milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/13/2015 about Consumer Loan (Installment loan) with USA DISCOUNTERS LTD (OK).
Issue: Problems when you are unable to pay

Complaint: In XX/XX/XXXX I purchased a TV on contract from USA Discounters, I was laid off a few weeks later. I was unable to meet the agreement and defaulted. USA Discounters began to harass me thru phone, email, and third party contact. I mailed a cease and desist letter in XX/XX/XXXX as well emailed and verbally informed then of the XXXX XXXX XXXX. Then then Sued me in XXXX a state that I have never lived in nor been to. For the last 5 years now they continue to harass me, friends and family in a attempt to have me pay for the loan. Today XX/XX/XXXX XXXX XXXX with USA Discounters / USA Living. called a third party friend to reach me, also back in XX/XX/XXXX they called the same third party and openly discussed the account with him. I called today XX/XX/XXXX USA Living to discusss why they continue to not fallow the XXXX XXXX XXXX order, I spoke to XXXX XXXX. He claimed there was no XXXX & XXXX on file but did acknowledge the emailed XXXX & XXXX as well as the verbal XXXX & XXXX back from XX/XX/XXXX as well as USA Discounters releasing private account information to the same third arty they called in XX/XX/XXXX he said it on in the notes in the file. I again claims that they will not call me or any third parties again, but I have been told that over XXXX times and it continues to happen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-10-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX has recently changed an account on my credit report from a closed status to and open status, this account has been closed and was assigned to a collection agency by the name of XXXX I finally have had my credit report free of this collection and account now its reflecting as an open collection account and should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/28/2016 about Credit card () with DISCOVER BANK (TX).
Issue: Closing/Cancelling account

Complaint: Discover close my account for no reason given. They closed my account when I was shopping without sending me a notice ( I got that notice a week later ). Moreover, They refuse to send me the matched cashback that they promised when they encouraged me to apply.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2017 about Debt collection (I do not know) with Merchants' Credit Guide Company (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Checked my credit report, around XXXX XXXX, 2016, and noticed Merchants Credit Guide reporting a negative collection account. I immediately disputed it with all XXXX major credit bureaus and also mailed Merchants Credit Guide two letters to either verify or delete this account from my credit report. I still have not received any response to my second letter which I sent by USPS registered mail with return receipt and will be attaching all documents that I sent them and the proof of delivery.

Company public response: Company disputes the facts presented in the complaint
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. (OR).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: My personal information was put at risk due to negligence in digital security.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2016 about Credit card () with STERLING JEWELERS, INC. (CA).
Issue: Other

Complaint: I returned three rings to XXXX on XX/XX/2016. Items were returned and I have yet to receive refund. I tracked the items and kayoutlet received the returned items on XX/XX/2016. It 's been well over 80 days and the {$2000.00} has yet to be refunded to my Kay jewelers credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (WV).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I had noticed that Portfolio Recovery added a {$380.00} charge from capital XXXX on my credit report. It shows date opened XXXX/XXXX/XXXX and date updated XXXX/XXXX/XXXX. I contacted capital XXXX on XXXX/XXXX/XXXX regarding this because I have never in my life had a capital XXXX account. They insisted this will not be on my credit report until a proper investigation has been conducted. XXXX failed to even let me know about this debt and I never ever received anything from a capital XXXX! This needs to be removed from my credit report as this is an account I never had in my life. Also XXXX failed to even let me know anything about this debt, did not even give me a chance to validate or dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Payday loan () with LDF Holdings, LLC (IL).
Issue: Received a loan I didn't apply for

