milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07/30/2017 about Student loan (Private student loan) with First Associates Loan Servicing LLC (OR).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I would like to request an investigation be launched into the lending practices of Peaks Private Loans. I submitted a complaint with the CFPB on XXXX XXXX, 2017 and received a denial reply from Peaks Private Loans. I was misled by XXXX XXXX XXXX to apply for loans which I was not, and never will be, able to pay off, due to the level of education and resources given to me by XXXX XXXX XXXX. Due to my income level, I have accrued an overwhelming amount interest on my loan and my loan is becoming increasing improbable to be paid off. Peaks Loan refuses to work with me to pay off my loans in a reasonable way. I have exhausted my forbearance allowances with them and my income-based payments will never pay even the interest accrued on my account. I have been trying to make the minimum payment each month but it is only going toward my interest. I now owe much more money than I borrowed and the principle balance has gone down very little, with the interest being thousands of dollars. I have paid Peaks Loan thousands of dollars over the last few years and have nothing to show for it. I borrowed this money in hopes of bettering my future and becoming a useful member of the job force but I am not working in the field I studied for, due to the lack of education given to me by XXXX. I have spent thousands of dollars in paying back the interest accrued on my loans for a degree from which I have not benefitted. I am in debt for a degree which is not very helpful in getting me jobs, from a school that was shut down because of predatory lending practices, and have ever-increasing interest from a company that lent me money knowing I wouldnt be able to pay them back on time. I contacted Peaks Loan through CFPB, bringing to their attention the sneaky ways in which they lent me money, and was sent a firm denial in return. I ask that your organization investigate their lending practices and refusal to work with my balance due, in light of the recent exposure to XXXX predatory lending practices, with whom Peaks Private Loans was involved. The education I received from XXXX was not sufficient to prepare me for the job market, the market which would afford me the salary to pay off my loans, that they promised. Please help me to be the asset to the economy which I sought to become when I borrowed from Peaks Private Loans. Thank you for your time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Experian does not have any account reporting for my XXXX XXXX accounts.

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 02-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX did a hard pull on my credit without my authorization or knowledge on XX/XX/17.

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 12-10-2015 about Mortgage (Other mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: After foreclosing on the property in XXXX XXXX Chase rescinded the foreclosure in XXXX XXXX. I then began the process of qualifying for a loan modification, I entered into a agreement with Chase in XXXX XXXX with payments of {$4100.00} per month until XX/XX/XXXX, the agreement further called for a principal reduction of {$440000.00} if my mortgage payments were made on time and I was not in default. My payments are current and I am paid through XX/XX/XXXX XXXX, more than one year since the agreement. Chase has not kept their part of the agreement by reducing the principal balance as they have stated in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Vehicle loan or lease (Loan) with LOBEL FINANCIAL CORPORATION (OR).
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint: I contacted XXXX XXXXl in XXXX to set up a payment arraignment and in XXXX again because i was needing to split my payments ... in XXXX Just a day before my scheduled payment arraignment lobel financial reposessed my car and every thing in it ... .and than they wanted over {$1500.00} to get it out of XXXX. I was not prepared to pay this amount our set up arraignment was for {$250.00}. XXXX XXXX was the day we had we up to pay the XXXX.. after the vehicle was repoed i contacted lobel and they proceeded to put me on hold for long periods of time, was hung up on, reps and management were very rude and not helpful. And claimed not to have even one notebin the system for a payment arraignment.. now I 've got no car and no job because i needed reliable transportation to keep my job...

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 EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have gone through relentlessly with XXXX on the reporting of my account. They have sent me a letter stating that the account is not reporting to any of the bureaus. Please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Managing the loan or lease

Complaint: I got a loan from Cash Call for {$2500.00} - a year later, I 've paid it back and more. I finally was able to pay off said loan so I logged into my account, noted the payoff amount and mailed a check. ( They do not make it easy to pay online. ( ie need to make mult payments to pay full amount - plus fees for each payment ) I mailed a check - now they say that 's NOT the payoff amount because they got check 2 days later. And they want more money! 
I will NEVER again do business with Cash Call and DO NOT recommend them. They are PREADATORY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2017 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The credit bureau are reporting a bankruptcy on my report but the court does not verify that information. Therefore that information was pulled out from a third party reporting agency, thefore it must be deleted completely from my credit report. I would like to be notify via email once it 's been deleted. My email address is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 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: Information belongs to someone else

Complaint: XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX-XXXX Inquiry from XX/XX/XXXXXXXXXXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX I called experian to report fraud and to have inquires removed from my report. the representative did not want to help me. Stated because these are hard inquires I have to wait 2 years!

