milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with (Former)Shapiro, Swertfeger & Hasty, LLP (AL).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Incorrect information is popping up on my criminal part of my background check

Company response to consumer: Untimely response
Consumer complaint received 04/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (AZ).
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint: When I started going to college to become a  XXXX ,    debt counseling w as not something anyone talked to me about. I began taking out student loans to become a  XXXX , not realizing my profession did not match what my student loans payments would be. At the time, I was a single mother. My student loans were accrued before I got married.   I  XXXX , taking out more student loans to get a  XXXX   XXXX   XXXX . Again, with no credit counseling. When I   XXXX    XXXX , I had about {$60000.00} in student loans. My payment was around {$420.00} per month. My starting salary as a  XXXX  was {$27000.00}. I did my best to make payments, but then had some health issues. I called and was told to apply for a forbearance.   Over the course of 10 years, I was encouraged to take out several forbearance requests, putting my loan currently at {$77000.00}. In the summer of   XXXX  , I called  Navient requesting a  reasonable payment and was denied. They told me to apply for the   XXXX   forgiveness program and consolidate my loans. I was also told to apply for consolidation. I tried all of those options, and because I 'm married, my IBR option was {$800.00} per month. That is almost a whole paycheck for my family!   I would like to start paying on my student loans with a reasonable payment. I indicated thi s to Navient l ast summer. The payment they are requesting is unreasonable. I have thought about making payments less than what they are asking, but read it will ruin my credit and force me into default. So, my only option so far has been to continue to put my loan into forbearance. Being married has actually hurt my payment options. So, do I need to get a divorce and be a single parent to get a reasonable payment?

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (Payday loan) with Cottonwood Financial Ltd. (IL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XXXX contacted my parents on XXXX/XXXX/2017 demanding that I pay my debt immediately. My parents contacted me and I contacted the agency. They demanded that I pay the debt owed by today XXXX/XXXX/2017 or they would be forwarding my case on to the county. The amount owed is {$280.00} and they are stating they can sue me for up to {$3000.00} including court cost and attorney fees. When I asked why I had n't been receiving any mail on this matter they stated they had been sending it. When i requested to what address they stated an old address for me and told me it was my fault that they did not have a current address. They are also accusing me of purposefully defrauding a financial institution. I have paid {$600.00} on this debt to date. They also claim that they are a mediation service, never stating directly that they are trying to collect a debt. They also claim to have recordings of all of our conversations but do not have a phone call monitoring disclosure.

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 02/27/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (TN).
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: Capital One. 
I have been a regular Capital One customer for 12 years. 

I paid my credit card balance in full on XX/XX/XXXX. Even though there was a XXXX balance, Cap One withdrew my regular monthly payment on XX/XX/XXXX. 
On XX/XX/XXXX, I called their office and spoke to a representative who said they could mail a refund check to me 10 business days out. I countered with them to deposit it directly into my checking account for an expedited refund. The representative verified my checking account information and advised it would be processed in 2 business days. 10 days later here we are with no refund. I called today ( XX/XX/XXXX ) and spoke with a supervisor, XXXX. 
XXXX informed me that 1 ) they do not issue refunds via direct deposit and 2 ) there were no notes on my account of my previous discussion on the XXXX. I replayed the conversation for XXXX and requested that if she was unable to deposit the refund directly, as I was told they could, then I would expect a check to be overnighted to me. She advised she was unable to do so. 
When I asked to speak with her manager, she refused. She told me her manager, XXXX, deals with only HR policies and doesnt talk to customers on the phone. 
When I asked to be transferred to a department who has authority to process check requests, she refused. She told me they had no extensions and no ability to transfer. 
When I asked for the direct number to the office where I can speak with someone about this matter, she refused to provide me with one. She said you can find that number on social media. 

I advised XXXX that I, too, work in the finance industry and I know what options are available to bring resolution to an upset customer. XXXX and Capital One were unable to provide me with a resolution. I was told I would receive my refund check on XX/XX/XXXX. 

The Fair Credit Billing Act ( FBCA ) applies to open end credit accounts like credit cards. According to this law, creditors that offer open end credit must promptly credit or refund overpayments and other amounts owed to your account when your account is owed more than one dollar. If you prefer a refund, it must be sent within seven business days after the creditor receives your request. 

Requested on XX/XX/XXXX. Refund expected onXX/XX/XXXX. Well beyond 7 business days ...

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Alliant Capital Management LLC (KY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: After I tried to ask if I could make a payment on the XXXX. Which would n't be a small payment. I got told if I did n't make a payment today I was going to be sued. The lady was very rude. Was not helpful at all. I have no problem with paying the debt I owe. I just could not make a payment until XXXX XXXX. And I know it 's illegal for her to tell me that if a payment was n't made today I was going to be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA).
Issue: Other transaction problem

Complaint: I sent my son {$40.00} through Money gram at this time my son is located in XXXX XXXX CA and I am in XXXX XXXX. My son 's ID was stolen so we provided with another person 's name that was provided. This person was not able to retrieve the money after trying 3 times through money gram. I called to speak with money gram to solve this situation and they are refusing to cancel the transaction due to needing the receiver 's ID which we can not retrieve. I am the sender and have proof of sending and they will not provide a refund to me although it is my money. Due to the receipt it explains the process of refund and by section 2102 of The California 's Financial code it states if I am not provided with refund, I am entitled to my money back plus a penalty of up to XXXX and attorney fees pursuant to this section. I rather not pursue to that extent, I just would like my refund of XXXX since the receiver is not able to access the funds through money gram.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have contacted the credit reporting companies in the past to have them remove the multiple listings of several accounts, yet they continue to report them. I wish to have these items removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Debt collection (Other debt) with ProCollect, Inc (MI).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I owe a debt from an apartment community after moving from XXXX  to XXXX  and having to cut my lease early. I left XXXX   in XX/XX/2016 and immediately began getting numerous phones calls from this collection agency called ProCollect. I have called asking for a notification of my debt so I can have an account number and pay by making payments, however, this company employees people who are extremely rude, use offensive language, have threatened me if I don't pay the full amount upfront, and don't give me any information yet expect me to give them my credit card and social security number over the phone. I suspect this company practices as a scam or at least dishonestly with their customers. I don't feel safe giving over my financial information to a company who doesn't honor their customers rights. I don't appreciate being yelled at as well as hung up on anytime I try to work something out with these people.

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 03/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I called them and they agreed to remove from my account in stead the are reporting the following which is wrong Account Details Last Reported XXXX XXXX, XXXX Creditor Name XXXX Account Type Student Account Status Closed - Derogatory Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX Limit -- Term 180 Months Monthly Payment {$18000.00} Responsibility Co-maker/Signer Balance {$18000.00} Highest Balance {$15000.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XXXX XXXX, XXXX Amount Past Due {$18000.00} Times 30/60/90 Days Late XXXX Remarks Charged off as bad debt Profit and loss write-off

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 07/21/2016 about Debt collection (I do not know) with Pinnacle Credit Services, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: I ordered my credit report and this account appeared on my credit report. this account does not belong to me Please remove I have contacted the creditors directly.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: From XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX 1. The credit Bureau will not correct my address I have sent over XXXX letters to have my address corrected and still it has not been done. All I GET IS VERIFIED AND THEY OPEN A FRAUD ALERT JUST TO CHANGE AN ADDRESS. THIS IS NOT THE PROCESS. 
2. I have sent over XXXX letters to all the inquire COMPANIES on my credit report to have them REMOVED and get no reply from the creditors. All I get from the credit bureaus is VERIFIED AND THEY OPEN A FRAUAD ALERT. I have informed the credit bureaus.. I get no reply and they ignore me and open a fraud alert. 
3. By court order the bankruptcy and all accounts in the bankruptcy are to be removed from my report IN the state of VA because the credit companies did not do a good job at investigating the inaccurate info on the bankruptcy and READ them. They opened a fraud alert. 
4. The answers for anything is open a fraud alert not do the work of removing inaccurate info. 
5. This is what needs to be done 6. a. remove all fraud alters 7. b. remove ALL inquires I have not applied for credit DO N'T SAY VERIFIED!!!!!! 
8. c. remove bankruptcy per the order and all accounts in bankruptcy from my credit report 9. Change my address!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 06/26/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Credit decision / Underwriting

Complaint: I am selling my house in XXXX XXXX and entered escrow with XXXX and XXXX XXXX. They were working with Wells Fargo to attain their Loan for purchasing my home. They were given and pre-approval letter and then later received a voicemail from their loan officer at wells fargo telling them explicitly that the loan had been approved and the appraisal had been ordered. The appraisal was then completed and both parties then signed a document with a closing date of XXXX XXXX. I then began the process of moving and rented a truck and trailer to take my first load out of state to my new home. While I was in the process of driving this load I got news that Wells Fargo had decided to now put the loan back in underwriting and were not approving it as previously mentioned. Ultimately Wells Fargo decided to change their mind and deny the loan then causing the buyers to cancel escrow. I now have been put out a lot of money and time and not to mention half of my stuff is now stored in another state that I can not go to yet since I have to now go back to the drawing board and try to find a new buyer. 

How is it ok for Wells Fargo to call and leave a voicemail giving verbal approval for a loan, order the appraisal and have both parties move forward with signing closing date documents? I have this voicemail and will attach it to this complaint if possible.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04-06-2016 about Debt collection (Credit card) with CITIBANK, N.A. (GA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: calls me four of five times daily threatened to turn my case over to XXXX County if I do n't call them back by the end of the day. A XXXX XXXX called my children with the same threats to get them to pay to keep me from going to trial. A XXXX XXXX called me three times with 1 minutes I guess to see how many calls she can make repeatedly. They claim they are calling from Pre-Trial. Then there is another caller that do not give a name that calls three or four times with a recording that advise if you are not the person press 1, that did not stoop the calls then I pressed 0 to get the operator but no one came on the line. nothing that I press stops these calls. Nothing stops these calls from these people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/18/2015 about Debt collection (Medical) with TRANSWORLD SYSTEMS INC (NJ).
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint: Called me at work -Womans tone on the phone was extremely loud. Everytime I asked for proof of the validity of the debt she kept on saying I owe the debt and we sent you stuff, I never got it told her that and then asked me where I worked. Rude ladyCalled me from a cell number - XXXX Kept on asking why ca n't I pay today. Said I was n't til I see copy of bill she refused to send me a copy. 

They call me XXXX sometimes XXXX times a day and never leave messages

Company response to consumer: Closed with explanation
Consumer complaint received 05/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I mailed a Multip le Inquiry Removal Letter  on  XXXX   XXXX ,  2017  by certified mail in order to dispute information in regards to  XXXX  inquiries that was being reported on my credit report. They received the letter on  XXXX   XXXX  , 2017    and they completed the request on  XXXX   XXXX  , 2017. The r equest that I submitted included inquiries that were not factual and I received the same response for ALL inquiries which were " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FC RA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it st ates 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 letter, one can assume that there was no investigation into this matter. I am in the process of purchasing a home and having this many inquires on my credit report display a sign of financial trouble when this is absolutely not the case. I am submitting this complaint due to the lack of investigation into my original dispute for inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AZ).
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: To Whom  It May C oncern, I have an account with  XXXX   XXXX    XXXX    ( Federal ) I  recently had an informative phone conversation with a representative of  XXXX  and was explained why I had late payments reported on my credit report. I was under the impression that a notice of payment due was being sent to my mailing address and that I would contacted via email as well. However, this notice did not arrive until   XXXX    2015, ove r 60 days after I had a payment due. As a result, the late payment was reported to m y credit score.      On top of that, my email and phone number were not updated with  XXXX  Thus, I was not receiving any communication. ( I have since updated both my phone number and email address ).

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 03/21/2017 about Credit reporting () with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Experian reporting of XXXX XXXX reflects a foreflosure. this was a short sale of the property done on XX/XX/2013. this is not reported accurately

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 09/16/2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX : XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX : XXXX XXXX. TX XXXXEquifaxXXXX. XXXX XXXX, GA XXXX. XXXX. XXXX XXXX, PA XXXX XXXX, XXXX : XXXX XXXX REQUEST FOR PROOF OF CLAIMAccount # XXXX *You are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Texas Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2018 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: I am enrolled in the Public Service Loan Forgiveness program, and my loans are serviced by XXXX XXXX. 

I have a XX/XX/XXXX letter indicating that for the months between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX says I made 5 qualifying payments for some loan sequences, and 9 for the rest. However, I have a XX/XX/XXXX letter from XXXX XXXX stating previously that I had made 10 payments over that time period for each loan sequence. 

In addition, between XX/XX/XXXX and XX/XX/XXXX, in the XX/XX/XXXX letter,  XXXX XXXX says that I made 5 qualifying payments for all loan sequences over that time period. In fact, I made 12 qualifying payments.

Company response to consumer: Closed with non-monetary relief