milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/22/2015 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: This is the 3rd time that experian has complete refuse to erase wrong information.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2017 about Debt collection (Auto) with NISSAN MOTOR ACCEPTANCE CORPORATION (NV).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: On XX/XX/2017, I received repeated and annoying phone calls from Nissan Motor Acceptance Corporation. There were four phone calls. The phone calls occurred at XXXX, XXXX, and two calls back to back at XXXX. This is in direct violation of the fair debt collection practices act. Considering this is the second time within a two month span that I have been a victim of a violation of this act from the same company, I am led to believe that something more egregious is happening. Therefore, it may be necessary for me to involve an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Rewards

Complaint: I opened a credit card wi th American Express tha t had a {$450.00} annual fee and  XXXX  point sign-up bonus. Right after getting the card, I went on the AmEx site and saw a huge promotion for the same card -- {$450.00} annual fee, but  XXXX  points as a sign-up bonus ( I still have the Terms & Conditions of this offer open -   XXXX   XXXX     XXXX ?  XXXX  & print # offerBenefitTermsDisclosures ). I called  AmEx  immediately to ask if I could be matched to this higher offer since it had only been a few days since I 'd applied. The person on the phone told me that it should n't be a problem and to check back in a few weeks. I checked back with American Express, and the customer service representatives online now keep telling me that I actually am not eligible for the offer even though one of them said my request is listed as " in progress '' on my profile. I asked for clarification on what this means and they refused to explain. Finally, a customer service rep said " this offer is not just for you, it is for the new card members. '' They refused to elaborate on what any of this means, or go into the actual details of why I was told it would be fine and then told I ca n't be matched to it.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Consumer Loan (Installment loan) with Enova International, Inc. (CA).
Issue: Problems when you are unable to pay

Complaint: I am so confused by the terms of this loan. I took out a {$1000.00} advance when I finished XXXX school to move on XXXX XXXX. I have made XXXX payments of over {$390.00} each ( XXXX ) against the balance, yet still owe {$830.00}. There is no ability for me to calculate how many payments I will make or when this will be paid off. The initial terms are worded in a confusing way, I had no idea this was going to essentially be debt slavery. I called the lender today to explain I could not pay another {$390.00} payment and they told me there was nothing I could do to postpone or stretch out the payment. I currently have no money because of this. No money for food or life essentials. The company provides no repayment schedule, no breakdown of where my payments are going ( i.e. principal and interest ). It just takes huge payments and seems to apply very little to the balance. I 'm scared this will go on forever because it seems that the interest or terms are so high that it is impossible to payoff. This is usury and intentionally confusing. I have no idea when I can ay this thing off or how.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Equifax deleted fraudulent, false data from XXXX XXXX because it was n't my debt and they agreed to it. Additionally, they are now reporting a debt from XXXX XXXX {$480.00} that does n't belong to me and the creditor refused to " verify ''. Finally, I have had XXXX hard credit pulls in 2015 and it 's illegal to report inquiries that are not mine and do not constitute fair use. I should n't have any 2015 credit inquiries and these debts that are not mine need to be taken off my report. This is harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-11-2015 about Credit card () with DISCOVER BANK (AZ).
Issue: Other