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 10-07-2017 about Debt collection (Medical debt) with JMD,LLC (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX XXXX XXXX continues to report to all the credit reporting agencies a medical debt that I do not owe and have refused to validate the debt. They are collecting for some medical company for a period of time that I had XXXX  and that coverage was XXXX XXXX. I could not have had a medical bill during that time. I have told them this and they refused to investigate, validate and remove. I asked them simple questions like what was the date of service and who was the provider and they told me that they did not have the information but they are still reporting this on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have tried numerous times to have the correct information regarding a government overpayment on my account made accurate. Instead of doing that, XXXX updates it incorrectly repeatedly and absolutely destroys my credit score in the process. Months later my score is still 50 points lower and they all but ignore my disputes or just update incorrectly. It 's infuriating and I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Mortgage (Other mortgage) with NATIONSTAR MORTGAGE (TN).
Issue: Loan modification,collection,foreclosure

Complaint: Nation start has intensely avoided my complaint and ignoring my email, ignoring my voicemail, ignoring CFPB complaint See attached documentation

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I currently have a dispute pending with Transunion and for some odd reason they have placed me in the priority department that has no direct number and when I leave a message multiple times they do n't return my call. If I 'm not mistaken its illegal to have a department without a number. Not to mention I have multiple inquires on my account that I did n't not authorize at all. I would like these inquires removed immediately. No one from the overseas call center or the United States call center has been able to assist because my file is locked. This is very frustrating because the inquires are a result of someone using my name. Transunion told me I have to contact the creditor and that 's FALSE according to the FCRA. The must provide me proof that I authorized these inquiries. I do n't want a computer generated answer back either. I 'm tired of wasting money on certified letters.

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 10/17/2015 about Credit card () with CITIBANK, N.A. (IL).
Issue: Advertising and marketing

Complaint: Citibank has been promoting an interest free credit extension with a 3 % initial fee that is linked to your credit card. The outstanding balance displays on your credit card statement. This is similar to Home Depot 's credit card offer, but at Home Depot it is truly interest free and at Citibank it is not. At Citibank, if you continue to use your credit card for monthly purchases that are paid off within the billing cycle you get charged interest within the billing cycle for new purchases. If I had not participated in the interest free credit extension, I would not pay interest charges on new monthly purchases paid off within the billing cycle. I made the full payment of new credit card purchases, and was still charged interest. At Home Depot you can use your credit card ( without interest ) as long as you make the minimum monthly payment. Citibank is conducting false advertising by claiming this offer is interest free. It is not interest free.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 11-07-2016 about Consumer Loan (Pawn loan) with WELLS FARGO & COMPANY (CA).
Issue: Payment to acct not credited

Complaint: I have a loan ( should be had ] with Wells Fargo bank. It is secured by two c.d.s. of {$50000.00} each This loan could be paid off anytime. XX/XX/2016 I made a payment of {$67000.00} against a balance of $ XXXX.The check was from a title company whom I had gotten a loan from This should have been simple, pay off my loan, and give me a refund. XX/XX/XXXX was a XXXX and I was told it would take to next week to clear the transaction. My receipt said it would take 3 days to post but it will be credited to your account. 
I went back to the Wells Fargo branch on XX/XX/XXXX and asked why my loan still did not show being paid off. XXXX called and was told it was taking time. In addition, I was told there was a check in the mail of {$4700.00} being sent to me. 
I waited till XXXX, no check and still showing a balance of now {$64000.00}. I asked where my check was and was told there is no check, we will deposit the money to your account. 
This is now XX/XX/2016. It has been ten days since I paid this off and I have no refund money and I still owe now {$64000.00}. I was also told when I asked that my c.d.s which secured this paid off loan would take 2-3 weeks before they could be released. This would mean from the date of payment that my c.d.s would be held for 31 days. Why? 
XX/XX/XXXX, I was told by XXXX that he had tried to call me and sent an e-mail ( strange I have an answering machine and no message and surprise no e-mail on my computer ) that wow my loan only showed that I owe {$1700.00}. 
The overpayment money was still not deposited to my account. 
How XXXX are the people that handled this transaction? 
They could have paid off the loan and put the overpayment money into my account. This is now XX/XX/2016 and once again I will go in and see if my refund money is available. 
I just want to get this finished, have my loan say zero, have my refund, and have my c.d.s

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/17/2017 about Credit reporting () with Credit Technologies, Inc. (GA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: I requested a copy of all three national credit report and there was a hard inquiry on my credit by a third party credit reporting agency. I submitted a certified letter to Credit Technologies, INC. requesting a freeze on my credit report. They responded by saying that the hard inquiry could not be removed from my report, in which I did not ask that it does. I asked for a freeze and that was not honored. I feel that hey are indeed trying to give me the run around.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Midland Funding is reporting a debt of {$4400.00} for XX/XX/XXXX. at one time it reported 2 debts for {$720.00} during this period I disputed, and they changed it to XXXX. A debt of $ XXXX for a period taken in XXXX reported and removed. 
XXXX was reported in my name 2 times taken out in XX/XX/XXXX. and updated. However now this amount of $ XXXX plus is reflecting again. There has NEVER been an account opened from XX/XX/XXXX, with a credit limit for an amount of {$4400.00}. Please ask the Midland funding Company to show the signed contract, along with an offer for a credit line of XXXX plus the credit card number. There is clearly a shell game going on here with the Midland Funding Company. Thank you for your time. XXXX SPEED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-12-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (NY).
Issue: Using a debit or ATM card

Complaint: XX/XX/2016, I ordered XXXX items using my debit card ( for {$65.00} ) from a web store in the XXXX. The items arrived from XXXX on XXXX XXXX and they were the wrong brand, shape, color, design, etc. 
I contacted the merchant and immediately began receiving spam mail ( now i think the site is fraudulent. ) I called Chase Bank and explained the situation. They gave me a credit and said they would be in touch. 
On the morning of XXXX XXXX, Chase said they required me to find a merchant and have them sign a document stating that these items are incorrect. I offered to send the entire package to Chase so they could see the labels themselves and I also offered to send photos. They are claiming that I must visit merchants and get someone to type a letter for me on their letterhead to say that I was defrauded! This is completely outrageous. I just went to my local store and they looked at me like I was crazy. What business owner is going to agree to do such a thing, especially for a non customer? This appears to be a way for Chase to put the burden on the already taken advantage of consumer. I have been a customer of chase for over 10 years and I have NEVER filed a dispute. There is no reason for them to NOT believe me. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2016 about Credit card () with BARCLAYS BANK DELAWARE (FL).
Issue: Closing/Cancelling account

Complaint: I applied for a Barclays world master card and shortly after I received a email stating that it was approved and the card was on the way. I also applied for XXXX more Barclays credit cards within a two day period.shortly after applying for the latter XXXX cards. I later received a email stating that I need to call in and verify information associated with my credit card application. When I called in to speak with the rep he stated that " the system could n't pull up any public database question and that I needed to send in a copy of my drivers license, ssn card, and a current utility bill. 

The strange thing is when I logged in to the online account I created for the Barclay world master card database question popped right up with no issues. I answered all the and passed the identity verification. When I received my Barclays world master card in the mail and attempted to activate it. the card it was blocked and It prompted me to call in and speak to a representative. when I spoke to the representative he asked me " verify my identity again. '' I again answered all of the question and rep stated he said congratulation your card is approved, a few mins later I attempted to make a purchase online only to find out that my purchase was declined so I had to call back in a 3rd time and they stated that i needed to send in '' ID ''. Are you serious??? according to the system I passed identity verification twice. what is the need of sending in my sensitive personal information that will pass threw god know who 's hands. I got approved for XXXX XXXX credit cards the same weekend with a different bank and have already received the cards with no issues. so at this point I would like to just close the account and have the trade line removed from my report. barclay is a total joke and I do n't want any of there cards ever in life.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2017 about Bank account or service (Checking account) with BBVA COMPASS FINANCIAL CORPORATION (KY).
Issue: Deposits and withdrawals

Complaint: {$850.00} was transferred from my husbands account to mine on the XXXX, but it has never arrived in my account with Simple Bank ( backed by BBVA Compass ). I 've been on the phone with them many times and keep getting push back. I have been on XXXX conference calls with Simple and the bank the money was transferred from with no resolution. We have sent money this way many times with no issue. The money is out of my Husband 's account, we gave Simple the ref # and they said they still ca n't so anything with it. We have been waiting from a call from Simple 's dispute team for over a week.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Other debt) with ResidentCollect, Inc. (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: contacted this company several times to advised I was a voctim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (IL).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I do n't feel I own this loan I was enrolled in what i thought was free program that closed while i was attending the school. After a while i started getting bills and was not sure what to do or how to go about getting this issue corrected. In order to stop for getting a wage assign me i went into consolidation to stop this because I could not afford assignment. I asked for simple copies of signed documentation showing i signed for this loan. The company is claiming the school closed XXXX-91. I do not agree with that It closed while i was there. I 'm asking if their claiming it closed that date can the please provide their information. The school did not give me any closing information and missing paperwork

Company response to consumer: Closed with explanation
Consumer complaint received 03/25/2015 about Consumer Loan (Vehicle loan) with DriveTime (FL).
Issue: Managing the loan or lease

Complaint: We purchased a car on XXXX XXXX made timely payments and it was being reported to the credit bureau and we paid it off on XXXX. Since we paid it off it is no longer being reported to the credit bureau. I called to see what was going on and they said they had to stop reporting due to some inaccuracies when being reported to the credit bureau. But they would start reporting again the last of XXXX 2015. About a month later, I called back and they said that there was still some inaccuracies and they had to stop reporting again. I ask if anything on our account was inaccurate and they said my account was correct but that they stopped all reporting. That they will start reporting again and if they found more inaccuracies, they will stop reporting again. My problem is that we are in the process of buying a home and I need my payment history to be applied back to all XXXX credit bureau so that my scores to increase.

Company response to consumer: Closed with explanation