milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/15/2016 about Debt collection (Payday loan) with QC HOLDINGS INC (MO).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received a threatening phone with a voice mail message on Friday, XXXX XXXX 2016. I returned the phone call and spoke with a gentleman and told him not to call my number again. The became disrespectful, and stated that I should pay my bill and that he would not respect my wishes and would/has continued to call my number. The gentleman is calling from XXXX XXXX XXXX XXXX. The gentleman is not aware of my circumstances and should n't assume that everyone 's a dead beat. When I took this loan, I had nearly a {$10000.00} annual income. I 've since fallen on hard times and barely have a roof over my head.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: In XX/XX/XXXX my loan was transferred to XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX. 

My loan was with XXXX XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX never mentioned XXXX XXXX XXXX XXXX to me in XX/XX/XXXX when I inquired. I told them that I am a victim of identity theft/fraud. 

XXXX XXXX XXXX sent me a detailed explanation of the transfer. XXXX XXXX payment history from XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX XXXX XXXX is a division of XXXX XXXX XXXX. Their corporate office that is located in XXXX Texas. 

I was given a detailed explanation. Also I have a copy of my Deed of Trust from XXXX XXXX. It was added to the XXXX County register office XX/XX/XXXX. The number is XXXX. I paid that loan off, the amount of the loan was {$11000.00}. XXXX XXXX XXXX did not report this to XXXX XXXX XXXX XXXX when they transferred the loan. 

The original parcel property tax number is XXXX. This was recorded in XXXX County register office. Lot XXXX, plat book 64 page 33. I purchased the property from XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX on XX/XX/XXXX. 

The address is XXXX XXXX XXXX XXXX Tennessee XXXX. The parcel property tax have been changed. XXXX XXXX Paid taxes on the property and did n't report to IRS. 

XXXX XXXX XXXX XXXX XXXX paid property taxes on the property and did n't report to IRS. Yet my personal information was being used fraudulently for years. 

All of these things were being done while I was under wage earner. Government documents were being tampered with by person/persons unknown without my knowledge. 

Yet XXXX XXXX XXXX XXXX took my home with the help of Attorney XXXX XXXX in XXXX TN. XXXX XXXX XXXX did not notify me of my loan being transferred. 
I just learned of this XX/XX/XXXX. I was given a detailed explanation of transfers. 
All three were internal transfers. From XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX. The same loan number was used. Three different Federal Identification numbers was used to report to IRS. 

I never would have known if it was n't for Consumer Financial Protection Buearu. 

My mail was being stolen through United States Postal Service for years without my knowledge. If XXXX XXXX XXXX mailed this information to me. 
The Bank sent this information to me upon request in XX/XX/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 explanation
Consumer complaint received 06-03-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX Account : XXXX is a fraudulent account and has been disputed with both the creditor, The collection agency representing the account, and the XXXX major credit bureaus. I have provided proof of identity theft report filed by local law enforcement agency to all entities mentioned. The collection agency XXXX XXXX has since remove the collection account however, the creditor itemized account in association with this collection is still listed as a " charge off '' with equifax. I have disputed this item with the credit bureau Equifax and was advise that they were able to verify the information as accurate with the Grantor XXXX. I have contacted XXXX directly regarding this issue and was advised that the account does not exist in their database system and was referred back to the collection agency to handle this dispute. After speaking with XXXX XXXX today, I was told that they have do n't their due diligence and they only control reporting issues generated on their end. Needless to say, the item is still listed on my report by XXXX and I am disputing it once more.

Company response to consumer: Closed with explanation
Consumer complaint received 02/19/2016 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (LA).
Issue: Loan servicing, payments, escrow account

Complaint: I have for the last few years paid {$300.00} to my Escrow, now my Homeowners Ins. and Taxes come out, they are {$1900.00} for my Ins. 
and {$480.00} for my taxes. That totals {$2400.00} per year from my Escrow which has a total of {$3600.00} in it, now once that amount is paid, my balance is {$1100.00}. Now each year this money in my Escrow just disappears. No record of it, I want to know why did they increase my Escrow payment for more than what is needed and where has the extra money that remains in my Escrow gone? It should go to me or be paid toward my next year Escrow, this has been going on for years now. 
Please, the excess payment has put me in a stressful position for years, so where does the hundreds of extra dollars in my Escrow go too?

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: Loan recently transferred to Navient. I am currently experiencing financial and family hardship and attempting to place loans on deference. Told I did not qualify by Navient agent when I called. I filed a complaint with the XXXX and they have not responded. Website difficult to navigate and just leads me around and around in a circle telling me to sign in to my account again and again every time a click a link attempting to navigate to the loan deferment site. I asked Navient through the XXXX to provide paperwork since it is not possible to apply for a deferment online and I have not received that either. I have now been waiting since XX/XX/2017. However, I did receive an email from XXXX from their office of consumer advocate asking me to keep making payments while they check into my complaint which is completely unhelpful due to my current financial in, hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit card () with JPMORGAN CHASE & CO. (GA).
Issue: Payoff process

Complaint: For online automatic payments, Chase only offers the option to pay the minimum monthly payment or the full balance. There is no option available to automatically pay more towards the principle ( minimum + additional toward principle ). Chase, on a monthly basis, sends balance transfer / promotion checks to customers enticing them to borrow money against their available card balance. To me, this is a classic " repayment trap '' designed to get customers to transfer balances to their Chase card, then by not providing an option to pay more than the minimum monthly payment in order to expedite the repayment of the principle, Chase is able to collect more interest on higher credit balances. The customer must manually adjust the " automatic '' payment in order to pay additional principle on a month by month basis, which hardly seems convenient or automatic.

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have my loans through navient and they have not been helpful at all with working with me to pay my loans. I have had to put my loan in forbearance twice. They wanted me to make a payment of {$1300.00} a month. I am a teacher and barely make that every two weeks. They told me to take a forbearance for a year which I did. When I explained I could n't afford that they told me to me I could do income base payments the income base payments were still to hire. They said there was nothing they could do. So once again I 'm back in forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have been disputing a XXXX XXXX account displaying on all XXXX major credit bureau since XX/XX/2016. The XXXX XXXX account in question is XXXX. XXXX and XXXX conducted their investigation and deleted the negative information reflecting on my credit report. Unfortunately, Transunion is being very uncooperative and using delay tactics contrary to XXXX & XXXX to resolve this matter. I have been disputing the information on this account with Transunion since XXXX 2016. Documents can be provided upon request..

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 06-11-2017 about Vehicle loan or lease (Lease) with YKS Acceptance, Inc. (NY).
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint: I am having trouble with Herbies Auto Sales. We purchased a vehicle in 2014, to find out that it is not a purchase but a lease. They charged us for a 24month/XXXX warenty and the vehicle had XXXX miles on it. Their is a law suit against these people already for the time frame we received our vehicle. I need to know who to contact in this regards. They are also charging us almost double the amount that we were told.

Company response to consumer: Closed with explanation
Consumer complaint received 03/30/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I submitted a letter to Transunion explaining that I am a victim of identity theft. I included the FTC Identity Theft Report, police report, Proof of Identity, copy of my credit report and the Fair Credit Reporting Act Section 605B as well as the fraudulent accounts it has been well over 30 days and these items were not removed as I requested. XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXXe account number XXXX, XXXX XXXX  account XXXX   and XXXX XXXX XXXX XXXX account XXXX, XXXX account number XXXX, XXXX XXXX account 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 explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (AL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX stated I was in their database due to an account with XXXX. I have never had an account with XXXX and I have contacted them to inform them of such.

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 02/27/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I received my discharge for my bankruptcy on XXXX/XXXX/2016. None of what was included in my bankruptcy, which was everything on my credit reports, were removed from my report. I understand they stay on there and are just marked as discharged, but there are roughly XXXX things left on there that are not marked discharged, that in fact were discharged. The only active thing on my credit report should be a paid off car loan that was obtained after the bankruptcy and is now paid off. i was givin this information by XXXX bank when trying to obtain a new loan to start rebuilding my credit. I need this taken care of 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 09-04-2015 about Credit card () with U.S. BANCORP (TN).
Issue: Delinquent account

Complaint: ELAN Financial service reported me 30 days late. I have made payments with them. I also informed them that I had a house fire and ID theft. I would like this late reporting removed from my report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have federal loans through Navient and have tremendous problems with them! I actually had to contact a lawyer because navient has harassed and threatened my father who co signed for me and myself! Telling us we need to grow up and pay the full amount on the loans, which I then explained I could n't afford because I was unemployed because my degree was worthless! I graduated from XXXX XX/XX/2012 and was objectified by that school. They took out XXXX different loans in my name that I had no idea would happen! Navient has caused my fathers health to XXXX by the harassing phone calls and threats! He had a XXXX because of it! I want them to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with HYUNDAI CAPITAL AMERICA (CA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I had been going through a difficult financial situation and had 3 late payments on my XXXX XXXX. A representative from XXXX called and made me the offer to make a payment in full for the entire balance on that day and the late payments would not show up on my credit report. It 's been months later and it 's still showing up on my XXXX, XXXX and XXXX  reports. I 'm in the process of moving and these negative marks can negatively influence my chances.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: In XXXX 2017, my Citibank XXXX ending in XXXX was part of a data breach at XXXX XXXX. I cancelled my card XXXX XXXX, XXXX when suspicious charges began appearing. At the direction of Citibank, they said not to contact any merchant and that they would cancel my card and send out a replacement. They said cancelling the card will eliminate any charges set up as recurring from continuing on my new card. In the months of XXXX, XXXX and XXXX, one charge keeps showing up on my card ; XXXX XXXX XXXX XXXX XXXX XXXX for {$150.00}. Each month I have had to explain the problem and request the charge be cancelled. I do receive a credit but the charge appears the next month. Today I called and was told that Citibank did not follow their own process for recurring charges and that they will have to cancel my replacement card and issue a new one to eliminate the recurring charges. Im requesting that Consumer Financial Protection Bureau contact Citibank to ensure that the problem of a recurring fraudulent charge is resolved permanently.

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 01/13/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (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: Third party are reporting a bankruptcy on our credit reports. The bankruptcy is not disclosed by the bankruptcy court and are in violation to the fair credit act. I have asked for it to be removed from our credit reports but keep getting from the credit bureaus that it is a valid reporting without having verification other than stating theu received it from a third party. The bankruptcy court has informed me that they do not report information to the third party and that they do not disclose bankruptcies.

Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2017 about Debt collection (Medical) with JP RECOVERY SERVICES, INC. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: They called 7 times today, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. This occurs almost daily. We filed ch XXXX bankruptcy on XX/XX/XXXX and they have been told this information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 10/13/2016 about Credit reporting () with EQUIFAX, INC. (NC).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: My wife and I sent a letter to Equifax on XXXX XXXX, asking them to correct inaccurate accounts on our credit reports. As of today, over 60 days have passed and neither of us have received any investigation results from Equifax. We are attaching a copy of the letter we sent to Equifax in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: It shows on my credit that I have a {$75.00} balance still do to a collection angency. I called that agency and they have notified me this balance was paid in 2012!! Why is it still on my credit report and its affecting my score to get any types of loans. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2015 about Credit card () with CITIBANK, N.A. (ME).
Issue: Customer service / Customer relations

Complaint: We have had a Citi Master Card for many years and are Charter Members. However we have had our credit card used fraudulently on 3 separate occasions. Each time it appears that the data was obtained via hacking of data of business that had our info. What gripes me most is in trying to deal with the customer service people you are always connected with off shore calling centers with foreign speaking representatives. As XXXX it is very difficult to understand these dialects and nearly impossible tro communicate with them. I even wrote to Citi and complained about it and asked if they could not flag our names or numbers to connect with American speaking representatives. I was contacted by a XXXX manager who admitted they use off shore customer service for cost only and they were not going to make it easier for customers such as we. I would really like to determine a credit card company that still gives great fraud protection and English speaking customer service. Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12-09-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NV).
Issue: APR or interest rate

Complaint: I 've had XXXX accounts with capital one since roughly XXXX. I had XXXX of the same product for a long time. Yesterday, XXXX XXXX XXXX I was chatting with a representative where I was informed I qualified to be upgraded to a venture card where I get XXXX miles for every dollar spent. I thought this was great and decided to close my other XXXX accounts and transfer the credit lines to my new venture card. Well it turns out that that the venture card is a subprime card where I only get XXXX miles for every dollar spent and my interest rate is 24.99 % variable. They gave me an offer for 7 months to lower rate to 20 % variable. Prior to combining the accounts I had XXXX XXXX XXXX accounts and XXXX of them had a 14.99 % rate variable however, since it was the lowest rate out of the XXXX they charged me a {$79.00} dollar annual fee which they refused to waive. Now I closed that account and moved the credit line due to missinformation and I was clearly missled here. I have a XXXX card with a super high interest rate, poor rewards and I no longer have the card with the 14.99 % interest rate. If I would have known the venture card does not earn XXXX miles for every dollar I would not have closed the other accounts and moved the lines over. I feel missled as a consumer specially since they were charging me an annual on XXXX card and not charging it on the other XXXX cards even though they were the exact same product. If you do it in XXXX card you should do it to all the same products and in my case they were the exact same cards. They just did not want to waive the annual fee because my interest was 14.99 %. I am extremely upset.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with SUNTRUST BANKS, INC. (GA).
Issue: Money was not available when promised

Complaint: I am trying to use XXXX XXXX with the card that 's been on file yet for some reason its not connecting or verifying my card when its valid and the app is n't properly logging my hours to match my pay.

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 05/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: The bankruptcy on my credit file has been and is again suppressed by your vendor  XXXX   XXXX . I have attached proof now that I have a copy of the receipt to have this information suppressed. Please remove this information immediately from my credit file as I am facing a substantial risk of physical harm.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   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 explanation