Complaint: Got a call from a company called Radiant cash stating a loan was taken out in my name XX/XX/XXXX. These funds was deposit into an XXXX XXXX account which has been closed since XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-05-2016 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Complaint against Chase - servicer abuse. 
There is not one point of contact for this account. 
On XXXX XXXX, 2016 our attorney stated he spoke with XXXX XXXX ( XXXX? ) who sent a letter from XXXX, XXXX and told him she was reviewing the file and would get back to him in a couple of weeks. 
On XXXX XXXX, 2016 our Attorney was given the names of XXXX XXXX, phone # XXXX x XXXX and XXXX XXXX, phone # XXXX XXXX as the contacts to call to make arrangements to pay on a trial payment plan. We were told to call these people to go through with a trial modification before XX/XX/XXXX. 
However, a letter had been sent by me to Chase, Attention XXXX XXXX on XXXX XXXX, 2016 and again on XXXX XXXX, 2016 in XXXX, XXXX, stating that we had not requested such a plan, with a copy to the Chase office in XXXX, XXXX at XXXX XXXX XXXX. We cited the Complaint # XXXX sent to the CFPB on XXXX XXXX, 2016, which outlined our serious concerns with the terms and conditions of the proposed payment plan, and other requirements designed to waive our basic rights to due process, which were deemed unconscionable. 
On XXXX XXXX, 2016, I called XXXX XXXX who was not available so I left a message. I then called XXXX XXXX at XXXX.who also was not available, but after a holding period, XXXX XXXX came on the line. She was not familiar with the status of the account and put me on hold again to review. She came back on the line and asked if I wanted to make a payment. I told her I had questions regarding the terms, e.g. how is the payment amount determined ; what is the payment applied to ; how is the modification amount determined ; is a title search done ; are we eligible for loss mitigation, none of which she was able to answer. She gave me the following address to send a dispute : Chase ( Mail Code ( XXXX ), XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. She told me that XXXX XXXX was not in XXXX but was in XXXX. She told me that XXXX XXXX 'could not handle everything ' because there were 'other departments involved '. She was aware that another office in XXXX, XXXX has sent other communications to us. I told her I had previously sent a dispute to both XXXX and XXXX ; she said that the department for disputes is in XXXX. XXXX XXXX thanked me for the opportunity to 'provide excellent customer service '. 
I faxed the dispute to XXXX on XXXX XXXX, which had previously been sent to XXXX XXXX and the XXXX office and the CFPB XX/XX/XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XXXX : :XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, 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 explanation
Consumer complaint received 03-04-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NC).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Harassing phone calls, upwards of 12 times a day. I have informed them off being hard of hearing and phone calls are not best for me, no change. They have also called personal references in order to get payments on loans. They have called my inlaws, which I have never given their information to.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MT).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: On XX/XX/17 we purchased a XXXX XXXX XXXX from XXXX XXXX XXXX. We were told it would be very hard to get approved for this loan so I was a cosigner. They kept trying to get us to buy a different ( more expensive ) vehicle. Finally they were able to find someone to finance the car. Santander Consumer USA was apparently the only place that would finance us, and at an 18 PERCENT INTEREST RATE. Yes for an auto loan. Neither of us had bad credit scores at all. The payment for this car is about XXXX a month for a {$26000.00} loan, half of the payment goes towards interest. We consulted with a few people and we were told that there 's absolutely no reason for that high of an interest rate or payment. We also wo n't be able to refinance until we pay down to {$21000.00} and currently the payoff amount is {$29000.00} due to fees, interest, and finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: Retail installment credit agreement entered into on XX/XX/2015 for XXXX to purchase a used vehicle with Santander. When the vehicle was delivered it would not even start, and had several mechanical issues that were not disclosed from the seller. 

When the dealer was contacted, there was no response, and eventually we discovered from the police, that the dealer had been shut down for fraud issues. 

Contacted Santander to request that the check being issued to the dealer was stopped. 

The check was sent anyway - after the request to stop the process. The title was send directly to me. 

I contacted Santander to discuss the issue and determine what can be done to rectify this situation. Working with XXXX XXXX we discussed the a potential modification to the original agreement taking into consideration the numerous repairs required. 

During these negotiations i was informed that XXXX XXXX was not longer with the company, and was sent a modification agreement that did not reflect the terms discussed. I " redlined '' the agreement, and returned to Santander, who rejected the agreement due to " changes to the document. '' Since that time, I have had numerous calls with customer service and collections to discuss the issue - which always result in the same conclusion. " We will notate and someone will get back to you. '' Last week, the vehicle was repossessed - and just to add to the issue, my yard was torn up and damaged in the process. 

I have contacted Santander to discuss this issue several times since the repossession, with no resolution. In fact, customer service/collections agents keep telling me that the car loan is past due and ask me to explain the issue AGAIN ... even though it is in the notes of their servicing system. 

I requested a copy of the pay history, all correspondence and the notations - the CFPB servicing file - from Santander, and only received a pay history. 

I received a notice today, that they intend to sell the vehicle in a private auction on XXXX - this disclosure did not include any details of the auction, or even provide the total amount due. 

I called again today to discuss, and after 2 hours on the phone explaining the situation AGAIN, I was transferred to the Office of the President, where I was played a recorded message without ability to leave a message. 

In summary - this complaint is for Confusing, time-consuming, and unhelpful customer service. 
Repossession of the vehicle without completion of the mod Delivered a vehicle that is not worth the original value considering the condition Invested over $ 24K in repairs that is not being accounted for Improper demand notice - for sale of the asset

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other

Complaint: The Home Depot/CBNA account # XXXX is showing a negative 30 day mark on my credit report for XXXX. I have called them to dispute this multiple times as I was not aware that a payment had not processed. As previously stated to them, this was set up on auto pay with my XXXX account, NOT home depo, and for whatever reason did not get to them. When I was notified, I immediately paid the account and it is even paid in full/off. Home Depo had very good customer service and understood what happened, they refunded all the fees and late fees associated with the error. I appreciate that, however I do not feel this should have been reported on my credit report. I have talked to multiple representatives after, and they all advised that once reported they cant remove. They again proceed to say we updated everything on there end and credit me any fees, however I am disputing the 30 day late reporting on my credit report. I kindly ask you please remove or advise what next step I need to take as I strongly feel this was incorrectly reported. 

*note you have removed ALL fees, therefore based on this you acknowledged this was an error, please move 30 day late as well.

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 01/21/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: In relation to Navient loans assumed in my behalf from 2009 to present. Through XXXX University, I had requested a LOA due to XXXX ; the Student Advisor never released me from classes and they still charged me. XXXX is still trying to charge to me {$5200.00} for this time period that I requested a medical leave. I did previously sign up as a XXXX student due to my XXXX XXXX and being on XXXX. They refuse to allow to me finish my last XXXX courses to finish my degree. I requested Navient REMOVE the XXXX loans from 2009, these loans were never received by me and XXXX had been sued for this time period. They will not. I had requested numerous times for income based repayment or forebearance, only for it to takes months ; interest and late fees accruing. The last forebearance request was met with an plethora of paperwork demanding doctors visits and XXXX, I already have Social Security and sent them the paperwork. I explained that was not necessary. I never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 09/17/2017 about Debt collection (Other debt) with Colony Brands, Inc. (NE).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: My original order was shipped to the wrong address. The company promised to resend the gifts to my mother. I made payments on the account but months later I asked my mother about her hat and dress and she informed me that she never received the gifts. I immediately notified the company, demanded a refund of the payments I made, and closure of the account. Until I saw the documents submitted for validation, this is why originally I thought this was a result of unauthorized use. I knew I did not owe a balance because I did not receive any goods or services.

Company response to consumer: Untimely response
Consumer complaint received 09-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I am listed as one of the hundred and a half million people whose personal information, including my Social Security number, was exposed by the Equifax exposure. Equifax did not properly secure my information, and they are not properly handling this breach -- including their potentially data-exposing request for entry of name and social security number into their breach form, which is very exploitable to further guess peoples ' information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2016 about Credit card () with SYNCHRONY FINANCIAL (MI).
Issue: Payoff process

Complaint: Synchrony Financial is taking extra payments that are being made and not applying them properly. They make it difficult to pay extra payments on promotional balances. They have also " made up charges '' that they have applied to my account that I continually have to call and get fixed. They can not tell me what these charges are. I have had to call weekly and argue with them on applying extra payments to my promotional balances and they continually do it wrong.

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 01/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I have submitted information to correct my employer 's information and as one can clearly see they list my work in XXXX Instead of XXXX. My second issue is that I use my middle initial and not my full middle name. My third issue is that I was denied a credit card through XXXX and was denied due to not having sufficient number of accounts. I also have accounts with XXXX and XXXX Gasoline which is not on the reports. XXXX of the bureaus does not list a previous account with the XXXX which is paid up. It is frustrating dealing with and attempting to dispute and clarify the above issues. I am also attempting to determine when I requested a credit report from the bureaus. I prefer to have them sent by mail and not through the internet as I then have a copy for reference, particularly if I do not have the luxury of a printer or if there is an issue with obtaining the copy. Once the information is lost, it is lost. Also, have tried to find the credit reporting agency that submits the information to the bureaus in order to expedite and correct these issues with no luck. Please advise. Thank you for your understanding and assistance in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ONLINE Information Services, Inc. (NC).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company is reporting a collection on my credit report for XXXX XXXX ( now XXXX XXXX ). I have never had an account with them. This debt is not mine. I contacted this collection agency on XXXX different requesting debt validation and they have responded to none of them. I have also disputed the account with the credit bureaus, to no avail. The account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Steward Financial Services LLC (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2017 I never gave permission to that company to check my credit score, And they did Hard inquiries XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 07/17/2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: On XXXX XXXX XXXX XXXX from Wells Fargo called me and left me a voice message advising me that he is sending Wells Fargo 's resolution as their response to my complaint to your office and on XXXX of XXXX I received his response from you via email. In his message he asked me call him if I had any questions so that we could discuss it. I have called his XXXX different days and left him a voice massage today that it is 5 business days after my call ( s ) he still has not responded. In his voice message he indicates & advises the customer to leave him a message and that he would return the call within 24 hours or One Business Day. Even his voice message is not based on honesty. 
I am filing this complaint because he has left me in the air without returning my calls and ignoring my concerns. W.F. is trying very hard to get my house foreclosed and have not cooperated an inch in the entire time nor wanting to help. Only with a logo of " We are here to help '' ( help whom, themselves or the customer?? ) a pretentious way of fake identity. 
Please contact this abnoxious man and ask him why he is not following the rules or any laws? Plus he did not acknowledge or replied to my concerns in my previous appeal. The only reason I can think of is because he has absolutely nothing to say in favor of Wells Fargo and he can not tell the truth either. 
I will hire a lawyer to sue Wells Fargo if they do not cooperate and help me save my house. His phone no. is : XXXX Ext. XXXX. 
Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation