milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/23/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Kimball, Tirey & St. John LLP (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I called Kimball & Tierey in response to a letter to collect a debt. I was previously being garnished. I no longer work at the place I was garnished at but I did not want this debt on my credit history so I called to setup a payment. The following conversation occurred : I was not given a disclosure of the attempt to collect a debt. I called the line and spoke to a receptionist who then transferred me to an associate by the name of XXXX. 
Me : " I would like to re-establish payments for my debt I was previously garnished on. " XXXX : " Verify your first name and last XXXX of your social. " Me : *verifies the information* " I want to setup a voluntary payment '' XXXX : `` Ok, what are you looking to pay? " Me : " Well right now I can definitely pay {$30.00}. " XXXX : " You can go ahead and submit a check or mail payments to us but {$30.00} a month would not be recognized as a formal payment that you could pay online. So if you send in whatever you can afford we can credit your account, we ca n't give you a receipt but if you do not set up a formal payment of no less than {$100.00} we can pursue informal collection. " Me : " So let me see if I understand, I am trying to make good faith payments you 'll accept them but if it 's not {$100.00} or more you will pursue garnishment if I get a new job? " XXXX : " Yes, you will be garnished. Sorry, just being honest. {$100.00} is our base formal payment. " Me : " ok, thanks. Just wanted to clarify. Goodbye. " Also, this debt is no longer reported on my credit history. It 's been 10 years and believe it 's beyond its statute of limitations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
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: I have complained to Equifax many times and desputed that   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , SC  XXXX  Account #  XXXX  and  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SC  XXXX  Account #  XXXX  are duplicate accounts. A Equifax representative said The  XXXX   XXXX  had been removed from my Equifax credit file, this person lied it is still on there.     Equifax must hire misfits from o ff the street, for e mployees. I do not trust the Equifax Organization.       XXXX   and  XXXX  are much more Professional, honest and organize.     Please investigate my entire Equifax cred file.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CT).
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint: I have defaulted on my student loans. I have made several attempts in the past 11 years or since XX/XX/XXXX ; to file for forbearance, to make payments and to use the income based repayment plan offered. Each time I took the time to contact the lender ( XXXX later Navient ) there always seemed to be an issue with paper work submitted and needing to update the next month. I made several attempts with payment arrangements over the phone to get payments to an affordable income based amount only to be told I had to resubmit and reapply for income based arrangements within days or weeks of submitting paper work. The entire process has cost me much time and even greater money, because despite my attempts at income based arrangements in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX my original loan of XXXX has now grown to XXXX and is closed but Navient continues to call me XXXX times per day. The gentleman named XXXX assigned to my case has contacted my supervisor and most recently on XX/XX/XXXX the secretaries and receptionist at work asked me how they can get this guy XXXX from Navient to stop harassing them " every half hour, all day every day ''. I have not contacted the lender or debt collector for the past 18 months or so because I feel it has not helped in the past with false claims on options offered ie making arrangements to pay {$54.00} per month, and then two months later needing to go through the entire lengthily process again. I have worked at a non profit public service job for the past 11 years and have not had a raise in 8 years. I make {$XX/XX/XXXX} an hour working a 40 hour week with no changes in my income. I am XXXX years old and have had good to excellent credit throughout my adult life until Navient came into my life. I am hoping you can assist with getting Navient to stop calling my Employer 's main number and my supervisor ; I have not given nor have I ever given them permission to do so. I have however, given them my work cell and my personal cell numbers to call with concerns and issues. Please assist any way you can. This is not only troubling to me but to my co workers who HAVE to answer their constant calls because that is their job. Thank you for your assistance in this most troubling matter. I would be happy to be able to pay them {$54.00} a month the amount they have negotiated with me on several occasions to alleviate this problem. I can not afford the $ 250-300 they continue to seem to want despite offering me options. Ideally it would be a relief to be able to get my credit score back to the XXXX range but I can not see a way out with this navient " monkey on my back, '' Thank you for your concern, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/18/2015 about Debt collection (Credit card) with U.S. BANCORP (FL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: They call every day sometimes multiple times. I have sent written notification to US Bank not to call. This company refuses to even provide me information on who they are or how to send them written notice to stop calling. I have medical issues that these calls cause XXXX. I have asked them to stop calling and to please just file a lawsuit. They refuse. This latest call they claimed to be US Bank. Come to find out, they are n't US Bank, they are a third party collection agency violating the collection laws. They have sent no communication through the mail identifying themselves. They refuse to give any information as to who they are and flat out refused to give me an address so that I could put them on notice in writing not to call any more. This has gone beyond collections into harrassment just for the fun of it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with Ditech Financial LLC (SC).
Issue: Loan servicing, payments, escrow account

Complaint: I had a very trying experience with Greentree and submitted a detailed complaint over a year ago ( # XXXX ). The company forced a flood policy on my account and charged me for it even though they had all the proof that my HOA held a flood policy. This forced policy made my payments erroneously inflated, which in turn made Greentree continue to call me for payments. I tried continuously for months to correct the problem and provided statements from my bank - who was making payments on my behalf. Finally, after the name change to Ditech, this company acknowledged their error and sent a refund along with a letter stating that late charges had been removed. I thought it was resolved until recently when I realized that they had reported me to the credit bureaus as a late payer! Now my stellar credit is ruined, and the score does not reflect the fact that I have always had an excellent score ( over XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: All of my inquires with TransUnion were removed and the illegally added them back, without my knowledge. This violated my consumer protection rights.

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 07/27/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX is on my account twice, which the account is fraudulent and belongs to XXXX XXXX. I noticed these accounts on my credit report in which they have been since XXXX. I did not know or have never paid on this fraudulent account therefore this account has been on my credit report almost 10 years which I am sure against FCRA. I am attaching the signature provided by XXXX to CFPB ; and on their application and providing my mortgage signature page. It is plain to see the signature on XXXX 's application and my signature are completely different. Also, XXXX has submitted a letter of acknowledgment in regards to fraudulently signing my signature in which I attached. Again, It shows my signature and addresses which conflicts with the information on Navient application. Also it against the law for them to report the same account twice. I am asking for this to be removed immediately. Also, if the company reviews my documents it is obvious that I was living at different addresses than the XXXX on their application, look at the date on my mortgage page, Worlds Saving and my property tax document which dates my current address beginning in XXXX until current, therefore I knew nothing of this loan.

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 12-11-2017 about Vehicle loan or lease (Loan) with TOYOTA MOTOR CREDIT CORPORATION (TX).
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint: I have visited XXXX XXXX ( on the last weekend to buy a new car from XXXX XXXX XXXX They had promised to charge interest rate@3.99 % on invoice price but the document mentions 3.99 % on all tax loaded price. And there was no agreement of down payment which is inserted in the final price financed as " Total Sale Price ''. 

I have completed loan application under financing through toyota finance but since it got late for the PDI inspection the delivery/ pick up is scheduled for Monday morning. 

Please advise us the options. Should we contest the anomaly in documentation? Are we under any legal bonding? Can we walk out on the agreement if we have not taken physical delivery of the car?

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2015 about Prepaid card (General purpose card) with CITIBANK, N.A. (CA).
Issue: Managing, opening, or closing account

Complaint: We received a " virtual '' prepaid Citi Visa card containing {$250.00} XX/XX/XXXX. When we tried to use it XX/XX/XXXX we found that it expired XX/XX/XXXX. I subsequently learned that the federal CARD act requires prepaid Visa cards to not expire in less than 5 years. I contacted Citi, but they refuse to extend the expiration date. I have uploaded a file containing an email I sent to Citi requesting the extension, and their reply in which they claim their card is exempt from the legislation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-06-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Back in XX/XX/XXXX my wife and I consolidated into one bank account, XXXX. Before we were using XXXX XXXX XXXX. I changed my account information online and spoke with a representative on the phone after the first month did not work correctly. Now for XX/XX/XXXX payment it did the same thing. They have my account information and this will be on them again for this month 's payment. I have had issues with Navient for the past few years and it seems that every other month there is something new that they screw up. They have my account information and should fix this by XX/XX/XXXX payment. The XXXX month they rolled the charges back into the debt so I 'm assuming they will do this again. It is not my responsibility to fix their mistakes and it is their responsibility to collect. I even have email confirmation and online confirmation stating that my payment account has been changed to our new bank.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GENERAL MOTORS FINANCIAL COMPANY, INC. (PA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Upon checking my credit report again due to an alert i received from the credit bureaus, I noticed several unknown, unauthorized credit inquiries on my report. A company by the name of XXXX XXXX XXXX, XXXX XXXX and XXXX we on my report. Number one I XXXX XXXX XXXX because I have no XXXX, so why do I need a car? Next, I 'm not in the market for a new credit card neither and ca n't afford to pay back amounts in full every month as needed from XXXX. 

This is my EIGHT REQUEST asking you to remove the unverified inquiry, which violates the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following inquiries are related to none of the aforementioned permissible purposes, and I demand that the following accounts be properly verified or removed immediately. 
What this means is that your company must be willing and able to produce a document in your files that proves authorization was given by me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed inquiry and to do this they must have 1st hand knowledge of the alleged inquiry and all that has ever transpired for the alleged inquiry under oath and under the penalty of perjury. 

Please be advised that if this inquiry isnt verified according to the Fair Debt Collections Act. You must delete this recording from my credit reports.
Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-02-2016 about Consumer Loan (Vehicle loan) with Westlake Services, LLC (FL).
Issue: Taking out the loan or lease

Complaint: A long time ago I went to XXXX XXXX XXXX XXXX to buy a vehicle. I went there because I saw the price reasonable for a XXXX XXXX that was {$2500.00} if it was paid fully cash. So I gave {$1500.00} down agreeing with them that I was going to pay the rest soon. From that point, the confusion and fraud started. That day, we were talking about the vehicle, payments, etc.. they were speaking to me while handing me documents. The documents they gave me agreed with the conversation we were having. Everything that day was great, I even went home with the van and I though it concluded they way it was supposed to.. Then Westlake Financial Services called me about the vehicle, telling me that I had to pay the double of the vehicle original value. I told them to give me an explanation about what was happening but they did n't tell me much, just that the dealer sent them the purchase documents. I contacted the dealer for an explanation but they did n't help me either. Then I took all the documents they gave me and I started to review them. The documents I have are the ones with the correct prices but my signatures and initials were n't there ( I have the documents as prove ). XXXX of the mistakes is that In the dealer document it says that I gave {$500.00} down payment while Westlake document says I gave {$1500.00} ( which I gave to the dealer ). I contacted Westlake Financial and they told me that they were going to send me the documents the dealer gave them. So I received only XXXX documents that looked like mine but the information on them was totally different, and I realized that my sign and initials were there! .. So how did they do it? How is that the dealer gave me different documents and Westlake another XXXX. Did they switch it? I do n't know, but what I know is that in my hands are the documents I was supposed to have. I was trying to contact them all the time so they could help me but they did n't. I did n't know where to look for help so my only option was to pay because I needed the vehicle. I found out about this website and I decided to make a complaint because I do n't want them to get away with this. Probably those 2 companies have a business going on scamming decent people.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NJ).
Issue: Deposits and withdrawals

Complaint: On XXXX 2016 I deposited a third party check which was a settlement for my friend XXXX XXXX. Chase requested that she produce ID. on XXXX XXXX we went to the Chase bank in XXXX and all she could provide is a XXXX XXXX ID and they would not accept it. If she had proper ID she would have opened an account. On XXXX XXXX my account was closed at which time since the check cleared I should have received a refund check for the balance. They are hold the funds for approximately 2 months. The payer, her lawyer XXXX XXXX XXXX has called to confirm that she is XXXX XXXX and that she gave permission for me to cash the check. She is homeless and needs these funds. Chase should have either returned the fund to XXXX XXXX XXXX XXXX 's account or provided as certified check. This is unlawful for them to hold these funds

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2016 about Prepaid card (Government benefit payment card) with Google Compare Credit Cards Inc. (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: I have learned in the last couple days, that the guest account on applications on XXXX phones, you do not need a password for and it links directly to your google account because it is your Google XXXX XXXX Account. My XXXX phone went back to XXXX ( per merchant guest account from prior phone. ) Not one rep through Google has stated the guest account was the play account, nor that the charges that play games billed were actual Google charges. Google cant provide a invoice or did they obtain authorization. These charges were not made by a minor or am I aware of anyone that made charges to my account. Google blamed my friends and family, refunded half towards a judgement for not getting expressed consent as i have been stating and deleted the remaining {$4000.00} and hundreds of transactions they ran through my bank out of their system. Google told me about a week ago to go to authorities because my info was stolen and its on another account. Why has it taken 2.5 years since i found out to have them tell me to go to authorities? Why did Google state in responses to complaints with the Attorney General and the FTC they were aware of the issue and to have me contact them and not state my unemployment card was on someone else 's account? I want the account and googles billing practices investigated. If Google would of investigated, the XXXX breach would of been made public sooner. I came to them and told them that there was a XXXX on my XXXX account that linked to his XXXX able to bill without permission. ( Google wallet separate charges ) I have given not XXXX person authorization to bill, add my payment method and not XXXX person has asked for my permission. I did not create a Google Wallet or Google Payments account. These are fraudulent transactions Google processed with out the expressed consent of the account holder, and are altering and deleting information 3.5 years after the first charge, 3 years since they flagged it 16 times without contacting me. Those flags have now been deleted from the invoice, yet I am told i didnt tell them fast enough what they concealed from me! Who benefited the transactions? Who received the credit from the purchase? How much was taken? These are all questions I have asked repeatedly, to be told i did not tell them fast enough, what it is obvious they have known! 
I would like Google to explain if a guest account for a application on a android device is phone specific and for billing purposes the same guest account is google account specific, what steps were taken to verify if the transactions were legitimate? 
please see complaint numbers below filed with CFPB for back up documentation. 
XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016

Company response to consumer: Closed
Consumer complaint received 05/29/2017 about Debt collection (Medical debt) with OPTIMUM OUTCOMES, INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Dispute were file and certified mail.  XXXX    XXXX   updated and corrected there files.  XXXX  has not investigated or updated there files. This is unfair credit reporting, information that 's not accurate or true. Information reported by  Optimum outc omes for the amount of  XXXX  on  XXXX ,   XXXX   for  XXXX   XXXX    XXXX   XXXX  . Information from  XXXX    XXXX   on  XXXX   XXXX  for  XXXX    XXXX   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (OH).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: XXXX provided a credit card service through XXXX XXXX XXXX. I financed {$3000.00} and had minimum monthly payments of {$28.00}. Then all of a sudden my bill changed to the minimum monthly payment of {$140.00} which is a huge jump so I called to find out why and apparently it was a promotion where no interest was charged for a year then all of a sudden they charge me {$4500.00} in interest which is way more than the loan itself. I 'm furious! They state it was in the contract but there was no mention of it when I signed up for the financing. It 's a scam and they should be prosecuted!

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is an account that Experian has listed which is unknown and not able to be validated as I have tried several times. I want this remove it is violating my rights XXXX 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