milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/29/2017 about Debt collection (Auto debt) with PRESTIGE FINANCIAL SERVICES INC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Urgent Matters!! Prestige wants to reposses my XXXX XXXX XXXX XXXX  in which I have been making timely payments from XX/XX/XXXX till present. Prestige Administration are now in Retaliation because of my filed complaints with Consumer Financial Protection and Federal Trade Commission and Department of Justice ADA Disability Act Civil Rights.
I just like to have a affordable payments under $ XXXX- {$480.00} with a lower interest rate under 17 %.
I am willing to start making my timely affordable monthly payments starting XX/XX/XXXX.
Prestige wants to also wants to report me to a collection company and destroy my credit ratings with XXXX, XXXX and XXXX.
I am XXXX Lifetime and Retired.Why Prestige administration are mistreating our Military Veterans and Citizens on Disability Lifetime?
I have requested a Federal Investigations against Prestige Administration immediately.
I will send copy of evidence of Prestige on Escalating their Retaliation against me.
Repossession of my vehicle and reporting collections and negatives to credit reporting agencies.Is this how Prestige Financial Services mistreat and Retaliated against Hispanic XXXX Military Veterans?
With Respect the Federal Government should consider my request of Federal Investigations.Prestige does n't want to accommondate on my Disability Lifetime under ADA Disability Act.under the Department of Justice.
I am requesting also with respect that Department of Justice ADA Disability Act Civil Rights Division intervene on my complaints also.
Urgent Matters.

Company response to consumer: Closed with explanation
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: There are two collection accounts on my credit report that I have disputed several times through the credit bureaus, directly with the collection agency and through the Better Business Bureau. Each time it comes back verified but they have failed to provide proper documentation that supports their claim. They are in violation of the Fair Credit Reporting Act by reporting inaccurate information and in violation of the Fair Debt Collection Practices Act by not validating the debt. <P/>The accounts are as follows : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2015 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The institutions are implying I filed XXXX bankruptcies within a 2 year span. This was the same case and was discharged XXXX/XXXX/2012. It was initially filed in the XXXX Bankruptcy Court XXXX XXXX This is allowed because of the closeness XXXX. ) I was a XXXX resident at the time. XXXX of the creditors, XXXX XXXX XXXX protested the XXXX XXXX Courts XXXX and the case was dismissed on this technicality and reopened XXXX. The other sited dismissals are movements through the court or a conversion from Chapter XXXX to XXXX. Mortgage Investors denied my XXXX Dream mortgage based on this inaccurate information. Whoever reported this did not read the case and reported this in bad faith and in lieu of an understanding of Bankruptcy law.

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: There are XXXX ( XXXX ) recent inquiries ( XXXX XXXX XXXX - XXXX/XXXX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX/XXXX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX/XXXX/XXXX ) ; XXXX XXXX - XXXX/XXXX/XXXX ; that were not authorized by me or permissible in accordance with the Fair Credit Reporting Act, Section 604. Despite my attempts to resolve this matter via telephone, I was unable to get assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: The debt collector called and told me that if I did not set up a payment arrangement that second that they were going to send out the police and have me arrested for credit card fraud. I did nothing for I talk to the credit card company and try and set up payments but they would not accept my payment because I can pay them only what I could which was minimal. Even the debt collector would not accept my payment because they said they were too small and I told him that was all I could afford yet they still threaten to have me arrested in the IRS come after me if I do not pay this. It 's in the amount of {$840.00} and its portfolio recovery and they have not made a formal notice that the amount what the date is for and everytime I ask I wo n't tell me they just say they have the dead in their office and it 's {$140.00} and I need to pay it now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-12-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: On XXXX XXXX, XXXX I came to your dealership to test drive a XXXX XXXX. I had no intentions on buying a vehicle but I did eventually buy a XXXX XXXX XXXX. My sales person was XXXX XXXX XXXX XXXX, XXXX. I specifically told XXXX XXXX if their ( XXXX XXXX XXXX XXXX ) could not finance the vehicle for me, then I will not pursue getting the vehicle and do n't run my credit with any other financial institutions because that will drop my credit score. Because I did not authorize these inquiries I ask Equifax , XXXX and XXXX to remove them and I was told to contact XXXX XXXX XXXX and have get in touch with them to remove those inquiries. So, I wrote a certified letter to XXXX XXXX XXXX asking them to have those inquiries removed and I have n't heard from them and the inquiries are still impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OR).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: Equifax purposefully makes it difficult to obtain your report. The qualification/verification questions are extremely precise. Nobody is going to remember what their autopay loan payment from 10 years ago was. The result of missing the questions is you are locked out. 

