milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03-08-2016 about Consumer Loan (Installment loan) with ZARVAD III S.A. (CA).
Issue: Problems when you are unable to pay

Complaint: I sent the loan company a letter requesting them to revoke my ACH debit authorization based on my consumer rights. In addition, I asked that no phone calls be placed to my place a work or business. The days I sent the letter via email I received a call from a private number to my work and personal cell. A lady by the name of XXXX, told me that she would not honor the letter I sent asking to revoke my ACH debit authorization. She begin to harass me and became very unprofessional. I researched the company and found out they do not have a CA state business license and their fees for the loan was not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax reported a hack during which my personal and confidential information was listed as being in danger. This could lead to nefarious activities being carried out using my identity and is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Hello! Navient is now the administrator of my student loan and my loan terms appear to have changed based on what I see on the web site. I have a 3.25 % fixed interest rate with a remaining principal of {$9100.00} as of today, and I make monthly payments of {$170.00}. The web site indicates that I 'm on a 2-year interest-only payment schedule beginning XXXX XXXX and that my loan will be paid off in XXXX -- neither of which are accurate based on the terms that have existed since these loans were consolidated in XXXX. I have unsuccessfully tried to speak with a human being at Navient to ask about this many, many times. ( The line always disconnects before I am transferred. ) Additionally I never receive a call back from their automated system when I opt for that options instead of waiting on the line. I did not approve any changes in my loan terms and I would like documentation of my exact payment/payoff schedule to confirm everything is as it should be. Thank you for your assistance, and for your very existence as an organization!

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: my name is XXXX XXXX my social security number is XXXX date of birth XX/XX/XXXX address XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ny XXXX. i call XXXX office of consumer affair several time to tell them that i have fraud inquires on my credit file from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also XXXX XXXX, i stated to XXXX that these hard inquires arent mine and please can you remove them off my credit file but their response is that they refused to remove them, please take action against XXXX thank you

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 11/29/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: On my Equifax Credit Report, the account " XXXX XXXX XXXX '' should totally be removed. It was already removed from XXXX and XXXX but for some reason Equifax has n't removed it yet. I received a letter in the mail a while back saying they would remove the account from all XXXX credit bureaus and I simply need your help in getting this issue resolved as soon as possible. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Consumer Loan (Installment loan) with USA DISCOUNTERS LTD (AE).
Issue: Problems when you are unable to pay

Complaint: I had an account with USA Discounters and I saw that they are now going out of business. I received a letter from XXXX ( I am Military ) saying they were going to garnish my wages. I did not receive any paperwork or court order of having to pay them. I had trouble paying and they ended up suing me in XXXX back in XXXX 2015. I did not know that they did this and before tried working with them. Now that they are out of business how am I supposed to fight this? I am XXXX and according to XXXX I got the court order which I did not. What am I suppose to do to combat something I did not know was happening? I looked up Warrant of Debt ( that is what I guess they supposedly served me with ) and it says that they can not sue me in a state where a contract was not signed. I was in XXXX at the time and When XXXX said they sued me, I was in XXXX and the court proceedings were in XXXX. Attached is what I got from XXXX but never got any court orders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11-03-2016 about Student loan (Non-federal student loan) with LOAN TO LEARN (TX).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I called this Loan to Learn this morning to inquire about a forebearance and yo discuss past due amount. They transferred me to their loan servicing department at XXXX. The rep there was able to tell me how much was past due and how long, etc. However, she did not provide a lot of information about how we could work together. I asked about a payment plan and if they could work with me, the rep kept asking me how much I could pay. I told her the issues I was having and I would n't really know until XXXX. No payment plan was offered, the rep said it was ultimately up to me how much I wanted to pay and that I would still be reported to the credit bureau for delinquency. I am not sure how to get them to work with me, other then have them send me forebearance paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (AZ).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: This was escalated to claims with a complaint on  XX/XX/XXXX . My son deposited a check in his  ( min e joint ) checking account with Bank of America for {$400.00} in  XXXX   XXXX . He did this physically at the ATM. Before that happened he took a picture of the check and it failed to deposit so that is why he took the physical check to the ATM. He received his {$400.00} and never anything more this was in  XXXX  of  XXXX . In  XXXX  of  XXXX  he gets no warning what so ever and the BOA took that {$400.00} out of his account leaving him negative and without any $ $ going on a week now. BOA states they sent a letter after the money was taken from his account but we have not received it. I have called the bank several times and each time I am on the phone re-explaining my story over and over with no help. My calls are lasting anywhere from 40-60 mins. Instead of listening to me they keep trying to tell me the check image was not clear ( mobile picture ) so it was returned and the $ $ taken back. The problem being the mobile deposit did not go through we never received an extra {$400.00}. We only received on {$400.00} deposit from physical check. This is absolute insanity. This caused the account to be negative and left us with no $ $ in the account for almost a week now. I am utterly disgusted with the inability to trace back the circumstances and get my account credited in a timely manner. As of this write up I am still waiting for a resolution. They have been incompetent and have caused financial distress. I am disgusted! I can be reached at  XXXX   XXXX   XXXX . Thank you.

