milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This is in regards to the recent data breach reported for Equifax. They are offering only one year of credit monitoring when the information leaked, e.g. SSN, name, etc. causes an impact for the rest of my life. There have been a lot of breaches but this is the last straw. There needs to be recognition that these breaches are more than a short term issue for consumers and not be used to farm new clients for their monitoring services. They should be required to provide lifetime monitoring for people whose information was compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2017 about Debt collection (Federal student loan debt) with ECMC Group, Inc. (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I attended XXXX XXXX College inXX/XX/XXXX and the school did not provide the promises they made for job placement and graduating in 18 months. I withdrew from the college when they said they could not provide the credits necessary to complete studies in the promised 18 months. There were two attempts to secure employment with interviews that yielded 0 offers.
From day one to this day, i refute being responsible for these predatory loans that were written in fraudulent intent. They wanted to extend the loans beyond the 18 months that we were not agreeing to.
When this fraudulent action was finally discovered in XX/XX/XXXX-XX/XX/XXXX, i filed to get our loans discharged that were in default. Instead, ECMC decided to take drastic actions now and withheld {$9000.00} from my wife 's return in XX/XX/XXXX. I called to setup a rehabilitation repayment but they instead went ahead with wage garnishment of 15 %. I know this is all legal, but it is a hardship on our part but of course not according to their qualifications for hardships. Homeless, utility disconnections, etc.
They should have never been allowed to puchase the XXXX XXXX just to retain status to continue collecting on these pedatory loans. I 've read many former students in the same situation getting hard tactics to collect on these loans.

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 09/20/2017 about Mortgage (Other type of mortgage) with SELECT PORTFOLIO SERVICING, INC. (CA).
Issue: Trouble during payment process

Complaint: I, along with my advocate from the Office of Congresswoman XXXX XXXX, has asked that XXXX contact me by mail only. Since making this request numerous times, XXXX has stated in their most recent letter the numerous attempts to contact me by phone and most recently resorted to using intimidating and aggressive tactics such as posting mail on my door indicating a Notice of Default and listed a Trustee 's sale date of XX/XX/XXXX 

In the last few correspondence submitted through the CFPB, requests were made asking XXXX to provide dates in the month of XXXX for me and my advocates to come and review files in XXXX headquarters located in XXXX XXXX XXXX, Utah. The most recent letter received by XXXX neither specified a date nor acknowledged the requests. A month 's notice is required by my employer before consideration can be given for time-off requests. Hence, I need to submit a request as soon as possible and subsequently secure travel plans. 

Additionally, the issues raised in the letters are not redundant but instead seek to compel XXXX to submit valid supporting documentation to support their erroneous claims. Copies of Assignments from the County Recorder 's Office provided by XXXX do not indicate the transfer of any rights to XXXX. XXXX XXXX name appears nowhere on the documents. Instead, XXXX repeatedly refers  to a Trust ( XXXX ) that closed in XX/XX/XXXX, according to the IRS, The Security and Exchange Commission, XXXX XXXX and the State of XXXX  Division of Corporations where the Trust was registered and terminated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2016 about Credit card () with TD BANK US HOLDING COMPANY (NY).
Issue: APR or interest rate