Then to make it worse, the website set up to dispute DOES NOT WORK. It's almost as if they don't want you to work on your credit!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/24/2015 about Debt collection (I do not know) with ERC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call from various numbers. When I answer they hang up. Once when I did talk to someone I was told they would be filing a lawsuit against me. So I asked them to send me something in writing and the have yet to do so. But, I keep getting these calls with no one at the other end. 
Here are the numbers : XXXX XXXX XXXX XXXX XXXX XXXX

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 02-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with TRANSWORLD SYSTEMS INC (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Had a period in time where finances were struggling.

Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The company CITI.Card -XXXX  XXXX XXXX XXXX, is not honoring the information provided in XX/XX/XXXX via Phone. 
I called the in XXXX specifically to asked them when was the last day to close the card in order to avoid the fee of {$450.00} for another year service and they mentioned to me that was XX/XX/XXXX, I even asked them if I can close in XXXX and they mentioned to me that will be best to wait until XX/XX/XXXX because the fee will not apply. 
Since End of XXXX I been contacting the card company to reimburse me the {$450.00} and XXXX from the citi via Chat confirmed that was their mistake and they will reimburse me via check to my address but already past more than 20 days and I never received the check so I called the citi spoke with XXXX ( XX/XX/XXXX XXXX XXXX ) the manager and he is telling me that the company don't reimburse the annual fee even if is their mistake as a company police, this is absurd, the account was close before the new cycle year.

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 06-05-2015 about Mortgage (FHA mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (KY).
Issue: Loan servicing, payments, escrow account

Complaint: In XXXX I signed a Loan Modification with Bank of America. 
In XXXX Bank of America mailed me documents asking me to re-sign, when I called they informed me that they did not send the documentsand to please disregard. Every XXXX months I would receive the samedocuments and now in XXXX they inform me that there was in erroron the documents that were signed and I must re-sign. Now all ofthis has brought to my attention that there is a discrepancy withthe modification amount, a {$4000.00} difference. When I try todiscuss with them, no one can answer my question. I then callthe Dept. of HUD and they informed me that Bank of America hasalready been paid and if I sell or refinance I will pay Bankof America and Dept. of HUD. The modification amount was only {$4600.00} and Bank of America reports on my monthly statement {$8600.00}. When I ask for a break down, no one will help me, theyjust mail me letters stating I owe the {$8600.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (ID).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Refuses to report to the credit bureaus that this debt is paid after they settled with me. Paid off settled amount and now is stating I owe remainder and that the payment is late. Tried multiple times to contact agency and then transfer me and will not talk with me.

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Student loan (Federal student loan servicing) with NELNET, INC. (SC).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: My loans was increase without me knowing and i was n't aware of it. I was also given a low payment plan being income based.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Checking or savings account (Savings account) with TD BANK US HOLDING COMPANY (NJ).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I have a TD Savings account ( with the bump ). This account currently pays 1.00 % for the amount I have in the account instead of a regular ( no bump ) 0.35 %. I recently noticed that I am collecting a smaller amount and contacted TD Bank. 
The bank apparently switched me to a new sort of account, with different terms without notifying me. The new account has different qualification requirements, which meant that even though they deceivingly called my account with a bump I was not actually earning it. 
After a handful of conversations with the bank, including branch and customer service line. I was first told that I am owned back interest, but I was later told that TD does not have to pay me any back interest.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Mortgage (Conventional fixed mortgage) with loanDepot.com, LLC (FL).
Issue: Application, originator, mortgage broker

Complaint: I applied for a loan with Loan Depot XXXX. The process was a nightmare but I have a specific complaint about the loan. Loan Depot sells the loan to a 3rd party. They approved and " funded '' the loan on XXXX XXXX. That is when I started paying interest on the new loan. However they did not pay of the old loans until XXXX XXXX. I was charged duplicate interest for the loans during that period of time. I should not have to pay interest on a new loan until they actually fund the loan and pay off the old loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2016 about Mortgage (Home equity loan or line of credit) with CITIBANK, N.A. (VA).
Issue: Loan modification,collection,foreclosure

Complaint: I had an outstanding home equity loan ( HEL ) with Citibank and was about halfway through the payment cycle. However, in XXXX, I declared bankruptcy and the property that the HEL was held against was foreclosed upon by the private mortgage note holder. Since I have no other property ( real estate or personal ) that could be used as collateral, I requested that Citibank remove the lien from my credit report ; per their XXXX XXXX XXXX letter, I can request that since the property is in a foreclosed status and I have no other assets they can claim. I wrote them on XXXX XXXX, XXXX but have not heard back. I contacted the New York XXXX but CitiMortgage refuses to provide them any information.

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 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, as well as SSN and DOB in order for it to appear in your personal credit file. The Credit Bureau has not updated the information and per the new law, true Bankruptcy listed does NOT include this information and should be deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2017 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (MI).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: I pay XXXX XXXX monthly for car payment and I 'm having hardship because I am a XXXX attending college for the next 4 years. I pay for school and rent. I 'm XXXX/XXXX XXXX. I 'm on a XXXX income. I have a XXXX on the way. I need to lower my monthly payment so I can live comfortably with my XXXX. I applied to refinance my car at different banks and were declined due to high mileage on my car. My car is XXXX and is in a good shape.

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 12-06-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am enrolled in Public Service Loan Forgiveness ( PSLF ), and I have been making on time payments since around XX/XX/XXXX when I enrolled into a income based repayment plan. Since XX/XX/XXXX I have worked, full-time, for qualifying institutions for PSLF, except for a month and half in between jobs in XX/XX/XXXX. 

1 ) XXXX XXXX : XX/XX/XXXX - XX/XX/XXXX [ 24 months ] 2 ) 501 ( c ) ( 3 ) - XXXX XXXX XXXX : XX/XX/XXXX - XX/XX/XXXX [ 15 months ] 3 ) 501 ( c ) ( 3 ) - XXXX XXXX XXXX : XX/XX/XXXX - Ongoing [ as of XX/XX/XXXX -- 12 months ] I have worked for qualifying institutions for a total of 51 months as of XX/XX/XXXX. I have been making on time payments since around XX/XX/XXXX when I enrolled into a income based repayment plan. I have re-certified my payment plan each year on time. However, for some unclear reason, the Dept of Ed only calculates around half of these payments. I have requested formal review by a supervisor at the Dept of Ed twice, and they have still not cleared this issue up. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2016 about Payday loan () with SFS, Inc (NY).
Issue: Payment to acct not credited

Complaint: one click cash payday loans charged my account 5 times different amounts causing it to go over drawn by XXXX the new York state attorney general office want after this company and I do not own on this loan but I owe XXXX to XXXX for the a tamps to taking out money for payment I want this company to pay XXXX the XXXX fee

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/19/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This account supposed to be closed and has a XXXX balance. please fix this issue with Equifax crdedit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Debt collection (Medical) with Tulsa Adjustment Bureau (AL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I only found out that I have collections after me by checking my credit report. 
I was never contacted by the creditor, nor the collections bureau about the amounts owed. I have received nothing in the mail and no one has attempted to call. Being fully unaware that I owed the creditor a balance, I do not think it is fair to have had this passed on to a collections bureau as it is making a great impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Ashton & Weinberg, Inc. (TX).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Repeatedly Calls asking me for my credit card information and asking why I do n't pay with one of my credit card that he should not know about because the account does not pertain to me, it is for my husband. He is very very rude, and gets aggressive with me, gets angry because I do n't pay full amount and because I pay with a check.

Company response to consumer: Closed with explanation
Consumer complaint received 10-04-2017 about Payday loan, title loan, or personal loan (Payday loan) with SECURITY FINANCE CORP (LA).
Issue: Struggling to pay your loan

Complaint: I an contacting yall for a second time, someone from the company has contacted me about the issue, but my problem hasnt been resolved! They clearly terminated the person doing what she did, BUT now she has disclosed my information to other people that have been contacting me through social media and sending me messages. I WILL NOT be threatened due to this company issues! I have screenshots of everything also screenshots of the emails from a lady that is trying to handle everything but she is not helpful at all towards me! 


I want this resolved and something done!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AR).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I recently received my credit report XX/XX/XXXX from all three bureaus and I noticed multiple inquiries from what looks to be auto finance companies and banks. I filed an identity theft complaint with the FTC XX/XX/XXXX and froze my XXXX  credit file ( online ). I named each inquiry to the XXXX rep as she removed the inquiries. I'm awaiting a updated copy of my report. I contacted XXXX and noticed several inquiries that I complained about around XX/XX/XXXX ( and was told were deleted ) that were reinserted for some reason. Both XXXX and Equifax stated I would have to reach out to the merchants to dispute the inquiries. 

I do not believe this can possibly be right, being that I NEVER authorized any of these inquiries which is why I filed an id theft report with the FTC. Not only should I not have to reach out to someone I have no business with, but these reporting agencies shouldn't be allowed to report inaccurate and unauthorized information. 

I can say I have two vehicles that are account holding and am NOT in search of a new vehicle nor any form of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/17/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (AR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: A account was opened in another state when I was XXXX XX/XX/XXXX, When I called Dish network and told them about it. it was removed. Now here XX/XX/XXXX they come back saying it was for my address which I never had account with them in amount XXXX and change. I sent a police report and stuff to everyone XX/XX/XXXX that several accounts where open when I was deployment. No one was living at my house at the time. So no XX/XX/XXXX they keep sending it to different collection agencies even after I talked them and agency returns the account back to after looking at the dates. and all XXXX XXXX is say that they are informing of a debt and do I still the equipment. I did n't sign for or authorize this account and after checking with my ex wife to see if she did where she was living she said no.

Company response to consumer: Closed with explanation