milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Iron Capital Group (OH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017 Iron Capital Group submitted my personal information to multiple credit card companies for a line of credit WITHOUT my consent to do so. This caused me to have 18-20 hard hit inquiries on my credit reports between all 3 credit bureaus. I immediately contacted Iron Capital Group about this issue and I was told by XXXX that they had accidentally submitted my information. They meant to submit it to a credit union. I demanded that they fix this issue immediately. For almost 2 weeks I received the run around from multiple people ( mainly XXXX and XXXX ). They did n't know how to fix this and kept telling me they will look into it and call me back but they never called back. Finally, after contacting their supervisor, XXXX XXXX, I was given a letter stating it was entirely their mistake.I submitted this letter to the credit reporting companies in hopes to fix my reports and have the inquiries removed. They requested a police report as well to show this action was fraudulently done. I supplied them with this as well. To date, I am still trying to get these inquiries removed. It has dropped my score dramatically. I was told by XXXX that they recommend XXXX XXXX to correct this issue. I guess they gave my information to them because a couple of days later I was contacted by XXXX XXXX. XXXX XXXX required me to pay for their services even though his entire situation was NOT my fault. I declined their offer for services. I should not have to pay for something that is n't my fault. I immediately contacted Iron Capital Group nd was told by XXXX and XXXX that they would offer me a discount on their fee due to the circumstances. I advised them I only wanted my credit fixed and back to where it was before they submitted my information to multiple lenders. I never heard back from anybody from the company after this and my calls are not being returned.

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: There are XXXX XXXX accounts that are listed on my credit report. Those accounts should be removed from my credit report as the last delinquency date is over 7 1/2 years old. Experian needs to delete all the XXXX accounts 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 04/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I paid Transunion Credit Reporting fees for services and when I attempt to do anything in the amount of total of {$49.00} in last two weeks and we I attempt to use the services it continues to take me to page to pay another {$29.00} for all XXXX companies and debt analysis and they already recieved it and I email attached showing transaction # XXXX the payment was made. I con firmed payment made via card. 
They have incorrect information, they have incomplete information and they want more to correct.

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 05/26/2015 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MO).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Wells Fargo has been contacting me to collect a payment for a private student loan I received when I attended XXXX XXXX University in XXXX XXXX, XXXX from XXXX to XXXX. I have discussed with debt collection reps that I am currently unemployed and can not make a payment at this time. I was able to defer my loan with in-school deferment while I attended University XXXX XXXX in XXXX to the end of XXXX for XXXX studies. But I am longer attending that school. I have applied to XXXX XXXX XXXX XXXX University and have been accepted for their XXXX XXXX XXXX XXXX Program for the XXXX XXXX. I will register for classes XXXX. I do not have any family members or friends who can help me make this payment or any payments for this loan. I have already asked family members to help me pay off my credit card debt and they are struggling to pay their own bills.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Vehicle loan or lease (Loan) with NAVY FEDERAL CREDIT UNION (NC).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: On XX/XX/XXXX I had made an ACH Payment through the NFCU app. On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX, and decided to trade my XXXX XXXX XXXX XXXX, for a XXXX XXXX XXXX XXXX XXXX. I contacted Navy Federal Credit Union for a 14 Day Payoff for my XXXX XXXX XXXX XXXX, this was necessary for the Lease agreement with XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX. I received a 14 Day Payoff from Navy Federal Credit Union for my XXXX XXXX XXXX XXXX, which was good until XX/XX/XXXX. I noticed that XX/XX/XXXX fell on a Saturday and discussed my concerns with the Customer Service Agent. While on the phone with the same agent who gave me the 14 Day Payoff, I inquired if the payment I made the day prior had been processed and applied to the account. I was informed it had not been applied and the 14 Day Payoff did not include the XX/XX/XXXX payment. The Customer Service agent told me that he processed an ACH Payment Reversal since I was trading in the XXXX and it wasnt included in the payoff. The agent advised me to contact XXXX to try and catch it just in case. This payoff amount was given via telephone, and on the Navy Federal Credit Union XXXX Application. XXXX XXXX XXXX mailed the 14 Day Payoff on XX/XX/XXXX. My monthly payment was due XX/XX/XXXX of every month. Previously NFCU has posted payments or fees on this loan on Saturdays, when it benefit NFCU interests. Despite receiving the loan payoff prior to XX/XX/XXXX NFCU did not process the payoff causing second and third order affects, a late fee and causing the payoff to expire. On XX/XX/XXXX promptly applied a {$29.00} late fee to the loan. Navy Federal Credit Union did not process the loan payoff until XX/XX/XXXX. Additionally, Navy Federal Credit Union erroneously applied the payoff payment as a regular payment. Then Accounts Receiving reversed the misapplied payoff payment. Furthermore, Navy Federal Credit Union Accounts Receiving processed only {$48000.00} which is a portion of the payoff to principal balance. Navy Federal Credit Union applied the remainder into another adjusted split payment of {$2300.00}, {$1700.00} to principal and {$610.00} to interest. I followed the advice and guidance from the NFCU Agent, and I need this resolved before XX/XX/XXXX to prevent further damage to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Conventional fixed mortgage) with TD BANK US HOLDING COMPANY (NJ).
Issue: Application, originator, mortgage broker

Complaint: I locked my refinance rate with TD Bank. Rates increased quite suddenly post election. My mortgage is now saying I will to have to pay different " points '' since post appraisal the LTV is 61.3 %. They are saying the points are different for LTV greater than 60 % vs. LTV less than 60 %. Is there 60 % cutoff really? I have never heard of it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2017 about Money transfer, virtual currency, or money service (International money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH).
Issue: Fraud or scam

Complaint: I recently became aware that my father was the victim of an online dating scam. We have so far uncovered {$60000.00} in losses, and Im sure there will be more discovered as we dig further. He was using Money Grams to send cash, and the vast majority of these were purchased at the same XXXX in Ohio. He was sometimes sending multiple money grams in the same day, and he would also send them several days in a row. I find it hard to believe that none of the employees recognized this pattern or thought it was odd behavior, yet it continued to happen for a year. In fact, he was in the store so often that he knows the employees by name. I currently have 138 receipts, totaling {$59000.00} and counting - way too many to attach here. And a bigger concern for me is this who knows who he was truly sending money to? These people claim to be young women on a dating site, but no one can know for sure. Was this money going to a XXXX scammer or to someone much worse? This is terrifying to think about. While it makes me sick to think about how someone took advantage of my father in this way, I also want to take whatever steps I can to ensure this doesnt happen to someone else. Are there steps in place to educate these employees on what to look for? How can they intervene? Can they notify authorities of unusual behavior? They should have to take some sort of responsibility as well. Scammers are becoming more advanced, and there need to be some safeguards in place to protect those that are getting taken advantage of. In my opinion, the employees that were sending these 130+ money grams need to be one line of defense. I appreciate your time, and I sincerely hope you can look into this matter further and stop this from happening to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (SC).
Issue: Unsolicited issuance of credit card

Complaint: About XX/XX/2016, my wife called USAA to get information on our home owners insurance. She was told that she had to have a USAA credit card number for her to get that information. Neither of us have a credit card with USAA. She stated that we do not have a USAA credit card. The CSR told her that she could n't help her and to call back with a card #. To that my wife said " We do n't have a card so what will calling back do? '' CSR again said she could not help. Several weeks later we received in the mail ( Approximately end of XXXX ) we received XXXX separate mailings with credit cards from USAA, which we did not request. We shredded and did not activate the cards ( XXXX total cards, XXXX for me and XXXX for my wife ). We do not feel this practice of requiring a credit card to get information about an insurance account is legal and we do not want this practice to continue. This reminds me of what XXXX just got in trouble for opening accounts for people without their authorization. It also seems like they are tying their cards as a requirement to their insurance policies. Both things I believe are illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have been filing complaints with XXXX for almost two and a half years now Ombudsman group mandated that they remove all payment history prior to XXXX XXXX XXXX to XXXX due to my bankruptcy Chapter XXXX they still have not remove payment histories from the accounting XXXX when I call two weeks ago they stated they see the ongoing problem but somebody has dropped the ball and that 's why it 's still not rectified they stated that they would contact me back within 7 days at which point the proper department will take care of this again and it still has not been done so payment histories from a closed account is still showing up negative on my credit bureau as well as the fact that they have it looking as if there 's five different student loans on my credit report when he won in XXXX was discharged and was requested to be removed and the ones from XXXX were Consolidated and they refused to fix this as well so it in case I have 5 student loans when I do n't

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 10/28/2016 about Bank account or service (Checking account) with PNC Bank N.A. (MD).
Issue: Problems caused by my funds being low

Complaint: I had an issue making my monthly car payment to PNC and I called them to make payment arrangements. I gave them a partial payment that day and the remaining portion was to be paid my next paycheck 2 weeks later. I was told that this would be ok. 3 days later my PNC account was overdrawn because they took the remaining part of the payment 7 days prior to the agreement. Now PNC is overdrafting my account {$35.00} every day.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Checking or savings account (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (GA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On XX/XX/2017, I had a theft from my bank account of {$720.00} due to someone fraudulently using my debit card to make a purchase online at XXXX XXXX. I immediately reported it to my bank which is XXXX XXXX located in XXXX Oregon. Their parent bank is Compass. I also, immediately, filed a case with XXXX XXXX and filed a report with my local law enforcement. This happened a week ago and not one person from Simple 's disputes team has reached out to me to discuss what happened despite my desperate efforts through emails and phone calls. I have done everything I can possibly do to get my money back, and the fact they will not even acknowledge me is unacceptable. I have rent I need to pay, medication I need to buy. This is a whole paycheck that was stolen from me. I am the victim of a crime, and the bank is victimizing me all over again. The bank 's dispute email is XXXX and their number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2017 about Debt collection (I do not know) with Apelles, LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company Apelles is harassing me by calling my phone number for a debt that is not mine. The company continues to call asking for a person named XXXX XXXX. I am not XXXX XXXX. the phone number they are calling is not nor has it ever been XXXX XXXX 's. my name is XXXX XXXX. I have no idea who XXXX XXXX is. I have had the same phone number for over 20 years. I have called the company Apelles and told them that they have the wrong the number. They state that they will put it on their records and stop calling, however they keep calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-07-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with HSBC NORTH AMERICA HOLDINGS INC. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I paid a judgment XXXX from beneficial finance served by XXXX. this was the amount specified on he judgement from 2010. However I have recently been servied a garnishment summons for interest in the amount of XXXX I am disputing this a d asking for verication of this debt