Complaint: This is the XXXX time i am going thru with Discover Credit card. I had used discover credit card to buy the mobile app for my kid and it was installed on tablet. My kid who is just XXXX yrs old tried to purchase some more apps on his own and he was able to do it successfully without the authorization of anybody ( like me ) who is at least XXXX or XXXX years of age. When i noticed the charges - it was bit late. Called Discover - they simply closed the account and issued me a new/replacement card ( coming in around 6 business days ). Later called XXXX support to remove the charges. Discover could have very well blocked those transactions all coming from XXXX but they decided the hard stop. All my legitimate transactions ( which i already told to Discover customer service and Fraud department ) are also impacted now which requires great deal of time and efforts from my side to make it thru. 
Finally i need to talk to XXXX customer service and revised my payment method so that the order can go thru. Has it been the case that Discover resolves these issues properly - one does n't has to go thru all this. 
For any online retailer -when they store the credit card - these attributes are required:1 ) Card account # 2 ) XXXX date3 ) Billing zip code4 ) CVC/CID - XXXX or XXXX digit # on the credit card. 
Why discover does n't stop XXXX or some other online retailer to save everything so that these kind of purchases are being challenged and users are asked to enter CVC/CID # at least? This is a major security flaw in terms of how XXXX and Discover are working and great concern to parents like me. 
This is the XXXX or XXXX time with me that i am victim of fraud with Discover card during the last 4 yrs itself.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Credit reporting () with Experian Information Solutions Inc. (MI).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX 2015 I received a call from a blocked phone number that said I needed to call XXXX regarding legal papers they needed to serve. I called that number, they did not identify themselves, did not state was for a debt collection and gave vague information regarding a debt I owed. When I asked further they gave me a non existent account number and customer service phone number for XXXX XXXX. I called XXXX XXXX and they had nothing on file for that account. I called back to the XXXX number to get further info and was told I could pay {$400.00} of the total of {$600.00} to make it all go away. I said no and I needed proof of the debt in writing. They said they would mail it out, never did. I sent a certified demand letter which came back to me today as undeliverable. The company is XXXX XXXX XXXX XXXX who is also now on my credit report, that is the address I used to mail the demand letter. I have not heard anything further from them to date. I do not have an outstanding bill and will not pay anything on an account that does not exist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I was divorced in XXXX 2015 and as part of the decree, my ex-spouse was 'awarded ' a credit card balance and account ownership of a closed credit card. While I was originally the primary and sole credit card holder upon initial opening ( I did n't yet know my ex-husband ), legally the debt and account have been updated to be his sole responsibility. However, XXXX ( my credit card company ) is unable to legally remove me from the account. I have opened a dispute with Experian to have the account removed as it is the highest credit impact on my credit score and they have stated they are not able to remove accounts individuals " own ''. Legally, I no longer own the account and can not get the credit reporting company nor my bank to remove me as owner. My ex-spouse has a large amount of debt on top of what he owes on this particular credit card, and as it is not legally my responsibility, I would appreciate the immediate removal from my credit reporting effective the date of divorce.

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 02/22/2018 about Mortgage (Conventional home mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Struggling to pay mortgage

Complaint: I called Mr. Cooper in late XX/XX/XXXX to request a 2 month deferred payment arrangement as I had missed XXXX and XXXX payment due dates. I was told I was approved for the deferment and made a payment on XX/XX/XXXX. The bank cancelled the deferment and is now telling me that the customer service representative asked if I was able to make a payment this month and since i XXXX have responded affirmatively that I was in default of the terms of deferment. This is not fair as we had been discussing a 2 month deferment which means I would not of had to make a payment until XXXX, which is when I did. The Mr. Cooper representative should not have asked if I could make a payment in XXXX when I was requesting a 2 month deferment.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Re : XXXX XXXX Transunion Report File Number : XXXX Hi. After receiving my credit report from Trans Union I discovered that I have an exorbitant number of inquiries on report that should not be on report. Some of the inquiries consists of multiple dates. I pay all of my bills on time and have excellent credit. I 'm trying to buy a house and was denied funding due to the excessive amount of inquiries on my Trans Union report. The only inquiries that should be on my report should be the from the companies that I have open accounts with and the mortgage company from who I was denied credit. There should not be multiple inquiries either. I made an attempt to correct the issue with Trans Union via their Rep. XXXX XXXX who said that he could not access my report because it was being handled by the fraud department. I explained to XXXX that I did n't believe that a fraud had occurred and that the misreporting was, in fact, something that Trans Union did. XXXX XXXX acted insensitive to the fact that Trans Union is reporting inaccurate information about me and proceeded to give me the telephone number to their Fraud Victim Assistance Department @ XXXX after I repeatedly told him that I know for absolute certainty that a fraud did not occur. I contacted the Fraud Victim Assistance Department and the only option available to speak with a representative states, that if I believe I have been a victim of fraud to push 5 to speak to a representative. Trans Union is reporting inaccurate information and bullying consumer 's by pushing their complaints into a system that offers them no opportunity to voice their complaint and fix the errors.

