milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2015 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (AL).
Issue: Managing the loan or lease

Complaint: My name is XXXX XXXX and since 2004 I have been paying {$190.00} per month on a loan amount of {$10000.00} to, XXXX XXXX, but now to Springleaf Financial. 

My Annual Percentage Rate ( APR ) is 15.99 %. My Account # XXXX presently only allows me to make an ACH loan repayment monthly in the amount of {$190.00} on the XXXX of each month from my XXXX XXXX XXXX XXXX XXXX XXXX checking account. Now I have been informed by Springleaf Financial that my : * Credit Limit is $ 0.00* Available Credit is {$0.00}. 

When I originally set up this loan, I was provided checks to write against my " Available Credit '' and make purchases accordingly. Up until Fall 2014 that was still the case. Now I am not able to write any checks or requests any monies against my " Credit Line ''. I was told by a Springleaf Representative that this was caused by my poor credit rating and my inability to make minimum payments to my other credit cards in which I have gotten behind on, by not making timely payments. 

My complaint is that I have made on time monthly loan repayments to Springleaf Financial over the years and that I should not be penalized by Springleaf for my inconsistent credit card payments with other companies. 

Also, if I do not have a credit line that I may access and I am not allowed to re-negotiate the terms of my loan, then I asking CFPB to give me some guidance and a way-forward out of this non-benificial loan for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NE).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: On XX/XX/XXXX I made two payments to my credit card account with Citibank, one in the amount of {$4000.00}, followed a few minutes later by one in the amount of {$1000.00}. Upon looking at my account later the next day, while both payments had been taken from my bank account, only the payment for {$4000.00} was reflected. I waited another day, calling on XX/XX/XXXX. At that time I was told by a representative that sometimes they have a hold for up to 7 business days before a " floating '' payment as my second payment was referred to, is applied. It is now XX/XX/XXXX, I have called Citi and my payment is still not applied. According to, XXXX, who I have spoken to, they are not sure when said payment will go through. What recourse do I have to force them to acknowledge payment and reflect that in both my payment history and my fee schedule, or simply get my {$1000.00} back?

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 11/17/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: XX/XX/17 at XXXX Eastern was the last call. There have been several others that I did not log the time ( I will if this continues ).
I XXXX XXXX XXXX as my source of income. The phone number involved is a mobile phone that I use for work. Passengers need to be able to contact me. I have received multiple calls from Portfolio Recovery after telling them to never contact me on my business number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/16/2018 about Checking or savings account (Checking account) with U.S. BANCORP (TN).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: On or about XX/XX/XXXX, XXXX XXXX called me and " apologized for the bank charging overdraft fees and said don't worry about it, take care of your family, we will clear up the account, and he was sorry, he did not know XXXX XXXX had XXXX, she was a good customer and he knew her for a long time. '' On the other hand, the bank was well aware of the change, because I received a letter in the mail from the U.S. bank that XXXX XXXX 's 2 monthly direct deposits ( checks ) were refunded back to the senders ( companies ). No one authorized the bank to pay anything for XXXX XXXX. Aforementioned, mother XXXX on XX/XX/XXXX. They were very well aware., why would the bank continue to debit her account knowing this fact? Is it to make money off of the elderly? 

Anyway XXXX XXXX promised to clear the account with a XXXX balance, not with low funds, as if it was her practice. No one authorize the bank to pay anything, XXXX XXXX 's monthly w

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 03-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with AAA Collections (SD).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: We sent a dispute letter on XXXX XXXX, XXXX questioning the SOL of a judgement from XXXX XXXX and how they got a judgement without proof of a debt. XXXX XXXX they filed to renew the time barred judgement and on XXXX XXXX they attached my husband 's bank acct. and withdrew {$610.00}. We have numerous reasons to vacate the judgement in the first place and of AAA Collections in XXXX XXXX, SD violating the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Credit card () with SYNCHRONY FINANCIAL (AL).
Issue: Transaction issue

Complaint: I am contacting your agency because I need your help in disputing some charges done on my JC Penny Mastercard by a fraudulent company. I have paid several companies XXXX of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid one company my phone got inundated with calls from these companies offering me their services. XXXX XXXX XXXX was one of them and I would like you to investigate all charges done by them on my JC Penny Mastercard. They charged me twice once on XXXX/XXXX/16 for {$3000.00} on the statement says XXXX XXXX XXXX XXXX WA, and the second charge on XXXX/XXXX/16 for {$3500.00} on the statement says XXXX XXXX XXXX WA. I realized I paid XXXX of dollars for these companies. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with and get my refund but they ignored my requests.

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 monetary relief
Consumer complaint received 06/29/2015 about Mortgage (Conventional fixed mortgage) with PNC Bank N.A. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I HAVE A LOAN WITH PNC AND THEY ARE REFUSING TO GRANT MY DEED IN LIEU AND ARE REFUSING TO GIVE ME ANY RELOCATION ASSISTANCE WITH MY DEED IN LIEU. I HAVE SENT THEM THE DEED AND I AM ENCLOSING THIS GRANT DEED AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2017 about Credit card () with Colony Brands, Inc. (LA).
Issue: Other

Complaint: The company Home at five and seventh ave bought are one company. They bought had XXXX separate credit card bills on my credit report. I called to see what was going on before I had never even received a catalog or anything from them I did not even know who they were. When the representative answered my call she explained to me that they had sent catalogs to my old address from when I was a child, I had not lived there in about 10 years, but my mom still stayed there and her name is also XXXX so, I explained to the company that it was my moms credit card not mine they had put it under the wrong credit report. From that day I have been trying to get the company to take the credit cards off my report but, they refused I have also disputed them several times. They are refusing to take it off my report even though my license even says I have n't lived where they sent the catalogs. but my mom did

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 07/15/2015 about Debt collection (Credit card) with NCB MANAGEMENT SERVICES INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I 'm contacting your agency to understand why my account with XXXX XXXX XXXX would be transferred to a collection agency and per the letter from the agency account is in a delinquent status. I understood only collection accounts are turned over to agencies for payment. The letter from the agency is dated XX/XX/2015 and XXXX XXXX XXXX has just processed my latest payment to them on XX/XX/2015.Please advise

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Privacy

Complaint: Best buy credit card Citibank refuses to allow me to opt out and provide a copy of my choices. I have requested this 3 times and they refuse to comply.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Payday loan debt) with CURO Intermediate Holdings (CA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have an unverified account from Speedy Cash I had previously disputed this account. I have never done business with Speedy Cash.  Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request Speedy Cash Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Speedy Cash Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
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 disputed two California tax liens on my credit report that do not belong to me but the credit bureau verified the info as correct despite the tax liens not containing my full social security number or date of birth as now required.

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 02/22/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has failed 10 attempts at resolving improper use of my credit report. My report is locked and nobody is supposed to be able to access it. Secondly, I paid XXXX XXXX XXXX   in full both accounts, they were paid in full in good faith and closed by me the consumer. I have attempted 10 times now with supporting documentation that this is true and accurate. So, since this is not getting done, I will be filing a motion against Equifax and XXXX XXXX XXXX for direct violation of Anti-Trust Laws

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2017 about Mortgage (FHA mortgage) with FLAGSTAR BANK, FSB (GA).
Issue: Struggling to pay mortgage

Complaint: InXX/XX/XXXX, I got behind one month on my mortgage payment with Flagstar Bank, due to a financial hardship on my job. Flagstar Bank employees set me up on a Home Affordable Modification plan without discussion the details. I signed the modification plan and submitted it back to them. In XXXX of XXXX, I attempted to sell the home and found that there was a lien on the mortgage for {$34000.00} to Federal Housing Authority. This was never explained to me, nor did I have any knowledge of it. I was only behind one month on my mortgage note. If this had been explained to me, I would have never agreed to this. I have the document they sent to me to signed, there is no mention of borrowing {$34000.00} from FHA. I contact them to see what happen to the fund they borrowed? They told me it was used for the modification and the remainder was applied to my loan. I did not see my loan decrease. therefore I am requesting that this matter be investigated. I paid FHA back the {$34000.00} from my life saving in cashiers check. Therefore I am requesting that my funds be returned to me. This type of practice is wrong and manipulative and should not be tolerated.

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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WI).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I originally filed bankruptcy in XXXX under chapter XXXX and discharged under chapter XXXX in XXXX. Bankruptcy law stipulates you can only file chapter XXXX in Wisconsin once every 8 years. Credit reporting is showing I filed and twice in the same year.

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 09/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax 's absolute lack of security has caused my name, address, date of birth, and social security number to be leaked to the public. Equifax 's incompetence has put my financial security in jeopardy. I am now and will continue to be under constant threat of identity theft, harassment, and financial ruin for the rest of my life. I never gave any form of consent for Equifax to store my personal information, and I especially never gave consent for them to leak this information to the public.

