milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/17/2016 about Student loan (Non-federal student loan) with Allied Interstate LLC (CO).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: On XXXX/XXXX/16 I received a letter from the collection company stating that they would settle the student loan debt by setting up monthly payments of {$250.00} per month for 550 months or until the debt is paid in full. Part of the agreement was that after the 3rd on time payment they would reduce the interest rate on the balance of {$130000.00} from 8 % to .001 % for the remainder of the payment terms. I called the collection company on XXXX/XXXX/16 @ XXXX to accept the terms and set up automatic payments from my checking account. The first payment was to come out on XXXX/XXXX/16 which it did. Then I had another payment come out on XXXX/XXXX/16. However I did not have a payment come out for XXXX/XXXX/16. When I called on XXXX/XXXX/16 to inquire as to why no payment came out, they stated that the account had been recalled by the creditor ( XXXX ) on XXXX/XXXX/16 and then resent to the collector ( Allied Interstate ) on XXXX/XXXX/16. This process caused the original account number to be cancelled and a new account number to be issued. It also caused the automatic payments to be cancelled. I attempted to call the collection company on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, & XXXX/XXXX/16 to try to resolve this matter and have the collector reinstate the original payment agreement. On all of the above dates I asked for a member of management to assist with this issue. I talked to XXXX XXXX & XXXX XXXX whose titles are Vice President of Operations. Neither XXXX of these people were willing to reinstate the original terms of our agreement or contract. I made the first two payments totaling {$500.00} for nothing. The collection company also refused to correct the calculated interest per the agreement so that the rate would reduce to .001 % effective XXXX/XXXX/16. Since XXXX/XXXX/16, I have been incorrectly charged over {$3000.00} in interest. This is nothing more than a malicious and deceitful collection company and practice and I ask for assistance in holding this collector accountable for their illegal actions.

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 12/14/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Hi Transunion has XXXX collections on my report and several has been reaged. 
XXXX open.paid XXXX XXXX open and reaged XXXX open and reaged XXXX open and reaged

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/23/2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (AZ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: In XXXX of 2016, Midland Funding/Midland Credit Management added a collection to my credit report for {$2600.00}. This alleged debt did not originate with Midland Funding and they have failed to provide me with any documentation with my signature on it stating I owe this debt. It is a violation of The Fair Debt Collection Practices Act and I demand this action be removed from my credit report and all threats of litigation and any pending litigation be halted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Payday loan, title loan, or personal loan (Installment loan) with LENDMARK FINANCIAL SERVICES (CA).
Issue: Problem when making payments

Complaint: For the past four months they are not supplying the balance or payoff amount to keep the consumers as my self in the dark. They are collecting payments and not crediting the accounts. When asked for my loan balance no one knows. The company keeps saying they are upgrading their system so they can not supply me with my loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2016 about Credit card () with JPMORGAN CHASE & CO. (DC).
Issue: Late fee

Complaint: I have XXXX credit cards with Chase Bank. XXXX is a Chase Freedom, the other a Chase Sapphire. I have had auto-pay set up on both cards for the majority of time I have had the accounts, several years at this point. Recently my credit card was turned off, and when I logged into my accounts it showed that both were past due. Moreover, the automatic payments system I had set up had been turned off, triggering the late fees and the card shut down. I never received any notification from Chase that they had turned off my auto-payments. When I called them they told me they were n't sure, but that the auto payments may have been turned off because one of my payments bounced a few months ago ( I was merging bank accounts with my husband, which caused the gap ). However, I have since made payments using that same account multiple times since, it is a good account, and at the time they turned off my credit cards had more than enough in it to cover my minimum payments. I want to be sure that they do n't do this to other customers - I do n't think a bank should be able to turn off auto-payments and trigger undeserved late fees without notifying a customer. They returned the late fees when I complained, but I could have totally missed it if I had n't been going through my charges.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: My name is XXXX XXXX. This complaint is regarding FedLoan Servicing.
In early XXXX, I submitted documentation to switch some recently consolidated loans to the Pay As You Earn payment plan. It is now late XXXX and I am still not switched over to the new payment plan. I have been forced pay over {$1000.00} more on my loans than what I should be paying under the Pay As You Earn plan. I call every few weeks and they say that they will " have it handled soon '' and that 's the only feedback I can receive from them. I am participating in the PSLF program so I am unable to pay their suggested forbearance rates as they do not count towards my 120 payments. The policy says that it should take 7-10 business days to process a repayment plan change. It is nearly 100 days since I have record of FedLoan Servicing receiving the application to change to Pay As You Earn. I 've attached a picture of the certified mail receipt corroborating this. FedLoan Servicing did not even acknowledge receiving my repayment plan application until XX/XX/XXXX, or nearly 60 days after they actually received it.
While the standard policy is that I only have to make one standard repayment to switch, I 've been forced to make 3 to 4 standard repayments. I have contacted them repeatedly over the past 100 days and have never been able to get my application processed. This is incredibly frustrating, especially since this is not an easy process to begin with and I have done all of my due diligence to get these applications processed.
I will at some point have to consider legal action as FedLoan servicing refuses to process my application, costing me hundreds every month and preventing me from making progress against my PSLF program ( which is a major reason why I have chosen to work at a non-profit ).
I desperately need someones help to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (LA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I do not recognize this inquiry, and have submitted over and over for proof that I indeed consented to this inquiry. Not once, has anyone taken into consideration what I am saying and have verified indeed that this is wrongfully reported onto my consumer report. I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I am filing this complaint against Equifax due to failure to investigate fraudulent credit inquiries on my credit report. I sent a Multiple Inquiry Removal Letter on XXXX XXXX, XXXX by certified facsimile in order to dispute information, in regards to the several inquiries that I have listed below. I recently spoke with a rep from Equifax regarding this same issue and the rep placed a fraud alert onto my credit report and I was told to file a police report also regarding the fraudulent credit inquiries to have them removed. Even after the fraud alert several fraudulent credit inquires appeared on to my credit report which led to myself filing a police report in which I attached a copy to go with the Multiple Inquiry Letter showing the credit inquiries that I stated that were not factual. They received those forms on XXXX XXXX, XXXX. I received a computer generated response from Equifax dated XXXX XXXX XXXX in the mail on XXXX XXXX XXXX telling me that Inquiries are a factual record of access. If you believe these inquiries are unauthorized contact the creditor According to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a response in 7 days after the receipt of my certified facsimile, one can assume that there was no investigation into the matter. I plan to purchase a home in a few months and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am filing this complaint due to lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything and I do not have accounts associated with those inquiries. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 12-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: I contacted Capital One in early XX/XX/XXXX, either the XX/XX/XXXX or before and inquired about changing the due date from the XX/XX/XXXX to the XX/XX/XXXX. XXXX, who I talked to said I could do that. He failed to mention it would take more than one billing cycle. I thought it could mean the XX/XX/XXXX due date would be changed. It wasnt and consequently I was charged a XXXX dollar late fee and interest of XXXX on XX/XX/XXXX. 
I then contacted them again either XX/XX/XXXX or around then. A manager then informed of the time it would take. I asked him to waive the late fee if there would be one since there was confusion on when this would kick in. He said he couldnt waive a late fee that hasnt occured yet but would make a note of it. 
I contacted Capital one on XX/XX/XXXX and XXXX XXXX said no note was made and that they couldnt waive the interest or late fee. 
When XXXX told me that the billing date was changed I assumed it could be for XX/XX/XXXX, so I put off moving money around in order to make the payment by the XX/XX/XXXX, although I could have if I was aware that it took so long to change.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AK).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I learned of the Equifax security breach today, through the news, not through them. I was affected for months and they did not tell me. Something like this has the potential to ruin lives by ruining credit. 

I believe they should be fined and have to pay for any damages to people 's credit. 

There should also be legislation introduced so this does n't happen again.

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2016 about Debt collection (Credit card) with Weltman, Weinberg & Reis Co., L.P.A. (DC).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Comenity bank was attempting to collect a debt of mine that was from a credit card from XXXX 's. I got a letter in the mail saying Weltman , Weinberg & Reis Co. , LPA will be representing the current creditor ( Comenity ) for this debt. On XXXX XXXX 2016, I called Weltman , Weinberg & Reis Co. , LPA to discuss payment options and I set up an agreement that I would pay {$220.00} per month. Confirmation number : XXXX I called on XXXX XXXX, 2016 to pay my second payment and the woman on the telephone said that my balance is {$920.00}. This could not be possible because my original balance was {$1000.00}. If you take that number and subtract {$220.00} that equals {$800.00}. So, even though I paid them the monthly payment we agreed on, they only subtracted {$100.00} from my balance. I have attached documents to show my bank statement that shows my payment of {$220.00} on XXXX XXXX as well as all of the correspondence from the XXXX companies, most notably the past XXXX statements that indicate the original balance and the incorrect current balance. I had agreed to terms with this company to monthly payments and now they are threatening me because I have not paid that they are going to take additional steps against me. I refuse to pay this company any additional funds because I feel I am at risk of being taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (Medical debt) with TRANSWORLD SYSTEMS INC (NV).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Hello, received notice that Transworld Systems was attempted to collect a debt note they acquired for approx. {$75.00}. Contacted Transworld and advised them that according to XXXX XXXX in Nevada the balance was {$0.00} owed. Agree to pay the amount to resolve the issue and have the erroneous items removed from all consumer reporting agencies. Payment was made by phone by credit card and was promised a removal letter would be sent. <P/>On XX/XX/XXXX discovered item still be present on all three Consumer Credit agencies reports and contacted Transworld who confirmed the payment and a {$0.00} balance, as well as the file reflecting the the items would be removed as part of the terms. According to the female employee for Transworld their policy is now that they can not remove items form they are reporting in error ( which is not correct ) and that they could not remove the information as agreed in audio recordings and as noted in their file.

Company response to consumer: Closed with explanation
Consumer complaint received 01/15/2018 about Credit card or prepaid card (General-purpose prepaid card) with NETSPEND CORPORATION (MA).
Issue: Advertising
Sub-issue: Changes in terms from what was offered or advertised

Complaint: On XX/XX/17 I received an email saying something to the effect that I had " won '' a {$1000.00} gift card from XXXX. There were associated posts saying this was " for real ''. I started clicking to check it out. As I went along it seemed to start turning into an application for a credit card and, against my better judgement, I continued with the process. By the end, I had been congratulated for qualifying for a " Net Spend XXXX XXXX card ''. I was annoyed since I did NOT want this credit card. I decided to wait until I received the card to call the company. Well, I never even received the card! After 3 1/2 weeks I called XXXX Spend XXXX. The customer service person was not concerned about the fraudulent way I was lured into applying for the card or that I never received it. She seemed to want a quick resolution and simply offered to send me another card or close the account. I told her to close the account. I also said that I certainly hoped that opening and closing this account would not effect my credit score. She said it wouldn't but I'm not sure she knew what she was talking about.

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 09-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have no consent or knowledge of this account ( s ) Verbal abuse over the phone, threatening tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-09-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Closing/Cancelling account

Complaint: Capital one cancelled my credit card blaming me for not sending my payments on time.which is not true. I 've be sending more than the minimum on time. a few times I complained because they claimed that I did not send my payment when I did and they did n't properly credit my account which they admitted in XXXX 2015 and promptly fixed with an apology. 
On XXXX XXXX, 2015 the same problem developed again. I spoke to their customer service and Fraud specialist. 
This time they blamed me and my bank even though I sent my payments electronically with more than the minimum amount and on time XXXX. I believe it is nothing more than excuse for incompetence and discrimination on their part because I spoke up. This was after I applied for and received their XXXX card in the mail and tried to activate it on XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (WA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX 2015, my XXXX son opened an account at the Chase Bank XXXX. with a XXXX XXXX XXXX XXXX dollar check. he was told to come back in a few days to and the funds would be available, when he went back to the bank they told him they did not want him as a customer and they where sending back a check. before the check came he had to move due to an unsafe environment. they would reissue they check, and it would be another XXXX days and they where XXXX it never came. XXXX days later they said they needed to have papers filled out to reissue they check. in the mean time his XXXX ssi payment was put into the closed account, they said they would one time put the money in my account, they sent the moneys back to ssi any way now they have close to XXXX of his money its been a month and we cant get any real answers or his money. I have been into the bank at least XXXX times a week its a XXXX, mile round trip from my house. I call them almost daily, all I get is its corporate, and they are doing everything they can. if we had not moved him home he would be XXXX. XXXX i believe he would have XXXX. my e-mail is XXXXXXXXXXXX. my phone number is XXXX please help usThank You. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: After some research on my part, it became apparent to me that an identity theft was facilitated by a security breech at Transunion Credit Bureau. On XXXX/XXXX/16 someone other than myself contacted Transunion on-line and received a free credit report, that was e-mailed to that identity thief. With the information obtained, XXXX retail credit cards were subsequently opened or attempted to be opened at XXXX ( through XXXX XXXX XXXX XXXX XXXX ), at XXXX, and at XXXX XXXX. ( I was contacted by XXXX XXXX XXXX XXXX XXXX and XXXX by phone on XXXX/XXXX/16. ) When I tried to get a free credit report from Transunion, I was denied because I had supposedly already received a free credit report recently. After multiple phone calls, I discovered that someone posing as myself had received a free credit report on XXXX/XXXX/16. After some more phone calls, I was unable to find out how this breech had occurred, where the credit report was sent ( they refused to give me the e-mail ), or any information about what my rights were, other than giving me an address to file a complaint.

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 12/21/2015 about Debt collection (I do not know) with Northern Alliance Management, LLC (VA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have no idea who this company is collecting for as they have never identified themselves. The recorded message states that they have attempted to call me 5 times, which is not true. The message goes on to say legal action will be taken if I do not return their call. They never identify who they are by giving their company name. I have a right to know this before I give personal information out over the phone.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09-07-2016 about Bank account or service (Other bank product/service) with PNC Bank N.A. (GA).
Issue: Using a debit or ATM card

Complaint: On XXXX we went to an pnc bank to withdraw money to put on our prepaid card to reload we gave them XXXX from child support card but the bank atm a XXXX XXXX XXXX XXXX said transaction could not be completed and if took our money since then we spoke to a XXXX XXXX on the third and she said she cant help us that day but call back we then called her got on three way with netspend the company we use for the reload and they told XXXX that since the transfer did n't reach thenm and they have no record of it that they need to return the money to us and that they do not give perfisinal credits everday we have call ed and tried to get our money back they have not done so then they said can we sen a chashier check to your bank have them request the funs after they have already explained they could not we have called everyday to get our money nothing we do have the reference number is XXXX XXXX we want our money back and yes they do have it in their system it took out money

Company response to consumer: Closed with explanation