milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-06-2017 about Payday loan, title loan, or personal loan (Payday loan) with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have 2 inquires from a lender that I never applied for a loan from, Cash Central. I do n't know who they are or how they got my information. First pull XXXX second pull 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 08/26/2016 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX, XXXX Experian To the Corrections Department : I got a copy of my credit report and there are things that just are n't accurate on it. I am greatly concerned because I am a good paying person and do n't want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. XXXX XXXX XXXX XXXX an investigation on the creditor, payment status, high credit, and the 24 month payment history. Revise every piece of information mention or erase this data from my report. XXXX XXXX Corroborate the veracity of this payment status and history, because I believe it is a mistake, please correct it XXXX XXXX XXXX XXXX XXXX am puzzled on this accounts information such as the payment status, comments, high balance, and terms. Possibly verify the data and repair or remove it from my credit file immediately Incorrect Name XXXX XXXX XXXX Can you make sure my name is presented completely. Update. XXXX XXXX A verification is needed on the status, comments, and the payment history. There could be mix up data and so repair what is needed or delete off my credit report XXXX XXXX XXXX XXXX If you could please compare your documents as i feel the account number, balance, pay status and high credit could be mistakenly reporting. If not accurate please withdraw from my report XXXX XXXX XXXX/XXXX/XXXX Verify the date shown and the creditor name presented as I believe this may be an mistake. Verify or erase this promptly from my report. 

XXXX XXXX XXXX DOB : XXXX/XXXX/XXXX SSN : ***********

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 04-10-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Southwest Credit Systems, L.P. (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: Southwest Credit Systems called me to collect on a debt from XXXX. The first time they contacted me they claimed to be calling from the State of California and were collecting information on pending litigation. Then after I cornered them on that lie, they pretended it was not one of their employees that called me, yet continued to harass me, claiming that they were collecting information on a future lawsuit. They also called my wife and XXXX year old daughters phones. I told them that I do not allow them to call anywhere except for my phone, they stated they would call wherever to collect the debt, I told them it was against FCRA, they stated it wa n't. Then I told them that I had not received a final bill from XXXX and I needed to verify since they had not sent me any paperwork. There have been days that they call 20-30 times if not more, I have yet to receive anything from them or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Trouble during payment process

Complaint: I submitted a letter to Bank of America (mortgage account #XXXX) to cancel my mortgage insurance and I have received no response. I also called on XX/XX/2018 and was told I would receive a response within 7 business days. I have met all the requirements to have my mortgage insurance cancelled based on their requirements. I am including a copy of the letter mailed to them for your review. This unnecessary fee is creating a hardship for me and I am requesting that it be stopped immediately.

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 08/21/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Credit card protection / Debt protection

Complaint: There was a transaction I used with my credit card and the seller sold me a blacklisted phone. I contacted Citibank. Let me tell you how difficult it was. I have call logs recorded showing I was on hold for 1.5 hours each time I called. Fine ok. I get it. Banks are busy. But when I finally reached someone, they XXXX English. I was transferred 3 times, with each transfer causing a 20 minute hold. Finally, when I reached someone to file a dispute, I had to wait 45 days. I did not hear anything from the bank. I contacted them to provide further evidence and they told me they did not need it. 45 days later, my request to dispute the transaction was denied. They did not have the proof I had and came to their own decision.

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 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I discovered last month that   XXXX   XXXX   XXXX   is still continuing to report mortgage payments located at   XXXX   XXXX   XXXX    XXXX  , GA to creditors. I contacted them last month and advised that this loan was filed under Chapter   XXXX   in  XXXX . I was not provided any assistance. I reached out to Experian and  XXXX  and filed a dispute. I received the message dated  XX/XX/XXXX  from Experian : Discharged through Bankruptcy Chapter   XXXX  . This account is scheduled to continue on record until   XXXX   XXXX  . I contacted the bankruptcy attorney who advised that this account should not continue to be reported on my credit. It is being reported to all credit agencies. This debt was included in Chapter   XXXX   back in  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2016 about Debt collection (Payday loan) with First Data Corporation (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: My social security number was stolen back in XXXX and the federal government sent me a letter stating this in XXXX. Then this year I started to received phone calls from TRS recovery services stating that I owned on a payday loan, and I told TRS that my ssn was compromised back in XXXX and the agent did not care and stated that I had to pay the debt or else it will post to my credit as bad debt. I was then transferred to a supervisor and I explained the situation and that they had to file a fraud form and the supervisor stated that was not their job to do that. I stated that under federal regulation ( I used to work for XXXX consultants, a collection agency ) that they had to filed the form for fraud, and the supervisor stated that was not her job so I told the supervisor that I was going to file a complaint with the state and the better business bureau. The supervisor stated that they will still call until the debt has been collected.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an XXXX XXXX account from XXXX with account # XXXX that is not mine. There is currently a charged off balance of {$1900.00}. XXXX XXXX can not validate any information on this account. I mailed disputes to the credit bureau on the following dates to have this account deleted : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. The credit bureau continues to respond saying that their reporting is accurate according to XXXX XXXX. This is where my problem starts and is also the reason I am submitting this complaint. On XXXX XXXX, I received a letter from XXXX XXXX requesting that I fill out an " Affidavit of Identity '' to investigate why this account is being reported to my credit. On XXXX XXXX, I signed all the required information and had my affidavit notarized by my local XXXX XXXX in Texas. A couple of days ago, I finally received a response directly from XXXX XXXX telling me that they do not have an application or signed contract that validates this account belongs to me. This is a huge problem. For the past XXXX months, the credit bureau has been telling me the account is being reported accurately to my credit. IF this is true, then why ca n't XXXX XXXX provide me any validation for this account? This suggests to me that the credit bureau is not taking time to process my dispute properly and is taking the least absolute effort to help me find a solution for my issue. I have no knowledge of this XXXX XXXX account and according to the Fair Credit Reporting Act, if information can not be properly validated, it needs to be deleted immediately from my credit report.

