryed to talk with them, but she was just rude.,

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely upset with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media.

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DataMax Corporation (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I 've sent over documentation to company showing proof that this debt is n't mine and still nothing has been done on my behalf. This item is causing great stress to my life and I 've reached out to an attorney XXXX XXXX to help me out with this matter, I was advised to try to work this item out with the collection agency one more time, if they refuse to remove this inaccurate item then we will pursue with filing a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Debt collection (Medical) with Paramount Recovery Systems, L.P. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: PARAMOUNT IS TRYING TO COLLECT ON A DEBT PAID THROUGH MY MEDICAL INSURANCE. THEY HAVE ALSO BEEN HARASSING ME

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 08/19/2016 about Debt collection (I do not know) with Messerli & Kramer P.A. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: A company by the name of Messerli and Kramer is sending me letters asking for payment on a debt I know I do not owe. They claim I owe XXXX XXXX. I had an account from XXXX XXXX back on 2006, which is currently reflected on my credit report as paid. If this is company is demanding payment for an account from 2006, they could be under violation of the FDCPA because the account is older that the statue of limitations in my state. I want this company to stop the harassment of their collection tactics, since they have not send me anything regarding the validation of this alleged debt. They are demanding payment from XXXX XXXX, but I am not XXXX XXXX, I am XXXX XXXX. All I get from this people is a letter demanding payment for this debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief