milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: A default judgment is appearing as a collection account on XXXX, XXXX, AND EQUIFAX.It is appearing as a collection perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERALS enacted within recent years.In addition, the date of first delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of first delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERALS AGREEMENT, CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.THE DISPUTED ACCOUNT IS : XXXX, XXXX XXXX XXXX XXXXACCT NO.  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (MD).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint: I applied for a phone with XXXX XXXX on XX/XX/XXXX following a promotional offer advertised on the television.According to the offer l was told that I could have a 2 weeks trial period during which I will not be penalized for the use if I returned the phone back.After 3 days and only one phone call to XXXX XXXX lasting about 3 minutes, l returned the phone back on XX/XX/XXXX because my family did n't like the offer.I was refunded back to me about {$50.00} out of {$68.00} that l paid for the deposit for the phone.Now I am being asked to pay {$260.00} for the phone line that I never used after the cancellation of the phone line and the phone returned back.My name has been submitted to the 3 credit bureaus for collection after I have attempted to resolve the issue.I am a senior citizen and l find this practice to be deceptive and a means to obtain money with intent to defraud consumer s.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 07-02-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (MO).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint: Basically someone stole my credit and I was homeless at the time and they served my mom with paperwork to go to court .. I never got the paper work I sent them a letter asking if they could validate the debt they never did.. So I have this credit hit on my account and cant get it off because they lied and court saying they got a hold of me they said they sent me a validation of debt and they never did. When I talked to the guy on the phone he said he was going to go after me till I was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (AL).
Issue: Managing the loan or lease

Complaint: I contacted Ally Financial on XXXX/XXXX/XXXX about the fact they were reporting ( 2 ) 30 day lates on my XXXX and XXXX Report dated XXXX and XXXX yet they were reporting XXXX 30 day late on my XXXX Report dated XXXX. I never had a 30 day late on the account from XXXX when opened until XXXX when traded and paid off. I was told by Ally that it would take them XXXX 5 days to get it corrected. I called them back on XXXX/XXXX/XXXX and they stated I was told incorrectly and that it would take at least 30 days to get a response. They changed the XXXX Bureau on XXXX/XXXX/XXXX to reflect XXXX late payment in XXXX but under status it still showed ( XXXX ) 30 day lates plus they updated the XXXX to XXXX so it brought my score down and they are still reporting it incorrectly. I contacted them again today and was told it would take another 30 days to look into it but that I did have ( XXXX ) 30 day lates in XXXX and XXXX I had all of my notes, dates when I called in and bank statements and the lady stated that the account was in a deferment in XXXX and that it was deferred in XXXX yet I made a payment on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX. They said they did not have a record of where they changed the due date on the account at any point and the contract due date was the XXXX yet they mailed me a confirmation that it was changed to the XXXX of each month. They stated they did not have access to my XXXX/XXXX/XXXX phone conversation. Basically they are reporting erroneous information on all XXXX bureaus and they want me to wait another 30 days for them to correct it despite telling them i was in the process of trying to save our home and refinance it and they keep getting the information more messed up. I want all the late 's removed from all XXXX credit bureau files immediately and for the bureaus to reflect paid as agreed and never late as it should. I should n't be penalized for there errors.

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 09/27/2016 about Student loan (Non-federal student loan) with WELLS FARGO & COMPANY (MD).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Only gave me one option for lowering my payments but only taking my rent in to account and not other bills that I have to pay monthly. I am more than willing to try and start payments, but can not afford the full payment at this time.