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 09/22/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: I purchased a vacation package through a company called " XXXX. '' Within a few days they were not responding so i made ever effort to cancel. finally i filed a dispute with Citi Card a few days later. I can provide a number of documents that show this company just steals money, provides no services. They promised to buy my old timeshare from a company called " XXXX '' that did not happen. So Citi Card took the charge off, put it back on, took it off and once again put it back on. I did file a dispute less than a week after the purchase and provided them with all of the info and they wo n't give me any details as to why they keep putting it back on.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 08-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SYNCHRONY FINANCIAL (FL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Syncb/Care Credit aka Ge Capital Credit aka Synchrony Bank, account number ending in XXXX On XX/XX/XXXX Syncb/C.C. sold the alleged debt of {$2000.00} and ownership of said account to XXXX XXXX XXXX. In XX/XX/XXXX I reached a dispute settlement with XXXX in regards to the account. On XX/XX/XXXX XXXX changed the account balance to {$0.00} and then closed and deleted the account from my credit reports. Please see attached letters from XXXX. and Synch/C.C. for verification. Over 30 days later on XX/XX/XXXX Syncb/C.C. recalls ownership of the account from XXXX. Then on XX/XX/XXXX Syncb/C.C. relist the account on my credit reports under their name with the old balance of {$2000.00}. The letter from XXXX. clearly reflects the account balance as {$0.00}. Closed and Deleted.

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 09/25/2017 about Student loan (Private student loan) with Unisa, Inc (MD).
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint: My loans were recently moved from XXXX to UNISA ( unisainc.com ). I was never notified of this change, I simply logged into my XXXX account one day and all information about my loan was gone. After contacting XXXX, they told me the loan was transferred to UNISA. 

After searching and failing to find what appeared to be a legitimate website for UNISA, I ended up getting a number from XXXX and called UNISA. The person answering the phone call was very unprofessional and said I must have been in the " recent '' loan moves, that 's why I did n't receive any notification ( the loan was apparently transferred over a month ago ). I was able to get an account number for the loan from the representative, which allowed me to create an account on the suspicious looking website https : //www.unisainc.comXXXX The website appears to be made in WordPress ( known for it 's many security vulnerabilities ) and did not provide the typical prompts one would expect from a legitimate loan servicer. Once registered I was able to review my loan balances and schedule a payment by entering my bank information. 

This was several days ago, I never received an email confirmation of my payment and after waiting and not seeing any change in my bank account, I attempted to log back into my account to view scheduled payments. 

After entering my credentials on the https : //www.unisainc.comXXXX XXXX, I  received an error message " Error. An error occurred while processing your request. '' with no option for a redirection. I attempted this several times with the same result. I also attempted a login with a known incorrect password and was unable to login, so I know that is not the issue. 

I am unable to view my account information now and the unprofessional design of the website and attitude of the representatives makes me concerned with the safety of my personal and financial information with this company. I also have no indications that they allowing me to make payments. 