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 04-03-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Alliance Data Card Services (MO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I signed up for an XXXX account and agreed to " free magazines '' for 3 months being told i would be sent a card to cancel if i wished so i would not need to pay after a 3 month trial. I did not receive the card. I paid the dues and ordered XXXX more item then once i paid for my item i realized i was being charged about XXXX-XXXX dollars every month. Since I have n't had to deal with that before i paid until i finally was able to get a friend to explain to me what and why it was happening. So I called and cancelled my XXXX account. Thinking that would take care of it i did not expect another bill the next month from XXXX. So i contacted them again and was told i had to contact the magazine department. I did that and was told I HAD to pay until I demanded to speak to a manager. At that time I was told my subscriptions where canceled and my account was credited and I OWED NOTHING MORE. I received magazines again this last month. This last month I received another bill for about {$50.00}. I just spoke with XXXX and they say it has to be paid because its a late fee. I have been receiving 3-5 calls a day from XXXX Comenity Bank who uses and unavailable number and feel harassed. Canceling all this has been a 5 month process. One company I will NEVER buy from again!

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/13/2017 about Student loan (Federal student loan servicing) with ACS Education Services (CO).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: On XX/XX/XXXX I contacted ACS Education Loan Services to inquire about the payment history on my account. I consolidated my federal student loans back in XX/XX/XXXX for a fixed 6.625 % Interest Rate. The original loan amount was {$38000.00}. I have faithfully made payments of {$330.00} a month since then. Automatically pulled from my bank account every month. That is {$4000.00} a year I have paid on my student loans. 10 years later the outstanding balance on my loan is {$33000.00}. So I have only paid {$4800.00} on my principal balance in 10 years. How is that possible?! I looked at my payment history and noticed that the payments applied to principal and interest every month varies. Consistently, over 50 % of my payments and in some cases even more than that ( 2/3 of my monthly payment ) is applied to interest each month. Is that normal? Still trying to understand, I asked if they could forward to me an amortization schedule and was told that they could not do that. At this rate, I would n't even be able to payoff my student loan with a 30 year loan term. Does n't seem right!

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have a cellphone contract with XXXX XXXX XXXX XXXX since XX/XX/XXXX. In XX/XX/XXXX I changed my contract from a personal account to a corporate XXXX. When XXXX XXXX XXXX XXXX made this change, they inform me that I will continue making my payments under the new corporate bill. I started to receive and pay my new bills. Months after I received a new statement under my personal account information. I decided before making any payments to require information about. Then waiting for the XXXX XXXX XXXX XXXX response, I received a letter from a collection agency requesting the debt payment. In this moment, I fill out my XXXX dispute with Transunion, but I feel I do n't receive a fair result. Weeks after, XXXX XXXX XXXX XXXX explain to me that the charges under my personal account are originated from a prorated. In this moment I understand clearly where the charges are coming from and I process the debt payment. After pay my debt I dispute my account once again because XXXX XXXX XXXX XXXX failed in notify me where my charges are coming from. XXXX XXXX XXXX XXXX never accept their fail to me and also to Transunion. Today, I have this account in my Credit Report with a payment status " Collection/Charge-Off '' and remarked as " Charged off as bad debt Profit and loss write-off ''. I need Consumer Financial Protection Bureau to verify this because I think it is unfair that I have these bad marks in my Credit Report because XXXX XXXX XXXX XXXX do not bill this charges clearly and failed in notify me. I submit for your consideration XXXX copies of my account info as appear on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/27/2016 about Debt collection (Auto) with Riverwalk Financial Corporation (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Deville Asst Management this company did not send me a bill or a letter they failed to notify me. The only way i found out about this debt is thru my credit report. And the information they have on XXXX in inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2017 about Debt collection (Other debt) with AFNI INC. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This debt will b e seven year s old this coming   XXXX   XXXX    , I have on several occasion requested proof that this debt belongs to me via my original signature on an agreement that I owe this debt to the original creditor and or to the collection agency, and proof that they are license to collect in the state of Ohio, proof of agreement that grant them the authority to collect on this alleged debt. As of today, they have not providing any proof to me. I am requesting you do an investigation to remove this alleged debt from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Payday loan () with GVA Holdings, LLC (PA).
Issue: Can't stop charges to bank account

Complaint: I called cash fairy loans saying I needed payment lower because hours were cut back at work. They would n't do that. Said loan was based on my income. So I called to get address for them so I can send letter asking not to deduct next payment and I would mail payments. Would n't do that either said I had to get prepaid card and call with information. So I called XXXX bank and stopped authorization of payment but they said they may try to take out under different name. Said I may have to close my account to stop them.

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Advertising and marketing

Complaint: On XXXX XXXX, 2016 I received text notification from XXXX that a new credit account was issued. I contacted them and was told it was issued by CHASE bank. I asked who initiated it and response I got was : " Do you purchase items online from XXXX? ". They did not claim that XXXX initiated issuing the card and gave me the fraud contact number of CHASE bank. HOWEVER, WHOM EVER INITIATED IT SEEMED TO HAVE MY COMPLETE SOCIAL SECURITY NUMBER. I called the CHASE fraud number and after some discussion they informed me that a new card had been issued ending in XXXX, and it was mailed the day before. ( I RECEIVE JUNK MAIL SOLICITATIONS FROM CHASE ALMOST WEEKLY-with my name and address pre-printed on their appliction form, and shred that part before putting the rest in the recycle bin! ). The CHASE representative closed the account and instructed me to destroy the card when received. 

I received the card packet on XXXX XXXX, 2016 ... thinking it might have sent to another address because of the delay. The packet was filled with information with the Amazon.com logo explaining the use and benefits of the card. The card is even identified as Amazon.com rewards VISA with CHASE info on the back.To activate the card I even have to visit chase.com/verifycard or call XXXX. 

The documents enclosed in the kit included two pages with the amazon.com logo. One letter begins : " Your Amazon.com Rewards Visa Card has arrived. '' That one gives the account number, ending in XXXX, THE CREDIT LINE : {$6500.00} ; and the CASH ACCESS AMOUNT OF {$1300.00}! 

I DID NOT AUTHORIZE THIS. Amazon says they did not ... check with CHASE Bank. CHASE Bank did not deny any of it but did cancel the card. 

NOTE : Letter with amazon.com and CHASE ( with logo ) was from XXXX XXXX, Executive Vice President, Chase Card Services. IS THIS A PART OF CHASE BANK?

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: i was sold from XXXX to carrington mortgage in XX/XX/XXXX. i have yet to get a statement from carrington, I ave been calling since XX/XX/XXXX or XX/XX/2016, I have been promised each time this would happen, all i got was a letter about my escrow that did n't make sense. I have made two payments now and they did not apply my payment as requested.some goes into pad my escow. today i called to find they are mailing me a XXXX check out of my escrow which will not make me short for my house insurance in XX/XX/XXXX. They are incompetent. they do this so they can increase you house payments. I googled this mortgage company and could not believe the complaints of how badly they handle concerns. I have called at least 10 times with no results even XXXX 's escalation dept called them and they never called her back. i want a new mortgage company with competent people. i want a monthly statement showing me what i paid and how it is applied. i want to be able to designate how my extra is applied to my escrow. i do not want higher house payments and they is what they are trying to do, and all the complaints i found stated.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: The Company is listed on caller ID as Portfolio Recovery. The number that shows is ( XXXX ) XXXX. We spoked with a Representative of the company whom identified herself a XXXX XXXX. We identified Ourselves by name and telephone number. We advised them that We have had our telephone number for more than " Twenty Years '' ... and We owe no debts. We begged this company to stop calling Our number, because We are the only persons living here. The Representative XXXX advised Us that  She would remove Our telephone number from their calling system. This is not the first time We have requested to be removed from their calling system. This is harassment and We are requesting that this calling cease and drop dead. Please Help Us. PLEASE. Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-10-2017 about Debt collection (Medical) with Revenue Assurance Professionals LLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company is reporting as negative on my credit report when in fact this us a paid account

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