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with I.C. System, Inc. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX agreed to install cable internet service at my residence. They came to the residence, put up wires, but the service was never functional. I informed them of this fact, they told me the only thing I could do was pay the outstanding bill for a month of service and then they could come out for a service call. They have since sent my account to debt collection. This does not seam fair as I never had working service from them, nor did I agree to pay them for service that they attempted to install before it was working. There is no written agreement between XXXX and myself so I am at a loss to explain why they are sending my account to collections or even how it is possible to send an account to collections based off of the non-contractual relationship we have.

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2016 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: Equifax has fail to provide accurate and timely results on negative and unverifiable information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 04/30/2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Other

Complaint: Bank of America refuses to deliver credit card statements, alerts, and other communications to my valid email address. I am being denied credit card security and convenience features that their other customers get. My email address is on a domain that is hosted in the XXXX on a XXXX XXXX business Internet connection with a static XXXX address. It has been in existence for more than a dozen years and enjoys a sterling reputation, not appearing on any blacklists for malware, spam, hacking, etc. 

I had previously opened a case about this and there was no resolution. I sent a letter via XXXX mail in XXXX of 2014 ( enclosed ) to their published mailing address. I did not receive a reply of any kind.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (AZ).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I applied to change my repayment plan over three months ago, the amount of time they need for my repayment plan to update has passed, but FedLoan refuses to change my plan, forcing me to keep calling in and asking for forbearance. It is very frustrating and I have wasted hours on the phone listening to empty promises. I just want a simple change to my repayment plan but FedLoan ca n't even do this. It is pathetic.

Company response to consumer: Closed with explanation
Consumer complaint received 11/25/2017 about Debt collection (Other debt) with Collection Bureau of America Ltd. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Debt collector CBA collection bureaus ( original creditor XXXX XXXX XXXX XXXX XXXX ). Opened XXXX XXXX,2015 is trying to collect debt that is invalid. High balance {$140.00} ( balance {$170.00} ).  The debt collector has illegally tried to collect debt thats invalid, theyve illegally inflated this debt and IF this is valid I havent received an original contract of my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: On XX/XX/XXXX I received an email notification that my statement was available online. I was shocked to discover that I had exceeded my credit limit by approximate {$600.00}. 

On XX/XX/XXXX I reviewed my statement online and contacted Discover. To put this as succinctly as possible, there were a total of 17 transactions authorized beyond the credit limit. 

The first transaction exceeding the credit limit was on XX/XX/XXXX. Subsequently, an additional 16 transactions were authorized, including the final transaction pending on XX/XX/XXXX, the day I called in. 

Discover agreed not to charge an over limit fee, and also agreed they would not be charging an over limit fee in subsequent statements, under full knowledge that, if I only paid the minimum amount due, I would still be exceeding my credit limit by {$350.00} at the time of the discussion on XX/XX/XXXX. 

While it may be nice from a consumer standpoint, to not have been charged an over limit fee for a transaction that exceeds the credit limit, I find it incredibly excessive, and possibly abusive, that the company would continue to allow an addition 16 transactions to be authorized over the course of the next 3 weeks, resulting in a balance approximately {$600.00} above the credit limit. 

While I appreciate the company agreeing not to charge any over limit fee, I am concerned they may raise my interest rate, and perhaps more importantly, they have put me in a position of debt that I never had to be in. 

I feel that some type of penalty should be incurred for Discover 's practice in this matter. I fear that I may not be the only consumer dealing with this scenario, and I am filing this complaint to be proactive and make sure this practice does not continue.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: XXXX reported a security breach making me vulnerable to identity theft. The only method to completely protect myself was to place a freeze on my personal information on all four credit reporting agencies. This has cost me {$31.00} and ten hours of my time so far and will likely increase after temporary freeze expires. I feel I should be reimbursed for this. This breach was totally out of my control.
This is not the first time a security breach has resulted in my personal information being exposed. It is past time for regulatory agencies or Congress to fix this permanently - credit reporting needs to be secure - I should be able to lock down my personal information with something other than my social security number and birth date.

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 03/17/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Transunion continues to post a report of a duplicate negative report from XXXX XXXX XXXX Transunion # XXXX despite my continued complaint that this account is in Arizona, and not XXXX account. I have no account with XXXX XXXX, and I owe NO money to XXXX XXXX. Arizona is the originator of the account, and should be the only XXXX reporting to the credit bureau. See attached XXXX credit report showing the reporting of the account which was also reporting twice the same account. This was recently cleared up. I was just turned down for a credit card with XXXX on XX/XX/2016 due to my credit. See attached. This incorrect posting of this account can affect my job prospects as well. The facts are that I have overpaid my Arizona child support by {$8000.00} plus dollars, but that 's another story. Please take into account my XXXX years of military service of this country, and how I must feel being unfairly punished by this misreporting, and seemly impersonal process by Transunion.

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