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 09/25/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: THIS DEBT FOR XXXX HAS BEEN RESOLVED PER THE XXXX. THE DAYCARE DID NOT FOLLOW THE PROPER BILLING PRACTICES AND PLACED THE DEBT IN COLLECTIONS. THE DEBT WAS ALSO PLACED ON MY BANKRUPTCY TO BE REMOVED. IT HAS NOT BEEN REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (TN).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I was not properly notified of this debt and it was illegally placed on my credit report without a chance for me to dispute it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/24/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I received an email from XXXX XXXX on XX/XX/XXXX indicating I have an account in collection. To my surprise, I see that my credit score has dropped over XXXX points for an account in collection for XXXX measly dollars that was apparently opened on XX/XX/XXXX. I have no idea what this company is or what this collection is for. This needs to be removed from my credit report IMMEDIATELY.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I originally signed up for XXXX service on XXXX/XXXX/2015. The service never worked properly and I cancelled my service and returned all the equipment ( I have a receipt for the return of the equipment ) before XXXX XXXX, 2015. Their service never worked properly, and the cancellation falls under XXXX 's publicly advertised " 30-day guarantee, '' as stated below : '' We will give you a 30-day, money-back guarantee. 
If you 're not satisfied with our TV, Internet, Voice or Home services and wish to cancel for any reason, you can do so in the first 30 days and get your money back. Simply return all equipment in good working order and we 'll refund the monthly recurring fee for your first 30 days of service, any charges you paid for standard installation and any Home Secure and Control equipment purchased. -XXXX website '' I have called XXXX on XXXX separate occasions in order to resolve this issue. Being XXXX, I recorded the phone conversation, and have retained a copy of the recording. I have copies of all other correspondence with XXXX. 

Now they have sent my account to collections with Southwest Credit XXXX XXXX. Since contacting them repeatedly seems to have no effect, I am submitting a formal complaint to CFPB today.

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
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit repair services) with EQUIFAX, INC. (PA).
Issue: Unexpected or other fees

Complaint: This is in regards to the Equifax breach. I was told that I may have been infected by the breach so I called the hotline and they told me to sign up for the monitoring of my accounts. My complaint is that it is for only one year and I feel this is not long enough because a thief would wait for the year and then try to use my data. This is like a money maker for equifax because if anyone wants the protection will have to pay for something that Equifax let happen.

Company response to consumer: Closed with explanation
Consumer complaint received 05/30/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: As a   XXXX   that qualifies for {$17000.00} in loan forgiveness, I attempted to call my lender several times to discuss adjusting my payment plan or making a lump sum payment on the remainder of my loans that will follow the forgiveness. There are not any options to speak with a representative through the phone, and after sending several emails over  a two mon th span, I have yet to receive any response to my questions and concerns. The agency has continued to send automated messages threatening my credit, while ignoring every attempt I have made to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: i fell behind on my mortgage due to a loss of income. i then contacted wells fargo to try and see what i can do to save my home. i have applied numerous times before to try and get a modification to possibly lower my monthly payment and interest rate and be brought current. NO ONE WILL HELP! i keep getting denied and this last time on XX/XX/XXXX they denied me bacause i did not have my income taxes done that i was not eligable and now i have a sale dat on my home on XX/XX/XXXX! I DO NOT MAKE SUFFICIENT INCOME TO FILE TAXES! please help me save my home!

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 03/25/2015 about Bank account or service (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (MA).
Issue: Account opening, closing, or management

Complaint: I wish to make a complaint against Santander Bank. 
All the banks I do business with post the interest on the last day of the statement cycle. Then the cycle ends at XXXX and the statementis printed to be sent out or available online. XXXX posts theinterest on the XXXX day after the statement cycle ends. In that case Iloose XXXX day of interest compounding. So, then the effective rate thatis incorrect.

Company response to consumer: Closed
Consumer complaint received 09-08-2016 about Student loan (Non-federal student loan) with AES/PHEAA (OR).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have to work XXXX hrs/week to afford my monthly bill of {$550.00}. PLEASE allow me to go on an income-based repayment plan. I can not afford this rate, and can not XXXX endure working XXXX hrs/week any longer. I am happy to pay for my education and the loans I took out, but with XXXX college degrees and working XXXX hrs/week with otherwise good credit, this is absurd. PLEASE help me. PLEASE lower my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Credit card () with DISCOVER BANK (FL).
Issue: Closing/Cancelling account

Complaint: I was a discover card holder as of 2012. During my entire card membership with the company, I was never late with my monthly payments, always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. 