A quick XXXX search of the company reveals numerous complaints and the lowest possible review star rating on XXXX for the company, showing I am not the only customer with these issues. I feel this should be investigated, especially for the many graduates like myself that had no choice or option who their loans and personal information would be transferred to and now have no control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2015 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: We agreed to a settlement via phone with Capital One and she set up automatic withdrawals from our account. We paid the final settlement payment XX/XX/XXXX. In XX/XX/XXXX I later received collection calls for the same account that was settled XX/XX/XXXX. I checked my credit report and it showed my settled account was not paid. I called Capital One and they said they did not receive any payments. Where did our payments go? Capital One automatically withdrew the agreed amount per month from our account. Our check copies showed receiver is Capital One, the account number, and date. I faxed copies of my bank statements and a copy of the last electronic check to Capital One and the collection agency. How much proof do they need? The collection agency, XXXX XXXX, denied my proof until I receive my settlement letter from Capital One. Capital One is still investigating and said they usually do not call to make settlements. Then they said they received the last payment on XX/XX/XXXX but it got returned so they could not do a settlement letter. According to our records the check was paid and posted to Capital One, because we did not get charged a bank fee and it was electronically withdrawn on the scheduled date on time, which is the XXXX of the month. First they said they did not receive any payment but now they are saying something else. I told them maybe they tried to get an extra amount realizing it was the last payment. I faxed them the copy that the XX/XX/XXXX check went through. Our statement showed no return fees. Everything was paid on time. I need assistance in getting a settlement letter and to correct my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2015 about Debt collection (Medical) with Firstsource Advantage, LLC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I SENT A NOTICE OF DISPUTE WELL OVER 60 DAYS AGO. DEMANDING PROOF THAT I OWE THIS DEBT. I HAVE NOT HAD ANY RESPONSE FROM CREDITOR SHOWING ON OWE THIS DEBT BY MAIL OR PHONE CALL FROM CREDITOR

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with U.S. BANCORP (DE).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: XXXX XXXX XXXX debited my bank account twice for a scheduled etf payment of {$3900.00}. This is not a small amount. I called them and they said it would 17 days to refund the money to my account. This is wholly unacceptable.

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 05/17/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (DC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Chase has closed my card ending in  XXXX  after filing disputes with them for t  he 2nd time in two months today.
Earlier on I pointed out that Chase went on the record lying about the status of several disputes &   then contradicted the earlier finidngs. I have attached the letters for your review and the proof of returns associated with the  XXXX  dispute.   Documentation was sent to the online chase.com customer messgae center and the content of the letter from phantom employee "  XXXX   XXXX  '' was an attempt to deny the disputes.   I want copies of all documentation this ghost used to arrive at " his/her/gender neutral '' opinion and the money refunded to the balance immediately.   As me balance is in dispute these bandits are preventing me from paying off the account.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2015 about Debt collection (I do not know) with Receivables Performance Management, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My son is XXXX and they constantly call him. I tried to call to tell them to stop and I got a rude lady say " rpm, due to high call volume a representative will call you back '' she then hung up before I could say anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/27/2015 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I received a loan from XXXX in XXXX, XXXX with a fixed rate in XXXX, GA and they sold the loan to XXXX in XXXX. I had been paying my payments until XXXX sent me a statement stating that my mortgage was going to be higher. I asked XXXX to validate my loan since XXXX and they could not provide me the information for the correct numbers from my loan from XXXX to XXXX. XXXX put my house in foreclosure XXXX times and I had to file bankruptcy to stop the sale and get more time to get XXXX to send me the correct documents. XXXX sold the loan to Caliber Homes and they too now have my house in foreclosure for XXXX XXXX, XXXX. 
I have been requesting for years from XXXX, XXXX for Caliber Homes to send me the correct numbers to validate the loan from XXXX and again I am going through the same thing. They sent me documents that date back to XXXX, Caliber Homes has no records of XXXX - XXXX and the numbers are very wrong. 
I filed bankruptcy XXXX XXXX, XXXX and Caliber Homes is not approving my Stay of Execution so we can continue the investigation. I have reached out to RESPA as well. 
I need to stop the XXXX XXXX, XXXX foreclosure sale date and have the mortgage company subpoenaed to get all of my records and make sure that they can validate my loan with the right numbers. 

XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: did not remove these fraudulent inquiries : XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX  Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX I Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXXXXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint: Hi, I am trying to get money from  XXXX  and my bank chase is not sending over my info quick info and now I ca n't get the money I need. Please send over my info.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Debt collection (Credit card) with Global Recovery Group (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: GLOBAL RECOVERY GROUP XXXX XXXX XXXX XXXX XXXX use deceptive methods to collect a debt from me. They had an unidentified male contact me and claim to be law enforcement threatening to go to my home address and said I 'll be served and arrested if I did n't call in to XXXX XXXX to pay a {$750.00} credit card debt within 10 minutes on XXXX/XXXX/2016. 
They also threaten to seize, garnish, or sell property. I felt my family was in danger so I call and gave them my debit card number.

Company response to consumer: Untimely response