milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/23/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: My credit score dropped by XXXX points with no explanation with TransU. I have paid my bills on time to all parties. Therefore, it is unfair to deduct from my credit score XXXX points without explanation of why this was done. This leaves me in the blind as to why these points were taken and how to get them put back on my credit report. My score should remain at XXXX or disclosure must be made so that I can seek a remedy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2016 about Payday loan () with Enova International, Inc. (MD).
Issue: Can't stop charges to bank account

Complaint: In XXXX XXXX I accepted an online loan offer from CashnetUSA for {$1400.00}. I 've repaid them more than 4 times the amount I borrowed. In the meantime I learned that ''payday '' loans were banned in Maryland as of XXXX XXXX. Can I stop collection?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (I do not know) with Integrated Recovery Services (AK).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: Let me start by stating that I DO NOT OWE THIS COMPANY A DIME. THEY ARE CONTACTING ME TO FIND MY XXXX year old Married Son. 
I was contacted by a man who identified himself as XXXX XXXX. He stated that my son was in a lot of trouble. He then went on to say that there was a Summary Judgement filed against my son. I interrupted him saying that my son was an adult and I do n't owe his company or the company he is representing any money. He got angry and said he did n't know that the company my son works for was in the business of " hiring snakes '' and if I was n't such a " bad mother '' then I would know where my son is and I was a " crazy person. '' I hung up and he called back. I handed my husband the phone. When asked to identify himself he ( XXXX ) stated, " This sounds like an episode of XXXX XXXX '' ( A blatant and obvious derogatory statement regarding our racial identity. ) My husband asked him what company he represents and he just began yelling out my social security number ( the phone was on speaker. ) We hung up at this point. 
Several minutes later our XXXX daughter called from school stating that she received a call from XXXX XXXX and he stated, '' Are you going to talk to me or are you a mean person like your mom. '' She was confused so she hung up and called us immediately. 
I got a message five minutes later from XXXX XXXX in which he stated that he intended to take me and my minor daughter to court regarding my son 's alleged debt. 
Let me reiterate that this man/company is attempting to reach my XXXX year old adult married son.

Company response to consumer: Closed with explanation
Consumer complaint received 03-12-2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Advertising and marketing

Complaint: Dear Citibank New Cardmember Services, I am on the " PRESCREEN & OPT-OUT NOTICE '' list ; I have in fact already opted out from all further communications from Citibank and other prescreened offers and miscellaneous junkmail by having called XXXX. 
However, I continue to receive these offers even after Opting Out. Please review your records, and permanently and completely remove all my personally identifiable information from all company and affiliated company records, including my name, DOB, address, phone numbers, emails, and any other data or metadata collected from me or my computer or my Internet Service provider. 
Warm regards,

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 02-04-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA-XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Capital One, Capital One Credit Card # XXXX I requested early assist customer service plan on XX/XX/XXXX and I got approved later dated on XX/XX/XXXX. 
( Letter attached your reference ). as per letter my APR 7.40 %, Monthly Minimum Payment {$92.00} and program terms apply account 2 billing cycles. 
Now already 3 billing cycles has been completed and APR 7.40 % not apply my account ( XX/XX/XXXX Statement attached your reference ) I called yesterday ( XX/XX/XXXX XXXX PCT ) Customer Service number XXXX and answered XXXX and I inquired about APR reduction my account and he said he can not see any letter issued on that day and I have to call Payment plan team on tomorrow. He not treat as a valued customer and I felt discrimination. 

I called today ( XX/XX/XXXX XXXX PCT ) Payment plan customer service number XXXX and Answered XXXX   and I inquired about why not apply reduction APR my account. 
He treated me so unprofessional and he didn't give positives feedback.He also says I don ' know what happens and he will follow up. 
I felt what happen Capital One.and it's seem like scam. 

Please investigate this issue and please adjust APR Reduction and Refund interest charge my account. 

Thank you XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-06-2015 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Purchased a computer through XXXX. This purchase was financed by applying for the XXXX store card. It was approved at {$2200.00}. Computer cost was only {$1600.00}. XXXX ( XXXX ) days later, MyFICO reported a 100 % account balance increase. Received the shipment from the XXXX seller approximatly XXXX days later. Have not received the necessary information to setup payment account ( online ) from issuing company ( XXXX XXXX ). Contacted XXXX XXXX ( issuer of credit terms ), and they could not help without having an account number. XXXX does not provide this information ( good security, but, negatively impacts credit terms ). When contacting XXXX XXXX, automated voice line stated that there was a balance of {$1500.00}, with {$600.00} of credit to use. This is not reflective of what was reported to Equifax ( per FICO 's complaint process to Equifax ). This is a violation of the FCRA. XXXX XXXX has not been fair or equitable in reporting. They state that I have an additional {$600.00} in credit terms, but have reported that I have maxed-out a new credit card to financial bureaus. I have contacted XXXX via phone and chat, and they ca n't provide an answer as to when I can start paying off what is perceived to be maxed-out terms. At this point, I 'm going in circles. It 's a joke, and, it 's a scam and flat-out fraud between XXXX companies with investors.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2016 about Student loan (Non-federal student loan) with JPMORGAN CHASE & CO. (MN).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I was unable to make payments on my {$16000.00} private loan through Chase for several months. They are refusing to allow me an affordable payment plan. I am now in a financial position to make meager payments but because my loan is in default, they are demanding full payment or " deal with the consequences ''. They will not inform me of such consequences, refuse to set up a payment plan, and are threatening to go after my consigner. I am petrified of the repercussions I could face as a result of a private loan default.

Company response to consumer: Closed with explanation
Consumer complaint received 04-01-2016 about Money transfers (Domestic (US) money transfer) with JPMORGAN CHASE & CO. (CA).
Issue: Other transaction issues

Complaint: As a favor to a friend, I setup a Chase Quick Pay account linked to my credit union checking account. This person 's relatives would send money through Chase Quick Pay where I would get an email to login and to accept this money. I would do so and after 1-2 days, the money would show up in my checking account. I would then proceed to withdraw that money for the person it was intended for. The last transfer for {$170.00} was deposited to my checking account on XX/XX/2016. I noticed today however, that the money was reversed by Chase and taking from my account on XX/XX/2016. I would assume that once the money was transferred and deposited, that the other party could not cancel the payment. Further, I would assume that once Chase makes the transfer, the money being transferred has been verified and is available. I do not understand how Chase can come back a week later and remove that money from my checking account without me agreeing to it. Also, if that money was not available, why is Chase even making the transfer to begin with. I feel I was scammed both by the person making the transfer and Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 05-08-2016 about Debt collection (Medical) with ESCALLATE, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This is not a valid bill. The hospital was given my insurance information and they have never contacted the insurance holder of any balances due.

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 04/15/2015 about Mortgage (FHA mortgage) with OCWEN LOAN SERVICING LLC (AL).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen XXXX is still trying to force me into foreclosure. After I sent them a payment of {$50000.00} dollars via wire transfer. From XXXX XXXX XXXX XXXX XXXX XXXX Al. They have continued to call and harass me at work saying I owe them {$59000.00} AND CHANGE. 
I am more than willing to pay the balance. But I will not put up with harassing phone calls. 
thank You for your time and consideration

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Trans Union Credit Reporting Bureau had a glitch in their credit reporting system that violated the rights of consumers under section 6.11. By Trans Union deleting and reinserting information, I have been gravely affected and my credit score has suffered significantly. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed 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 09/28/2017 about Student loan (Federal student loan servicing) with MOHELA (NC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: Hello, In XXXX 2017, I received an email from a group called XXXX XXXX saying they were a third party servicer that worked with MOHELA to pay off my loan. About a month later, I received a call from MOHELA again asking why I had n't made a payment, I told them I had been and was confused why they had n't received my {$100.00} a month I had been paying and we discussed lowering my bill to {$50.00} a month, but it never applied and XXXX XXXX continued to take the {$100.00} a month out. A few days ago, I get an email from XXXX XXXX saying I 'm past due. So I immediately called MOHELA and told them what was happening and they informed me that this third party is scamming me and taking my money. I 've paid them {$700.00}, and they are withdrawing another {$100.00} on XXXX XXXX, yet I 'm past due on my actual student loan because they are just keeping my money. Is there any way to get my money back? Or can I apply it to my actual loan? Luckily, it has n't started hurting my credit but it 's very close. 
Thank you for your time, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On  XXXX    XXXX ,2017    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX , Oh  XXXX   XXXX  Had an inquiry on my credit report that I did not authorize or approve of.

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 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
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: Early last month I sent Experian a certified letter informing them of the inaccuracy on my report, namely inquiries, to date Experian has done nothing to correct this non sense that shows on my report. 
They could n't be doing an honest investigation because if they were they would see that I have not given anyone listed on those hard inquiries permission to check into my credit report for any reason. Further, they have no proof, no contact info, no contract, no signature proving anything, yet they continue in their inaccurate reporting. 
If they do not remove these inaccuracies from my report I will have to ask you ( CFPB ) to fine them for their non compliance of the FCRA, I will further file a complaint with the FTC, the attorney general 's office as well as the BBB.

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 12/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (RI).
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: On XXXX/XXXX/XXXX I met with XXXX XXXX XXXX ID XXXX. She ran my credit via a hard inquiry without my authorization/permission. My credit report has been negatively affected due to this. Please contact the bank and have them remove/reverse the credit inquiry. I have filed a complaint with the bank CASE # XXXX. 

I am completely displeased with the bank and the employees negligence to my personal data and social security # Never do business with citizens bank ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2015 about Debt collection (Credit card) with Western Portfolio Assets (RI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My mother received a call from Western Portfolio Asset which she forward to me. When I spoke to them, they demanded payment from me for a debt that I owed on a credit card many years ago. They told me I would be sued and that a law enforcement personnel would be sent to my home to issue a judgement against me. I was scared so I gave them my info and signed a document including my debt info to make the first payment. It was not until later did I realize I was scammed. The person I spoke to would not allow me to settle my debt or offer other payment methods. I was not able to speak to anyone else regarding my debt except this XXXX individual and after multiple requests did he send me a receipt for the first payment I made and the paperwork with info from the law office that supposedly bought the debt. My credit history did not match up with the debt they were seeking. I looked up more info about the company found out about their illegal debt collecting practices and scams against consumers.

Company response to consumer: Closed
Consumer complaint received 11/28/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NJ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: In early XX/XX/XXXX, I initiated a balance transfer of {$10000.00} on a Chase Slate credit card. The online form I filled out indicated that the fees generated from this transfer would be {$0.00} because I was initiating the transfer within a promotional window that allowed by free balance transfers. 

However, after the transfer went through on XX/XX/XXXX, I was charged a fee of {$520.00}. Chase indicated that even though I submitted the transfer before my promotional window closed, the transfer did not go through until AFTER the deadline, and so I was charged the fee. 

I argued with Chase about this since I had no power over how long the transfer would take and I feel like they lengthened the transfer time specifically so they could charge me a fee. 

I sent numerous messages and made phone calls to the company to recoup my fees but was rebuffed.

Company response to consumer: Closed with explanation
Consumer complaint received 10/31/2017 about Student loan (Private student loan) with AES/PHEAA (OH).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I co-signed my daughters loan for $ XXXX I have paid $ XXXX on the principal and another $ XXXX in interest. I called for a payoff amount and I was told I have a principal balance of $ XXXX. If I have paid $ XXXX in Principal then my payoff should be interest accumulated to date and the basic principal balance. why would I owe and addtional $ XXXX on a $ XXXX loan that I have already paid between principal and interest {$13.00}. I should owe the difference between $ XXXX and $ XXXX plus interest which would be around $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/14/2017 about Debt collection (Credit card) with Riverwalk Financial Corporation (MO).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company put an old debt beyond the statute of limitations back on my credit report after it had fallen off over a year ago via the original debtor and another collection agency trying to collect on it. They NEVER sent any communication nor called me and allowed me to dispute it. They also lied about the dates and put XXXX XXXX. This debt was from XXXX. I saw it on my credit report via XXXX. They illegally parked an old debt and did it silently. I called and advised them to take it off immediately and advised them it was illegal and I would report them. The lady said she would NOT help me because I raised my voice and told her to take it off, that it was illegal, and an illegal practice. She advised me, she did n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 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: Information belongs to someone else

Complaint: I submitted my ID theft form in regards to unauthorized fraudulent inquiries that are listed on my credit report. XXXX XXXX multiple times, XXXX XXXX, XXXX, XXXX, XXXX/XXXX and XXXX/XXXX, also fraudulent accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX, these accounts have been removed from my report by XXXX, but XXXX and XXXX has refused to block the fraudulent reporting accounts. They refused to investigate these account and delete them from my credit profile. This is hurting my credit!

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 02-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: The inquiry listed below has also been in dispute for unauthorization of pulling my credit reports. I have been disputing it for over three months. I have disputed with the credit bureaus along with the company that inquired. During this period, I have yet to get a response in the mail from the company who made the dispute. I have sent certified letters with return receipts proving they accepted the mail. Again, they have yet to respond with written or oral proof of my authorization. I have enclosed copies of documents of mail receipts and letters I have sent to this credit bureaus. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX, XXXX, Inquiry Date XX/XX/17 The listed unverified inquiry hasnt been proven valid. This business can not provide an original signed agreement or oral recording of my consent giving authorization for them to pull my credit report. Please delete the inquiry from my credit reports immediately. I am tired of fighting this dispute on my Experian credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/29/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (DC).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: When I signed up for the secure Capital One card it was advertised to report to all 3 credit bureaus. I have had the service close to 8 months and they only report to XXXX. I called about 3 months after I joined and the representative said sometimes it takes a while but by 6 months I should see it reporting but that still isnt happening. I love the service I am getting with Capital One, I just wish they reported to all 3 credit bureau 's like they advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 10-10-2015 about Bank account or service (Cashing a check without an account) with JPMORGAN CHASE & CO. (NJ).
Issue: Making/receiving payments, sending money

Complaint: On Saturday, XXXX XXXX, 2015 I went to Chase Bank to cash check that wriitten and from Chase I show proper ID and they request me and other to pay {$8.00} to cash their own check. When I ask the tell and the bank respresentative they said do have this in written they tell customer this without legal statement to explain the fee nor is it posted in the bank Please investigate Chase Banks product and services and ensure the bank is working according to United States Federal Bankng Regulations

Company response to consumer: Closed with explanation