milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/28/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Last XX/XX/XXXX, I called XXXX XXXX to inquire about the due date of my payment. The agent who answered my call told me that I was pre-approved to get a XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and/or XXXX XXXXXXXX XXXX. I told him that I already have a card and it might affect my credit report and credit score if I get another card. He informed me that I can get as any additional card from XXXX XXXX without affecting my credit report, since " they are all in the same family '' ( these are his exact words ). I said, okay as long as it will not affect my credit report and credit score. The agent then applied 3 cards, XXXX, XXXX  and XXXX. While checking my inbox on my email, I got credit alert from XXXX  on XX/XX/XXXX stating that XXXX XXXX pulled my credit report and my credit score decreased by 2 points. Again, I received credit alerts on XX/XX/XXXX stating that XXXX XXXX pulled my credit report from Transunion and XXXX. Another report was pulled from XXXX on XX/XX/XXXX and my XXXX XXXX dropped by 9 points. A total of 4 credit reports were taken from the 3 credit bureaus ( 2 from XXXX and 1 report each from TransUnion and XXXX  ). How can XXXX XXXX do this? I called XXXX XXXX right away to inform them about what happened to me. I was misled and made to believe that XXXX XXXX would not do a hard inquiry on my credit report. I was deceived and tricked into agreeing to apply for additional credit cards. On XX/XX/XXXX and XXXX, XXXX, I received two letters from XXXX XXXX stating that the XXXX credit bureaus have been instructed to cancel the credit inquiry. XXXX removed the XXXX XXXX XXXX XXXX XXXX, while TransUnion and XXXX still continues to have the credit inquiry of XXXX XXXX in my credit report. I sent letters to TransUnion, XXXX and XXXX XXXX to remove and suppress the credit inquiry, but have been unsuccessful. XXXX XXXX sent me another letter dated XX/XX/XXXX. It stated that they are unable to comply with my request to suppress the inquiry in my credit report. That, under the Fair Credit Reporting Act, they have permissible purpose to order and review my credit report when application was submitted. Again, I sent a letter to XXXX XXXX including the conflicting letters I received from them. I feel cheated, taken advantage of and treated unfairly. I am asking for the Consumer Financial Protection Bureau 's help and intervention to solve my problem, since the hard inquiries have given a negative impact on my credit report. Thank you!

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 03/23/2017 about Consumer Loan (Installment loan) with LENDING CLUB CORP (FL).
Issue: Problems when you are unable to pay

Complaint: lendind club do n't let us pay off our debt using other bank account. We have my ant wife living in XXXX and she give us ( money ) ( her account information for that purpose, ( XXXX account ). Lending club is unable to procedure whit a payment for that simple reason that account owner can speak XXXX and they can verify authenticity of the account because they do n't have a translator. or they are concern above the losing money in interest?

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I called to ask for pay for delete letter for the $XXXX debt that I had with Portfolio Recovery before I paid it. They said that they couldn't send one before but when they got the payment in full, that they would delete the account from all credit reporting agencies within 30 to 45 days. When I called about a month after it as paid the rep told me they couldn't delete and that they would send me a paid in full letter. They claim the calls are monitored and recorded, so I would like for them to go over my conversation with the rep who told me the account would be deleted from all credit reporting agencies and delete this account. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Customer service / Customer relations

Complaint: on XXXX/XXXX/2016 I made a payment in full to Capital One on my secured credit card. The limit on the card is XXXX the balance owed was XXXX. I paid the entire amount. I have never missed a payment and so far as I know I have never had a payment returned. In good faith I went out to use the card and was unable to use it. Upon calling Capital One I was informed that they were holding my funds. At no time in the year that I have had this account have I ever had funds held for verification of payment. XXXX a customer service supervisor at Capital One would do nothing to assist other than to tell me to call them when the bank is open so they can verify the payment has cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (OH).
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint: I used my  American Express    XXXX   XXXX   XXXX   to pay for a rental car at  XXXX  in  XXXX , CA on    XXXX   XXXX   XXXX     . {$170.00} in damage occurred to the vehicle that I did not do. I did not purchase their insurance because this particular card has the built in insurance to pay for these types of things. AMEX assurance has refused to pay saying that my card is not in good standing which is totally wrong as I pay off my balance monthly and have an   XXXX     credit score  .

Company response to consumer: Closed with explanation
Consumer complaint received 12-02-2017 about Debt collection (Auto debt) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: XXXX/XXXX/XXXX - letter sent to Lease company - XXXX  XXXX - about identity theft - XXXX -  XXXX delivered : XXXX/XXXX/XXXX ( attached ) - {$47000.00} XXXX/XXXX/XXXX - Letter received from XXXX  XXXX Fraud Department - form needs to be filled XXXX/XXXX/XXXX - letter ( requested form ) sent to Lease company - XXXX XXXX - ( USPS tracking no : XXXX ) - delivered on XXXX/XXXX/XXXX - FTC 's identitytheft.com law enforcement report included - notarized, as requested ( attached ) XXXX/XXXX/XXXX - letter received from Lease company - FTC 's identity theft - FTC 's report is not sufficient, they need a letter from New Jersey Police - that they are investigating the case XXXX/XXXX/XXXX - reported in New Jersey Police Department the Identity Theft, confirmation issued ( attached ) XXXX/XXXX/XXXX - Police statement sent to XXXX  XXXX ( attached ). They said that they need detailed investigation report from police and until they receive that I am still responsible for a car lease what I never signed ( I was not even in the country ). 

XXXX/XXXX/XXXX - email sent to XXXX XXXX ( XXXXXXXXXXXX ) on XXXX XXXX, XXXX the Attorney General is not authorized to release criminal reports to noncriminal justice agencies. 

So basically XXXX XXXX is ruining my credit score ( e.g. XXXX ) as have put a default on my credit profile as they keep requesting a document what is impossible to get.

Company response to consumer: Closed with explanation
Consumer complaint received 06/13/2016 about Payday loan () with Mobiloans, LLC (TX).
Issue: Can't contact lender

Complaint: I borrowed {$800.00} from XXXX payday loan company Mobiloans. I have paid back {$1100.00} and they say I still owe another {$1100.00} in interest charges. I have defaulted on the loan and been in contact with a supervisor about making some kind of deal with them and he was suppose to call me back and I have called every day XXXX4 times a day and he will not get on phone nor call me back, His name is XXXX he goes by XXXX around the office. I can verify I have been calling him daily. They are threatening to ruin my credit. I have paid back all the principal plus some, so what there saying I owe is all interest! I have offered to pay some of the interest. But they will not return my call instead just random workers call me several times daily demanding payment in full. Please help!

Company response to consumer: Untimely response
Consumer complaint received 08/23/2017 about Debt collection (Mortgage debt) with NATIONSTAR MORTGAGE (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Nationstar has filed foreclosure without standing or jurisdiction. 
Nationstar has knowingly and repeatedly demanded payment for a debt they know is not due. 
Nationstar filed foreclosure relying on a nonnegotiable instrument. 
Nationstar filed foreclosure when it does not have a right to enforce the Mortgage. 
Nationstar breached any and all contractual obligations and is liable to me for damages. 
Nationstar did not acquire legal title to the note and is not a bona fide holder or purchaser for value. 
Nationstar is liable to me for breach of contract. 
Nationstar has committed fraud and is continuing to pursue a claim which it knows is not valid. 
Natoinstar has violated TCPA on multiple occasions. 
Nationstar has violated FDCPA and continues to do so. 
Nationstar has filed false credit reports. 
Nationstar charged for an home inspection that did not occur.

Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (FL).
Issue: Charged fees or interest you didn't expect

Complaint: I took out an {$800.00} loan through Big Picture Loans. I spoke with a customer service representative on the phone before taking out the loan, and was informed that my total pay off of the loan would be a reasonable sum just over {$1000.00}. Once the loan was approved and the funds deposited to my account, the loan documents became available showing that they are charging me an interest rate of 697.0935 % interest and the finance charge is {$2000.00}, which I never would have agreed to had it been disclosed to me by the representative. Instead of the monthly amount of {$210.00} that I was made to believe would come out of my account, they are charging me {$210.00} every 14 days where nearly {$200.00} of that is going directly to interest. To date I have made two payments and have paid {$380.00} in interest and {$46.00} to the principal. This is an outrageous amount of interest and is illegal. For an {$800.00} loan, I will end up paying nearly {$3000.00}. I am fine to pay the remainder of the original loan with a legal interest rate. However, I will not continue to pay an illegal amount of money to a company that is scamming people. I have been researching this company and have found that there are numerous complaints about this illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2017 about Money transfers (International money transfer) with PAYPAL HOLDINGS INC. (CA).
Issue: Other service issues

Complaint: I ordered items from a vendor in XXXX 4 months ago. Not until now did I receive this order. However, the item is not what I ordered. I tried to contact the seller through QQ - a chatting program similar to XXXX, after a few words, the seller blocked me from her account so I can not reach the seller anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Midland Funding called me attempting to collect a debt they say I owe. I tried to convince the lady they have the wrong person but she ignored me completely acting as if I 'm lying.. I finally hung up because she kept asking for my social security number and phone number. I told her since they called me she should already have my information. I figured it was a bogus phone call but then today I was notified they placed a Collection on my Credit report. I ca n't understand how companies can do this with NO proof of any kind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I submitted a request to remove an error on my credit report with equifax nearly XXXX months ago now. Since then they have ignored me 100 % and refuse any contact. 

After submitting a claim to the CFPB, equifax finally replied with a blatant lie stating that in my request for them to correct my credit score, I never listed what it was I was disputing. 


That 's 100 % impossible with Equifax 's system, you HAVE TO LIST YOUR DISPUTE in order to submit the dispute. I did list what item I was disputing, it was literally the only way to submit the claim, you can not submit XXXX without listing your disputed item. So how on earth can Equifax claim in any sincerity that I never submitted the disputed item on dispute form that requires you to submit that item to continue? 


Equifax are lying and still to this date refuse to remove an error on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Consumer Loan (Installment loan) with TD BANK US HOLDING COMPANY (FL).
Issue: Managing the loan or lease

Complaint: I am disputing a credit charge from XXXX XXXX in the amount of {$890.00} .On XX/XX/XXXX, I entered in to an agreement with XXXX XXXX giving me a 24 month grace period ending in XXXX I have been trying to correct this error with XXXX Research Specialist TD Bank which provided the loan. I have emailed her left messages on her voice mail, with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 04-05-2016 about Credit card () with JPMORGAN CHASE & CO. (TX).
Issue: Late fee

Complaint: I opened a Chase Slate card late last year. 
I 've been paying 3-4 times the amount due each month. The last two months I rec 'd notice ( in an email and text ) that my payment was due. When this happened to me this past month I decided to sign on to their app to make sure I had actually paid. I found that I had made the following payments ... XXXX XXXX {$60.00}, XXXX XXXX {$200.00}, XXXX XXXX {$130.00}, XXXX XXXX {$200.00}, XXXX XXXX {$300.00}, XXXX XXXX {$100.00} AND I had XXXX late charges ( XXXX XXXX {$25.00}, XXXX XXXX {$35.00} and XXXX XXXX {$35.00} ). When I called to find out what was going on and to see if I could have these late charges waived, I was told they could waive XXXX and that the late charges were occurring b/c I was paying too EARLY! They claimed I had made my payment before the new cycle had opened. After speaking with a supervisor and getting all XXXX late charges credited back, I made sure that my next payment did not get to them TOO early ( I sent {$200.00} on XXXX XXXX ). I also told them that this was a sneaky way of making money. Responsible people may WANT to pay their bills early and should not be penalized. 
I work for XXXX as a XXXX and know good and well they have the capability to look back to a prior month to check for early payments. This really needs to be looked into as I feel they are taking advantage of honest people who want to pay their bills on time. 

( Someone also needs to check this text box. When I type, only XXXX characters appear on each line. The rest may appear once I submit but they disappear on your web page. )

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XX/XX/2017 I submitted a list of items that were unknown to my records and also unverifaible. I waited on a response and after 2 months I have 0 results.

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 06/15/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (LA).
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint: I never did take out a student loan with Sallie Mae or XXXX, that Sallie Mae Keep consolidating Students Loans in my name, they have ir-legally taken my Identity, its call Identity Thief!! I think it may be XXXX University committing the Fraud, because My Students Loans came from XXXX, and XXXX XXXX is my Service Lender. Internal Revenue would actually give my Federal Refund to Sallie Mae and XXXX for Students Loans, I never did take out!!! The Treasury Department needs to be Court Ordered!!! XX/XX/XXXX irlegally taking {$840.00} tax refund of {$1200.00} ( XX/XX/XXXX ), my Federal Refund ir-legally would be garnished for Identity Thief for Sallie Mae and XXXX XXXX XXXX, I never did take!! My real loans in deferment, while I keep applying for Occupations in my field!!!! I would report to the Internal Revenue in the Highest Degree of with Sallie Mae and XXXX, and had stolen my Identity, which is still Identity Thief!! Meaning my Federal Refund goes XXXX and XXXX XXXX, and some of the catalogs!!! When Louisiana State Revenues knows better, so can the Fraudulent Internal Revenue, The Treasury Department, XXXX that committs the Fraud of giving my Federal Refund, and my business is extremely slow there is no from profit from it!!!!, I do not have a job in my field to pay on a Student Loan, I practically, live off the XXXX employers, I worked, for and you would not get {$680.00} dollars working for XXXX employers, no one really wants this Federal Agency looking into their work history!!! With Fraud that they committ!!! Part of refund was supposed be used to pay on my Credit Card XXXX {$240.00} dollars payment of them trying to lend me {$520.00}!! ( A settlement payment )

Company response to consumer: Closed with explanation
Consumer complaint received 02/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Im writing this evening about an account that was removed by Equifax but Equifax is still reporting the account from XXXX smartconnect. I will attach documents to show my proof also the account was deleted from XXXX and I would appreciate it if it was removed from XXXX as well. I also have a hard inquiry on my Equifax credit report that has been deleted from XXXX XXXX but its still being reported here is the document for that information. Equifax is putting the wrong city on my credit report my city is not XXXX XXXX   its XXXX please correct this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with WESTERN UNION COMPANY, THE (OH).
Issue: Fraud or scam

Complaint: XXXX  I sent {$100.00} to my brother via  Western Union. Af ter receiving my copy of the paperwork I forwarded my brother the reference number and continued driving as I am a  XXXX   XXXX   XXXX    XXXX   XXXX  . The next day my brother contacted me seeking more digits of the reference number as  ten  digits are required. I reviewed my document and seen the printer somehow messed up and did n't print enough digits. I contacted western union on  XXXX  regarding this matter and have continuously been told to call back  24-48 hr s. Today after going thru a lengthy process to get a live person and explaining my issue I was placed on hold and the afte r 3 mi nutes I was hung up on. This is probably th e 6th  time I 've been hung up on. When I provide the case ref # I continue to be told to call back in  24-48 hrs. I jus t called  Western Union a s I am typing this and AGAIN was told '' I will escalate this matter and please call back in 24-48 hrs ''. My most current case ref # is  XXXX , the previous ones are  XXXX ,  XXXX ,  XXXX ,  XXXX  all which nobody seemed to have any data on

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with EQUIFAX, INC. (OH).
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint: I am part of the breech of Equifax. I can not get anywhere with them. I went to their website and they said they will e mail me instructions, I receive nothing from them. I tried to call their phone number and surprise, some one did answer the phone, but he just blew me off saying I will receive an e mail the next day. Surprise, surprise, no e mail. I then contacted the Ohio attorney general 's office, and they gave me step by step instructions on how to contact Equifax, I followed the instructions and still have not heard from them. Can you help? As far as i 'm concerned, I wish they would just erase all my data and I 'd be done with Equifax. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 01/27/2016 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (GA).
Issue: Loan modification,collection,foreclosure

Complaint: I modified my mortgage. I had my own home owners insurance and Chase added their mandatory insurance. Chase refused the payments for the amount stated both in my modification and on my statements. After speaking to several reps XXXX rep stated the modification was not executed properly on Chases end and they would fix it, by sending out new docs. Docs were never sent and Chase started foreclosure process. Chase agreeed after filing bankruptcy to allow me to make 12 months of payments and then Chase would reinstate my mortgage, once again Chase refused the payments all paymenys were sent in money ordes to the forclosing attorneys office, as directed by Chase. Five months into the agreement Chase is trying to record a foreclosure from XXXX five months prior. They also told my insurance I no longer own the home and to cancel my insurance while Chase once again added its force home owners insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (UT).
Issue: Deposits and withdrawals

Complaint: I was distraught to see my car missing as we exited our apt with my mother in laws XXXX in hand. The XXXX sign had fell into the dashboard and was hardly noticeable.. The towing company took the car. They asked for {$270.00} to release the car with the original registration owner to the vehicle present. The original registration owner of the vehicle is in Arizona and the towing truck rep illegally allowed me to sign for her when it was against policy. 

I humbly asked chase bank to dispute these charges as I have evidence to support my. cause with the car being registered to the apt complex.

Company response to consumer: Closed with explanation