milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-11-2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (UT).
Issue: Shopping for a loan or lease

Complaint: Please see complaint Case number : XXXX - Where Nissan Motor Acceptance Corporation significantly abused an elderly victim and where they assisted a Nissan dealership in conducting fraudulent activity. 

This previous complaint was filed by myself XXXX XXXX XXXX with sufficient power of attorney to represent XXXX XXXX in the matter of fraud Nissan Motor company continues to perpetrate. Such POA had been previously provided ( on or around XXXX 2015 ) to NMAC so they were aware that I had this power and knowing I was an authorized agent of the victim should have appropriately answered the complaint and not just shirked such responsibility. 

Now in addition to the previous complaint it has come to our attention that NMAC illegally seized a refund of over {$6000.00} from a vehicle maintenance plan. This was paid for by the vehicle equity the victim was deceived into trading in and the demanded cash downpayment obtained through this elder abuse. As NMAC had no superior claim, and in fact, since there was no contract, NMAC had NO CLAIM to the proceeds of that refund. It is clear NMAC has no issue continuing its illegal behavior and in continuing to unfairly treat and abuse its victims.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2017 about Debt collection (I do not know) with PAYPAL HOLDINGS INC. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: complain against paypal. on XXXX XXXX, XXXX i bought something on XXXX for XXXX and paid for it with my account. on XXXX/XXXX/XXXX i found out my account was neg XXXX so i called paypal that same day. i talked to XXXX or XXXX people and they all told me that due to a policy change they could not collect money from a account that had a p.o. box on it which my does. so i told them i would check my bank to see if they did pay and if they didnt i would pay the bill. later that day i check my bank records and found they hadnt paid. so i tried to pay at least 3 times then i tried with a different card and because someone locked my account i couldnt pay. so the next morning i had to once again call paypal. after talking to XXXX or XXXX different people i got someone who was able to take the money over the phone and unlock my account. he then said everything was good and not to worry. but on XXXX/XXXX/XXXX i found that paypal had sent the XXXX back to my bank account. therefore once again i had to call paypal. i talked to XXXX or XXXX people and finally got a woman supervisor who explained the reason why they sent the money back to my account was because of all of the problems i had since their policy change, and all of the problems i had with different people working with paypal. she told me paypal was going to cover the cost and for me to not worry about it that it was a done deal and case closed. then on XXXX i found out that on XXXX/XXXX/XXXX once again paypal said my account was neg XXXX so i called paypal on XXXX/XXXX/XXXX. this time i got sent straight to collections and ended up talking to another supervisor who wouldnt not listen to anything i tried to explain and also said that woman i told him about could not and would not tell me the things i told him she said. i told him to check their phone records which are all suppose to be recorded and he would find out the truth. he would do it and said he was trying to collect a debt i owe. i told him that if this wasnt taken off my account i would close my account i have had for somewhere around XXXX XXXX XXXX years. he laughed and said i couldnt close my account until i paid the debt. now i dont want to close my account. but i will not pay this XXXX i have spent about XXXX hours and XXXX mins on the phone with paypal employees, i have spend XXXX mins sending and responding to paypals emails, i probably had spent another XXXX hours filing complaint with everyone i can to try and get this problem resolved and also maybe help anyone else who had this problem because of paypals change in policy dealing with p.o. boxes.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/13/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (ND).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: PHEAA/AES stated yesterday that they put an offset on my tax return. I already had payment arrangements set up and had made a payment. However they are refusing to release my offset. I was not notified beforehand of the intent to offset or that they were attempting to contact me. I have not received so much as a phone call from them. When I asked them to verify the number they had on file for my phone it wasnt even my number nor was it a number I 've ever had. However, they did have my email, which they havent sent anything to since XXXX/XXXX/XXXX. I have had the same email and phone number for more than 10 yrs. I am a single mother, in the process of divorcing a very XXXX man. During the course of my education, I was XXXX to point where I wasnt allowed to work out of the home and sometimes couldnt attend classes. At one point I was forced to drop classes and even whole semesters. The woman I spoke with said that they sent things in the mail, but I never got them. My children and I were relocated with the help of the XXXX XXXX XXXX. The mail service I was using went bankrupt and closed, but I put in a change of address form with the post office. I tried to explain all this yesterday, but it didnt matter. I feel like this qualifies as extenuating circumstances. When I asked her if I could provide documentation of the claims I made she said whats done is done. Your offset wont be returned. I asked her for documentation of the contact log. She said they were not required and were not allowed to share internal documents with borrowers. This specific loan is set up with XXXX XXXX for repayment and I have already made payments. Also, they represented themselves as the US Dept of Education when they submitted the request for offset. However, the US Dept of Education has no record of a loan even being in default with them currently. I am working wonderfully with another company regarding another loan, XXXX XXXX XXXX XXXX Maryland. Ive attached pictures of the XXXX XXXX I filed against my ex, my email inbox showing the last email I received from them and copy of my payment contract. My AIG for XXXX was less than {$23000.00} with XXXX kids at home.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Consumer Loan (Installment loan) with Atlas Credit Company, Inc. (TX).
Issue: Managing the loan or lease

