milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/20/2017 about Debt collection (I do not know) with Chaplain Financial Services LLC (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, XXXX I missed a call from XXXX. I received a pre-recorded voicemail stating a simple suit has been filed with their company. In order for the process to be stopped I must contact their office immediately at XXXX and reference case number XXXX. If I respond to the message once contacted by the county processor I will be required to have two forms of identification and if I am served at my place of employment and I am not present my supervisor or human resource person will be required to sign for me personally, and stated I have been officially notified. 

On XXXX XXXX, XXXX I called the company back at XXXX and they asked me to verify my name and the last four of my social security number. I verified this. I asked them the reason for the voicemail and the representative stated I had a loan with XXXX XXXX back in XXXX. Then the representative stated I did n't make the because I was n't working was this correct? I stated I never had a loan with XXXX XXXX and I asked if she could send more info to me in writing, she refused and disconnected the call. 

On XXXX XXXX, XXXX I called CFPB to file a complaint and obtain the required information to file a complaint. On the same day I called XXXX and asked about the company and the loan. The representative stated they can not share any information about XXXX XXXX with me and that I will receive court documents to appear in court. The company stated they do mediations on behalf of XXXX XXXX. The representative did provide their company information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Untimely response
Consumer complaint received 08/30/2016 about Debt collection (Medical) with Franklin Collection Service, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This is a medical collection, for services that I received as a result of a car accident. I obtained an attorney who contacted all creditors and collection agencies to advise that the bills were the responsibility of the insurance company. To date the insurance company has paid all bills in full. However the collection companies continue to report derogatory information on my credit report, even after my requests through the credit bureaus that they remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 11-11-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have a XXXX account back in 2017 I borrowed XXXX from XXXX. I was put in the hospital and got behind on payments this XXXX they called me on a recorded line. I refinanced my loan with them for XXXX with no interest. I am making XXXX payments a month. They told me they would correct my transUnion report to show this I have been calling them for the last 3 months. Now they tell me I have to dispute it and when they hear from transUnion disputing the entry they will tell them the first loan was refinanced and the balance is XXXX. I am disputing that now for your information they closed there company in California the only one they have is in XXXX Illinois, My fist loan account # was XXXX, my refinanced account # XXXX this should be the only account please get this fixed. There telephone number is XXXX thank you for your help

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 05-06-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: I signed up for a Citibank Citigold account in XXXX XXXX partly because they had a promotion offering XXXX ThankYou Points if you met certain requirements such as paying a bill online. I met the requirements in XXXX XXXX and Citibank confirmed in writing ( via their secure E-Communications messaging system on their website ) that I met the requirements and I was eligible for the bonus. In fact, this was confirmed twice after I asked them where the points were because they did not post as they stated. I have attached those messages which also has the promotional ID that I am eligible for. 

I have been paying monthly service fees on this account partly because the points earned made paying the fees worth it. I think it is deceitful and misleading to promise points, confirm them in writing to me and then refuse to pay it. If I had not known I was not eligible as Citibank claims, I would have taken my checking account elsewhere and would have not been paying service fees.

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 08/24/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: transaction occurred on my account that was fraud, amount XXXX and I called my bank " chase '' with in days matters and issued my claim and a day. later I was told because I log in my account and did not report right away they denied my claim and I 'm not able a refund! witch is crazy because it was not me

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Payday loan, title loan, or personal loan (Title loan) with Westlake Services, LLC (CA).
Issue: Struggling to pay your loan

Complaint: I received a title loan on XXXX XXXX XXXX from Wilshire consumer credit for XXXX under my pink slip of my XXXX XXXX XXXX I 've been making payments ever month for the last 3 years my interest rate was 165 percent then on XXXX I asked for lower interest could not make payment so they lower to 46 percent interest I paid over 6k for this XXXX title loan and still owe XXXX I want my title back.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CO).
Issue: Managing the loan or lease