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 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Fraudulent inquiries.. All inquiries are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 12/16/2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company is reporting and account that other bureaus has already removed. I have been disputing this invalid entry for several months. I have never received any response from them with regards to my dispute and my verification request through the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: In the late XXXX, my then-husband and I took out a Sallie Mae consolidated student loan. The amount was between $ XXXX. We have been paying on average $ XXXX for the time since, with the exception of a short deferment after our son was born and needed XXXX. Because we divorced in 2001 and we were not permitted to separate the loan we for a few years sent our payments in separately and on time. We did n't realize for a few years that we were being charged late fees. Why? We were n't late on payments during that time. It affected both our credit. This loan payment has been an extreme burden, and we currently, almost 20 years later, owe about $ XXXX. How could we possibly still owe that much after making payments all these years? It 's mind boggling. It 's because they 're corrupt. What they 're doing is a scam, and I feel like it we went to court, we would win. We 've even asked them to provide documentation of our account activity and charges. They will not. We have applied with a payment reduction program, and more than once they 've tried to RAISE our payment to a {$1000.00}! We ca n't afford that. It is not legal. It ca n't be. Who is going to hold them accountable? I know of other people who consolidated with them and are in the same insane boat! Please help!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: An online purchase was made on XXXX/XXXX/2017 for the amount of {$460.00} The merchant was XXXX and the shipping company was XXXX. On several occasions, I notified XXXX  that I live in a high-theft apartment building and that my signature is required. I also informed XXXX that my building has an " on-site '' property management office that operates during normal business hours ( M-F/XXXX ), so if I 'm not home, there is an alternate option.
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I received a mobile text message to my personal cell number that the item in question was delivered. At the time I received the message, I was at my work office which is located in a different city ( XXXX, CA ). I immediately contacted XXXX XXXX customer service number and asked if the item was delivered to the onsite management office since I was n't home and there was no one there to accept the delivery. The XXXX customer service rep ( in XXXX ) said that it was delivered and that was all the info they had.
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When I got home from work, there was no delivery. I then initiated a " contested charge '' with Citi Cards and explained that the shipper ( XXXX ) did not acquire " MY '' signature and I did n't take delivery of the item and that either A ) the item was simply left at my door or B ) someone else signed for the item.
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Then I contacted XXXX again to get details about what happened. They said they spoke to XXXX and that they acquired a signature from someone named " XXXX ''. I explained that 1 ) that 's not me, 2 ) there 's no " XXXX '' at my residence, and 3 ) if you compared signatures from what was collected and mine, it would be obvious that they did n't collect MY signature.
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Citi Bank Billing Dispute Dept. " claimed '' they conducted an investigation, which did n't even include a signature comparison. I provided Citi Bank Dispute Dept. a signed document stating 1 ) I did n't receive the item, and 2 ) a copy of my California State Drivers Licence which has my signature on it as a reference. Citi Bank has stated that the investigation has been closed and they reversed the conditional credit. How is that possible?
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I demand that Citi Bank Billing Dispute Dept. apply a credit of {$460.00} since they did n't conduct a MEANINGFUL investigation which would have provided overwhelming evidence that XXXX failed to follow procedure in acquiring MY SIGNATURE for this item, OR, to follow the instructions given to XXXX to deliver the item to a secure location ( onsite property management office ).

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 12-01-2017 about Money transfer, virtual currency, or money service (Virtual currency) with PAYPAL HOLDINGS INC. (CA).
Issue: Unexpected or other fees

Complaint: For months I have been trying to send money using the Paypal site. 
Their site states that you can send monies to friends and family using your bank account at no charge. The site does n't give me the option of sending the money from my checking account, instead it will only allow me to transfer money via my debit card or credit card thus charging me a fee of {$32.00} everytime I want to transfer money using their services. I have called to try to get this issue rectified on several occasions. Instead I am always told that there is a security measure on their system that they can not by-pass restricting my account from this feature. I feel that this can be viewed as a discriminatory practice as I have had my checking account for 15 years with no issues on my account and Paypal is charging my account a {$32.00} fee everytime I want to use their services, I am not being given the option of sending money at no cost as other consumers are able to. Why can they debit the money from the same account via debit and charge me {$32.00} but they can not draft the monies from the same account without charging me the fees?

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2017 about Debt collection (Credit card debt) with Select Resource Group (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint: Company with the phone # XXXX has called me repeatedly and told I owe a debt which I paid seven years ago. Told me I would be served by the county clerk 's office and that I would have a lien put on my assets and that they have recordings of me vowing not to pay. 

She claims that its XXXX or XXXX. I have never received a single piece of documentation. This is distressing and wrong! Other ppl have complained about them at this website XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 10/31/2016 about Student loan (Federal student loan servicing) with AES/PHEAA (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I started working at a XXXX XX/XX/XXXX, and have been attempting to work toward Public Service Loan Forgiveness since then. After receiving incorrect advice for my first two years, I finally consolidated my loans through Federal Direct Loan Servicing, and started working toward making my 120 payments. In XX/XX/XXXX, I was trying to get ahead and actually make extra payments toward the principal. Users seem to be punished by trying to actually pay off debt through this program, as once I got ahead of my minimum monthly income-based repayment, they stopped counting my payments. The payments only register in their system if you pay the minimum and only the minimum. 

I have been submitting regular applications to PSLF each year to show that I am still working at a nonprofit. Even after doing this year after year, my statements only indicate that I have made 3 qualifying payments toward my largest loans. I have called numerous times asking them to correct this, and though they tell me they can, my statements still only reflect these XXXX payments. Most recently I called today, and was told that even though my most recent application was received XX/XX/XXXX, they still have n't gotten around to reviewing it and tracking my qualifying payments. 

Since the time I officially started with FedLoan Servicing, I have without fail made my monthly payments or more. By now I should have at least XXXX qualifying payments made toward my biggest consolidated loan. I 'm tired of calling and talking to various people ( who have different levels of knowledge ), and still not seeing any results. I have for a while felt like I have lost faith in this program, and wonder if I should be trying harder to simply pay back my loans. I fear getting to the end of a ten-year period and finding out that I will never qualify for loan forgiveness, and that in the end I will owe much more than if I were to have been paying it off little by little over that same period of time. 

