milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2017 about Vehicle loan or lease (Loan) with UNITED SERVICES AUTOMOBILE ASSOCIATION (GA).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: On XXXX XXXX XXXX my husband and I were both approved for XXXX by Usaa for two auto loans. My husband purchased a new 2017 XXXX XXXX in XXXX, and on XXXX XXXX, I purchased a 2015 XXXX XXXX with 37,883 miles from XXXX XXXX XXXX for 26,745.50. Upon the purchase I called Usaa on the dealership phone because my cell phone battery was now dead, so in the presence of my husband, XXXX XXXX the finance manager, and XXXX my sales person, I gave all the information and we discussed the terms of 72/82 months and the interest rate of 4.59 % with a payment of XXXX as per my previous discussion which included the gap insurance. I received a call from The dealership three months later in XXXX informing me that Usaa had not funded the loan. I along with XXXX XXXX the finance manager spoke with someone in escalations at Usaa and they assured us in will be handled in two days. The loan funded, but to my surprise as I kept calling Usaa to understand why after the funding, my payments are conflicting to say the least. One note have the loan amount financed as XXXX for terms of 12 months interest rate of 5.3277 % and payment of XXXX, then the second note shows XXXX was financed with a 5.3252 % int rate and monthly payment of XXXX this is predatory lending. I was told by both XXXX XXXX ID # XXXX, and XXXX ID # XXXX that the representative XXXX choose the incorrect terms, and both acknowledged it was Usaa mistake, but the only way to resole the issue was to refinance the loan. I filed a complaint with the Office of the Comptroller of the currency and i received a call from XXXX XXXX in the office of the XXXX, who still insists that refinance was the only resolution, i agreed and give the okay to pull my credit and was denied due to not having enough credit. This is predatory lending and i did not agree to any of these terms. Prior to the loan funding Usaa did n't even see my car in their system, they are trying to cover their unscrupulous behavior, and Usaa should be held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have tried numerous times to get these fraudulent inquiries off my credit report, to no avail. and people are study pulling my credit report. Just last Thursday XX/XX/XXXX. Please help me resolve this issue. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX ALL FRAUDULENT!!!!!!

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 12/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XXXX, XXXX I was filling out applications for employment at XXXX XXXX when their databases were hacked. Those who used the XXXX XXXX site received notices to contact all ( 3 ) Credit Bureaus and request a long term freeze and fraud alert for their credit bureau files. I wrote letters to all ( 3 ) credit bureaus with the information the XXXX XXXX gave me and a request for a fraud alert, freeze, and removal of the fraudulent data. All three wrote me back and confirmed these requests, however, on XXXX XXXX, there was a fraudulent request for credit on my credit report and my updated address ( XXXX XXXX XXXX XXXX, XXXX, KS XXXX ) and the removal of my old phone # ( XXXX ) XXXX had been taken care of. But they did not put the freeze on and they allowed someone to put a hard hit on my credit report for XXXX XXXX in XXXX XXXX, Californiia. They allow people to pull without reason from citizens ' credit reports. Please help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2015 about Prepaid card (ID prepaid card) with Empowerment Ventures, LLC (IL).
Issue: Managing, opening, or closing account

Complaint: I have a Rush Card prepaid debit card, and my direct deposit posted to a card that I do not have nor exists, but suddenly showed up in my account after their " glitch '' on XXXX XXXX, 2015. I can not transfer my funds onto my actual debit card because the " card '' that my funds were deposited on is inactive. It 's inactive because it does not exist. I called member services through rush card and was told that my issue was escalated as high priority and within 24 hours they would transfer my funds to my actual account so they will become accessible to me. Instead. It 's 72 hours and nothing has been done. I keep getting the run around, and no one from their customer service can tell me how I can get hold of my money. My bills are do, my daughter needs food, and they refuse to help me transfer my funds out of this inactive card. I understand they did have technical difficulties over a week ago, but it 's been 11 days and their systems are still inactive and holding consumers funds? All I need is my funds transfered so I can withdraw my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/18/2016 about Debt collection (I do not know) with Receivables Performance Management, LLC (WV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Receivables Performance Management is calling several times a day starting at XXXX harassing me about a debt that I do not owe. I 've told them it 's not my debt. yet they keep calling every day. Do they think I 'm going to pay so they quit bothering me??

