milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-12-2016 about Consumer Loan (Vehicle loan) with NAVY FEDERAL CREDIT UNION (OR).
Issue: Problems when you are unable to pay

Complaint: i had bought a vehicle from a dealership that sold it to me illegally by selling it to me without having a title in hand. come to find out they never paid off the remaining amount that was owed when the previous owner sold it to them to his bank ( XXXX XXXX ). so there was XXXX people paying on the same vehicle when it comes down to it all because the dealership never paid the remaining amount that was owed to previous owners bank to get the title in hand. and since previous owner did n't possess the vehicle anymore he refused to keep paying for the vehicle anymore, so his bank ( XXXX XXXX ) came and found my vehicle that i had now possession over and repossessed it from me because of failed payments. now i 'm making payments own this car loan when i no longer possess this vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2017 about Mortgage (Conventional fixed mortgage) with Absolute Mortgage Company, Inc. (WA).
Issue: Application, originator, mortgage broker

Complaint: We worked with Absolute Loans for several months. They notified us of our approval for a loan refinance. No problem-slam dunk. We went ahead and paid out of pocket for an appraisal as well as paid to lock in our rate. For the next few months, we jumped through hoop after hoop to furnish them with more information and more information. Now, after paying almost {$2000.00} ( appraisal and lock in ), we are told to jump through yet another hoop we can not. We would have never proceeded with this company and paid the money, if we were ever told we would have any issue whatsoever. We were mislead.

Company response to consumer: Untimely response
Consumer complaint received 11/30/2015 about Bank account or service (Other bank product/service) with Comerica (OR).
Issue: Using a debit or ATM card

Complaint: I have a Direct Express XXXX XXXX Comerica Bank XXXX, my Social Security XXXX money is loaded onto this card monthly. I had fraud on my card starting on XXXX XXXX of this month and someone was able to take all of money out of my account. I reported the fraud to Direct Express as soon as I realized I had no money left in my account, my card was still in my possession, so they canceled my card and sent a new XXXX. They are telling me it could take up to 90 days for them to give me my money back. It was over XXXX XXXX dollars that was taken all of my money, I 'm XXXX and depend on this money to pay the XXXX live in Oregon and was on a mini vacation in XXXX Oregon with my XXXX year old Grandson, I was using this same card to pay for my vacation, at the time the fraud was taking place in New York XXXX, the people that used my card went to a XXXX several times and withdrew money from my account, XXXX should be able to see these people on their Surveylance cameras right? I have filled out the Fraud Questionnaire and will fax it to the Direct Express Fraud Department today, I will also mail a copy to them. I read on your website that they should put the money back into my account in at least XXXX business days after I report the fraud, they are telling me again it can take up to 90 days, are Direct Express cards treated differently? I have talked to XXXX different people in the level XXXX fraud department at Direct Express and both have told me they have 90 days to return my my money. I sure hope you can help me, XXXX is around the corner, I was planning on using some of my money for XXXX. Thank You! 

XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/20/2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with TD BANK US HOLDING COMPANY (FL).
Issue: Unauthorized transactions or other transaction problem

Complaint: For weeks now I have been attempting to link my online banking with a trading platform and unfortunately I have notr been able to. I have done it twice and since then the bank unlinked my account and refused to allow me to link them again. I get an error message everyrime I make such attempt. One error message read that the bank is blocking me from linking my accounts. I called the bank, not to mention the ongoing struggle of getting ahold of customer service. Almost everytime I reach them, it takes at least 30 minutes ro finally speak to a representative who told me that its not them while it is. A previous issue that Ive had was with changing my pin because it, when I called it took half an hour to speak to a rep who told me I have to go in a branch to change my pin, lying about a policy change that this service is no longer available over the phone. When I checked online it clearly indicates that I can always call to change my pin. Not ro mention when I asked for an escalation to a supervisor they made me wait an hour until they hung up. NO EXAGGERATION!! Mind you I have activated voice recognition meaning there is no concer of fraud. Terrible service.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2015 about Student loan (Non-federal student loan) with Genesis Lending (WA).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My loan was through an agency that close and right now is going through a bankruptcy. The school I when to broke state law and I am in the process of have any loans with the DOE placed in a forbearance. I need to have my private loans with genesis removed from my credit report because I no longer have an account in default with genesis lending services.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed
Consumer complaint received 05-08-2017 about Payday loan, title loan, or personal loan (Installment loan) with Tribal Lending Enterprise, Inc. (AK).
Issue: Charged fees or interest you didn't expect

Complaint: On  XXXX / XXXX /   17  I was approved and given a loan in the amount of {$700.00} with the understanding that the pay off amount would " not be much more than {$700.00} '' The answers I received were very vague and misleading. Come to find out the actual pay off for the {$700.00} was well over {$2000.00}. Once I realized I attempted to return the {$700.00} they 'd already transferred to my account but they denied my request saying I would need to pay the finance fees and give them {$910.00}. This was the next day  XXXX / XXXX / 17 . I feel as if though this is not just as I did not realize what I was agreeing to and attempted to correct the mistake the next day but they would not allow it. I attempted to find a copy of the loan agreement to add to this complaint but I have zero access to any agreement via their website

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of identity theft and XXXX personal loan accounts is listed on my Trans Union, XXXX and XXXX credit report that 's fraudulent, unauthorized and do n't belong to me. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, Loan Account Number : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX, Loan Account Number : XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-03-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax has ignored my request to provide me with their verifying information they said is on file. It 's been past 30 days and they have not been able to verify the information. They are required to do so under section 611 ( 5 ) ( A ) of the FCRA or promptly delete all information. Please resolve this matter asap. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 02/20/2017 about Payday loan () with Chaplain Financial Services LLC (SD).
Issue: Can't contact lender

Complaint: I was contacted by this agency this morning and they advised me that I had an outstanding balance in their office, I notified them of my bankruptcy filing over a year ago, gave attorney info as well. 10 minutes ago I received another call from the agency, the person said they never called again, I advised was on my caller ID, and look at my notes from earlier in the day, she said I see you filed bankruptcy when was it, I advised all info including attorney name and phone were provided, the representative then said, you must be a welfare XXXX and hung up on me. I called back and the rep said it was n't me who called but we wo n't call again.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Debt collection (Other debt) with AFNI INC. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX/XXXX/XXXX I contacted Equifax about a collection debt appearing on my credit report that does not belong to me. Equifax informed me there was nothing they could do to correct the mistake. The alleged debt is from the company AFNI , Inc. in the amount of {$1000.00}. I do not have a signed contract nor any contract with AFNI, Inc. I have never done business with this company. I am not liable, nor am I responsible for collection from this alleged debt with AFNI, Inc. This negative mark is affecting my XXXX XXXX heavily. Please investigate this matter and remove this inaccurate information from my credit file with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Portfolio Recovery Associates has reported an alleged debt with XXXX bank, with whom I have never done business, on all three credit bureaus. They never communicated with me ahead of reported the alleged debt, nor have they provided a means to contact them, never gave me an opportunity to dispute this debt prior to placing it on my credit reports, or otherwise. Further, when I disputed this with the credit bureaus, they fraudulently confirmed this debt to the credit bureaus, despite this not being my debt. ( As I said, I have NEVER done business with XXXX in the past ). There are multiple violations of the FDCA, to my understanding, and I must insist they remove these fraudulent reports from my credit report immediately. I refuse to contact them directly, because in my research, Portfolio Recovery Associates has repeatedly asked the alleged owners of debt to " verify '' information such as name and address, which PRA does not have, in order to say, " well, our information matches, this is your debt ''. Thus, I summarily refuse to interact with the perpetrators of institutional fraud! 

I had suffered identity theft several years ago ( to wit, I still have a fraud alert on my credit bureau reports ), and I can only guess that this is Portfolio Recovery Associates trying to extort money from me as a result of that identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2015 about Credit reporting () with Experian Information Solutions Inc. (WY).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I disputed the entry for a mortgage foreclosure with XXXX Bank on Experian. They investigated and put the date of XXXX 2015 as the date of foreclosure on the account. I disputed the incorrect date of the foreclosure on my Experian report and they did nothing to correct it. I attempted to get them to fix the information to reflect the correct date of the foreclosure and they will not allow any additional changes to the data on the basis that it has already been investigate. XXXX and XXXX are showing the correct info.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (NC).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My soon to by ex wife who is not on my credit card. Took my credit card and charged up almost 6k worth of purchases and moved to Ohio. This is a sole account under my social security number that she was not even an authorized user on. I disputed the fraudulent charges, Navy Federal looked into it and said that they " did not think '' that my wife would be prosecuted and told me that was the end of the investigation. So they looked into the charges and stated that it was obviously stolen because I could not be in north Carolina and Ohio at the same time. They did issued me a new card but will not take care provide me credit for the debt even if I press charges. They need to press charges or whatever they have to do but they have zero fraud liability and they need to honor that. I want my the fraudulent charges reversed and my account to be back in good standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The company " Portfolio Recovery '' has called me XXXX times in the past XXXX weeks to try to get me to provide them with personal information regarding my son. They told me they were given our phone number as a contact number for him. We have had this phone number and address for about XXXX years. Our son left home about XXXX years ago when we were living in another state. My son tells me he has paid all his old debts and he owes no XXXX any money. I do not want to receive any more phone calls from people I do n't know asking how they can get to my son. XXXX of the numbers they have called from are XXXX and XXXX. I do not have the XXXX number. A different person calls each time. They should not have the right to continue calling to ask for personal contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2017 about Debt collection (Credit card debt) with Resurgent Capital Services L.P. (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I have an account that is showing in collection status for a former debt owed to XXXX XXXX XXXX, XXXX. which was sold to the law office of XXXX XXXX XXXX and XXXX, XXXX. 

I will attach letter below showing proof that the debt showing in collection now for this same lender bill that is already " settled '' with previous law firm in 2010. There has been no other collections contact for me from this original lender XXXX. 

I dont owe the bill twice and ask that the XXXX showing as collections from another law firm for XXXX be deleted as a duplicate. Apparantly this debt was sold again in error and showing it not paid by another law firm trying to collect this same debt. The current collections company needs to go bac to XXXX XXXX law firm and work there problem out but I wont pay twice. There is no court order for payment so it is showing in collections in error. 

I wont pay it twice and ask that the current collections company be notified and that this debt not owned be deleted by all three credit bureaus for the lender for the account showing under collections who is trying to collect an already paid debt. 

.Other than a date opened ( which may be incorrect ). There is no past due indicated, no past due history, no specific account this XXXX XXXX was pursuing. Vague details and do not follow guidelines of complete information required to report to credit report bureaus under state and federal credit laws as required.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: Submitted a letter of dispute to this company via certified letter and never received a response back from them and they continued to report the same disputed information on my credit reports without noting that I was disputing the information.

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 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Midwest Recovery Systems (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Company refuses to thoroughly investigate Dispute

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Mortgage (Conventional fixed mortgage) with Selene Finance LP (PA).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX sold my mortgage to Selene finance. When I got my first statement from Selene finance, {$4000.00} was added to the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (NM).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt is not mine. I fought this off with the credit reporting agencies due to the many debt collectors collecting on the same account and claiming different balances. This debt collector represents an old debt and is duplicate reporting. I recently got a letter from Convergent asking for more information in order to dispute this debt since I disputed it with XXXX. With XXXX I had no issue to get it off.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (KY).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: A payment was made for {$3300.00} to Chase Bank on X/XX/17 to be credited for X/XX/17 in error on an account that is closed. This payment was made thru bill pay. On X/XX/17 I was made aware the payment was never received. My wife made an inquiry thru bill pay and discovered her error in making payment to closed account. XXXX XXXX sent proof of payment and request for refund to merchant on X/XX/17.  Chase Bank requested proof of payment thru a transmittal report and provided a fax number. XXXX an outside party that handles XXXX XXXX bill pay submitted information requested from Chase on X/X/2017. They were requesting incorrect account number that money was sent to and the correct account number the payment should have been applied to.This information has been supplied from XXXX XXXX more than one time to Chase Bank. There have been numerous requests from XXXX XXXX in between these two dates to resolve this issue. There has been no help from Chase Bank to help me resolve this issue. I have had the account with Chase for a long time and I use the card on a weekly basis and always pay my bill in full each month. The due date on this card was X/XX/17. I have been sadly disappointed in the customer service and lack of concern that Chase Bank has shown me. The dollar amount is quite substantial to me and my credit score is of great concern also is getting this matter resolved. I realize the first mistake was ours but feel they have had ample time in reapplying payment to the correct account number which has been provided to them.

Company response to consumer: Closed with explanation
Consumer complaint received 12/18/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: TransUnion is reporting a judgement that does not belong to me. I am being violated and I do not approve of this violation. I was forced to pay {$1300.00} to settle this debt that did not belong to me and in order to remove this derogatory item and STILL TransUnion refuses to remove it after XXXX and XXXX has both removed this fraudulent item. My entire correspondence with TransUnion has been through certified mail for the last several months.

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 03-12-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I pulled my credit report in XX/XX/XXXX and the following accounts were not listed on my credit. I just pulled my report for XX/XX/XXXX and the accounts are listed on my credit report XXXX XXXX AND XXXX I WANT THESE ACCOUNTS REMOVED AS THEY ARE NOT MY ACCOUNTS. I HAVE NO KNOWLEDGE OF THESE ACCOUNTS

Company response to consumer: Closed with explanation
Consumer complaint received 03/16/2018 about Student loan (Federal student loan servicing) with Student Loan Care, LLC (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: I was charged {$42.00} per month for the past year, XX/XX/XXXX through XX/XX/XXXX via an online payment system called XXXX XXXX as a service fee for consolidating my loans and managing my account through a third-party company called Student Loan Care. My official student loan servicer informed me that Student Loan Care was essentially committing fraud by charging me a service fee. Student Loan Care also sent me daily emails about the annual re-certification process for student loan forgiveness and requested that all correspondence go through them instead of my official servicer. When I questioned my official loan servicer about this, they informed that that is suspiscious activity from Student Loan Care, and that I should not be paying any fee because my loans have already been consolidated with them via the Department of Education and that I have no fees to pay according to their records. I was also recommended by my official loan servicer to file a complaint with the state 'Consumer Bureau, ' alert the Department of Education about the suspected fraud, and seek legal council.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Harris & Harris, Ltd. (IN).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint: COLLECTOR CALLED MY CELL PHONE 16 TIMES IN VIOLATION OF TCPA, ALSO FAILED TO VALIDATE DEBT AND WENT ON MY CREDIT REPORTS IN VIOLATION OF FCRA AND FDCPA! ALSO, CALLED AND COLLECTED FOR XXXX XXXX TO WHOM THEY SHARED WITH ME IN VIOLATION OF DODD-FRANK ACT.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation