milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/31/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Opportunity Financial, LLC (IL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was notified back XX/XX/2017 that XXXX XXXX was fraudulently opened in my name and reporting to my credit reports. I am a victim of Identity Theft and immediately put a fraud dispute in with a copy of my identity theft police report with all 3 credit bureaus '. XXXX is the only bureau that has yet to remove XXXX XXXX from my credit report due to fraud. According to XXXX, XXXX XXXX is verifying an account with my name, address, DOB and last 4 of SS. That is all information that could be used when one is a victim of Identity Theft. XXXX XXXX has been notified that this account is due to fraud and was never authorized by me to be opened. XXXX XXXX has failed to provide a contract with my SIGNED signature showing proof that I am the one that authorized this account to be opened. I have an open BBB complaint against XXXX  and against XXXX XXXX. I have also filed a CFPB complaint against XXXX. I have sent another copy of my Identity Theft police report certified mail to XXXX XXXX along with a 609 letter. XXXX XXXX is inaccurately reporting a fraudulent account to my credit file & because of this inaccurate information, I have been denied credit for a home as well as other credit that I'm trying to obtain. This account needs to be removed from my XXXX report immediately due to me not authorizing the account to ever be opened and it was done as a result of me being a victim of Identity Theft. XXXX XXXX is providing verification to XXXX   that an account does exist using my name, address and DOB. However anyone can easily access that information on the internet and or phonebook. By law to validate this debt is actually mine, XXXX XXXX needs to provide an original contract with a signed signature by me. For the last 6 months, XXXX XXXX hasn't been able to provide an original contract with my SIGNED signature, therefore XXXX XXXX   is in violation of FCRA section 609 ( a ) ( 1 ) ( A ). XXXX XXXX needs to immediately remove this fraudulent account from my XXXX credit report or I will pursue all legal matters if necessary to enforce my rights under the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I 've been steered into forbearance many times and not told about payment dates.. almost tripling my loans

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (DC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I was up for re-certification of my income-based repayment plan. On XX/XX/2017, I was advised by a Fed Loan rep that the payment would increase from {$610.00} to over {$10000.00}. I advised the rep I could not afford that payment. The rep stated I could re-certify first then switch to the REPAYE plan, which would bring my monthly payment to around {$700.00}. I followed these instructions and submitted a corrected IBR recert on XX/XX/2017, which was approved. I then submitted a request to switch to REPAYE on XX/XX/2017 with supporting documentation. I called after submitting and was advised it would take about 10 business day to start processing the application. I called on XX/XX/2017 to get a status check. The rep could not provide a status update and failed to acknowledge that the XX/XX/2017 uploaded application. I requested to speak to a supervisor. I spoke to XXXX who noted the XX/XX/2017 application was incorrectly processed as a recert and stated she submitted requests for the application to expedited and I would be removed from IBR and switched to standard. However, she noted that I should receive a letter stating a reduced payment of {$5.00} will be owed and then to call back to ensure the rest of the REPAYE process is initiated. I appreciate XXXX 's help but I am concerned that I will be charged the incorrect amount and will be incorrectly billed an un-affordable amount. In addition to potential credit reporting damage, I am also on the public interest loan forgiveness plan and I am concerned that Fed Loan 's incompetence will impact my eligibility with the program. Please expedite this complaint as my next payment is due XX/XX/2017. I should not be penalized and harmed for following Fed Loan 's directions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06-03-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IN).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: Portfolio Recovery Associates XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX I have repeatedly requested information every month about this debt in writing only to be told that it is classified information that I need to pay it. They call all hours of the day, are very rude and vulgar, calling from many phone numbers. They have threatened Jail time, bodily harm, and to take out an ad in the local paper. They have demanded payment for {$5300.00} since XXXX 2012, every month I get the same letter. Every month I have sent in a written letter requesting information. Now they are calling my family members and telling them about this debt and threatening jail time for them if they do n't make me pay this debt. I have tried to work with them to get information and they refuse to give any information.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2015 about Credit card () with JPMORGAN CHASE & CO. (FL).
Issue: Credit determination

Complaint: I applied online for a credit card with Chase Bank USA , N.A . XXXX XXXX XXXX, XXXX DE XXXX. They sent me a letter turning me down for a card due to info acquired from XXXX, stating reason was bankruptcy. My credit score is XXXX which was in the good credit area. Here is my problem. I am tired of applying for and being denied for this reason. Okay, we did have bankruptcy in 2011. We had no recourse. For over XXXX decades we had excellent credit, with unlimited access to cards. However, due to my husband 's military status, his social security number was hacked, therein resulting in theft and unauthorized purchases, so high and numerous to be unreal. They had to be incredibly sophisticated with this hack. We could not find out who, where or when it was so huge and numerous. Even if my husband was a " millionaire '', I do n't think we could have kept up with the problem, therefore, bankruptcy. My problem is, when will we stop being punished for something out of our control? I can understand a bank denying us for this reason, however, it is so wrong to have points taken away for applying, especially considering the facts surrounding that bankruptcy in the first place! We did not plan to have people invade our privacy and steal from us and I 'm so tired of all of the negative results that was not of our doing!!!

