milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-05-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with WORLD ACCEPTANCE CORPORATION (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I opened a small loan with this company who takes advantage of consumers having a hard time by giving them loans and charging an insane interest rate almost doubling the payback amount ... ... ... But I was struggling to feed my kids and keep my credit good so i opened a loan with the intention of paying it off and having a positive affect on my credit. 

XXXX into XX/XX/XXXX i defaulted on the loan because i was the sole income in my house and my fiance was a XXXX. He suddenty went back to work causing me to need last minute child care. I had to use my bill money to pay for care for my kids which set me back for months. I tried explaining this to them and they were very rude over the phone using profanity and just all around nasty. I still made a few payments after that trying to catch up but i just couldnt get back on track. This company also caused me alot of grief and stress as they would call my job to my BOSS 'S DESK PHONE ... ..ALL.DAY.LONG! Even after he asked them to stop calling they still called and almost caused me to get fired. The called my MOTHER and scared her as well and she doesnt even live in this state asking her for my wherabouts! They even came in person to my house and were yelling at me in front of my kids. 

This is very rude and unprofessional not to mention against collection laws. Fast forward to XX/XX/XXXX I paid them the balance IN FULL and requested as a coutresy for them to delete the reporting from the credit bureaus and they refused. I requested a call back from Manager XXXX who handles the Georgia offices XXXX times only to be ignored and never receive a call back. These people scared myself, my kids and jeopardized my job! These people should be ashamed and should be taken out of business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XX/XX/2016, I bought a XXXX contract at Target that included a Galaxy S5 cell phone. The phone HAD TO BE returned within 2 weeks to cancel the contract. I found XXXX 's rates too high and their service unreliable. Just before I bought the phone, customer service told me that this would not cause my rate to rise. After I bought it, they changed their minds. The new rate for the XXXX phone would have been over {$1000.00} per year. On XX/XX/2016, I returned the phone to Target before the XXXX deadline and got a receipt ( see p. XXXX of XXXX ). XXXX has been lying about the return date and billing me for an " early termination fee '' ever since, in spite of repeated attempts I made to correct this ( p. XXXX of XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Navient Solutions, LLC. (CA).
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 5 private student loans with Navient that became active this year. I am an active student working on my masters. I was notified by Navient this year that 5 of my loans with them have become active for payment. I started a payment plan with Navient on XX/XX/XXXX. They electronically withdraw their payment each month from my XXXX bank account on or around the XX/XX/XXXX of each month. Navient is reporting 60, 90, 120 day lates on my credit report for months they have collected their payment. Here are the dates : Credit report shows 60 day late XX/XX/XXXX when {$100.00} payment was made over the phone to stop harassing calls. Credit report shows 90 day late on XX/XX/XXXX when {$220.00} telephone payment was made on XX/XX/XXXX. Credit report shows 120 day late on XX/XX/XXXX when auto payment was drafted on XX/XX/XXXX. Credit report shows 120 day late on XX/XX/XXXX when auto payment was drafted on XX/XX/XXXX. I also show 90 and 120 day lates on my credit report in the year XX/XX/XXXX when I was an active student at that time and all of my student loans were DEFERRED. Here are those late dates : 90 day late for XX/XX/XXXX, 120 day late for XX/XX/XXXX, 120 day late for XX/XX/XXXX. I have tried calling numerous times and I have been unsuccessful in resolving this urgent issue. I have disputed these late payments with the credit bureaus and each time Navient responds with no changes made. I have sent written request via registered mail to Navient asking for this payment history to be corrected, and again they have not responded. I have emailed their complaint department and again, no response from Navient. I have depleted all of my options and I am very frustrated. Navient is hurting my credit and scores tremendously when they are collecting their timely payment each time. How can I possibly be late when they collect their money each month? I have proof of payment by providing a Bank statement for each month they claim the payment is late.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: What is this complaint about? 
When applying for a car loan the credit report from XXXX/Equifax is drastically less from my consumer pull than what the dealer came up with. My scores have been hovering at the same number for about a year. I additionally have different averages for the age of my accounts. My paid off debts to not show for some reason either. Lastly, when I tried to get insurance it seems my public record was mixed up with wrong person, however I have no insight into this issue now. 

What type of problem are you having? 
Inability to get public information or the reasons behind my credit score being low. IE : Through my requests it shows as XXXX but through a pull from someone else the score shows as ranges XXXX to XXXX. Not able to get insurance for new car. Not able to figure out what issues are happening for my records. 

What happened? 
I attempted to purchase a car out of necessity and had to co-sign with someone else because of the issues with my credit and possible identity. 

What company is this complaint about? 
Equifax, XXXX, and XXXX. 

Who are the people involved? 
XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (KY).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I was scammed by XXXX out of more than {$7000.00} dollars just for one semester. It did not improve my way of life or help with anything but increase my debt. I can not pay this back as I have no means too

Company response to consumer: Closed with explanation
Consumer complaint received 06/21/2017 about Debt collection (Credit card debt) with GRYPHON CORP. (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: This is about a complaint i loged against the company XXXX XXXX XXXX with the cfpb on XX/XX/XXXX for triying to garnish my wages.the complaint # is XXXX. 
In their response the company indicated That they no longer own the debt and i should contact XXXX XXXX  which is just a debt relief law firm.XXXX XXXX XXXX just send a certified letter to my job place to start garnishing my salary.they actually deceived the cfpb by saiing they transfer the debt to XXXX.the proof is XXXX XXXX XXXX is the plaintif against me ( i will attach the copy of the letter send to my job ) .As i said before why do they asking me to paid {$3800.00} plus interest of XXXX. 
I spoketo someone who said the debt is from XX/XX/XXXX and i can find it on my credit report.please help i makeabout $ XXXX/weekwith a family of XXXX.XXXX XXXX XXXXstill triying to collect with the help of XXXX XXXX XXXX XXXX.thznk you

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On XXXX XXXX, 2017 XXXX XXXX XXXX received a letter of validation from me. They responded on XXXX, 2017 with a letter and a contract that was allegedly signed by me. The thing is that company 's name is nowhere on the contract. I have never signed anything for XXXX XXXX XXXX. After all of that, earlier this year they repossessed my car after I made arrangements with them and paid money. I tried to get my money back but they lied to the bank and so I had to suffer the consequences. They practically stole XXXX from me, and then they lied about it.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2016 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: went to Equifax site and looked at my report and noticed bank cards in my bankruptcy had DATE REPORTED, this year and last year, I did my bankruptcy 5 years ago and have had good credit since. Then tried to click on the complaint key and got knocked out and ca n't get back to get my report. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

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 Experian Information Solutions Inc. (CT).
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint: On XX/XX/XXXX I called Experian to dispute information on my credit report and was put on hold and had the call disconnected. I spoke with XXXX from Experian and she told me she would need to transfer me to the Customer Assistance Special Services ( CASS ) I then got transferred to an automated machine that could not process my dispute.
I called back and spoke with XXXX over the phone and he said he could not transfer me to CASS dept XXXX XXXX because he does not have the capability to do so. XXXX transferred me to the dispute department which I waited on hold for another 20 minutes.
Then I spoke with Team Instinct XXXX on or about XXXX and she said she processed my dispute. I hope that Experian can help solve the hold and wait time because consumers should be able to dispute information online without calling.

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 02-02-2017 about Mortgage (Conventional fixed mortgage) with Security National Mortgage (NV).
Issue: Loan servicing, payments, escrow account

Complaint: Beside usual escrow payments like property taxes and homeowner 's insurance my lender included in the escrow account some supplemental payments like XXXX XXXX XXXX XXXX XXXX XXXX. I was billed for XXXX by the city and paid it by myself. Then I have recognized that my XXXX account is negative ( overpaid ) while I am short with my escrow account. As a result, my monthly mortgage payment increased and it seems that I just lend money to the mortgage company. All my attempts to talk to the customer support ended with their promise to move my request to the proper department, but no one came back to me whatsoever.

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 10-05-2016 about Mortgage (FHA mortgage) with Ditech Financial LLC (MA).
Issue: Loan servicing, payments, escrow account

Complaint: Ditech has not paid my town taxes from my escrow account, I have over {$3000.00} due and have had a open claim under investigation since XXXX. Have spoke. To XXXX seperate supervisors, XXXX and most recently XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2016 about Credit card () with SYNCHRONY FINANCIAL (AZ).
Issue: Rewards

Complaint: I applied for a Sams Club Reward Credit Card Reward, and I was sent a regular credit card with no rewards.

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 09-07-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Billing disputes

Complaint: I disputed a charge on my Bank of America credit card and provided copious documentation to support my dispute. BOA denied my dispute without requiring any information from the merchant OR providing me a valid reason why the documentation I provided was not sufficient. XX/XX/2016 I ordered an engraved cremation urn. Merchant engraved incorrectly. In my order I requested the name to be in ALL CAPITALS. Merchant did not do this. I initially tried to resolve with the merchant who refused to call me back or respond to emails, which necessitated the dispute. In my dispute I provided BOA a copy of my order which detailed the engraving request and pictures of the item received which CLEARLY show that the name was not engraved in all capitals. I also provided an outline of all my attempts to contact the merchant. BOA initially removed the credit card charge, but then requested that I find a third party expert to inspect the urn ( in person ) and provide written documentation to support my dispute. I responded to BOA, in writing, that this was not reasonable ( I did not know a local merchant who specialized in urns or who would be willing to get involved in my credit card dispute ). I outlined all of the documentation I had previously provided. I also asked BOA to provide me with the merchant 's response to my dispute, in addition to any documentation the Merchant was requested to provide to support that they fulfilled my order as requested ( to date, the Merchant still has not provided me with the item I ordered, for which I was charged {$140.00} ). Without any response to my written response/request for information, BOA arbitrarily denied my dispute. In summary, my complaint is that BOA did not demonstrate due diligence in their " investigation '' of my dispute. They totally disregarded the documentation I provided, they did not respond to MY request for information regarding their investigation of my dispute, they did not require the Merchant to provide documentation that my order was fulfilled as requested and overall did not protect my rights as their customer.

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 10/30/2015 about Debt collection (Medical) with Retail Merchants Associates (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: The debt has been paid and the company continues to report a balance on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Rewards

Complaint: I responded to an offer to upgrade my credit card and receive XXXX for XXXX airfare. I needed to call in a registration code and charge {$3500.00} by a certain date. I did, and a month later, verified. I was told to wait another 45 days to receive airfare certificate. I never received certificate and have called numerous times, being passed from dept to dept. Apparently, there is a communication gap between Bank of America and Visa, the XXXX companies involved. XXXX have told me the other is responsible for the reward certificate. Finally, after many unhelpful clerks, XXXX XXXX in XXXX, spent XXXX minutes making XXXX way calls to dept after dept with no success. I would have charged the required amount on a trusted card that has actually rewarded me. I responded to this offer a year ago, and Bank of America has had a security breach during the year, so my credit card number was cancelled and I was issued a new number, but it 's the same account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Access Receivables Management (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Our Business has been getting repeated very harassing phone calls from Access Receivables and their employee XXXX XXXX in regards to a debt with XXXX XXXX that we do not owe. He continues to call and yell at myself and our employees. He is attempting to collect debt that we do not owe and has not provided any proof of the debt. They have sent us copies of old contracts, but what they have sent is not current and does not support their claim of the monies owed. They have said it is early termination of an internet service contract, but FCC has banned early termination fees in business data services, so that point is moot. I have told XXXX many times to stop calling and he has ignored this request. He has called repeatedly and upset employees at our business that have nothing to due with vendor interaction or financials by being rude, disrespectful, and yelling. 

All bills have been paid through our cancellation date of XXXX/XXXX/2015. Actually we paid our bill for the entire month of XXXX 2015, so there would be no problems. That seems to have not been the case. There has been nothing but problems and actually XXXX owes us money and not the other way around if we were to push the matter. See our correspondences attached that were mailed and emailed to XXXX. I spoke with them about cancellation prior to ending service and provided all they requested. They even came and picked up the equipment in XXXX 2015. At this point we need all contact from the collection company to end. No more phone calls harassing our staff and telling our staff how bad they are and the verbal defamation of our company to our staff. It has been completely unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Kross, Lieberman & Stone, Inc. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent Kross Lieberman & Stone on XXXX XXXX, 2016 to request validation under the Texas Financial Code. On XXXX XXXX, 2016 i received improper validation from the Kross Lieberman & Stone. On XXXX XXXX, 2016 I sent Kross Lieberman & Stone another letter informing them that they did not properly verify the debit under the Texas Financial Code and that they either need to verify or delete the debit. Kross Lieberman & Stone received that letter on XXXX XXXX, 2016 and i did n't get a response back from them. I sent them one final letter on XXXX XXXX, 2016 letting them that they never responded to my request and that since they are refusing to acknowledge the debit validation or send me what i am requesting under the Texas Financial Code and i ask that they delete the tradeline since they are properly giving me the validation i request in my first correspondence. Once they received that letter on XXXX XXXX, 2016 and I never recvied anything thing else from them and they are still showing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I have previously dispute a collection account on my credit report from XXXX XXXX XXXX back in XXXX XXXX now is XXXX XXXX so it 's been past 30 days I call Trans Union XXXX number talk to representative and she had me on hold and came back every 10 minutes to say they 're still processing, with no answer, unacceptable I have a copy that I screenshot the email that I got from them that they initiated a dispute back in XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-05-2017 about Payday loan, title loan, or personal loan (Payday loan) with CNG FINANCIAL CORPORATION (VA).
Issue: Received a loan you didn't apply for

Complaint: Received the following email : Please note, I am not given a case file nor an account number. Yet I am given an amount of a loan that I never received! From ; Check n Go Services Total Outstanding Balance : {$940.00} ( Initial Loan Amount : XXXX + Interest : XXXX ). The above invoice for {$940.00} has now become seriously overdue for payment. As such, we would appreciate you making this payment as soon as possible. And, if there is a problem paying this amount owing, please contact me so that an alternative arrangement for payment can be made. We regret to advise that unless payment is received in next 24hrs this invoice will be passed over to court. This could seriously affect your credit rating so We urge you email us immediately to make payment or arrange an alternative. Following allegations has been filed against you ; 1. Debt Fraud 2. Violation of Federal Banking and Debt Laws 3. Wire Fraud ( Cyber Crime ).

Company response to consumer: Closed with explanation