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 02-02-2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (GA).
Issue: Struggling to pay mortgage

Complaint: From beginning of XX/XX/XXXXup until XX/XX/XXXX, I have been trying to work with my lender to try to get something done about the property. I informed them back in the early party of XX/XX/XXXX that i had been laid off of my job and i needed to do a loan modification to try and offset what i new would happen inevitably. I tried to do the modification, but eventually my unemployment ran out, so i began to look for a buyer, when i could not find a buyer on my own, i recently went to a Realtor. I was under the impression that i had to pay a realtor to actually list the property. I do not deny that a lot of this situation is procrastination on my part, but i need this short sale to make the matter right. 
The property is listed at {$130000.00} and we have had a lot of activity with phone calls and showings. I currently have an offer that i would like for the lender to review.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Debt collection (Credit card) with Eaton Group Attorneys LLC (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: XXXX dba Eaton Group Attorneys, XXXX, XXXX harassed me and my family at work and home for XXXX years. They claimed they bought a XXXX year old XXXX that belong to me. In 2008, after hardship during XXXX, we file bankruptcy. So, this debt was discharge by XXXX. 

In XX/XX/XXXX, XXXX/LVNV XXXX sued me and corrupt civil court Judge XXXX ruled in their favor because I could not go to court because of work and my mental disorder. 

They ignored my complaints of statue of limitation, bankruptcy filing and illegal predatory debt collection practices. 

Now, they have forced my job to garnished {$1400.00} per month on a debt that was XXXX. After, the first garnishment, I have no means of paying for groceries, utilities, fuel, car notes, or emergencies. 

The initial debt was {$5000.00} and now it is {$8000.00} and counting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Mortgage (Conventional home mortgage) with JPMORGAN CHASE & CO. (CO).
Issue: Struggling to pay mortgage

Complaint: Good afternoon. I'm writing today, in the hopes that you will be able to assist me in getting my loan modification completed. I have been trying since XX/XX/XXXX, to resolve this matter with Chase hyphen on XXXX separate occasions, they have requested the same documents from me, claiming that they weren't signed or that there was a page missing. My most recent communication with them was this morning, where they stated the 4506-t form that I submitted wasn't signed. The third time I've sent it now - it's been signed every single time. I have also been dealing with people who are absolutely determined to derail this process, specifically - XXXX XXXX, point of contact and XXXX XXXX, Mgr. 

I have the ability to return to good faith payments. I have Surplus income and it's clearly evident that chase is trying to push this property to sale. Please assist me here!

Company response to consumer: Closed with explanation
Consumer complaint received 06/25/2015 about Debt collection (I do not know) with Concord Resolution Inc (Closed) (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I keep getting the same calls saying I owe XXXX different debt, when I ask for information on them they wo n't give me any infor unless I give verify my social security number. I tell them I wo n't but just give me the name of the debt I owe & they say unless I give them my SS # they ca n't release that information. I then asked for the name, address & Company info & they refused to give it to me. The company name that comes up is Concord Resolutions. They tried this a while back but I told them I was going to report them & they quit now here they go again.

Company response to consumer: Untimely response
Consumer complaint received 06-06-2017 about Debt collection (I do not know) with GMA Investments, LLC (CA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: A company calling themselves SUMMIT RECEIVEABLES will NOT stop calling and harassing me or my XXXX year old parents.
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They use threatening language and say I owe them money when I do not.
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XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Consumer Loan (Vehicle loan) with MCMC Auto LTD (TX).
Issue: Managing the loan or lease

Complaint: I financed a vehicle with MCMC Auto XXXX years ago and it was wrongfully reposessed. When I attempted to bring the matter to the attention of the company I was disregarded and told to dispute it with the credit bureaus. Each time I have disputed it, they corresponded stating it was valid. I attempted to contact them XXXX years later and they are still refusing to provide me with proof of past due payments. I called them today at XXXX spoke with XXXX and she stated that they still are unable to provide me with a copy of my contract, payment history and all written correspondence. At this time, I will just need these documents to correct their false information.

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: On XXXX XXXX, 2017, I sent an email request to Equifax concerning why my credit score dropped XXXX pts. Nothing obvious occurred on my credit to justify such a drastic drop in score. I was not given an explanation, specific to my personal credit report, for the score drop.

Company response to consumer: Closed with explanation
Consumer complaint received 01-06-2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: On XXXX/XXXX/XXXX an inquiry on my Equifax shows for XXXX XXXX XXXX XXXX XXXX. I disputed this item with Equifax and was told to contact the creditor. I sent letter to creditor 's address and letter was returned unopened from USPS with yellow sticker indicating that this was a bogus address. I sent the letter to Equifax with explanation asking them to remove inquiry that it was fraudulent. They sent back a request that I contact the creditor. I called XXXX and spoke to XXXX, her supervisor, then XXXX, then XXXX, then finally supervisor, XXXX who said I needed to file complaint with FTC. 
SUMMARY : Inquiry on Equifax dated XXXX/XXXX/XXXX Confirmation # XXXX can not be removed by Equifax , nor can they help me to get in touch with whosoever filed it for XXXX XXXX. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Delinquent account

Complaint: On XX/XX/XXXX I was contacted by XXXX of XXXX about an old credit card debt that I had with Providian XXXX. He stated that I had filed for a credit card under false pretense and that I had a complaint for  the theft of a credit card account.  I told him that I had never heard of this credit card and never received any paperwork regarding a credit card and a debt.  I asked him if he would send me the paperwork regarding the debt which he told me XXXX then I was emailed an agreement to start making payments and the document's total was XXXX. I refused to sign it and I was practically bullied into giving my credit card information so I could start making payments. I told him that I always check my credit every month through XXXX and an account from Providian has never been placed on my credit report. My credit is average and Providian has never been on my report. Then he gave me XXXX different dates when the card was in status of "charged off" XX/XX/XXXX and I stated it is past the statue of limitations and then he stated XX/XX/XXXX.  He refused to mail the paperwork so I could see documentation of the exact date I had applied for the credit card. He told me that I would be sued and have to pay attorney fees I was afraid and I gave him my credit card information but when I received the agreement from the amount had jumped from XXXX to XXXX dollars and I refused to sign. In addition, the documents he emailed me were dated XXXX and I have until XXXX to sign them. I did not make initial contact until XX/XX/XXXX. I responded to an email and stated why wasn't I mailed this document sooner?
I really feel threatened because I don't think he wanted to listen to me and he kept placing me on hold stating that he was preparing the paperwork but then when I was emailed the paperwork that did not have the right dates on them which I talked with him in XX/XX/XXXX the documents had already been prepared months ago and they never made contact with me.
They had the wrong zip code on the paperwork so if it was mailed it went somewhere else. I do not appreciate being treated like a criminal when I haven't heard anything about this company. I have been a victim of identity theft but I feel I am a victim of being criminalized of something I have no clue about.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: The company XXXX XXXX XXXX XXXX - aka XXXX XXXX XXXX closed my account stating delinquency. I have paid off the account numerous times, however they never send a bill or they are very sporadic in sending out email notification. They have also revoked all the points i built up stating their decision was based on account history.

