milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-10-2015 about Consumer Loan (Vehicle loan) with NCB MANAGEMENT SERVICES INC (MO).
Issue: Problems when you are unable to pay

Complaint: threatened to take the cosignor on an old debt to court. Solicited information from her about how to get my work information by threatening to take her to court. I have just started a new job and after 3 days of working they 've already managed to call. I work where personal calls are not allowed and I could be reprimanded. ive read complaints against this company refusing to send information in writing and demanding to settle over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Credit card () with JPMORGAN CHASE & CO. (NJ).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Chase issued a Amazon.com visa signature card without me applying for it after they sent me a letter that they had insufficient documentation for issuing that credit card, for which i have never applied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/23/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I got a copy of my credit report an learned that a collection agency has the same debt listed on it XXXX with different account numbers and different amounts and more than what I actually owe the creditor I did business with. The debt is for an old utility account I that closed and I did not get in the final bill in the mail because I moved. I called the collection agency and they said they would investigate my concern about them listing the same bill twice and get back to me however they never did. I went to the utility company for the original bill and paid it in full and I want the collection agency to correct their reporting on all XXXX of my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (SC).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: They withheld information. My loans were consolidated with XXXX and a few days later, I started receiving mail from Navient saying my loans without my permission. Also, in XXXX I received a call from XXXX XXXX saying they were about to garnish my wages because my loans were in default. Never in my life have I allowed this to happen. They actually left my apartment number off the address. My phone number was the same number I had since XXXX, so I 'm not sure why I was never called until it was too late. I then had to pay almost {$100.00} for 9 months before I could go back into a repayment plan. This website will no allow me to submit the complaint using the option 'Getting a loan ' option. Taking me to XXXX page on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: All highlighted inquiries are not mine, I previously disputed them with both the Credit Reporting Agencies and the Information Providers. These information unfairly remained on my report with the negative effect on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: I sent Experian a letter on XX/XX/2017 asking for them to investigate several items they were reporting. The other XXXX credit bureaus had admitted mistakes and deleted things so Experian, were they to have done their jobs, should do the same. 
But they have ignored me and did not write me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My XXXX account was cancelled and replaced with XXXX. We were not on any contract and cancelled before any payment was due to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 04/20/2017 about Consumer Loan (Vehicle loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Managing the loan or lease

Complaint: Hello, we received and auto loan from Ban k of America  in  XXXX   XXXX . Payments for first 3 months were done by auto phone. In  XXXX   XXXX , I set up recurring Auto Pay through Online B O A. Recently, we found out through looking at our credit report that Bank  of America r eported us late for  XXXX   XXXX  auto payment. In early  XXXX   XXXX , I received a check made out to " Ban k of America Auto Loan ''  for the payment amount. At that time, I called the phone number on the check. I was then told that it was not a check but a receipt for the  XXXX   XXXX  auto payment. This was not true -- it was live check which I then threw away. This incident created a big credit problem. At this point I thought the payment was made, but it was not. This created a drop in our  credit score  of  XXXX  points. I can prove that the money came out of our Bank  of America c hecking account for the auto Loan, however it was never applied to the loan account.   I have spoken to many people at Ban k of America a nd asked them to reverse the  XXXX   XXXX  late payment. I am getting the run around. No one will take responsibility. I have been to told to dispute at the credit agencies, which I have, and wait for the process/investigation to complete. I am not satisfied with this response. We have been their customer for 25 years. I would like for the CFPB to investigate to help resolve this issue for us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Meridian Financial Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX XXXX XXXX was discharged on my husband 's bankruptcy

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Account number XXXX Legally paid in full This account was opened the X/XX/2015, Legally paid in full, I do not know why it is reporting as in collections and as a late payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
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 is not removing accounts that should be removed from my report that are inaccurate from XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/16/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I took out a loan with XXXX who then sold to Navient so I can pay going to school in XXXX University XXXX, NY. I tried asking Navient to help as I am not working right now and lower monthly payment to where someone else can help me pay for it and they said no. There is nothing they can go and I have to pay 480.00 a month and thats it. Combined income for XXXX people is XXXX how am I suppose to pay for student loans. They say federal government are the ones that help out with the loans if you make lower than a certain about not private loans but yet you ca n't file bankruptcy with private loans if they are considered to be like taking out a private loan from the bank. Bank loans you can claim in bankruptcy then why not private student loans. XXXX and Navient are the worse companies to deal with they provide no help with private loans what so ever!!! I guess thats why americans have horrible credit scores wo n't even give people a chance to advance with the means they have.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/26/2016 about Credit card () with DISCOVER BANK (GA).
Issue: Billing disputes

Complaint: I have a Discover card that has not been used in years. I recently noticed they are charging interest charge on cash advances. I contacted them about it and they replied that the charges were from over 7 years ago. The agent could not really tell me when or amount. So, sent a message to the company and I received this replied : Thank you for your email regarding the Cash Advance interest on your statement. After reviewing your account, I found that we chatted with you online on XXXX/XXXX/2016, regarding this matter. If you need further assistance with this matter, or if you have other questions or concerns, please let me know. 
I am sorry, but this is not acceptable. I do n't mind paying, but I need answers. I do n't remembered ever taking any cash advance. Please help me! 

