milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/18/2017 about Debt collection (Private student loan debt) with ENCORE CAPITAL GROUP INC. (IA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I cosigned for a private student loan through XXXX XXXX that was later transferred to navigate the primary borrower default it on the loan I was contacted at eight years later that the loan is in default and asked to make a form of payment. The debt collector was called consumer collection services they made agreement with me stating that if I paid {$300.00} I could have my name removed from the loan and I would no longer be liable I have documentation that I have fulfilled my portion of this I am now in a small claims suit against a different debt collector for the same dead and they are garnishing my wages for the full amount of the loan which is {$2900.00}. I have already contacted them and provided them with the information and copies of the letter showing that I have satisfied my end of the dead yet they still pursue legal action against me. No I have lost 25 % of my income which I can not afford and I do n't know what to do. If requested, I can provide additional copies of said agreement that removes me from this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (AL).
Issue: Account opening, closing, or management

Complaint: back in 2013, I asked a banker for a personal loan, but I do not have credits and I would like to get one. He called XXXX to get approved for a personal loan. I got approved for a {$3000.00} loan. Ever since, I could n't accessed the loan and I was told to wait for a year to get loan. Several bankers made a mistake and it costs my money and credits. How am I supposed to access the personal loan online? None of the bankers do n't do their job right. I ca n't get errors removed my credit reports.

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 12/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have send transunion several letters disputing the following inquiries 1.XXXX-XX/XX/XXXX 2.XXXX-XX/XX/XXXX 3.XXXX XXXX-XX/XX/XXXX 4.XXXX XXXX-XX/XX/XXXX 5.XXXX XXXX XXXX-XX/XX/XXXX 6. XXXX XXXX-XX/XX/XXXX 7. XXXX-XX/XX/XXXX 8. XXXX XXXX-XX/XX/XXXX Transunion is reporting these inquires on my credit report and refusing to remove them. They are reporting not yet proven compliant information. TransUnion has detailed on my credit report reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA metro 2 reporting regulations, namely that they do not have verifiable proof or permissible purpose and the chicanery led to subterfuge is UNLAWFULLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights instead of marking dispute on these errors after sending several dispute letters instead TransUnion ignored my letter. I informed them that I did not authorize anyone employed by the companies to make any inquiries and view my credit report. this is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. I requested that they remove the fraudulent inquiries from my credit report immediately that is maintain under my social security number.

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 06/29/2015 about Credit reporting () with Experian Information Solutions Inc. (NY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The credit agency is not entering my on time mortgage payments for the last 5 years. 
XXXX XXXX is claiming No Payments were made during this period from XX/XX/XXXX to XX/XX/XXXX. 
Are claiming I did nt make any payments at all. 
Have proof payments were made and I have the records of payments from their Accounting Dept. 
They still are claiming to the credit bureau that no payments were made and the credit reporting agency is reporting this incorrect information on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/23/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (MS).
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: I contacted Navy Federal several times advising them that they have a written off account that is not mine and is reflecting on my credit report I was never responsible for the account and requested many time for them to delete the written off account since I was an authorized user and not the account holder but as of today 's date they have refused to delete the written off account from all 3 credit bureaus this is not my account and I was never liable to pay for this credit card nor did I ever sign anything pertaining to this. If I was responsible for this account i would have never been an authorized user I would be a joint account holder. I have never received a bill pertaining to this account in my name and as of today 's date I was never contacted. I am still trying to understand how can I have a written off account when I was never contacted to get an account current. This is causing my credit score to be lowered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax Hack I am a victim of the widely reported Equifax hack in which personal identification information such as my name, SSN, DOB and home addresses were likely stolen from the company. 

Consequences I have already suffered as a result of this theft - Incurred personal costs to safeguard my credit including paying for credit freezes, credit reports and credit monitoring services - Lost of time and productivity as a result of researching implications of such hack and implementing what measures I can to protect myself - Lost of time and productivity educating friends and family on potential impact of such hack - Ongoing worry and concerns over potential impact of such hack as the information stolen is irreplaceable Other potential consequences as a result of such hack - Likelihood of identity being stolen is dramatically increased - As of right now, perpetual credit freeze greatly inconveniences me and will cause me to incur future costs as a result of freezing/unfreezing actions Actions the company has taken to rectify problem - As widely reported, the company 's initial response has been has been widely seen as completely inappropriate as insufficient - Website offers inaccurate and incompletely information to consumers on whether their information was stolen - Company, on social media, advertised an incorrect website as a result of a white hat phishing exercise - Company attempted to limit liability from potential lawsuits by making consumers sign away their right when signing up for credit monitoring services - Company offered insufficient protection for their credit monitoring services - Company initially charged consumers for credit freezes - Company 's customer response effort is so poor that their website is still unresponsive and efforts to reach customer service via phone takes multiple calls - Company failed to inform customers in a timely manner as widely reported

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I am filing complaint against Equifax and  XXXX  for reporting inaccurate information regarding Bankruptcy that they are reporting on my credit file. I sent them letter regarding my dispute and I received the results stating verified. They did not verify anything. The information they pulled is from a third-party reporting and that I was told from the    Court Clerk they  do not report along with attached copy of the letter from the court saying they do not report therefore it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (AR).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XX/XX/XXXX, I submitted a claim against Ally Bank because all payments were not being applied XXXX. Afterwards, I spoke with XXXX, and we all came to an agreeable solution. We agreed that I would continue making payments of {$25.00} per week towards the {$1500.00}, but making them to XXXX XXXX instead of the creditor that had applied them to the wrong account. I called XXXX XXXX about two weeks ago to check our balances against one another. On my end, I have the balance paid down to {$1000.00}. The man I spoke with at Ally said he has no record of our arrangement, and kept trying to get me to set up new arrangements for a higher balance. I tried continuously to tell him that was n't correct. I then sent in my next payment of {$25.00}, making me new balance of {$1000.00}. I also sent a letter explaining our situation, and asking why they make arrangements but do not notate them in their system. I received a letter from Ally dated XX/XX/XXXX. It said I have 15 days to agree to Plan 1 of {$1400.00} or Plan 2 5 payments of {$340.00} to equal {$1700.00}, neither of which was what we had previously agreed upon. I called in today, XX/XX/XXXX. The man I spoke with says they have no record of the agreement, that I 've only been paying towards the balance of {$1900.00}, that my {$25.00} per week is doing nothing towards my balance, that my payments are not going to XXXX, but to XXXX XXXX. I told him all my checks are made out to XXXX XXXX, he says its all the same. He said that my settlement did not sound like a settlement, but a payment arrangement, that they would never have agreed to it because they like things to be handled lump sum 30 days or less, and that there is nothing in their notes of our previous agreement.

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 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX 2017 that I was likely affected by. 

They have put myself and over a hundred million others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for trial periods of their own ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: I have tried to dispute the credit report several times! Even as of last month! There are two things that are on my credit report that is showing up and stopping us from getting credit! They were included in our Bankruptcy years ago! Please help they should be 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 explanation
Consumer complaint received 04-11-2016 about Consumer Loan (Vehicle loan) with BB&T CORPORATION (MD).
Issue: Managing the loan or lease

Complaint: Hi, I have an account with BB & T # XXXX I pay monthly car loan payment of {$470.00} and recently I paid Extra Payment ( Second bi-monthly payment ) to reduce the principal but it went towards interest. I understand bank always finds a way to get money from customer but I want to reduce the principal as well. 

I filed several case with CFPB and finally I had a chat with XXXX XXXX, BB & T Branch banker, He explained everything and it was very clear until my second extra payment went towards interest, He told me any payment amount over {$470.00} will go towards to reduce the principal but he lied. It went straight to interest. {$2.00} made on XXXX/XXXX/2016. I was going to make more amount but I was afraid they charge extra interest and they did even after they said extra payment will reduce Principal, not deducted as interest. 

Right, now I 'm really disappointed and I want them to put {$2.00} toward principal as they promised or I was {$2.00} back.

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 10-08-2015 about Debt collection (Credit card) with Resurgent Capital Services L.P. (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: The statute of limitations has expired on the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX XXXX XXXX has damaging my credit for reporting false information to my XXXX credit agency wich law my scores and stoping me feom geting loans the company has removed this negative information from other credit agencies as XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Credit reporting () with EQUIFAX, INC. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I can not get Equifax to remove my security freeze. I have tried online several times and mailed all documents to them via mail with not response. I have my pin and password but their online or processing center does not work. 

It took me under a minute to unfreeze my XXXX and XXXX XXXX credit. I XXXX Equifax security freeze lift and found many others having this same problem with them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: I had report that I had a complaint with TransUnion and they submitted back to you that the item was not my credit report however they have changed the number the item number is XXXX a state tax lien that the information is incorrect and the State XXXX Oklahoma and The XXXX XXXX Clerk said it could not be validated and should be removed from my report. I now question their reporting of the bankruptcy that shows up on my report as the XXXX Bankruptcy XXXX said there are multiple errors and they didnt not report he information to the agency. This too should be removed.

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 12/16/2016 about Consumer Loan (Vehicle lease) with MERCEDES BENZ FINANCIAL SERVICES (VA).
Issue: Managing the loan or lease

Complaint: I recently extended my Mercedes Benz Financial Lease from XX/XX/XXXX - XX/XX/XXXX. However, I am wondering why Mercedes Financial stopped reporting my installment loan to the XXXX credit reporting agencies. Because my XXXX is no longer being reported to the XXXX reporting agencies ; my credit score with all XXXX bureaus took a nose dive because there is no recent installment loan payment history. I have an active lease still with a lease maturity date of XX/XX/XXXX. Therefore, the payments should be reported to the XXXX credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (Home equity loan or line of credit) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: We modified our Home Equity Line with Chase in XXXX XXXX. They advised us on a number of occasions that we are in default. We feel Chase has been harassing us. On XXXX XXXX, XXXX, they sent us a letter saying that they are attempting to collect a debt. Worse, they over billed us on the monthly amortization beyond the fixed rate of 2 % for 5 years. Records show that we are current in our mortgage payments.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Customer service / Customer relations

Complaint: I had set up an automatic payment with Bank Of America XXXX credit card to be paid every month {$500.00} from my personal account. In XXXX 2016 I had a credit of {$480.00} and the ACH payment keep being send to the credit card every month by XXXX 2016 I had made {$2400.00} payments with out using the card. This means a credit I had a credit of {$2400.00} I called several time letting them know that i had stop the automatic payments authorization online and I was being deducted this from my bank any ways they said I had to call my personal bank directly. Finally in XXXX after many calls I had to ask my personal bank XXXX to do stop payments of this. I called XXXX and ask for the rebound of my payments made. 
Total credit I should had was {$3900.00}. In XXXX XXXX at XXXX pm I called and spoke to a costumer service rep called XXXX, she help me out and told me a credit was going to be send to my account in XXXX. I only received {$1500.00}. In XXXX XXXX at XXXX am I spoke to a costumer service rep named XXXX and she told me a check was send to my house which I never received XX/XX/2016 for {$2400.00} she confirmed check was not issue and it must have been lost in the mail. She help me to process the payment again to be return to me as the last one was return directly into my XXXX account, she said it will take 10 business days. I called again today XXXX XXXX, 2016 and I spend an hour over the phone and none one was able to tell me what happen with this reimbursement and no word on why it has not been process.

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 04-04-2017 about Consumer Loan (Vehicle lease) with SANTANDER CONSUMER USA HOLDINGS INC. (VA).
Issue: Managing the loan or lease

Complaint: Vehicle lease -- lessor overbilled by {$100.00}. After repeated calls to customer service they refuse to refund amounts due even though they agree that the overpayment has occurred. Overpayment occurred in XX/XX/2016. Nine months later they refuse to act. The lease term ended in XX/XX/2016.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01-05-2016 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (OK).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: XX/XX/XXXX called Midland Credit Management to set up payment arrangements of {$50.00} a month for 3 months starting XX/XX/XXXX. XX/XX/XXXX I made {$50.00} payment and today XXXX/XXXX/XXXX got a letter saying that agreement was voided. 

Called MCM and they could n't offer any explanation as to why it was voided. All they would say is that they received payment in XX/XX/XXXX. When I set up this arrangement it was because they told me that if I did not make arrangements to pay than this pre legal account would go to their legal department. 

It seems like they voided the agreement that both me and midland credit management agreed to in the hope that I would n't find the letter and be taken to court! 

I set up another arrangement but fear that this too will be voided like last time and i notice it too late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/20/2016 about Student loan (Non-federal student loan) with AES/PHEAA (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I had a private loan and then graduated XXXX. After I graduated I knew I had to start paying on the loan within six months. However, when they called I explained my situation ( no job, no income ) and they said it 'd be fine. I called now that I can catch up and they 've turned it over from AES to XXXX. 
I called and the only option I had was pay in full or arrange a settlement. I ca n't pay that much and fee very misled on my options. I feel trapped by this loan now and do n't know how to get out.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (MI).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found late payment on the dates below : 90 days past due as of  XXXX   XXXX  to  XXXX   XXXX  60 days past due as of  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX  to  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation