milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-05-2017 about Debt collection (Other debt) with CCS Financial Services, Inc. (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: Wrote letter on XXXX to XXXX XXXX that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised XXXX XXXX to removed incorrect information off my credit report. More importantly, XXXX XXXX are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
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 TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After previous help from the cfpb on this XXXX account being reported as delinquent on my credit report the collection line was removed and there hasn't been a problem. but six months later as of XX/XX/ 2018 my fico credit score dropped 100 points because this XXXX account is being reported again in a way that shows a delinguint balance. there is no way for me to pay this balance or to pay XXXX  any monies towards this account as they lost the class action suit with the cfpb and were directed not to enter the credit line and not to recover any payments towards accts. as I stated my fico score has not been impacted since the cfpb took steps to help me 6 monthes ago but as XX/XX/2018 it started coming up as a serious delinquency again. so I would like your help with XXXX  reporting this line once again when there is no way for me to satisfy.

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 11/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint: Over six months ago, I received a request for detailed financial information from Chase Bank, where I have 3 credit card accounts - XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX cards. As one option was to take the information directly to a branch, I did so. I was concerned about someone requesting this detailed personal financial information fraudulently. The bank associate told me he was unfamiliar with this request, and that I should ignore it, as it did not look like a valid request. I did so, and continued to use my credit cards and pay the entire balance off on time as I have done each month for years. Today, XXXX XXXX, XXXX, while attempting an online purchase, I discovered that the bank had closed all three of my accounts without notice because I did not provide this information. My discussion with the bank was useless. I want the fees that I paid to have these credit cards refunded to me, as they have closed my accounts without notice and without valid reason.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Payday loan, title loan, or personal loan (Payday loan) with CURO Intermediate Holdings (CA).
Issue: Received a loan you didn't apply for

Complaint: I am  XXXX   XXXX  due to a   XXXX   XXXX   and was misinformed of how the debt would be paid back. I was in an open chapter  XXXX  bankruptcy when monies were given and was told that i would not have any interest to pay. i explained that i had a caregiver that handles my bills and was told that it was not nessecary to have anyone look at this that it was a short term intersest free loan. I believe this was in  2014  when I was living in  XXXX  and now live at my moms house in  XXXX . I was told that they would take money from my checkimg account for 3 months and then I would not owe anymore. I thought it was a  XXXX  benefit not a loan and was told the original payments were for there service of obtaining the loan. It continued causing me to lose my checking account for being overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2015 about Bank account or service (Savings account) with U.S. BANCORP (OH).
Issue: Account opening, closing, or management

Complaint: US BANK - XXXX XXXX, 2014 DISPUTE AMOUNT XXXXUS BANK XXXX XXXX XXXX, 2014 DISPUTE AMOUNT XXXXTO WHO THIS MAY CONCERN : FUNDS WERE TAKEN OUT OF MY ACCOUNTS. THESE ACCOUNTS WERE SATISFIED. THESE ACCOUNTS ARE IN GOOD STANDING PER BANK BRANCH MANAGER. PLEASE REMOVE THESE NEGATIVE ACCOUNTS OFF MY FILE. OR SIMPLY UPDATE THEM. MY ACCOUNTS WITH US BANK ARE STILL OPEN AND POSITIVE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OH).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient has yet to reply to multiple notarized letters sent via certified mail. I also have a certified list from XXXX and XXXX of over 100 calls to my home and cell phone numbers, despite the request to cease and desist in writing, and verbally on a recorded line. Each of these calls are XXXX dollar fine. I have asked them to please advise XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX of these FDCPA violations and Contract Default. I would prefer to settle out of court, but they clearly will not cease and desist, or acknowledge contract default.

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: XXXX sells wrist watches online.It advertises on TV nationwide.XXXX XXXX owns XXXX.Some time in XX/XX/2017 and a few times thereafter, I purchased cheap wrist watches from XXXX for approximately {$200.00} ( XXXX XXXX dollars ) on an installment basis with no interest. I authorized XXXX to draw money from my checking account as the installment payment falls due. After a few weeks I noticed that XXXX was not applying the money it was collecting from my bank account. I called XXXX about it and I even faxed three times copies of my bank statement showing the money it collected.I also sent a certified mail with return receipt to XXXX XXXX with the copies of my said bank statement. They just ignored or disregarded my faxed messages and letter. They kept calling and emailing me. They also referred me to a collection agency who threatened to have judgment against me. Without coordinating their collection, efforts, XXXX and XXXX XXXX kept sending separate bills with late fees, high interest and different amounts without including the amounts collected from my checking account. XXXX XXXX   reported to the three credit bureaus that my account is delinquent. I filed a complaint with BBB and BBB said they have not responded.

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 10/14/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (GA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: Navient instructed us to place student loans in forbearance when my wife lost her job, knowing they would still be able to charge us interest on all the loans which amount to over $ 100K. They never informed us of other options, only instructed us that was the only option. 

They allowed this practice to take place of over a year, which only increased the amount that we now owe. This took place throughout XX/XX/XXXX and XX/XX/XXXX. When we were no longer able to place the loans on forbearance we were then instructed on income driver repayment plans which is convenient for Navient seeing as they charged interest on $ 100k+ for over a year at an average rate of 8 % -10 %. 

Fast forward to now, my wife is still out of a job due to childcare needs and we are in a income driven repayment plan that I more then we can handle, which was explained over the phone to Navient but they did n't care. Navient refused to take into account other student loans, medical bills and at the time a mortgage. We have since sold out house and moved in with family, a family of XXXX living in the basement of their parents. This could have been avoided if Navient were flexible and straightforward with our options. 

Navient is all over the news for this practice, we to have fallen victim to their practices of forced forbearance. Our credit scores have been affected as well because the ever changing practice of how the accept payments. After setting up a repayment plan Navient conveniently set up the payment date to take place AFTER the loans were due, proceeded to then charge late fees and report the late payments the credit agencies. 

I write this now as our repayment plan will need to be reevaluated this month with Navient, a process that I know will take weeks of constant phone calls only to find out that they do n't care about how we live our life, only how much money they can steal from us. 

I would like to be added to the open Navient law suits, my family is a prime example of the scams Navient has burdened its customers with.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Consumer Loan (Vehicle loan) with March Motors, Inc. (FL).
Issue: Taking out the loan or lease

Complaint: I purchased a XX/XX/XXXX XXXX from March Motors. Buy here Pay here establishment. I paid {$200.00} for the tag. My payment books shows XXXX bi weekly payments of {$240.00} and the last ( XXXX ) payment of {$170.00}. 

The tag was only {$170.00}, leaving a credit of {$20.00}. My Florida Vehicle Registration shows hand written the credit will be applied to loan. 

XX/XX/XXXX, I received pay off balance of {$1300.00}. I then asked for pay off balance again On XX/XX/XXXX concerning my last payment per scheduled payment statement for XX/XX/XXXX. 

I was informed by email on XX/XX/XXXX by written attachment of {$380.00} after making a payment of {$240.00} the same day. 

Now according to the payment booklet, my last payment shows last payment of {$170.00}. 

At this point, I asked for itemized payment history. I would only receive statement of {$380.00} until XX/XX/XXXX. 

I have asked by email over and over for itemize statement, to no avail. 

Now after sending email to XXXX of March Motors ( Cashier ) that I would be filling complaint to Consumer Financial Bureau, I finally received partial itemize payment statement. I also asked over and over, how when last statement shows {$170.00}. 

I have yet to receive an answer. 

This establishment will not allow grace periods, therefore how is that amount accurate? I have yet to see what are the late fees along with interest. 

I have emails along with documentation of my tag statement. It is not adding up. 

How is the last payment {$380.00}? 

Please assist so I can pay this vehicle off. 

I have documentations of payment scheduled printout, along with emails for my proof. 

Please assist. 

RespectfullyXXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/26/2016 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Using a debit or ATM card

Complaint: Bank of american wo n't submit XXXX corrections for credit inquiries to XXXX credit bureau Inquiry XX/XX/2016 and Inquiry XX/XX/2016. This has been an issue since late XXXX. After the first inquiry. Needs to be submitted to 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 03/15/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XX/XX/XXXX my immediate family suffered XXXX tragic deaths. We all pulled together and had to pay for XXXX funeral/burials - then again in XX/XX/XXXX, my XXXX and XXXX passed, leaving us to bury them also. In XX/XX/XXXX I fell behind on my credit card payments due to the foregoing and contacted my creditors looking for a way to resolve the issue. They all referred me to a Debt Relief Program to assist me and assured me that they work with the consumer once you enroll in the debt relief program. I did so and enrolled with XXXX paying them every month for payment to my creditors. However, this is not what happened. Creditors closed my accounts and reported to the XXXX credit bureaus my accounts were " charged off ''. THIS IS NOT WHAT THEY PROMISED ME and now my credit has been ruined I have been unable to obtain decent interest on loans and unable to rent a place because of the negative reports. I eventually obtained a Consolidation loan through XXXX and all creditors were paid in full = some according to a negotiated balance. Capital One in particular has reported me as a charge off and some accounts do not show the balance paid in full. I have faithfully paid Consolidation Plus each month for my monthly payment for almost one year and will continue to do so until the balance is paid in full. My complaint is that these creditors promised by enrolling in a debt relief program that they would work with them and thereby saving my credit reputation from any negative reporting. This has not been done and now my credit score is suffering. While I realize the tragedies that happened were not the creditors ' responsibility, I could have filed bankruptcy and had all of the debts, including mortuary and cemetery charges discharged but I did not. I have paid them all off and continue to pay until the loan is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Debt collection (I do not know) with Merchants Credit Corporation (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Collection Agency is Merchant Credits and Original is from Virginia XXXX XXXX for {$170.00}. I contacted both of them on XX/XX/XXXX and this is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2017 about Mortgage (Conventional home mortgage) with Ditech Financial LLC (NJ).
Issue: Struggling to pay mortgage

Complaint: As noted in a previous complaint, the company was dual-tracking during the loan modification process. First application was denied and the appeal was denied but they referred the account to foreclosure during the process before decisions were made. They denied this of course, even though the account was referred to foreclosure after the appeal was submitted but before a decision was made on the appeal. The new issue is that the company encouraged re-applying for assistance, so we submitted a new application. They contacted us that they needed updated pay stubs.These were submitted on XXXX XXXX, well before their stated deadline they gave to " preserve our protections. '' As of XXXX XXXX, we have not received any further information from the company as to the status of the second application. We have left messages with our account representative numerous times asking for an update, but we have not received a response. It is beyond the deadline for them to have given us a decision but we have not received any information from them. We are assuming they have proceeded with the foreclosure process despite not following the proper procedures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: Have tried multiple times ( at least a dozen ) and on multiple days from XXXX XXXX - XXXX ( missed the XXXX since we were dealing w XXXX XXXX ) both by email and by phone to put a security freeze on my account with Equifax. Ive put in my personal information at least 10 times both online and on the phone system and after doing that either get no response, cut off or a message that says a security freeze can not be completed at this time. 

This is unacceptable when they have had a security breach. 


Mailing my social security number, copies of my identification and credit card number is NOT an acceptable solution as that is even less secure than Equifax 's system. Unbelievably this is what is suggested. Why would anyone do it that way?????

Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2017 about Mortgage (FHA mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Trouble during payment process

Complaint: I have switched my home insurance to XXXX in XXXX. Quick Loan escrow made a payment to XXXX on XXXX XXXX in the amount of {$1100.00} and got a refund back from XXXX on XXXX XXXX because the payment was to the wrong XXXX. I was not aware that the payment was to the wrong place and refund was received until I got the cancellation notice from XXXX. I called Quicken Loan escrow on XXXX XXXX and they assured me that the correct payment will be sent out via overnight mail. I received a final cancellation from XXXX again, as the result, I had to pay out of my own checking account in the amount of {$1200.00} as the result of late payment. I called Quicken Loan escrow again to find out the status of the payment. Apparently Quick Loan escrow sent out a check in the amount of {$1100.00} on XXXX XXXX in the regular mail instead of overnight. As the result of Quicken Loan escrow. I end up paying additional late fee and the risk of cancellation on my home insurance policy. Quicken loan not only did n't pay my home insurance on-time, it was also paid in the wrong amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Second Round Limited Partnership (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On XX/XX/XXXX I contacted Second Round LP in regards to a collection reporting on my XXXX  credit report which I have no idea it was still on there. I was told by the XXXX XXXX agency XXXX XXXX infomed me that this account has been in dispute for over 2 years. He informed me the account was originated XXXX XXXX and XXXX XXXX took over the account which he said the information is reporting wrong address and name. A dispute to this account was on XX/XX/XXXX through XXXX  and did not get a response within 30 days. I m very distress because this account is fraduently reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 07-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Mortgage Lender Services, Inc. (CA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Sunrise Assessment services repeatedly made numerous collection violations and errors in their collection practice by failing to properly notify of attempted debit collection by Sunrise Assessment services to the proper party. Sunrise failed at any attempts to ensure accurate records of party 's contact information and address in order to make proper notification and attempts of debit collection. 

Additionally it is believed Sunrise Assessment services illegally disclosed and discussed debit matters with persons other than parties pertaining to claimed debit.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Consumer Loan (Vehicle loan) with Bridgecrest Acceptance Corporation (AZ).
Issue: Managing the loan or lease

Complaint: My husband made a loan modification in the beginning of XXXX 2016 to bring the account current. Since then he has made 4 on-time bi-weekly payments as per the loan terms. When we disputed information reported to the credit bureaus in XXXX, the credit bureaus stated that they received information from the lender on XXXX XXXX, more than 30 days after bringing the account current, that my husband was still 60-89 days late and had not made a payment since XXXX. This is hurting his business very badly as it is for his work truck which is having problems and we need to trade for a more reliable vehicle and it is also preventing him from being able to obtain business credit. ( It is also hurting us regarding buying a home which we are in the process of qualifying for. ) The lender is aware of this as they were informed of this in XXXX and advised me they would report it current within 30 days ; they have yet to do so. I do have a letter on their letterhead dated XXXX XXXX that my husband is current, but they have not reported it accurately to the credit bureaus. I have evidence of our dispute with XXXX wherein they informed us the furnisher states the information they provided, that my husband was 60-89 days late and had n't made a payment since XXXX, is accurate. It is now XXXX XXXX. I believe they are in violation of the FCRA and we will sue as a result, and seek attorney 's and court fees, but this still needs to be amended immediately and recorded accordingly.

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 08-04-2015 about Debt collection (I do not know) with Oracle Financial Group LLC. (FL).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: This company has called myself and family members several times stating that I owe a debt with them and if I do not pay immediately they will send a courier with court documents. When I ask for the original loan info they begin getting angry and say that they do not have to give me that and they are going to sue me. I told the caller I will not make any payments without proof of the original debt and I did not know what this was for. The caller then proceeded to tell and use profanity and call me a liar and i will go to jail. My family members have also been contacted by these people with similar interactions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/22/2017 about Debt collection (Other debt) with National Credit Systems,Inc. (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: XX/XX/XXXX2017 An amount of {$710.00} was reported to my credit. When i inquired it said it was from XXXX XXXX. This was my old apartment and i had moved out according to my lease but, I have no idea what this bill is for. I called them and asked to speak to the manager but they said they are having change in management. 
How is this even fair for someone who never received the bill? Also, they are not willing to work with me. I have no idea what I am being charged for. This company is making fraudulent claims on my account because they did n't send me any bill and I have no idea about these charges.

Company response to consumer: Closed with explanation