Complaint: I took out a loan and because I got my due date confused I was charged late fees. I an accept that but, in XXXX I made a payment of XXXX and my monthly payments are XXXX so I was paying part of the late fees but not all. When the payment was applied it was applied towards part of the late fees first causing me to be late again and adding more late fees on the account. I believe the payment should have been applied towards principle and interest first then the late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (I do not know) with ProCollect, Inc (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is an apartment I did not ever reside at. I had a house at that time and did not live at this apartment at all. My house address was XXXX XXXX XXXX, XXXX, Texas.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: RE :  XXXX  and  XXXX  Credit Report    XXXX   XXXX    related creditors are still listed/showing on  XXXX   Credit R eporting what were included in a Ch  XXXX  over 10 years ago. The creditor  ( s )    XXXX  / XXXX  were included in case  XXXX  and should no longer appear as derogatory as appears now. I have attached court docs reflecting and have  XXXX   XXXX   Court of Florida discha rge documents as well to substantiate my claim.

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 01-04-2016 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: My Mortgage Company has a pay-by-phone option that I utilized in XXXX 2014. I lost the transaction number, so I checked my bank statement and verified that both the mortgage payment and the telephonic transaction fee had both cleared ( by name ). Within months I noticed that the XX/XX/XXXX payment was NOT acknowledged as received. I began receiving late fee charges, correspondance suggestioning financial assisstance (! ), and eventually threats of foreclosure (! ). Simultaneously I am attempting to go through the 'proper channels '. I contact the mortgage company telephonically, to no avail, all personell maintained that the payment had not been received. I then attempted to contact the complaint dept, and forwarded all pertinent bank statement info, also to no avail. I then secured legal assistance who again forwarded all pertinent info on my behalf. They ( legal ) also received the 'company line ' that the payment had not been received. At that point the my legal service suggested I contact CFPB, as solving this type problem falls within your specific function. Please assist as my Mortgage company is now threatening foreclosure within the month.

Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with CITIZENS FINANCIAL GROUP, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint: On or about XX/XX/XXXX a checking account was opened with Citizens Bank in XXXX, XXXX. On the checking account we added XXXX names-XXXX ( father ), XXXX ( mother ), XXXX ( daughter ) and XXXX ( son ). Our daughter and son were at college so we thought it would be best to have them on the account so that they can use it for their needs. My wife in I then opened a savings account with Citizens Bank on or about XX/XX/XXXX. Since we were going to begin getting gas royalties checks. However, since Citizens Bank has a policy that charges you for making so many savings transfers to checking we decided to close the savings account on our own on or about XX/XX/XXXX. We used the bank like we would use any other bank, made deposits and made withdrawals. Never having any overdrafts or other banking issues with Citizens. Then for some unseen reason we get a letter in the mail from Citizens Bank that you have 10 days to change your banking services that Citizens Bank was closing our checking account on or about XX/XX/XXXX. We contacted the proper area within the Citizens Banking ladder and were told, " We do not have to give you a reason for closing your account ''. End of conversation! We thought alright not a problem we opened an account with a local savings and loan in our community. All is well correct, wrong! My daughter ( XXXX ) graduates from XXXX XXXX and needs to open a checking account with a bank that will be close to XXXX, XXXX where XXXX will be doing a 24 month XXXX. My wife and XXXX go to the local XXXX XXXX to open an account only to be denied since my daughters name appears on the, " XXXX XXXX '' consumer report. Not only does my daughters name appear on the account, my son XXXX, my wife XXXX, and I, XXXX all have a consumer report from XXXX XXXX ( Citizens Bank ). Attached you will see my daughters and my wifes XXXX XXXX  file disclosure. There is no reason stated on the report and the files have been purged, so there is not even a record as to why the checking account was closed. We made contacts to XXXX XXXX and Citizens Bank-XXXX XXXX from the Office of the Chairman on about XX/XX/XXXX. We have been in contact with both companies since XX/XX/XXXX numerous times to get this resolved, nothing have been resolved at this time. This is causing my family embarrassment and pain. We are informed that this so called consumer report stays on our record for 7 years and we have done nothing wrong based on the report itself and as banking consumers. This bank ( Citizens Bank ) has ruined my familys credibility with all banks and making it very hard for my XXXX children to establish a banking account on their own as adults. I can not settle for nothing more than all XXXX of our names removed from XXXX XXXX immediately. Citizens Bank has the authority to remove all of our names and refused to do so to date.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: On XX/XX/XXXX I received a letter from Central Financial Control regarding a debt from XX/XX/XXXX.  I requested verification because I do not recall services from that hospital on that day and that send me a letter that has my previous name on it with a signature that does not look like mine. So they said they billed XXXX XXXX XXXX XXXX but I called them today and they said they do not have any claims submitted from that time. Also this company is claiming they sent me notice before I was placed into Collection but I never did. My secondary insurance XXXX XXXX was not billed either. This company is reporting false information to the CRAs and they said in their letter they will NEVER remove the Collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2015 about Credit card () with PORTFOLIO RECOVERY ASSOCIATES INC (GA).
Issue: Privacy

Complaint: XXXX, which controls The XXXX XXXX Credit Cards had extended my wife a line of XXXX dollars originally. We had good standing with this card for a long period of time despite the extremely assanine 25 % interest rate. It got to a point where certain interest points of XXXX and XXXX month special financing were dropping off and it was expanding beyond our credit limit and I was paying around XXXX dollars every three months to bring it back down below the minimum balance. After this occurred, XXXX lowered the balance and worked with us to catch it up. There was a disagreement on payment and the account went into collections after they tacked on XXXX dollars more and put us over the limit. Now it is with a collections company called Portfolio Recovery Associates LLC. 

They have been rude, and they have bombarded my phone XXXX times a day with varying phone numbers. They have initially failed to identify themselves until they try to bait me into identifying myself as " XXXX Husband '' to which they ask for no further identification questions. They do not verify that I am indeed who I say I am but then go into how she owes money and disclose personal information. 

This is a violation of Fair Collections, This is a violation of XXXX privacy as it 's advertising that she owes a debt - anyone can pick up my phone and say they are - there are laws to prevent this and I 've been rudely told there are not. 

I am not an un-educated fool and know otherwise. A supervisor attempted to get me to identify myself further only when I started mentioning the laws in our country against un-fair practices to which she said they 'd be calling back later. That is classified as harassment and a threat. 

They have also used auto-dialers on my cellphone a XXXX times to get me to return the phone call to speak to someone. 

Please see their previous and current lawsuits -The XXXX also says that : A pending class-action lawsuit filed in XXXX District Court in California in XX/XX/XXXX claims that PRA broke the law by using an autodialer to call consumers on their cellphones without permission. 
PRA lost a class-action lawsuit filed in XXXX XXXX XXXX in New York, and in XX/XX/XXXX was ordered to pay {$350000.00} to about XXXX consumers who claimed that the company included drafts of legal documents suggesting it would sue them when it mailed them collection notices. 

The Consumer Financial Protection Bureau has received XXXX complaints about Portfolio Recovery Associates between XX/XX/XXXX and XX/XX/XXXX*. Complaints about attempts to collect outstanding credit card bills, auto loans and other delinquent accounts include : Threatening a lawsuit or other legal actionImproper contact ( such as calling late at night or at work, frequent / repeated calls, or contact after the consumer had asked the company not to call ) Disclosing the existence of the debt to third partiesContinuing to attempt to collect debt that was not owed or that had been paid. 

This has also happened.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint: Please update and investigate my file.

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 06/18/2016 about Debt collection (Federal student loan) with United Student Aid (USA) Funds (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: In regarding the fraudulent accounts that USA Funds have tried to collect. The company refuses to provide validation. The company refuse to take in consideration that this debt is not mines and was open fraudulently. They have no original contract, they have no original documents, no documents that states they own the debt or can collect on the debt. I 've found out that the original creditor they claim they 're collecting for, has never heard of me. This company is practicing fraudulent agendas and have no regards for the law.

Company response to consumer: Closed
Consumer complaint received 06/16/2015 about Debt collection (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Took out pay day loan from Cash Central .... at ( as I found out later ) outrageous interest rate over 200 % APR ( at least ) Attempted to resolve the matter ( to reduce APR ) the refused to. 
They tried to get money out of me- I blocked them. 
Over 15 months later I get threatening calls from XXXX XXXX XXXX XXXX, stating that if I dont cooperate with them, they have server in the area to file criminal charges against me. They started to call everyone with the same last name and threatening them too. 
When I called back they said they were mediators and coned me to agree to pay them {$300.00} per month till I payoff ( {$5000.00} ). 
I paid them XXXX {$300.00} each time by my debit card so far, called to change due date and requested a slightly lower amount ( {$220.00} ) - they refused and first thing this morning I received a phone call from someone called XXXX XXXX stating she is local locator and she will be visiting me @ the place of my employment or residence with some court papers. 
At which I emailed them Cease and Desist letter ( to the same email address they were communicating with Me from ) and emails starting to come back as not able to communicate over the email demanding to call only. And then it changed to can not accept emails also. 
I did research on the firm and found a lot of complaints and there is even law firm investigating for threatening people with the same type of messages that I have been receiving from them. 
They Need to Be stopped and outlawed!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: The Credit Report Bureaus ( XXXX, XXXX, Transunion ) has decided that as of XX/XX/2016 that student loans from the Department of Education, should be reported in a way that negatively affects consumers that are under the IBR plan, PAYE, REPAYE, ICR.. As it is known our government has made efforts to facilitate low income citizens to be able to repay their loans. As we all know All Student Loans accrue compounding interest. For re-payers that falls into the above repayment agreements with the Department of Education, the original loan amount, will be lower than the current balance ( this could potentially change only if the holder of the note experiences a leap change in their financial situation ). 
The decision of Transunion, XXXX and XXXX to impose ( servicers like XXXX XXXX, etc.. ), to report " High Limits '' lower than the " Balance Amount '', impacted that my credit score - and I assure others as well- to decrease credit scores to a mounting XXXX to XXXX credit points. 
This means that lower income Americans are doubled affected by the decision made by this private institutions. The effect is represented as " overuse of credit '', " credit decrease '', " percentage of credit use '', that DOES eliminate opportunities for Americans to stay ahead of the most basic financial situation, like obtaining appropriate rent agreements, or car loan with affordable interest rates, car insurance, etc. In other words, for those that even graduating, with the expectation of achieving the " American Dream '', and fell into the cracks of the longer recession ever in the country, where not appropriate and decent paying jobs are available, their future is even more uncertain. 
My main question is : How is it possible that private institutions will diminish the effort of the Department of Education to help lower income payers? How could they get away with such abusive measurement? 
Let make myself clear, I am not arguing the fact that reporting should not happened, I think payments amounts, terms and late payments if any and so forth are " ok ''. That falls into the personal responsibility of the loan holder. But if even the holders of the student loans take the effort to not be in default with the Department of Education by enrolling in this other programs, why are they punished by PRIVATE organizations? 
I am speaking on behalf of myself and for the others that may have not realized yet the impact of this decision. 
I possess all proves of my complaint. I do not only demand a personal answer but a public acknowledgment of this issue. I will be willing to share my experience at a Congressional Hearing as well as I would like the CEO 's of these XXXX private credit reporting " agencies '' to provide a solution to their decision. 
I could be reached at XXXX, 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 explanation