Complaint: Almost 1 year ago I purchased furniture on credit card XXXX ( TD Bank NA ) .Account number is XXXX. XXXX/XXXX/2016 I made the last payment XXXX , after this payment my account balance became XXXX . At XXXX/XXXX/2016 I called to costumer service by number XXXX, spoke with representative XXXX at XXXX and closed account. 
After, I received e-mail that informed me that I have to pay {$700.00} interest at XXXX/XXXX/2016. But at that time my account was fully paid off and closed, and I did not have to pay any interest, because I had no interest charge for this account for 1 year. 
This is attachment from what I see for today : Trans. Date Post Date Ref. Number Description Plan ID Amount XXXX XXXX XXXX PAY BY PHONE PAYMENT XXXX - XXXX XXXX XXXX XXXX PAY BY PHONE PAYMENT XXXX - XXXX XXXX XXXX XXXX PAY BY PHONE PAYMENT XXXX - XXXX XXXX XXXX XXXX BILLED DEFERRED INTEREST CHARGES ON PURC XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I HAVE  XXXX  ACCOUNT WITH CAPITAL ONE AND THEY HAVE FAILED TO  XXXX  AS AGREED TO WHEN APLLYING FOR CREDIT CARDS.  XXXX ,  XXXX ,  XXXX  AND  XXXX . I AM NOT PLAYING GANES WITH ALL CREDIT FURNISHERS WHO ARE NOT COMPLYING WITH AGREEMENTS AND THUS WILL NOT HONOR SAID DEBT, CLOSE ACCOUNTS AND DISCHARGED DEBT VIA  XXXX  AND CEASE ALL CREDIT REPORTING OR BE SUED IN CLASS ACTION EFFORTS.  <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  AND  CAPITAL ONE FIN ANCIAL.  <P/> WE HAVE RETAINED LAW FIRM.

Company response to consumer: Closed with explanation
Consumer complaint received 06/22/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY ().
Issue: Making/receiving payments, sending money

Complaint: On XXXX XXXX, 2016 I made a wire transfer from my XXXX account to an XXXX XXXX XXXX named XXXX. On the same day, I received a Wire Transfer and Receipt and a Confirmation number. The next morning, with no explanation given, I received an e-mail notifying me that " Your Wire Transfer transaction has been canceled ''. Moreover, I have ben denied access to my online accounts and the use of my debit card. It seems that I have become a security risk!!! I spent hours upon hours on numerous phone calls, but the bank insists that I present myself in person at a Wells Fargo branch, a thing I can not do since I reside in XXXX. I am forced to take loans in XXXX to pay debts, while my money in XXXX bank accounts is unreachable. I am XXXX years old and can not bare the stain. 
The above is unheard of and simply outrageous.

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 04/17/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This debt was paid and should never have been reported to the credit bureau. I have been in the process of rebuilding my credit over the past 2 years. I t ake my credit score  and report very serious. I was unaware that this was on my credit report!

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: I have reported fraudulent activity on my credit report several time due to online shopping and lost and stolen wallets with social security cards Maryland state identification cards in them. All three credit reporting agencies have agreed to contact me at by number provided to them before my credit is ran, however, I continue to find unauthorized inquiries in large numbers reflecting on my credit report this is a great concern to me as a consumer as it gives me the impression that the reporting agencies have no regard for the protection of the consumers they are reporting on as of XXXX XXXX, 2017, none but XXXX inquiries are accurate on all three of my reports to resolve this problem I would like all three reporting agencies to remove these errors at once to ensure im receiving fair reporting as I have been affected many times before by such inaccurate reporting.