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: I had my car financed with Santander XXXX XXXX. I had no choice with the loan company the dealership ( XXXX ) went with, I owed more than the car was worth.The interest rate is so high XXXX XXXX and whenever I have contacted them, the customer service is not helpful and also very rude. I do n't like that they wo n't refinance at a lower rate. I feel like I 'm being ripped off by this company. I have paid for this car twice from the looks of it I still owe XXXX plus on this car as of today.

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

Complaint: Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected on XX/XX/XXXX. I received no email, letter, or phone call and instead had to discover it via social media on XX/XX/XXXX.
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 08-04-2016 about Payday loan () with Big Picture Loans, LLC (MN).
Issue: Payment to acct not credited

Complaint: loan was pay of but they keep calling me at my job these peoples are XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-10-2016 about Debt collection (Credit card) with Alpha Recovery Corp (WI).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: I received a call from Alpha Recovery Corp saying that I still owed debt on a credit card that I had 2 years ago, I was under the impression that I had paid off that card in full, it turns out they had an old address on file so I didnt receive anything about it. When they asked me to pay I said that I would pay it this month and if I could n't pay the whole amount I would at least pay part of it, but that I would like a paper bill mailed to me and I gave her my current address. Since there are so many scammers out there, I never just give people money over the phone, I wanted proof of what I owed. The representative transferred me to her supervisor after I asked her to send me a bill, he started off by repeating most of what the previous rep had said so I said, I 'm sorry I 'm really busy right now, will you just send me a bill and I will take care of it. He started to get angry and agressive at this point and said that this account was past billing and I needed to pay my bills. I said " like I told the previous rep.. '' he cut me off and started yelling about how I needed to take care of it and would n't let me speak. I said, sir, if you 're too keep cutting me off I 'm going to disconnect this phone call. He yelled back oh you 're going to disconnect this phone call? Do you think that 's going to hurt my feelings if you disconnect this call? You 're the one not paying your debts. He was literally yelling at this point, I tried to interrupt to tell him that I have every intention of paying debts that I owe, but he would n't let me talk so I hung up. I called the number right back and got another rep, by this time I was sobbing, I have never been treated so horribly by someone who is a supposed to be a professional, I told the rep that answered what happened and also told her that I have every intention of paying my debts and also asked for the manager 's name that I had just spoken to, I could tell she felt bad, but she didnt sound surprised. I googled the company after I got off the phone and found a TON of people experiencing the same issues with this company. The one good thing that came out of it was that it ended up being a learning opportunity for my son, who was unfortunately sitting next to me through the whole thing, on how important it is to be decent human being.

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 06/20/2016 about Debt collection (Medical) with FIDELITY CAPITAL HOLDINGS, INC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a call when I was at work at XXXX on Monday, XXXX XXXX from XXXX. She introduced herself as a debt collector calling w/Fidelity to obtain a debt. She informed it will be recorded. She than informed me I had a bill for {$53.00} from XXXX but it has not yet been reported to the Credit Agency. I told her I am so sorry ( as I thought it was covered by my insurance ) and that I am more than happy to pay this Friday, XX/XX/XXXX and can she please send a letter and/or email confirming it will not reflect on my credit report at all. She said she does n't have any way to do that, I asked if her manager can please send me an email. She placed me on hold than placed XXXX XXXX XXXX on the phone. He was extremely rude and continued to over talk me and say no one can do this. I asked if I can possibly speak with or get contact information from his manager as I was working with a lender who informed me to do this specifically. Finally after I stated I have no problem paying I just want something affirming it will not be on my credit report and can you please give me an email or contact number for your manager. He said you can speak w/him directly and when I asked again for his direct number ( to ensure he was not a co-worker and an actual manager ) he ignored my request and transferred me to a gentlemen. I started speaking w/him and after about 10 seconds and no response from him I looked at my phone and they disconnected the call. I tried calling back twice and it just rings, no way to contact them. I still have no way of paying this as I have searched for Fidelity and there are many. Please assist as soon as possible, I am also in the process of contacting XXXX. 
Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Credit card () with CITIBANK, N.A. (NY).
Issue: Other

Complaint: CBNA made a hard inquiry on my credit without asking me. I already have a citi bank card and have had it for a year, why are they pulling a hard inquiry and lowering my credit score by XXXX points???

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 06/20/2015 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (FL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: Transworld Systems Inc is sending me a bill for {$720.00} and I do not owe this. It says city of XXXX. The only thing I ever had with the city of XXXX was a bill for XXXX in XX/XX/XXXX This was settled in XX/XX/XXXX through a debt collector XXXX company. 

Transworld shows nothing what his is for and they keep sending me unknown bills. it only shows an account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I moved out from XXXX prior to the end of my lease. I gave proper notice & received an email from the manager that explained the fees. I paid 2/3rds of the balance prior to leaving & was informed I would be contacted in 30 days and I could make payment arrangements. I received a letter on XXXX from a company called IQ Data saying I owed and incorrect amount. I faxed them the next day with a copy of the email from my leasing office with the fees and asked them to correct their records and I would make payment arrangements to pay the corrected balance. I also called that afternoon and was told to wait 24 hrs for my fax to get in their system and they would contact me. They did not even tho I provided all my current contact info. I called them back on XXXX. They claimed they did not get my fax even tho I had a confirmation letter. They continued pushing me to pay the debt then and said that it would go to the credit bureau if I did not take care of it immediately. They told me that I could not make payment arrangements and that I only had 30 days from the day I moved out of the apartment to pay the debt. Their letter arrived 30 days after I moved out so I could not have paid it. They refused to listen to my concerns, they were unwilling to consider payment arrangements on the corrected balance and all they did was threaten me to pay the balance as quickly as I could. I do not want to deal with these people. I want the communication returned to the leasing office and I will make arrangements with them once they have assured me that the balance has been corrected and this will not appear on my credit report. IQ Data is unethical and people should be made aware of their terrible collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with JPMORGAN CHASE & CO. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Chase bank apparently conducted hard pulls on my credit 6 days apart last year and wont remove them. I don't understand why one place would need to hit me twice in one week, often it takes a month or two for my credit score to update changes. It is hurting my credit score, and I have never had any delinquent marks or accounts or payments.

Company response to consumer: Closed with explanation
Consumer complaint received 05/17/2016 about Mortgage (Conventional fixed mortgage) with LoanCare, LLC (UT).
Issue: Loan servicing, payments, escrow account

Complaint: Our loan was sold to loancare, so we did not choose them to finance our loan. With a recent situation, as well as many interactions with this company, I am very concerned with the service and internal controls within loan care. I 'm in high management at a student loan company, and would be mortified if my employees handled calls and situations as they did. Back in XXXX, we began paying every two weeks. We were told this was okay. Then we came to find out after a couple months that we can not split the payment, and have it count as our monthly payment. We found this out when we were due a double payment one month. We spoke to an agent about this, and he said he could re apply the payments that showed to principle to count as the payment. We advised that from here on out we would make the full payment which we did. Months later, we then received a delinquent notice, and so we called. I was on hold for almost an hour till someone came on. I explained to the agent the situation, and she was not helpful, stating she was n't sure why it was n't done. I asked for a supervisor, and was transferred to a voicemail. I called again, and after an hour an agent picked up and disconnected. I was in shock of the customer service I was recieving. The last conversation my husband had with a supervisor is that even though we were told it would be re applied we should not have split the payments. We were reported to the credit beruea by this company although our payments were made. They did not fulfil on their end re applying the payment. I 'm concerned that we first would be told this would be re applied, that it never happened, and then future encounters there is no one taking responsibility. On top of this, as a customer I do not feel taken care of. It should n't be so hard to get in contact with your mortgage company because the hold times are so long. Then on top of that, recieving the poor service when you do speak to someone. I have never had issues with my credit, and because of Loancares poor business practices, I now have a mark. After researching and reading other reviews, I 'm not sure how this company is allowed to be in business.

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

Complaint: My information was included in the hack discovered on XX/XX/17 according to equifaxsecurity2017.com It took over a month to inform consumers about this hack and we have been unprotected and unaware this entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with WELLS FARGO & COMPANY (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had never received a call from Wells Fargo Dealer Services to let me know that I 've been paying the previous month every due date. They 've been adding up lots of late payments fees for months. I even thought my loan payment was actually the amount I 've been paying so far. Even though this had been happening for months and nobody had contacted me I 've been paying my car 's loan every month and I have proof of such monthly payments. My last payment was on XX/XX/XXXXXXXX and the next payment was XX/XX/XXXX, 29 days later and Wells Fargo Dealer Service reported my account delinquent for more than 30 days. I need them to fix this problem right away.

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 11/15/2016 about Debt collection (I do not know) with Platinum Holdings Group, LLC (PA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: I received a phone call from a XXXX at Premium Assests Services on XXXX/XXXX/2016 while at work concerning a debt though a Payday loan service. I informed here that I have never had a payday loan and not to contact me at work as I work at a XXXX. They then contacted my parents. I have no idea how they received that information. I have asked them several times not to contact me over the phone and to send me a debt validation letter. To date, I have not received this letter. Today, XXXX XXXX, from Premium Asset Services, called my place of employment and spoke to the HR director giving him my SSN, DOB, and address. This is a breech of my personal information and a clear violation of the Fair Debt Collection Practices Act. I want these people to stop these collection practices without me even knowing what the debt is in the first place.

Company response to consumer: Closed with explanation