milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/13/2016 about Payday loan () with Ad Astra Recovery Services Inc (TX).
Issue: Charged fees or interest I didn't expect

Complaint: I borrowed a short term loan in 2015 from XXXX XXXX in the amount of XXXX. I made payments of {$140.00} every 2 weeks for almost a year for a total of {$2100.00}. It turns out NONE of the fees went to pay down the loan or toward interest and it just turned into one long vicious cycle. Now they are harassing me sending threatening emails trying to make me lose my job. They say in the emails that a court case was filed but the court said none existed. I received a text from them recently that said be at my house at XXXX to be served papers. No one came to my house. I am very frightened of their tactics and not sure if they are sending someone to threaten me in person. Then I received two letters from a couple weeks apart with one backdated to XX/XX/XXXX and another dated XX/XX/XXXX. The XX/XX/XXXX letter references a letter a never received and the XXXX said I had run out of time to validate the debt which is a violation of the 30 days allowed under FDCPA Section 809. I think they have done this as a form of harassment. I feel as if they are loan sharks capable of doing whatever they want to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Mortgage (Other mortgage) with CITIBANK, N.A. (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: We forclosed on our home 6 years ago. Have made our payments on time, never missed a payment. Now 6 years later citimortgage send us a letter stating they need hazard insurance. Made multiple phone call to try and tell them we do not want to pay for insurance on a house we do n't live in. Every time we call we are told they will investigate. Well as of today Citibank purchased insurance that they are now adding to my account. By the way they said my previous insurance expired XX/XX/2016 which is not possible. Would love anyone at Citibank to look into this I mean look cause obviously the investigative work did nothing. # 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 monetary relief
Consumer complaint received 05-12-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I would like to express my sense of disgust with these XXXX credit reporting bureaus which abuse the consumers by posting inaccurate and unfounded facts on the reports causing an adverse financial injuries to consumer. 
1- These XXXX bureaus have mixed up my social security number with probably my cousins, or other family members and have caused that I have not been able to receive loans with proper rates. 
2- The parasitic companies like XXXX, XXXX which thrive on ripping off people have filed that I had late payments or I owe them. I have letters from them that I owe nothing and the information should have not been there. XXXX erroneously had applied my payments to another account causing late recording on my account. They promised to fix it and notify these XXXX disgusting credit report agencies ( Trans/etc. ) to remove the errors. It is still there and with impunity they have kept it there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I have reached out to the company to get them to remove the incorrect late payments on my credit report and the company has failed to correct these errors. They are preventing me from securing a mortgage.

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 07-09-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax continues to put inaccurate information on my credit report. I have sent them adequate proof to remove this descrepancy XXXX debt collection XXXX off my credit report. I was denied credit with XXXX because of the debt collection. Equifax have not removed this collections off my credit report, even after I have sent them court documents where this case was dismissed by XXXX XXXX XXXX due to the fact they could not verify this debt as belonging to me. I have repeatedly written Equifax asking them to send me the " Method of Verification '' used to verify this debt as belonging to me and they refuse to send me anything. Equifax keep saying it was verified. After getting legal counsel to help with this issue, my attorney XXXX XXXX XXXX XXXX XXXX XXXX asked XXXX XXXX XXXX XXXX send them verification that the debt belongs to me. XXXX XXXX, never received anything from XXXX XXXX XXXX that they verified that the debt belongs to me. So, XXXX XXXX XXXX eventually dismissed the case against me. I sent Equifax a certified letter on XXXX XXXX, 2015 asking them to remove this debt collections of my report, with the court documents that it was dismissed by XXXX XXXX XXXX and still to this day I have yet to receive anything from them and the debt collection is still on my report. I sent the same documents to XXXX and they finally removed the debt collections off my credit report ( I added this to the PDF file, also ).

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 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: I contacted XXXX and spoke with a customer service representative, and then a supervisor. <P/>I informed them of the new policies that went into aaffect on XXXX XXXX, 2017 on Public Records and Judgements that appear on an individuals Credit Report. <P/>The Supervisor stated that I could file a complaint, but the XXXX Public Records would remain on my Credit Report. <P/>I need your assistance on having these items removed as well as reaching out to XXXX so that there Departments throughout the Country that speak with Consumers have been educated as to what can be on a report and items that should not be. <P/>Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: This dispute is in regards to Experian 's reporting of a late payment on my account from XXXX XXXX. XXXX Bank acknowledges now that my account was never late due to an address change, following which they failed to send the statement to me. I have disputed this late payment with all XXXX credit bureaus already, XXXX of which have removed the item from my report. However, this incorrect information has not been removed by Experian, and I have not been able to contact anyone via the phone for assistance. The information has been corrected already with XXXX and XXXX and I expect the negative information to be removed from my credit report immediately.

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 01-10-2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I ca n't get my score anywhere not even XXXX why?

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 01/20/2016 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: A collection account is reporting to other businesses on my credit file as an open collection. The creditor has reported to Equifax that the account is closed, XXXX balance, and was included in a bankruptcy. XXXX correctly reports the account status as closed. Equifax is the only credit bureau reporting the status as an " open '' collection. I have disputed this info multiple times with Equifax and they are not resolving my issue. I have submitted a complaint to Consumer Protection ( Case # XXXX ) and it was not addressed either. I have called Equifax and they are not resolving my issue. They told me to contact the creditor. I contacted the creditor, XXXX XXXX , XXXX, and they told me they are reporting to Equifax and the other XXXX credit bureaus that this account is closed. I am attaching supporting documentation this time to my complaint from XXXX XXXX that keeps showing this collection as an open collection. I was recently denied credit by several companies for an auto loan because of this open collection reporting to them when they pulled my credit report as well. This collection account reporting as open instead of as closed is negatively impacting my credit score even though it is a XXXX balance. An open collection harms my credit score more than a closed collection. If this complaint is not resolved this time, I will be contacting an attorney for legal services. I have been trying to get this issue resolved via telephone, dispute process, complaint process, etc. for months.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Payday loan () with Enova International, Inc. (TN).
Issue: Applied for loan/did not receive money

Complaint: I applied for a loan with company and was approved with a initial credit limit of {$650.00} that I could take out cash advances out against so I requested a {$400.00} dollar advance and was approved and I received emails showing all this from company but when it came time to fund account instead of money all of sudden they decide I do n't qualify even though they had my social security number and done check from beginning and still approved it first time should have not been rejected this is fraud doing it based on age .Also I offer to send in all papers showing income and my identity for proof based on letter but they said no which I had no problem faxing the papers to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (MI).
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint: I signed up for the delta american express gold credit card. I was told i would receive XXXX skymiles & XXXX $ statement credit once i reached the requirements. The requirements were to spend over XXXX $ in the first 3 months. I completed that task by 5x & never obtained the XXXX skymiles from american express. The XXXX $ statement credit did go through, however. I have called three times regarding this issue and I keep getting no where. It has been almost 5 months since i opened the account with american express and I expect to get better treatment than this.

Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (KS).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have written and sent a check to Walmart/SYNCB back in XXXX. I have called Walmart Credit Card services multiple times. The first time an employee hung up on me and the second time the manager had told me she would contact me once she found anything out. The company billing manager never returned my phone call. I called yesterday X/XX/17 and the billing manager XXXX was denying my payment. I have a copy of the check that was written and it was cashed XX/XX/XXXX. The payment must have been submitted to the wrong account but Walmart is not admitting to their mistake. I faxed over a copy of the check and the back of the check stating it was cashed. I am not sure what else I can do. I sent a check to pay off the card but they are telling me they have n't received it. I have proof stating I have and it 's been cashed. It is putting my account past due and going to show on my credit report.

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 11-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AK).
Issue: Customer service / Customer relations

Complaint: I tried to pay my bill and was informed that my CC was closed unknown to me due to " fraudulent activity '', what was really happening is that Capital One was saying the money from payments was on my CC when it was n't taken out of my bank yet and my bank would reject Capital One so it would then be taken back from the card thusly resulting in an overdraft. Either way they " closed '' my account on the XXXX of XXXX without informing me prior, I called and wanted to know what was going on and they could n't and or would n't tell me anything. I had deposited {$400.00} to start this card and paid off what was owed back down to a balance of {$400.00}. I was told by over 8 different Capital One representatives including supervisors that the remaining {$400.00} would be taken from the deposit and everything would be settled and I would not have to call again, it would {$0.00} out my account and reflect accordingly on my credit. The {$400.00} was supposed to be put on towards the balance 5 business day 's after they closed my account so that would of been the XXXX of XXXX. I spoke to a supervisor on Monday the XXXX who informed me of this thusly and stated " you will not have to call back it will be taken care of automatically '', I waited until Friday the XXXX to check and make sure it had been done, it had not. I called again and talked to another representative who told me " it will be done tomorrow and by Monday it will have a {$0.00} balance ''. I waited till Monday the XXXX with no movement yet again on my account. I called the following morning ( Tuesday the XXXX ) their time and was told yet again, be patient it will get done, all while nothing is happening.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am submitting this complaint in regards to an account reporting on my XXXX and transunion credit report. I have been disputing this account for months now. XXXX has deleted it from my report. There is an account ... .XXXX XXXX XXXX that has fraudulant charges on it from over 2 years ago. I have requested that XXXX and transunion please delete this account off my report as it is causing me hardship with my credit score. I was told they will not re-dispute this information unless I have a police report or further documentation to provide. I plan on going down to the police station to file this identity theft report this week. However after legal advise I sought I was informed that I can request to have this account blocked from my file for other creditors not to see in the meantime. I spoke with XXXX the other day and was told they now will re-dispute it and try and block it and or delete it but I must allow 30 days again. I want this account blocked from my credit reports because I am being penalized for something I did not do.

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 07/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (NY).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I have contacted wells Fargo four times on four separate dates to fix my credit reporting. I wasnpersonally discharged of the mortgage following my bankruptcy in XXXX all of a sudden, wells Fargo began reporting to my credit bureaus again this year, in XXXX and XXXX of XXXX. I am now being declined for a new mortgage because of their inability to properly handle their bankruptcy cases. the reporting needs to be removed immediately or I will file a suit, as I have already reached out to my lawyer.

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 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (OH).
Issue: Problem with fraud alerts or security freezes

Complaint: On XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX Chase Card in XXXX DE has run my credit without permission. I have called Chase Card in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and asked to have these inquiries removed since they were never approved by myself. I called Chase Card back in XX/XX/XXXX, put a hold on my social security number, yet they still continue to run my credit. This needs to stop, they need to remove ALL the inquires from my credit reports, none of these inquiries were initiated by myself. Please remove ALL inquiries from ALL credit reports run by Chase Card. Obviously putting a hold on my social security number has done nothing to stop Chase Card from running my credit every few months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-04-2017 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no knowledge of this debt and this debt do not belong to me.

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 04-09-2015 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been seeking help for assistance with my lender for over a year. I have reached XXXX road block and I dispute and appeal the Denial for mortgage assistance my file is currently assigned to Wells Fargo XXXX and would like CFPB to help review. Attached is detailed information to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: On XX/XX/XXXX I applied for a XXXX credit card through Chase financial. They advertised a promotion that allowed me to earn XXXX points if I spent XXXX in the first 3 months of having the card. I meet all the  qualifications of the deal but I was only awarded XXXX and  was given a {$250.00} credit on my bill. On XX/XX/XXXX I contacted Chase to try and rectify the situation but was told that since I did n't call within 90 days they would not honor the promotion anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: On XX/XX/XXXX, XXXX XXXX disbursed {$16000.00} of a private student loan with them so I could pay tuition/room/board at XXXX XXXX. 

After six years of being a student, unemployed and/or underemployed, I 'd missed enough of my {$300.00} a month payments they were in danger of default. 

Exactly what they are being sued for in PA is what they did to me. 

They called all day, every hour of the day, multiple times a day, even when I was working or in school, my mom too because she cosigned. They threatened and harassed us until I agreed to a forbearance. 

Rather than allow me to lower my payments to more realistically match my income, through an IBR, or ICR, XXXX XXXX pushed me to do a forbearance and explained it as my only option. 

XX/XX/XXXX my forbearance was approved. 

I eventually got a better paying job and was able to make payments, but {$13000.00} in payments on a {$16000.00} debt somehow left me with {$25000.00} in principal and interest still left to pay??? This is as of XX/XX/XXXX Private student loans should n't be allowed at 11 % interest rates and XXXX XXXX/Navient is being rightfully sued for denying struggling borrowers any option except for the one that guarantees XXXX XXXX the most money. 

Federal student loan borrowers should n't be the only ones protected. 

I paid off my federal student loans first because they were smaller. 

I did n't understand the difference when I was XXXX, nor did I even sign any of the paperwork at all, it was all " done for me '' by my equally clueless mother who I should not have trusted with my financial future. 

XXXX XXXX raised tuition 25 % every year I was in school, I could n't even afford to finish. 

I ca n't imagine how much worse other students have it now, who took the plunge and financed all 4 years of school. 

I even worked every summer, XXXX XXXX XXXX XXXX XXXX 80 hours a week, and the checks were still just a drop in the bucket. 

Living expenses and college are way too much, especially in California, and XXXX XXXX took advantage of students with their predatory lending practices. 

Students be warned, take your business else where. Do not sign anything with XXXX XXXX/Navient!!

Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2016 about Consumer Loan (Vehicle lease) with Westlake Services, LLC (UT).
Issue: Managing the loan or lease

Complaint: I have asked this company to remove me from there auto dialer and to not call me unless it is a human being calling me cause we recieve calls from them while they are closed.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: about 2 months ago, I filed a dispute with all XXXX credit reporting agencies concerning old reports that needed to be removed from my report. XXXX item concerned a bank loan which I was behind on, which was reported on XXXX/XXXX/XXXX. this is well over 7 years ago, and was paid in full in XXXX. Equifax and XXXX removed the item. XXXX DID NOT.. also all XXXX agencies were reporting XXXX delinquent child support accounts that were reported on XXXX/XXXX/XXXX. I filed a dispute with all XXXX agencies about the child support report being 14 years old and told them that according to the XXXX fair credit reporting act ), that they could only report this : XXXX quote ), for 7 years after the date of the last scheduled payment before the account became delinquent. ( unquote ). XXXX and XXXX removed these 14 year old reports. Equifax DID NOT REMOVE.

Company response to consumer: Closed with explanation