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2016 about Debt collection (Credit card) with First Choice Assets LLC. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: The company is First Choice Assets LLC. They have bought a debt from 2009 and the statute of limitations has run out in CA ( 4 years ) and their practices are sketchy. They start by saying they need to verify info to send an important package ( after 4 phone calls like this I have not received anything ). Then they want verification of the last XXXX of the social security number. After that they start to ask why I defaulted on the debt. It was 7 years ago. I have told them each time they have called that this debt is past the statute of limitations in CA. In fact, the first guy said they need to get this resolved before it runs out ... almost like they know they legally ca n't collect on this. This debt has been removed from my credit report so I know as far as the debtor is concerned it 's over. Each time I confirm that the call is being recorded and each time I have told them that they can not collect anything and I am not paying them a penny. 
One guy asked me if I had ever been served papers regarding a debt. Usually when confronted they just hang up, but every couple of months they call me again. It scares me how many people do n't know the law and are paying these guys for old debts. 
I have asked them to stop calling me, which they said they would, but i doubt it, because they have called themselves by more than one company name and claim no one has contacted me before.

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 07/14/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (LA).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: XXXX 2017, I spoke to XXXX at Navient. Prep about my student loan. He stated that I would have to pay {$240.00} for 3 months and then {$5.00} thereafter. I told him that I would not be able to pay until XXXX XXXX, then he advised me to call back on XXXX XXXX to schedule the payment for XXXX XXXX. When I checked my account on XXXX XXXX the {$240.00} was withdrawn from my account. I called the company and spoke to XXXX about the situation. He then advised me that he would take care of it. On XXXX XXXX the {$240.00} was deposited into my account and then immediately taken out again. I called the company back on XXXX XXXX, 2017 and spoke to XXXX, he assured me that a check would be put in the mail, I also faxed over a copy of my bank statement where it clearly showed where the money was taken out and then put back and then taken out again, 7 days went by and no check ( XXXX lied ). On XXXX XXXX, 2017 I called back and spoke to XXXX ( rude ), where I was told by XXXX that I did not understand my bank statement. XXXX was then put on the phone where once again I was treated like I was stupid. He then guaranteed that my check would be in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (KY).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Portfolio recovery has contacted me several times a day on phone lines I 've told them there is no permission to contact me on for months. Each time I 've told them to submit everything in writing so i can verify who they are and possibly dispute the debt and each time in told they do n't need to. I 've told them to stop calling and I 'll receive another call right after on another line. There was a time they called every hour..

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Car dealership ran my credit for a car loan several times on XX/XX/XXXX to 9 different creditors. Now Credit reporting agency are reporting a high inquires when its only supposed to be reporting as one since the credit was ran within a 30 day period. I also ran my credit on XX/XX/XXXX for a car loan too

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 04/19/2017 about Credit card () with CITIBANK, N.A. (MA).
Issue: Other

Complaint: I was a member of  Citibank Visa f or 20 years. In  XXXX  I was making purchases using my credit card that were then put on another credit card # which I did n't actually own. The credit card that I was using did n't expire until  XXXX . I inquired about this and never got an answer. I also had pending charges that never carried over to the next month and there was n't any real way of knowing what had carried over since my balance was zero yet my purchases did n't add up to the total balance. I also inquired about this. I had to keep tracing things each month and it was frustrating. This pending situation was irritating but the charging  two  card # 's when I only owned  one credit card just did n't seem ethical. I canceled my membership with Citibank Visa  as a result.

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 02/27/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: XX/XX/XXXX, payment was disbursed to NAVIENT on XX/XX/XXXX, by our credit union. They submitted a paper check as an electronic payment. Despite having sent a copy of the statement, showing payment, they insist we now send them a triple payment for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I would send the XX/XX/XXXX payment, but with the XX/XX/XXXX payment still unreesolved ( I think deliberately to set up penalties and fees ), I am reluctant to do so and am unsure of what to do. 

Furthermore, although we had some foresearances ( with XXXX, before we were commandeered by NAVIENT ) we owe almost as much as we started owing IN XX/XX/XXXX!!! 

Getting informationnfrom them is like pulling teeth. Now I would n't trust their word. 

HELP!

Company response to consumer: Closed with explanation