Thanks in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 11-05-2016 about Consumer Loan (Installment loan) with PAYPAL HOLDINGS INC. (CT).
Issue: Problems when you are unable to pay

Complaint: Paypal Credit claims to have offered numerous payment plans/settlement offers to me. I am only aware of one settlement offer of XXXX and a few payment plans which do not include a settlement. These plans are not agreeable as they do not settle a portion of the balance, which is fraud. I attempted to take advantage of the settlement offer of XXXX, however, Paypal collection reps lie, do not cooperate, hang up the phone. One rep lied about a cease and desist order on the account, stated she could not discuss the account with me. At the time, a payment arrangement was offered and attempted to take advantage of it. However, the rep lied stating there is a cease and desist so she did not have to discuss the account and could then go home at XXXX EST. That call was made shortly before closing time, Paypal reps like to do anything they can in order to go home at close time. I can confirm she lied because I did not in fact place any cease and desist on the account, there was not mention of it prior or subsequently, this confirms the rep lied. Another rep breathed into the phone, then hung up after I said hello several times before closing time, around XXXX EST. They also lie stating payment arrangements/plans are all expired at time of call. The last reps I spoke with, XXXX names XXXX, stated he wanted XXXX a month for six months and would accept settlement amount of XXXX. However, I can not afford XXXX a month or XXXX, another amount offered to me. Paypal Credit does not take into consideration some fraud charges to an XXXX for jewelry which run into the thousands. I think XXXX is a reasonable settlement but again, can not afford XXXX or XXXX a month. If I could afford such a high amount then account would not be past due, Paypal and its reps are also asinine among other things previously mentioned. They claim to have offered numerous plans prior, but lie about them saying they are expired and do not offer any settlement. Their mail has been returned as I have moved and will not give them my new address, they have no need for it, considering how uncooperative they are/unprofessional. In closing, please advise them I will accept offer of XXXX but can only afford XXXX month.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (PA).
Issue: Delinquent account

Complaint: In 2007, I had a XXXX Credit card with HSBC Bank on which I defaulted. Their collection efforts were unethical as they harassed and intimidated me to settle the account in full. I felt harmed by the stress and intimidation they caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have several hard inquiries that I did not give consent to run my credit. Please remove them from my credit report. I have no knowledge of these inquiries and no account attached to them. Equifax, XXXX, and XXXX are stating that " inquiring are a factual record of file ''. How are these inquiries factual when I have no account. Furthermore, they have no knowledge of me doing businesses with them. I have supporting documents as proof that these creditors have requested deletion of the inquiries. Frade Alert has been placed on my report now as of XXXX. 

None Account Inquires -XXXX XXXX ( XXXX/XXXX/XXXX ) - XXXX XXXX XXXX/XXXX/XXXX ) -XXXX XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) -XXXX XXXX XXXX ( XXXX/XXXX/XXXX ) XXXX Federal Credit ( XXXX/XXXX/XXXX XXXX XXXX Team XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX/XXXX/XXXX ) - XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Auto ( XXXX/XXXX/XXXX ) XXXX XXXX XXXX/XXXX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Checking or savings account (Checking account) with U.S. BANCORP (CA).
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint: My debit card and all my banking information along with pin # were stolen from my office desk by day labor that was hired to pack up my my office to move. On XXXX-XXXX-2017. 1 ) Personnel account. on XXXX there was a {$500.00} atm withdrawl and onXX/XX/XXXX they tried using the atm card a number of retail stores, the bank stopped allowing any more charges. They then deposited a fraudulent check for {$2300.00} at an atm on XXXX the {$2300.00} check posted and the bank reversed out the {$2300.00}. chk. because it was a 3rd party chk and had a fraudulent signature on the back. After investigating XXXX XXXX approved the {$500.00} withdrawal and put the money back into my acct. My acct. was closed on XXXX I was told they would send me a chk. for the bal. in my acct. After not receiving a check. I call and was told my funds are now frozen in a Recovery account and could take up to 3 more months to investigate? It has been almost 2 months and know. I keep getting the run around and was told I needed to address the problem with my branch. I called the bank manager and she told me it was out of her hands. no one will give me a timeline or reason why they wo n't return my funds after the account has been closed. other than they were checking to see If any outstanding charges that had to be recovered. The bank manager told me she has seen it take anywhere from 3 months to a year? This is timeline is Unacceptable it does not take that long to figure out a simple bank account.

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 monetary relief
Consumer complaint received 12-06-2016 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (FL).
Issue: Loan servicing, payments, escrow account

Complaint: Every month started on XXXX day, Chase XXXX Department calls me regarding my mortgage payment. But by law, every mortgage customer has a 15 day grace period to pay. I get so afraid every time Chase Collection before my grace period ended saying " THIS IS AN ATTEMPT TO COLLECT A DEBT, ANY INFORMATION OBTAIN WILL BE USED FOR THAT PURPOSE. '' The customer service rep always insist the only way to stop the collection calls, although, i 'm never late, is to request a COMPLETE CEASE & DESIST of all future communication. 
I find that to be very disturbing, as i am not requesting all future communication to stop, only the collection attempt ones for payment that is n't pastdue yet. 
I suffer emotional pain and distress after each call.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit reporting () with EQUIFAX, INC. (OR).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: every time I try to contact Equifax to try and get a free credit report over the last Five years they have refused to give me XXXX as they ask me information that is incorrect and when I try to contact them I go thru their electronic phone tree to talk to someone they hang up. I can never get their report unless I pay for it. I am tired of battling them. Please I just want to see my free credit report so I can get things cleared up and be able to move on with my remaining years. 
You can contact me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Oregon XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/27/2015 about Student loan (Non-federal student loan) with GREAT LAKES (OH).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I currently have {$38000.00} in private student loans. With the interest rate and payment plan that I am on ( XXXX ), I will end up paying to the loan companies about {$78000.00}. Which is more than XXXX my actual loan rate. I was not informed of this when I took out the loans and I am struggling to make ends meet and working XXXX jobs, but I am still scraping by to make ends meet on top of paying my other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2017 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (OK).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: OnXX/XX/XXXX ( XXXX CST ), I noticed several charges had been placed on my American Express Bluebird card. I have my paycheck Direct Deposited to this account, and it is the only account I have. There were several charges. I immediately contacted my card company, and informed them there was fraudulent activity on my account. The charges were still " pending '' at that time. Total of all charges was around {$700.00}. They informed me that I would have to wait for the charges to complete and then call back to continue the fraud report. I was told to destroy the card, which I immediately did. The next morning ( XX/XX/XXXX ) the charges began to complete and I immediately called American Express back. I was informed that I would have to complete a " Declaration of Fraud '' form, which they would email to me within 2 days. They would then proceed with their investigation, and get my money back to me. The next day I got an email telling me my account was suspended and they list the reason as me having violated their terms of service ( something I in no way did. ) I have been back and forth with them on the phone ever since, getting the run around and being told " we are going to escalate this case ''. I finally received the " Declaration of Fraud '' form this evening (XX/XX/XXXX ), but now I ca n't even fill it out, because I have no way to access my account to get the information the form requests. They say I have another 6 days to finish the form, but when I called again today, I once again get the run around. I luckily took a screen shot of some of the fraud charges, all from the XXXX of XXXX : {$100.00} [ XXXX XXXX, {$200.00} [ online purchase ], {$1.00} [ XXXX ], {$1.00} [ XXXX ], {$96.00} [ XXXX ], {$96.00} [ XXXX ], {$61.00} [ XXXX XXXX XXXX ], {$120.00} [ XXXX ], {$11.00} [ XXXX ], {$1.00} [ XXXX XXXX. 
I absolutely did not make these purchases. I do n't use XXXX, or XXXX, or XXXX XXXX and it seems to me that it would be fairly easy to track exactly who DID use my card for these purchases. Instead I am being given the run around by a group of " fraud specialists '' with names that include : XXXX, XXXX, and XXXX at American Express. I have attempted to file a police report, but they wo n't file the report until I can document the fraud with documents that American Express wo n't get me. I just want my hard-earned money back. I have no way to pay my bills, put food on my table, or even put gas into my vehicle so I can go to work. 

I have never authorized anyone else to use my account, nor have I ever provided my account information to any other person.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/28/2015 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I have no knowledge of accounts opened that were asked of me to verify my information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2016 about Consumer Loan (Vehicle loan) with EQUIFAX, INC. (SC).
Issue: Shopping for a loan or lease

Complaint: I have multiple inquiries on my equifax report from a XXXX XXXX all of which are impacting my credit report and if they ca n't be removed, I would like for them to be combined into XXXX inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I signed up for automatic debit to save 1/2 % off my interest rate. Navient still is not taking the payment, and it is causing me to have late payments.

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. (MN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: Equifax security breach. My information was hacked.

Company response to consumer: Closed with explanation