I know CFPB is working very hard to try to make this system consistent and reliable, but I just do n't see the loan servicing industry coming through. Thank you for your hard work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-11-2018 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (NC).
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint: XX/XX/XXXX I went to XXXX XXXX to purchase a car for cash. I chose a XXXX XXXX XXXX. I agreed to make cash payments to the dealership within 4 months to pay cash price for vehicle. I gave XXXX XXXX a total of {$1000.00}. In XX/XX/XXXX I started receiving phone calls from Credit Acceptance. The representative informed me that Credit Acceptance Company financed the vehicle. I tried to explain the agreement that I had with XXXX XXXX at the dealership. I never received a Bill of sale, odometer disclosure, flood disclosure or any other documents the dealer is required by the state of North Carolina to provide. I explained to the representative that I did not sign loan documents. I requested that the company send me a copy of all loan documents. Credit Acceptance refused to send me any documents. The Credit Acceptance representative did tell me that the car was finance for {$18000.00} and the payoff is {$10000.00}. The interest rate is 22.5 % over the legal limit usury rate. I received copies of the documents in an email response to the XXXX XXXX XXXX from Credit Acceptance on XX/XX/XXXX, five months after I supposedly signed finance documents to purchase a vehicle that according to XXXX XXXX XXXX is only valued at {$3400.00}. I recently learned that XXXX XXXX has owned many deceptive car dealerships over the years. He changes the name of his dealerships to avoid abiding by the laws. I NEVER AGREED TO PURCHASE A CAR THROUGH FINANCING

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 11-01-2016 about Student loan (Non-federal student loan) with AES/PHEAA (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: On XX/XX/XXXX I tried to log into XXXX and make a payment on my student loans. I was not allowed to login, the website showed a message that my social security and birthdays supposedly did n't match up. I have been using this site, with that exact log in for 9 years and I can prove that the payments were made from my account. The loan was taken out XX/XX/XXXX. I spoke with a representative named XXXX ( employee ID number XXXX ). She obstructed me from making a payment then told me that they needed a copy of my birth certificate and driver 's license faxed over to them. They have had this information for nine years and this sounds fraudulent. They also mentioned a loan from XXXX XXXX XXXX, which I never took out with them. If the serviced was changed, I was never notified and I do n't know what they are talking about. This sounds like fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Credit card () with CITIBANK, N.A. (TX).
Issue: Credit card protection / Debt protection

Complaint: I signed up for a Best Buy credit card many years ago. Since 2011 I 've been charged roughly {$410.00} for some Debt Protection that I never signed up for. It shows up on my statements as XXXX. I only recently noticed this. I got it cancelled but this is XXXX. That money could go to far better use than to line someone else 's pockets.

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 07/14/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Privacy

Complaint: We called Capiital One Bank at XXXX at XX/XX/XXXX on XX/XX/2015. We were asked question from the automated system including credit card number, social security number ( last XXXX ), security question, date of birth. After providing these answer we requested to speak to a 'representative '. The system responded that sorry we a closed, please call back during normal business hours. This seems wrong. We called back and were directed to someone in XXXX XXXX. 

We called a third time and spoke to several people at Capital One who did not understand the seriousness of information being provided to a department /organization that should not have my personal information. 

Further, when we called again, my wife spoke to someone who attempted to assist. They spoke a short while, and then handed me the phone. The Capital One employee, XXXX, then told me her name and said that we were on a recorded phone line. Interestingly there was no announcement to my wife about that the call was being recorded. 

We called again, and we recorded the phone call, the automated system DID NOT report that we were on a recorded line. We spoke to a representative who further DID NOT state that we were on a recorded line. We reported to the representative that we were recording their conversation. 

It is my understanding that when the Bank must state that calls are being recorded when they may be recorded. 

Our attempts to get someone from Capital One bank to be concerned over either issue was unsuccessful. 

We are concerned that : The Capital One Bank phone / computer system has been compromised and provides outsiders with personal information that could risk my identity. 

We are concerned that Capital One telephone banking does not provide information regarding when calls are being recording.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2015 about Payday loan () with Delbert Services (TX).
Issue: Charged fees or interest I didn't expect

Complaint: In XX/XX/2013 I took a loan from Western Sky. The interest rate I was offered was different once the loan was deposited to my account.  Immediately I contacted Western Sky who informed me that the loan was sold to XXXX. Later I took the dispute to XXXX who at the time couldn't resolved my issue. Ultimately, this illegal loan was sent to a collection agency by the name of Delbert Services. Delbert is currently reporting a charge off on my credit report. I have disputed by concerns with Delbert many time and they refuse to remove the Western Sky XXXX from my credit.  At present Delbert is still reporting, yet claim they have sold the loan XXXX (unable to locate this company).  This is an illegal loan, and Delbert refuses to remove this Western Sky loan from my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (OH).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: On XXXX XXXX 2017 while shopping at Home Depot at XXXX XXXX, Virginia, I was approached by a sales associate at check-out and asked whether I currently held a Home Depot credit card and whether it was more than three months old. I said yes. He then said for {$25.00} off your purchase can upgrade your credit card to more favorable terms. I agreed to the " upgrade ''. I have now learned that the " upgrade '' was nothing more than opening a second Home Depot account. I have since talked to Citibank who assures me there was no difference between the card I had and the one I received as an " upgrade ''. In effect, the Home Depot employee misrepresented the card and engaged in what I consider fraudulent representations to induce consumers into opening a second account.

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