Complaint: Hello, I have an auto loan with this dealer in Wells Fargo Dealer services beginning in XX/XX/XXXX for a XXXX Ford Escape. I pay XXXX dollars on the XXXX of each month. I have asked on numerous occasions for the due date to be changed and was advised that I can not change it. 
I get paid once per month, the last working day of the month which I explained to them when ever I called. I would like them to change the date to the XXXX which would make it easier for me to be on time with my payment. 
Last year I paid after XXXX in XX/XX/XXXX or XX/XX/XXXX and it was reported on my credit and then on XX/XX/XXXX it was reported as paid and account in order.?? This has hurt my credit and is still hurting my credit. My bank has been paying continuously for me on XX/XX/XXXX and my account stays in od until my pay check goes in. I had spoken to them. they now are tired of it, which they should be and has asked me to try and fix the due date. It been late this month again because of all these situations and again its been reported on my credit and a fee charged. 
THEY HAVE CHARGED ME A FEE OF XXXX DOLLARS EVERY MONTH SINCE I OPENED THE ACCOUNT IN XX/XX/XXXX. I have paid some and now there is approximately XXXX dollars more still. Im not sure what the XXXX $ is for. I asked and they gave me a story. 
Today XX/XX/XXXX I called after being alerted on my credit. I asked again to have the due date changed and was hung up on twice before I got XXXX a supervisor. He insisted that I can not change the due date until I bring the account current. 
That is the reason I want the date changed so that going forward I can have it up to date.I will not be able to pay until XX/XX/XXXX, which will be past XX/XX/XXXX current due date. I will be charged a fee regardless and it will again be reported on my credit. 
I have 3 more years to deal with this because I need the car to take me to work. I need help please. 
This is not right for someone who is always paying but is being hindered from catching up because of their fees and refusing to assist so they can collect but in the samr breath is making my credit pay and my future in borrowing from someone else. 
Thanks for any 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 non-monetary relief
Consumer complaint received 04-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Transunion has been delaying disputes investigation. I initially have submitted a dispute to Transunion in XX/XX/XXXX. I have attempted to gather my score and report it is denying me. This is dealing with delay funding for my new business. Transunion is holding goals that can help myself and my family. I still have disputes on Transunion without proper notification or results of each investigation. The investigations started since XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have been trying to have these inquires removed from XXXX and equifax. I have had no luck. My ex husband who just recently is now XXXX tried to open things in my name. 
2 inquiries from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, fl XXXX. XXXX XXXX XXXX 2 inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, de XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nh XXXX XXXX XXXX XXXX 4 inquiries from XXXXr with no dispute information 1 inquiry from XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX 1 inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-07-2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (WA).
Issue: Loan servicing, payments, escrow account

Complaint: I sold my home which had an FHA loan and Wells Fargo was paid in full on XXXX XXXX. However, they charged me interest for the entire month of XXXX which was {$710.00}. They should have only charged me interest for XXXX XXXX. According to the rule below, they should NOT have charged me interest after the loan was paid in full. They are telling me that the rule only applies for loans that were originated on or after XXXX XXXX, 2015. Nowhere in the rule does it say that. It only says the rule is in effective on that date. 
DEPARTMENT OF HOUSING ANDURBAN DEVELOPMENT24 CFR Part 203 [ Docket No. XXXX ] RIN XXXX Housing Administration ( FHA ) : Handling Prepayments : EliminatingPost-Payment Interest Charges

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Following inquiries on my report are not mine and fraudulent ... Fraudulent Inquiries : - XXXX XXXX XXXX XXXX on XX/XX/17 - XXXX XXXX on XX/XX/17 - XXXX XXXX XXXX on XX/XX/17 - XXXX XXXX XXXX on X/XX/17 - XXXX XXXX on XX/XX/17 - XXXX XXXX XXXX on XX/XX/17 - XXXX XXXX on XX/XX/17 - XXXX XXXX on XX/XX/17 - XXXX XXXX on XXXX -  XXXX XXXX, XXXX on XX/XX/17 - XXXX XXXX XXXX on XX/XX/17 - XXXX XXXX XXXX on XX/XX/17

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/25/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: A Navient rep told me on the phone earlier this month that I qualified for and had been enrolled in an interest-only repayment plan. When I checked my account on the Navient website, it said I was denied for interest-only repayment, and the listed reason why was literally nothing besides " your loan is currently not eligible for the requested repayment option ''. This is not even close to an acceptable explanation, especially after the rep told me I was qualified. No explanation has been offered and I have been repeatedly denied this plan in the past without ever being given any reason or being told what I need to do to qualify. I am struggling to pay my loan and have been told by other reps several times that my only option is default.

Company response to consumer: Closed with explanation
Consumer complaint received 04-08-2015 about Debt collection (I do not know) with CAVALRY INVESTMENTS, LLC (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: They have XXXX collections that were dismissed with extreme prejudice from the courts and they have not removed it from my report. They continue to verify to the bureaus and have damaged my credit. If the collections were dismissed with extreme prejudice then they should not be on my report with any of the as it was not any fault of mine that they were even put on the report.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Debt collection (Private student loan debt) with Navient Solutions, LLC. (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: Navient is claiming to be XXXX XXXX, which doesn't exist. I have previously proven this, and via the CFPB process, I have provided telephone call recordings and revealed that Navient filled out two separate - both false - promissory notes. They then attached these via the CFPB process as fillable forms. So, their fraud is extremely evident and irrefutable. Now, Navient is claiming that I owe three different loans, which I don't. They have created this as a new listing on my credit report, and they took advantage of the California Wildfires by placing the listing when my fraud alert dropped off due to being displaced by the fires. I want Navient to stop  all forms of harassment and fraud. I have never borrowed from them, do not have any contracts with them, do not have any student loans, and don't appreciate that the government isn't doing anything to put these people in jail. I have asked for debt validation and verification multiple times. I have also sent hundreds of Cease and Desists. They will not stop. I should never be contacted by Navient. I have had no business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Checking or savings account (Other banking product or service) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XXXX XXXX, 2017 went to the bank Navy Federal Credit Union, to withdraw {$20000.00} dollars, for family support, was advised by the teller, the account was restricted. Spoke with asst mgr, XXXX XXXX, ( no help at all ) who stated the security dept has placed a restriction on the account to do an investigation for fraud. Advised no fraud on account, spoke with XXXX the manager who I gave the names of the persons who wired the monies. As of today, the account is still restricted ( 23 days ) no notification given by the security dept other than I would be notified when the issue was resolved. Is this a good explanation for you, not for me. This continues to this day I have been hung up on via telephone by supervisors, provided no information concerning the investigation. I am unable to pay my bills, there are about {$500.00} overdraft fees accrued on the account, due to not being able to move money. I have written to the President of the Credit Union, and received no response back. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 12-06-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Refianced our mrtg with XXXX in XXXX 2015, had free month of XXXX not pymnt due, made XX/XX/XXXX pymnt to XXXX. At the end of XXXX were contacted by Green Tree telling us that we owed them the mrtg pymnts, showed proof that payments were made to XXXX XXXX via bank statements. Was told to make pymnt to Green Tree instead which we did for XXXX, in mean time while investigating the payments for XX/XX/XXXX we were reported as being 60 days late in XXXX when all payments had been made on time. Our XXXX pymnt was applied to XXXX and XXXX pymnt was applied to XXXX, which they reported us at that point of being 60 days late for XXXX. On XXXX XXXX XXXX returned XXXX payment to us and we contacted Ditech immediately and made that paymnt back to them. We also made our XXXX pymnt to them which was completely cleared from our account on XXXX XXXX and was not applied until we contacted them on XXXX XXXX. Instead of applying the pymnt and post dating it back to XXXX XXXX they left it at the XXXX which then made us late and we were once again reported as being late. We once again contacted Ditech and after speaking with a lead agent named XXXX we were informed that our account was a mess for several reasons. First Ditech was buying out Green Tree which changed their computer systems and things were a mess because of it. Second we were informed that the mortgage company can not report your credit status for the first 60-90 days, especially when XXXX payment was under investigation. XXXX XXXX was not supposed to return XXXX payment to us, they were supposed to forward it to Ditech. XXXX Ditech held our XXXX payment for unnknown reasons and when we called to have it corrected the person who applied it should have corrected back the posting date to the XXXX. XXXX was very helpful with clarifying the notes to the dispute department and I was informed that the incorrect reportings to the credit departments would be corrected by XXXX XXXX and XXXX XXXX. We received a letter in the mail from Ditechs dispute center informing us that all of the reporting of being late were correct and would not be changed on our credit reports. This is a very troubling situation for both my husband and I and if we had known what bad service and business service XXXX was putting us in, we would never have refinanced with this company. We have made the first 4 months mortgage payments to XXXX different mortgage company 's and not one of them could get it right. PLEASE HELP US!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Consumer Loan (Vehicle loan) with UNIVERSAL ACCEPTANCE CORPORATION (NE) (WA).
Issue: Problems when you are unable to pay

Complaint: This company is scamming off of innocent people who just want to buy a car and improve their credit. First, they do not allow you to choose a car, they give you the one on the lot in the worst condition. for example, I purposely stated that I did not want a XXXX and that is the only XXXX they would let me have. I have since found out that the car is worth only {$200.00} and they charged me {$11000.00} for it with a 34 % interest. Since I bought this XXXX XXXX XXXX a year ago I have had to replace, the starter, the engine, the CAT, the ERG valve, the wheels, the tires, fix the alignment, complete new brakes, the heat and A/C do n't work, etc. The engine light is on even after their " mechanics '' claimed to fix it ... twice. The majority of what is wrong with the car is NOT covered on their horrible warranty. I have put over {$4000.00} worth of repairs into this car. I would like to also add that they have praised me for having perfect credit with them but yet the first time I was 5 days late on a payment the disabled my starter and would n't take even a partial payment to turn it back on, suffice it to add that I was willing to pay the full payment in 6 days but they refused to cut me any slack.They are charging me {$400.00} a month for a piece of garbage. I tried to trade it in 4 times and all said I was " upside down on the car '' which means I owe more than it 's worth. I AM looking into legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 03/31/2017 about Debt collection (Credit card) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In XX/XX/2016 I was a victim of Identity theft. Once I found out about this I filed the proper complaints with the FTC notified Capital One of the ID theft. I provided them with the reports and they closed the account. They then sold the account to this company who is now refusing to provide a dunning letter, accept my ID theft report or even validate the alleged debt after sent a letter demanding validation. The statutory time frame for validation is 30 days that has passed and no response. There answer to me over the phone is that they do n't have to validate anything, your not a lawyer you do n't know what your talking about and then offer me to settle the debt for pennies on the dollar. I have stressed to them that this is not mine and they do not care. They said Capital One would not have placed it with them if it was not my debt. I sent a do not call letter and they still call. I sent a debt validation letter that they ignore.

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I called Equifax on XXXX/XXXX/15 to report that I had been a victim of identity theft and to ask them to place a fraud alert on my credit information. I also asked for a copy of my credit report so that I could check the information. I was never told that I was entitled to a free copy and I was charged {$29.00} for the report. Yesterday, I received a letter from Equifax telling me that as a victim of identity theft, I was entitled to a free credit report. I called Equifax and they refused to refund my money. I think this is a scam -- they should have informed me of my rights up front.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-04-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I contacted the Bankruptcy court asking their method of verification and they responded saying they do not verify or validate any information to the credit bureaus. The credit bureau refuses to remove the information although they specifically told me they verify personally. This is a direct violation of my consumer rights and I would like the false information removed immediately from my 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