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 03/31/2017 about Debt collection (Payday loan) with Check Security Associates, LLC (SC).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: I originally took out a loan from XXXX. This loan was sold to XXXX who then moved it to Warren Asset Locations. The company 's phone number is XXXX. I sent a cease and desist letter on XXXX, 2017 both by fax and email. I spoke to a women by the name of XXXX on XXXX/2017 that confirmed they had received this letter. On XXXX,2017 and XXXX,2017 I was sent emails. Today on XXXX they called me at work 3 times with in 5 minutes. When someone would answer the phone they would hang up. I have pictures on my phone of the caller ID. Before the letter was even sent I had asked them not to contact me at work or any other 3rd parties. It appears that this company does not follow the laws. This is the second step that I am taking to stop the harassment. My 3rd step will be a law suit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I closed my {$500.00} limit credit card account # XXXX with XXXX XXXX XXXX in XXXX 2016. This was a secured card ( I paid the {$500.00} upfront ). I contacted XXXX XXXX in XXXX 2016 to indicate I wanted to close the card due to the fact I no longer needed this card. I was asked multiple times to please not close the card, however to clI was insistent they close my account and I paid the {$330.00} balance at the time. I asked if I needed to contact them back regarding any other issues to close my card, they stated it could take 30 days for any accuring interest to show. I called back in XXXX 2016 and asked if any unpaid interest was I was told may card was closed and I had a {$0.00} balance, and if any accrued interest occurred I would be sent a bill. I received no bill. I did receive mulitple solicitations to reinstate my card, which I declined. I recently pulled my credit report and after XXXX 2016 XXXX XXXX charged me a {$38.00} fee- never disclosed to me and never billed. I contacted them to indicate this was inaccurate and they stated an annual charge must have accidently been applied after my card was closed.I belive this is a fraudulent practice in an attempt to knowingly charge a fee once I closed my card, and worse yet they reported it 90 days late. I am so dissapointed at such a shameless attempt at defrauding hard working people. And STILL it is on my credit and has dropped my score nearly 80 points! For a secured card that I had a {$500.00} deposit on! They stated they would send my my secured deposit within 30 days, it took nearly 8 months to receive my deposit- once again a shameless tactic.

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 12-07-2017 about Checking or savings account (Checking account) with SUNTRUST BANKS, INC. (TN).
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint: Issue is not well described in any of your choices. It concerns a policy in place at my bank which is illogical if not indefensible. I have banked at same branch for 10+ yrs., credit rating exceeds 800. An attempt was made to scam me via XXXX which failed. During discussion with my bank mgr., BEFORE depositing check into my account I learned ( Wed., XX/XX/17 ) that if I had deposited the check ( corporate check made out to my name ) it would have been rejected as fraudulent and all MY accounts would be frozen. This was accompanied with discomforting comments about how difficult, time consuming and very expensive it would be to have the accounts released. 

This does not seem fair to me. Why would n't the bank simply reject the check and, possibly, charge me a returned check fee? Since I never asked for cash and understood the check would take some days to clear I do n't see why the bank should " lay claim '' to my money for an indeterminate period of time when they have not parted with any of the bank 's assets. 

I can only imagine the intention is to hold a known, guaranteed amount ( my accounts ) while they reap interest for investing my money over a short period of time from which they will enjoy interest return on investment. On previous occasion I presented bank certified cashiers check for deposit at same branch, expecting the funds to go in as cash. I was told they would be held for one week " to clear ''. I demanded the branch mgr. call the issuing bank to verify the check which he did in front of me. After a brief conversation with the issuer ( 5 min. +/- ), suddenly the full amount of the check was made available as cash in my account. If this were bank policy, law or regulation their initial decision should not have been changeable just because I challenged the absurdity of it. Again, my money ( known to be backed by valid check ) is in their hands for investment for a week with no justification I can see. I am available for discussion in detail if needed, assuming you can simply respond to this submission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Credit reporting () with Experian Information Solutions Inc. (MA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have spoken to and reviewed my credit report and the reasons for a denial from XXXX XXXX ( letter attached ) are listed. 
Either the information is being reported incorrectly or XXXX XXXX is not reviewing the correct file. 
I applied for a XXXX XXXX credit card through XXXX XXXX and was declined. 
I have spoken to them on 3 different occasions only to be told that this is what the credit bureau is reporting to us. 
I have a current account with XXXX XXXX that I have has since 2014 which has been give XXXX credit line increases over the years and my payments have Always been on time. 
I have no past due accounts and approx XXXX revolving current credit accounts all CURRENT.

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 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (HI).
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: Well my capital one customer and corporate office personnel are calling me mam instead of sir and frankly being rude and being disrespectful towards my medical condition and seems no one is trying to solve all these issues or giving me the proper supervisors or a over all boss or the president of the company. Please fine them or help me file a major complaint against them or take them to court or whatever you all do.thank you  XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2018 about Vehicle loan or lease (Loan) with CREDIT ACCEPTANCE CORPORATION (NV).
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint: I financed a car from XXXX XXXX i recieved the loan through credit acceptance XX/XX/18. I went to register my car and the DMV said my car was a stole car my son was put in handcuffs and we were detained. I happened to have my financing paperwork with me so the officer seen that I didnt steal the car. The officer ran a check on the paperwork that i provided him with and found out that the car lot sold the car I financed to someone out of state. I contacted the dealership about the incident and they returned my down payment .I also contacted the bank to get the money i paid into the car loan they said that they would be sending me a refund check for the amount i paided into the vehical that was on XX/XX/18 now when i call asking about my check the bank reffer me to the car lot and vise versa. I asked if they could put track on the check and i get no help.

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 06-04-2015 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (AL).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: Portfolio Recovery Associates, XXXX XXXX XXXX, Virginia XXXX XXXXXX/XX/2015 my XXXX XXXX account was seized and all my funds were taking up to {$900.00}. I checked my online banking and seen where XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX had taking all my funds. So, went to my locate branch and i was dumbfounded of what was going on. So, i called the attorney office they advice i was being sued by pra collections. after two weeks i recieved papers from XXXX XXXX where they had seized my accts and why. so, i went to my located court house to set a complaint and set a court date. well, my court date arrive and the judge stated i could n't get my funds back. this credit card i had when i first went to college. i was young and but this was i how survived. well after court the judge state i make a settlement with pra collectons. i called the attorney office and the no longer had the acct so i called pra collections they told me to call the attorney office bc they could n't speak with me about the matter. it was in the legal dept hands. so i was giving the run around. i want a lawsuit against pra for not informing me and the false information gaiving to me and the stress they have cause

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: This is a formal complaint against TRANSUNIONAccording to my credit report, XXXX is currently reporting to TRANSUNION that I applied for credit XXXX on XXXX/XXXX/2015 I did not grant TRANSUNION authorization to provide access to my credit report to XXXX ; or share my credit report with XXXX 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry. 

The presence of this inquiry is adversely affecting my credit report. Time is of the essence so I would greatly appreciate a response from you immediately. Please mail me the copy of a signed application or a letter indicating your intention to delete the inquiry.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04/26/2016 about Debt collection (Medical) with Mid-Michigan Collection Bureau (MI).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: mid Michigan credit bureau XXXX, mi never sent verification billings of debt or made any valid attempt before placing bad debt on my XXXX which was the only way I knew of it in the first place,

Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Credit determination

Complaint: AMEX phoned me and invited me to apply for a gold AMEX card. Said I was prequalified. So I applied over the phone, was denied. I appealed the denial - AMEX says I was denied because my old AMEX card was cancelled in 2003. That was thirteen years ago during the financial crisis I could n't pay my bills. I have over XXXX credit now, always pay my bills, high credit lines on all my existing credit cards. Why wo n't AMEX forgive and forget? It seems like it is a violation of the Fair Credit Billing Act to hold something over seven years old against me. That old AMEX debt was never pursued and was forgiven by AMEX, it is legally extinguished.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2016 about Credit card () with UNITED SERVICES AUTOMOBILE ASSOCIATION (AE).
Issue: Unsolicited issuance of credit card

Complaint: I have had a USAA Master card since 1988. This account has always been in good standing. Recently USAA switched to Visa without my permission or consent. I called USAA to tell them I do not want the Visa and to cancel it. They stalled, put me on hold, switched me to a supervisor who told me if I cancel the card it will hurt my credit score, in essence a coercion tactic. This can not be legal or ethical.

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. (GA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: My income sensitive payments were stopped without warning. I did n't have a chance to contest this and had to pay several months of a much higher payment until I could finally get another income sensitive rate. I was also told I can not defer my payments even though I am unemployed. Communication from Navient is poor.

Company response to consumer: Closed with explanation