About a XXXX months ago ( XXXX XXXX ), without any warning and notice in advance, the company closed my account and thereby wiped out my 3 years of credit history associated with Discover card. I contacted the company and demanded for an answer. Other than the excuse that " we are no longer able to meet your servicing needs, '' the company never gave me a forthcoming response. 

Most importantly, I have about {$1100.00} cashback bonus in my account when you close my card, and I was told by discover agent that they will return my cashback bonus in two bill cycles. But I wait for two bill cycles, and get nothing from them. 

Today ( XXXX. XXXX ), I called them about the cashback bonus. They told me that when my account was closed, the cashback bonus " was forfeited ''. However, in their website, they say that " We will credit your account with your Cashback Bonus balance if your account is closed or if you have not used it within 18 months ''. 

As a credit card company, the most important thing is to fulfil your promise ( contract ) with consumers. But now, this company uses its real actions to prove that they do not follow the contract. 

Moreover, upon the discussion I had with other cardholders and information I learned from the internet, I have a reasonable belief that the closing was targeted at a large number of cardholders with a particular racial and ethnic background ( more specifically, XXXX XXXX ) without a just ground. I believe that CFPB is or will be getting more similar complaints in the near future. 

I respectfully urge the CFPB to take this matter seriously and to look into this case. We consumers are powerless to protect ourselves from discriminatory actions like this. But if the closing was indeed motivated by racial bias, the company 's action has to be put in an end. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Experian, XXXX  and XXXX XXXX are ignoring my many requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked and my information has been leaked including the answers to my security questions. They have offered 1 year of protection for free but that does not guarantee my safety as all it takes is the criminals to wait one year to use my information to open accounts in my name. With my security questions they could also gain access to my bank accounts as well. This is very concerning and 1 year of protection will not protect me for long and will not protect me from all possible damage or heart ache this will surely cause.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with TD BANK US HOLDING COMPANY (NC).
Issue: Unauthorized transactions or other transaction problem

Complaint: It would n't let me use the app with my banking information

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Debt collection (I do not know) with AmerAssist A/R Solutions, Inc. (MI).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: A company called Amerassist has called my Mother in Law, my Father in law and a very distant cousin of mine, who I do not even have the contact information for myself, and has shared with them that they are attempting to collect a debt from me asking for information. They have called them on private home numbers and cell phone numbers, even after they ask to stop being contacted. I am unaware of any debt owed, and they are harassing people that I do not even speak with about alleged financial issues.

Company response to consumer: Closed with explanation
Consumer complaint received 04-10-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I can not keep up with the payments. When I first graduated I was unable to pay because I was looking for a job. Navient offered me deferment and forbearance options I took them. Now I am unable to pay because the interest was so high that my payments are {$1300.00} a month! There is no way that I can pay {$1300.00} a month, plus my rent, utilities, car payment ... on a XXXX salary. What started as a XXXX loan amount has mushroomed into a XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Credit reporting () with EQUIFAX, INC. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Information Equifax is incorrect they deleted my current address XXXX XXXX XXXX XXXX XXXX AZ XXXX and replace it with the address of a XXXX XXXX XXXX XXXX this not or never have been my address see atachments. 
Also these XXXX Accounts are not mine please provide me with proof in writing How I these credit accounts belong to Me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed {$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Closed Opened Date XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Open {$82.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX Original Creditor XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$82.00} High Balance {$23.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Closed {$0.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX Status Closed Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$0.00} High Balance {$40.00} Remarks Medical XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Byrider Franchising, LLC (NV).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: CNAC is a finance company in XXXX MI with XXXX XXXX. I have a loan with them from XX/XX/XXXX when I purchased a 2010 vehicle for fifteen thousand. As of XX/XX/XXXX and other numerous occasions, collections manager XXXX XXXX and account representative XXXX XXXX have misused my personal information and pulled my credit report either days before my car payment was due or two to three days after. XXXX says she does not know why XXXX pulled my report but she will ask her why. XXXX also stated the other credit pulls were " justified ''. I asked her how is using my social security number whenever they please and also without my consent, signature etc. justifiable and she did not reply. I have everything in writing emails. I refuse to make payments if I am going to be harassed for no reason and have my personal information misused and compromised. I still made the payments. I even put {$400.00} more to put me ahead on the next payment. XXXX " adjusted '' my payment and took {$100.00} out of the {$550.00} payment and put it towards their " cpi insurance ''. I do not have CPI insurance or proof of such so I am not giving them free money when my APR is already at 22 %. XXXX typed a Word document that has an Ohio company name on it. This company and its workers are a scam and a fraud and should not be in business whatsoever.

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