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Bank account or service (Checking account) with M&T BANK CORPORATION (DC).
Issue: Problems caused by my funds being low

Complaint: My M & T checking account was overdrawn by {$3.00}, M & T assessed me the standard insufficient funds fee of {$38.00}. But then I was charged the another {$38.00} overdraft fee because it was insufficient for five ( 5 ) days. So for the negative {$3.00} balance on my checking account I was charged total fees of {$80.00}. : Not to mention this is supposedly the M & T account for low income persons.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (TN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am filing this complaint today against Jefferson Capital LLC because my credit monitoring service notified me on XXXX XXXX, 2016 that a collection was placed on my XXXX and XXXX reports by them. I have never heard of nor from this company and I have never entered into any legal agreement or contract to do business with them. Furthermore ; the debt they claim I owe them was illegally purchased and furnished on my credit file without my consent nor an opportunity to verify or validate debt per FDCPA. The debt has been previously deemed unverifiable and was removed from my credit file due to another illegal purchase once before. I have reached out to them and have asked them to please remove the unverifiable negative item from my credit reports and have been ignored so far. Please resolve the situation as soon as possible. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (NM).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After reviewing my credit report i saw that I had a late payment for  XXXX  of  XXXX  on my account. My bank account was drained after someone stole my debit card number and made a number of erroneous purchases online. When i submitted my capita l one payment for the month it was declined because of the erroneous purchases. I paid capital one immediately when i became aware of the situation. I asked if this would report negatively on my credit report and they stated they were unsure at the time. After reviewing my credit report I saw that it had indeed been reported as a 30 day late, I contacted Capital One and requested that they remove the late payment because I had never been late before, nor have i ever been late again. They told me they would not remove the late payment. I believe that Capital One  is acting UNREASONABLY, as i have had the account since  XXXX  and have never been late before and this was clearly an isolated incident outside of my control.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2016 about Student loan (Non-federal student loan) with MOHELA (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: MOHELA continues to cancel my autopay ( 3 times now ), which increases my interest rate 0.25 %. They claim that my bank issues a stop notice after the autopay has been drafted. My bank has no record of these " notices '' claimed by MOHELA, and MOHELA has refused to provide proof of the claimed notices. Again I continue to pay from the same account on single payments with no issue after my autopay is cancelled, and the next month my autopay works after I re-signup for autopay which is then cancelled after payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (I do not know) with Enova International, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I do n't have much information on this account, i just saw it pop up on my credit report. This debt is not mine. I do n't owe anything.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06-04-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: due to history of unfortunate and unknown lack of management of my loans due to ex-spouse failure to pay my loans were neglected for years and accrued penalties and interest resulting in approx.  XXXX  in owed loans. I have been in an IBR with  XXXX  for over 10 years and head regularly and timely paid my monthly payment. I did not believe the total amount of the loan was correct and have spend hundreds of hours with attorney, investigating and working with the  Ombudsmen pr ogram to determine if i the penalties and interest accrued could be correct. I am a   XXXX   XXXX   XXXX   and as i make more income i become increasingly unable to manage the loan payment. The ombudmen program suggested i consider a  DIRECT r epay loan which would cap at a lower monthly amount. I was told to look at the student.gov site and  pick one. I want ed to determine all options and requested loan information  from Navient .  I fill out online and received two notification with loan repayment three times the amount of my current payment. I asked Navient on my calls if  i was under any obligation for the loan, as i was just reviewing all options and was told NO. I made a third call this week to inform that i still was unaware of what the payment would be under this payment plan compared to my prior plan and they were still computing the amount having finally received my pay stub. When i spoke to the Navient rep i informed that I had had 9 years of payment in my other plan that went toward the 25 year forgiveness which i now lost. I to ld Navient that i did not sign for the loan but was simple inquiring on options and they informed that the online application was binding and i had 10 days to cancel this consolidation. I was misinformed by both us.gov and Navient and need assistance in canceling this conversion. I will now re=start 25 years toward forgiveness for a loan that will never get paid due to the amount and type of payment plan. I am diligently trying to manage this debt and have reached out to congress and other legislatures to review the laws that do NOT protect the borrower. Pl.ease let me know how i can receive some assistance with this loan that I did not intent to commit to and was intentionally misinformed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Bonneville Billing and Collections (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I discovered this {$610.00} debit on my credit report witch was a utility debt from my ex wife So I paid off, and receive a letter from collection agency saying that I do not owe anything. I have sent this letter to all XXXX agencies, and never get any answer from them. This has been 5 years since I have paid the debit, and it still showing in my credit report as unpaid on XXXX AGENCY So my credit is lower then it should be only because of this derogatory item.

Company response to consumer: Closed with explanation