milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: The credit bureau is reporting an address and phone number on my credit report that are not mine. I have never lived at " XXXX XXXX XXXX XXXX, XXXX, VA XXXX ''. Also, my phone number has never been XXXX. This information is inaccurate and needs to be removed from my credit report. I do not want someone who checks my credit in the future to associate me with this address or phone number that I have never used before.

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 02-04-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: Navient is my loan servicer and they have been nothing but rude, unprofessional, unhelpful and harassing. I have tried on numerous occasions to settle the debts and they refuse. Then they offer me a forbearance -but never send me the paperwork - instead they report me to the credit agencies saying I did n't make my payment. I have been unemployed and called them to ask for reduced payments and they wo n't cooperate. They are calling and emailing me non-stop even though I ask them not to. All I want to do is settle the debt or get the monthly payment reduced and they play games and report me to the credit agencies as being delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with LEXISNEXIS (FL).
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint: I 'm very disturbed to receive a decline letter from your agent providing me insurance I did not ask for. In fact the agent was advised why I do not do business with you but they evidently went ahead and pulled credit anyway even while freeze on my credit report. At no time was permission given to pull my credit. In fact the credit reports are supposed to be secured from this type of activity because numerous errors are being corrected. You further complicate my credit worthiness with this inquiry.

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: I am one of the 143 million people potentially impacted by the hacking/data loss at Equifax. As of this time, I have no idea what this will mean for me, but at the very least it will require an amount of additional time and personal effort. At worst, I will be much more likely to be a victim of fraud in the future. 

Until such time as a new and more secure system is developed for managing personal information and credit, I and the millions of other victims of this hack must live with its consequences, with virtually no measure available to us to have prevented it. This is the real crime -- that the consumer is rendered powerless to protect him or herself without incurring substantial costs. The remedies Equifax has offered are insufficient given the magnitude of the breach and potential consequences to its unwilling customers.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Credit reporting () with Experian Information Solutions Inc. (LA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I was unable to get my free annual credit report due to it asking me questions about a mortgage. I have never purchase a home. I have never had a mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-02-2017 about Payday loan, title loan, or personal loan (Payday loan) with CNG FINANCIAL CORPORATION (IL).
Issue: Can't contact lender or servicer

Complaint: Had taken out a payday loan/installment loan on the Check N Go location on XXXX XXXX XXXX location in XXXX IL. I had to ended up filing Bankruptcy on the loan some years after ( payments were made on the loan ) due to loss of job and change of income and relocation and excessive debt. I contacted the XXXX hotline to inquire if any payday loans had been taken out without my persmisson and system stated/representative informed me that the loan was not closed out under my bankruptcy protection. I have the creditor listed under my Chapter XXXX bankruptcy which was filed and discharged back in 2015. I recently went into the location of lender and was informed that they were not able to give me any paperwork stating that the loan was taken out or anything showing the balance in which I had taken the loan out. I needed something from the location of the store so I could have something to show that I had indeed had the loan and that it needed to be closed out. I called the customer service number in which I was given and was informed that I do not believe was a valid department for the lender. I need to make sure that the account is closed out or given something that shows the account number so I have it updated that it was closed/marked under my bankruptcy. When I asked the store associate for information. The associate informed me that they were not able to give me any information and to call customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: /I requested a 7 day trial period for {$1.00} and sent in a termination request within 1 day and they a/re charging me for a service I do not want nor have used. Return my {$21.00} charged on XXXX/XXXX/16 to my credit card. That was my kids lunch monies 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 monetary relief
Consumer complaint received 08-12-2015 about Student loan (Non-federal student loan) with SLM CORPORATION (NC).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I have been out of school for almost a year & a half at this point. I started making my student loan payments about 8 months ago. When I first took out loans via Sallie Mae I was told the re-payments would be low and feasible. So I did it. I took out about XXXX with Sallie Mae. My first statements showed XXXX a month payments. I called and asked how that could be, it was n't feasible as promised & a 10 year payment option is not doable for my situation, I was told 10 years is all they can do and they had no solution for my situation. How can this be? I 'm struggling to make ends meet and climb deeper in debt each month just so I do n't miss a payment via Sallie Mae.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: My name is XXXX XXXX, I 'm writing because in XX/XX/XXXX, a state tax lien was removed from XXXX, Equifax and XXXX Credit Reports. However, two weeks ago it reappeared on my Equifax reports. I never received any notification from Equifax that they were reinserting a State Tax Lien back to my report. I 've attached a copy of my paid state tax lien and a copy of my XXXX credit report showing no Public Records on XX/XX/XXXX. I 'm requesting Equifax remove this state tax lien because they violated the law when they did not notify me in 5 days of reinserting tax lien.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (NY).
Issue: Settlement process and costs

Complaint: This is a classic " bait and switch '' case in which a Citi broker provided misleading information in order to try to close a deal. The result is that it is adding a month to my closing date and putting the deal in jeopardy. My wife, our dog and I are now in rotating short term housing, paying a fortune in rent due to this misinformation. Added to this, a total lack of communication, and you have a hugely frustrating and expensive situation - all due to the broker 's greed. 

What happened : We are in the process of buying a house in XXXX. We were working with XXXX mortgage brokers to make sure we got the best deal. We went ahead and ordered appraisals through XXXX XXXX and Citi. XXXX XXXX came back on XXXX XXXX 2015 with a favorable appraisal ( in writing ). Citi had offered a lower interest rate and, worried that XXXX XXXX was going to get the deal, advised on Monday XXXX XXXX that their appraisal on the house was higher than XXXX XXXX. I therefore advised XXXX that I was going to go with Citi. XXXX then cancelled the application. There was no communication from Citi all week when I tried to set a closing date. They did n't respond to calls and emails all week. They then emailed at XXXX on Friday stating that their appraisal was much lower than confirmed on the phone and if I wanted financing for the house at the previous level there would be all kinds on new costs and restrictions including having to keep assets of $ 100k in a Citi account prior to and after closing. 

Again, scurrilous sales practices paired with no communication after makes for very unethical behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (CA).
Issue: Managing the loan or lease

Complaint: I paid my vehicle loan in full, never late, paid in full, a few years earlier than it was supposed to be. Since I paid it in full, WFAuto Finance, has reported that I was XX/XX/2016 ( I paid in full on XXXX/XXXX/16 ). After I disputed, WFAuto changed it from XX/XX/2016 to XX/XX/2016. I disputed again, and they moved the late to XX/XX/XXXX and XX/XX/2016!

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 05/24/2015 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Shopping for a loan or lease

Complaint: I went to XXXX XXXX with the intent to change the oil on my current car. I ended up speaking to a used car salesman and got swindled into purchasing the car in 2013. I was lied to about the fact that there was only XXXX owner, I was able to find this out through an old car title that was left in the vehicle and found out there were actually XXXX owners. I also asked several times about the price of the car and they would n't tell me. I really feel that the car salesman knew this and took advantage of me because of this. They would not show me any paperwork until it was time to sign everything. I know I was naive but I was also taken advantage of. The car price was ( which I later found out ) was way above the price it should have been, almost {$6000.00} and I was n't aware of all the fees until AFTER I signed the paperwork. This is unfair to the consumer, and this situation has made my first car buying experience a disaster. On top of that the brakes needed to be replaced and I was n't told anything about this, until I heard and FELT the brakes slipping. I brought the vehicle back to the shop, and they did repair the brakes. Although, I do have kids and the brakes were in such bad condition that I could have gotten into a car accident. I want other consumers to know this, because now I am left with an enormous car loan for a car that is n't even worth half of the loan that is remaining. I know I was naive, but I do feel that they lied to me and also took advantage of me knowing that this was the first time I bought a car. I feel that I should have been told the price up front, and also given the option to negotiate it. I also was lied to about how many owners the vehicle had. I feel that I was pressured and coerced into purchasing this vehicle. I wish I knew I could have put in a complaint a long time ago, but I just found out that this was even possible. I hope that something can be done, but at the very least I hope others can be educated on this topic by making this complaint, and to not buy a vehicle from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Debt collection (Non-federal student loan) with SLM CORPORATION (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: 5 calls within 6 hours ( from XXXX to XXXX ). I have snapshot of calls on my phone. This is my sisters debt that I cosigned via Sallie Mae for school loans. They know I am not primary. She did not receive any calls today. She has scheduled automatic monthly payments with them that come out on XX/XX/XXXX ( today is XX/XX/XXXX ). 
XXXX XXXX is the number that called and XXXX was the name given on the voicemail. 
As a night shift worker who sleeps during the day these calls were extremely disruptive and I am quite annoyed that despite numerous communications via my sister and I they continue to 'prematurely ' harass me for a payment that is not even due yet. Hopefully this complaint helps rectify that. 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 04/30/2017 about Debt collection (Private student loan debt) with United Student Aid (USA) Funds (NJ).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: I  XXXX   XXXX  file this complaint with the Consumer Financial Protection Bureau, as I have already proven that  USA F unds is using another scam on a debt collection process that has already been beaten in federal court against  XXXX . The student loans were all procured well before   XXXX  , and my student loans were privatized, not owned by the United States Department of Education, or guaranteed in any sort. Origin ally USA Funds  were trying to establish an administrative garnishment, but that was shut down by the Department of Education. The collection attempt was by a Massachusetts debt collector named  XXXX   XXXX . Now USA Funds play a musical chair approach by seeing if another debt collector named  XXXX   XXXX ,  XXXX  will try the administrative garnishment. This is not only illegal, but this company did a hearing request where I would have to travel to the state of Minnesota to appeal the process in general. This is a violation of the stringent collection guidelines within the state of New Jersey.  XXXX   XXXX ,  XXXX  is not bonded or licensed to do business with any resident of the state of New Jersey. They are a deplorable operation that will attempt anything to collect on any debt, even debts that are no longer enforceable, such as  my 20+  year old private student loans. There were several complaints against this company online, and in state courts nationally. An administrative garnishment can only be enforced to the benefit of the United States Department of Education. period.   I demand a complete rescission of the attached threat for administrative garnishment. The timeline for a legal collection process on private debts have long passed  XXXX   XXXX . This false administrative collection process is what got NAVIENT fired by the United States Department of Education as a sanctioned debt collector, and  XXXX   XXXX   XXXX  has no authority from any federal agency to collect on behalf of the taxpayers of the United States.  XXXX   XXXX   XXXX  is not even legally bonded or licensed to do business in the state of New Jersey.   I DEMAND A CEASE & DESIST ON ALL FURTHER ILLEGAL ACTIONS BY  XXXX   XXXX   XXXX .    XXXX   XXXX   XXXX  IS IN TRUE VIOLATION OF THE NEW JERSEY FAIR DEBT COLLECTION PRAC TICES ACT 45:18-2 A ND THE FEDERAL FAIR DEBT COLLECTION PRACTICES ACT.   CEASE & DESIST AND FILE THIS COMPLAINT WITH THE FEDERAL TRADE COMMISSION TO START A PROPER INVESTIGATION AGAINST  XXXX   XXXX   XXXX  ILLEGAL COLLECTION PRACTICES!!!    XXXX   XXXX   XXXX  MUST PURGE MY FILE PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 04/23/2015 about Debt collection (Credit card) with JPMORGAN CHASE & CO. (NY).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I was informed by my Mother that she was contacted by the XXXX XXXX XXXX with a court order document # XXXX and that I am required to appear in court and a telephone number was left for me to return the call. I then called and was transferred to a XXXX XXXX XXXX who claims to be a Paralegal for XXXX XXXX XXXX. 

I was told that a creditor is seeking a lawsuit for the amount of {$1900.00} and that if I am willing to resolve this amount and if I am not that the suit will be forthgoing. They stated that they have attempted to send correspondence to my residence ( which I never received ) the address he stated was incorrect. 

I am not sure if this is legal under the Federal Fair Debt Collection Practices Act and I am hoping to get assistance in preventing additional calls and legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Money transfers (Domestic (US) money transfer) with BARCLAYS BANK DELAWARE (MO).
Issue: Other transaction issues

Complaint: On XXXX/XXXX/2015 I applied for the Barclay Platinum MasterCard credit card. It was a promotion to transfer a balance with 0 % interest for XXXX billing cycles. I requested a balance transfer of {$10000.00} from another credit card to the new Barclay MasterCard. 
I received the new card on XXXX/XXXX/2015 with a credit limit of {$1500.00}. Because it was not the credit limit I was hoping for I did n't activate the card and was thinking about closing the account. On XXXX/XXXX/2015 I received an email that a {$1000.00} payment posted to the credit card that I asked the {$10000.00} to be transferred to. I still had n't activated the new Barclay card yet and was going to cancel it. 
I called Barclay customer service and told them that the {$1000.00} was an unauthorized transfer and it happened without my knowledge or consent. They waived the {$30.00} transfer fee but told me that they could n't reverse the charges because it was already paid. I advised them that this was unauthorized transfer and that Barclay did it without authorizing it through me and did the transfer anyway and using an arbitrary amount of their own choosing and an amount other than what I agreed to on the application. 

I said that since it was in my mind an unauthorized transaction the responsibility of it falls on them to reverse this transaction and the burden to send them money is not on me. They said no, it could n't be done because it already was processed. I requested the new Barclay MarsterCard account to be closed. 
My point is that since my initial credit card balance was only {$1500.00}, which was way less than the {$10000.00} transfer amount that I requested that the transfer was not going to happen. Furthermore, I had not activated the card and was considering if I was going to keep it or not. 

It is my view that Barclay acted on their own performing transactions without me knowing about it not verifying with me if these were my wishes. If they would have contacted me and asked if I still wanted to transfer a balance since my initial credit line was way smaller than the transfer amount I requested it would have had a very different outcome. 

The Results I am requesting to resolve this complaint:XXXX ) Barclay to immediately reverse the {$1000.00} transfer with no cost to me whatsoever.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Debt collection (Other debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: OnXX/XX/XXXX, I received a phone call from an unknown number calling to collect a debt I supposedly owed Bank of America. I vaguely remember paying Bank of America off years ago for an non payment on a previous account. They told me some information they had, and it sounded legitimate. They told me I had to settle debt soon before having legal action taken against me. I agreed to make multiple payments. I made 3 payments, on XXXX, X/XX/17, and X/XX/17 and received a paid in full letter via email. The case manager gave a name and number to call, but I misplaced them. In an attempt to call them just to follow up, I looked up the creditor and called which only brought me to an automated system and directing me to voicemail each time. I looked up my bank information and tried calling the number associated with XXXX XXXX XXXX who collected from my account, the same issue. I printed my latest credit report and saw nothing about this debt I owed at all.

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 09/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (AZ).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: in XXXX I opened a XXXX Credit Card. In XXXX Capital One took over my card and it became a Capital One Platinum XXXX. As I was researching I discovered that this particular credit card they offer has no annual fee. I was very happy for this because I was pretty sure there was a fee on my old XXXX XXXX. I recently paid my Capital One Platinum card off and suddenly on my next statement besides the residual interest there is an annual fee of {$39.00}. I call them to ask about this fee and they said that it was part of my agreement with XXXX ... ..ok but it has been a Capital One card since XXXX and I feel that I should be getting the same benifits that they offer with this card for the same price that they offer their other customers. They said no they ca n't do that. Ok then transfer me to their other card that they do charge {$39.00} annually and give me the benefits that card offers. Again they said no. They refused to waive it, and insisted they can not drop the fee in the future even though I have been an excellent customer. They told me I could close it but that would have a negative effect on my credit rating since it was such a old/longstanding credit relationship. 
I feel this unfair, when they took over this card and put me in one of their products should n't it have more equal? And when brought to their attention, work with me now that they can see the type of customer I have been?

Company response to consumer: Closed with explanation