milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/30/2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (AL).
Issue: Problems when you are unable to pay

Complaint: I have a loan with One Main Financial. I have had this say loan since XX/XX/2013, it is a 63 month loan. My balance started at {$11000.00} which I was only told I was borrowing {$10000.00}. My balance now after 3 years is still {$8800.00} so according to them I have only paid {$2400.00} in 3 years. I have received multiple phone calls from this company during this 3 years in which they have told me that if I did n't pay my payment that day that they would be seeking legal action against me. I have also received phone calls and I have asked them for help with getting on track and they have told me lies about how they are being bought out my other companies and they ca n't help me. One day the office staff called me and did n't realize that I was on the phone already and started talking about how they were going out that weekend XXXX. I just received a call today, I made a partial payment on my account, and they told me that balance was to be paid in full today or they was going to seek legal action, they tell me this multiple times and that they will sue me if I do n't pay. There have been times when I have been like 15 days past my due date and they still tell me this. I am fed up. I have been spinning my wheels paying this company and they are hateful and always rude to me and lie to me and threaten me. I have tried to call corporate several times and I am always told there is nothing to be done and I have to take it up with my local branch. They also call me 6 to 10 times a day if I am due for my payment. I am trying to work a full time to be able to pay my bills and my phone is constantly ringing. The other day when I went in their office a lady was in there making a payment and they were yelling at her because she had a hard time hearing and they were very rude to her also. I just ca n't stand the attitude they have with their customers and the way they are treating the loans and threatening me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/21/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (KY).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: When I first began repaying my student loan the payment was XXXX/month at the time I was working part-time with the anticipation of being made full-time, but that had not occurred yet. I called my loan provider immediately and told them ( Sallie Mae ) my situation and I asked them if I could lower my payment for a period of 3-4 months until my pay increased. 

They told me no. 

My options were forbearance or pay the amount. So, not wanting to affect my credit or increase the amount of interest on my already steep loans - I paid the full amount even though it was a struggle. They were rude, no help and caused a significant amount of XXXX in that situation. 

I 've been paying faithfully and my interest rate continues to climb, I have n't made an impact in the balance at all I feel even though I pay monthly. I understand this is my debt, but I 've never had a bank or any provider of a service unwilling to work with a customer on a payment for a month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Revenue Recovery Corporation (TN).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I have an account on my credit report for a bill for utilities company who was paid in full and now apparently still showing open and sold to a collection agency. I did n't have any knowledge about that before I check my credit report currently.

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 06-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CO).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The credit bureau is reporting a bankruptcy on my credit report. The bankruptcy courts told me that they do not verify that information to the credit bureaus. The bankruptcy on my credit report was pulled from a third-party reporting agency, therefore it needs to be deleted. Once it 's deleted, I want proof that it has been deleted off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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 been disputing incorrect information on my equifax credit report for a long time now. There is an account that is reporting (   XXXX   XXXX   ) as a charged off to a bad debt. This information is completely wrong and it is affecting my credit score in a negative way. I paid this account in full back in the year of   XXXX   in the amount of {$380.00}. The company has since gone out of business so equifax keeps telling me that they have 30 days to respond. There is no way for them to verify this information at this point anymore because the company does not exist so by eqifax telling me that they verified the information as correct is wrong information and they refuse to delete it off my report. To top this off this account should have never gone to collection/charge off to a bad debt because I paid it in full. Now tonight I tried to go online to re-dispute this account again and after filling out all the personal information the system will not allow me to gain acess to my credit report. Having this wrong information with this account on my equifax credit report is affecting my credit score in a negative way and affecting me in obtaining substantial credit.

Company response to consumer: Closed with explanation
Consumer complaint received 09/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
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 been disputing two bankruptcies on my credit report for several months. 
I have requested that the Experian delete the incorrect information showing for both of these bankruptcies. The identification # for both are XXXX and XXXX. They are both showing the case as dismissed which is incorrect. They were both voluntarily withdrawn before the completion of any judgement. They should show the correct information. I have requested for Experian to validate with the bankruptcy court that the information is showing correctly. I contacted the court myself and was notified by the Court Clerk for the XXXX XXXX XXXX court that they DO NOT verify any court cases with the credit bureaus. This is false information is causing harm to my reputation and damaging my financial credit worthiness. I have requested in several letters to Experian asking for proof that they have validated the information showing on my report. Experian sends my dispute back as verified but unable to provide me with information on how they verified or validated the information. I am requesting that they either provide me proof from the court that the information is validated. If that information can not be provided then I am requesting both cases be removed from my credit report immediately or I will be forced to file a lawsuit against Experian for the providing incorrect/false information to companies that request my credit report.

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 09-11-2017 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: Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts.
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change.
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2017 about Debt collection (I do not know) with JPMORGAN CHASE & CO. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: NOT MINE, NO CONTRACT, NOT LIABLE, UNVERIFIABLE This account is claiming I opened it 23 years ago.I 'M XXXX which mean I opened this account at XXXX XXXX XXXX. This is not my account please remove it. I sent several letters and received no return response.

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2015 about Credit reporting () with EQUIFAX, INC. (PA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am XXXX and have applied for verses financial loans which have been declined because of incorrect information reported on my credit report, such as delinquencies, derogatory reports, and collections which not correct. I have many accounts placed on my credit report, that are not mine which I have disputed many times. This report is Equifax based out of XXXX Ga., address XXXX Ga XXXX. I would appreciate a full investigation with an identity theft inqiuryXXXX XXXXXXXX XXXX PA XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-11-2016 about Debt collection (Auto) with SRA Associates, Inc. (NJ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I returned my leased XXXX five months early and leased a new one. Under rhe XXXX loyalty agreement, the dealer was to have ( and did ) make the last five payments. I was to be responsible for over mileage and tax approximately {$200.00}. 
I received a bill from XXXX for {$2000.00}. I presented it to my dealer who said it was a mistake and he would handle it. A month later, I received a bill from XXXX collection for the {$2000.00} telling me it was the differential for auction price and turning lease in early. They did not honor dealer loyalty program agreements. 
I went to my dealer who provided proof they sent check and loyalty agreement to XXXX. They would again take care of it. 
Tuesday XXXX at XXXX i received a call from XXXX collections ( XXXX ). I told her I was on vacation and did not want o be bothered. She continued to press for the {$2000.00} and threatened immediate suit. I called my dealer again. Today on XXXX I received a corrected bill for {$200.00} from XXXX. The collection agency was still threatening me over {$2000.00}. I demanded and apology, correction and the account to be removed from collection. They refused since an amount was owed despite it being {$1800.00} too high. Everyone was rude and nasty and refused to remove the matter from collection

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This company reported to my XXXX credit reports this account and after disputing it about a year ago, all XXXX credit reporting agencies deleted the account. On XXXX XXXX 2015, the same collection company started sending me demand letters AGAiN. 

FYI MCM~ I have all my records and if you continue to demand payment on this account that was deleted and was not verified as mine AND/OR Re -Report any credit bureau, I will retain an attorney to Pursue them for financial compensation for the time, inconvenience, defamation and financial injury fro you ( MCM ), deliberate actions. Not to mention, filing a complaint XXXX for illegal and unfair practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-09-2015 about Consumer Loan (Vehicle loan) with CarMax, Inc. (WI).
Issue: Shopping for a loan or lease

Complaint: I purchased a vehicle the first weekk of XXXX 2015 from Carmax. I approved the carmax associate to run my credit XXXX time and that was to get me approved. I got approved then i drove the vehicle and it had multiple problem so with the carmax guaranteed approval of satisfaction i took the car back and got another one. During that process i didnt know they were running my credit all of them times. After i fouind out i called up to the store and asked them why they ran my credit so many times and i was then told when you have multiple inquiries from the same company they will merge together and become only XXXX inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Student loan (Non-federal student loan) with Asset Recovery Solutions, LLC (TN).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: XX/XX/XXXX XXXX XXXX XXXX took action to collect debts for student loans for which I requested verification. I was told over the phone I had used all in-school deferment and they were going to report it to the credit bureau without verifying because they did n't have to verify at this point. I never claimed ownership of the loans, I asked for all communications to be written because the employees of XXXX XXXX XXXX would call 6-10 times a day from different numbers and yell and communicate threats to me. When I told them I was in professional school they got even more aggressive and called 6-10 times daily from XX/XX/XXXX-XX/XX/XXXX to " intentionally disrupt me until I make a payment. '' Then XX/XX/XXXX they did negatively impact my credit and I sent them a legal document detailing every illegal thing they did in a letter letter with the help of PACER.GOV along with a police report filled for harassment and again asked then to keep communication civil and written so that there can be clear language used to discuss the loans XX/XX/XXXX. They never responded nor did they ever attempt to verify, they never tried to contact me again. XX/XX/XXXX they handed my accounts over to Asset Recovery Solutions , LLC to which I requested them to verify claims made by XXXX XXXX and requested that they not contact via phone but that they mail a letter as well.

Company response to consumer: Closed
Consumer complaint received 11/13/2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: My credit card was stolen out of my planer and I did not realize until I received my statement. I reached out to Citibank to dispute fraud charges on my account. XXXX issued credit for all charges then a month later did a charge back and closed my account. They will not talk to me via phone to resolve and said i must write into them. I want all fraud charges credited back to my account and account to remain closed.

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 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Portfolio recovery has illegally re aged this alleged debt. They are reporting as an open account with an open dates. Which is a direct violation of the FCRA. I never entered into an agreement with portfolio recovery. I have tried to rectify this numerous times. They verify these accounts with the credit bureau but refuse to send me their verification methods. I asked them to provide me a copy of my I.D and social security card to verify that these accounts belong to me. They have not done so. I will be forced to make this a legal matter.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have disputed several times the following items which are PAST THE STATUTE OF LIMITATIONS AND THE CREDIT REPORTING AGENCIES ARE LISTING INACCURATE DATA WHICH VIOLATES MY RIGHTS ON THE FOLLOWING XXXX/XXXX # XXXX XXXX XXXX/XXXX # XXXX original DLA is PAST THE STATUTE OF LIMITATIONS XXXX XXXX # XXXX {$46000.00} XXXX # XXXX Original DLA is PAST THE STATUTE OF LIMITATIONS XXXXXXXX # XXXX $ XXXX DUPLICATION AND PAST THE STATUTE OF LIMITATIONS XXXX XXXX # XXXX XXXX PAST DUE $ XXXX DUPLICATE AND PAST THE STATUTE OF LIMITATIONS XXXX # XXXX ORIGINAL DLA IS PAST THE STATUTE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (ND).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: When my loan was first sold to navient from XXXX they had low payments. XXXX month Then my payment went to XXXX a month. They are more than willing and they also preferr to put you in deferment then to take smaller payments so they can add interest to your total I have a total of XXXX in loan but now it is up to XXXX. It is hard enough to make XXXX but harder to catch up to pay the interest that has over grown they have had the loan since 2011. In 6 yrs the interest turned into XXXX. On their recognition to let you to deferred versus making smaller payments.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Other financial service (Traveler’s/Cashier’s checks) with JPMORGAN CHASE & CO. (CO).
Issue: Lost or stolen check

Complaint: This is not going to end well for anyone on the other side and that is not somehting I can compromise on. 

Last year a woman fabricated XXXX charges against me when I discovered she was a con woman. It is not a crime to lie to any one -- unless you are under oath. Therefore, absolutely illegal and morally reprehensible from someone, who is the transgressor, witth more XXXX criminal charges in XXXX states to say such a thing. Why? because the justice system was XXXX for personal gain at the expense of an unknown, innocent individual who was deftly put into a 6 month statute of limitations, never mind you, i 'm gon na get hauled down to lockup on a thursday with a judge who has a full docket. 

The check in question needs to be reversed or I am going to the people with this, and that does end well for you guys. A bulge brakcet bank, honoring a cimrinal over a faithfully loyal customer? 

If I remain idle -- am I doing the correct thing? Or is it enough to just accept that bad things happen to good people and that 's okay? Please I would love to know the offi8cal moral stance taken by the firm 's PR agency of Choice. 

I am being told by chase that deadlines are deadlines -- tough XXXX. 

I '' m telling you that extenuating circumstances, will be the bane of Chase Bank 's existence going forward. If I am your customer and someonee steald my check and writes my signature and the handwriting analysis is incontrovertible -- what more do you want? 
Oh I have to know when my XXXX is styolen? 


NO. 

NO. 

NO. 

Chase has failed me as a customer on a level that I can not tolerate as man who is doing all that he can to restore his belief in the the american justice system. 

The idea that this is my fault is tragic. 

Additionally, the check in questoin was submitted initially and returned. I was never made aware of any of this and chase will not acknowledge this. That 's great -- because it 's a legal obligation on their behalf. I never got anything about a bounced check, and a check that was not sufficietly funded goes without notification to the account owner and apparently run again and I guess I had the dough at that point. No clue what was happening. 

Please, show me how your isistence and outright coercive attempts to get me to admit on a recorded line things I have absolutely certainty over. Now that is terrifying -- terrifying. Because what we have here, is the brick and morter teller becoming emotionally attached to my cauase and the next thing I know she is having heated words with a colleague who had no problem trying to dupe me -- yeah I 'm XXXX -- but i had another chase person advocating for me. 

How on earth is this a sitatuuoin that chase XXXX bank can allow to happen? 

Patheric. utterly pathetic. I will move on next to the XXXX if they have one at Chase. nothing about being caught ibetween to co-workers is professionaly acceptable. 

I look fortward to a civil suit. It 's on.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax data breach. I am a potentially affected party, as stated by Equifax 's own website portal. The company provided my data via hacking to a third party ( or multiple parties ) which opens me up to fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 03/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Other personal consumer report) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint: My name is incorrect on my credit reports I also asked that a personal note be put on all 3 creit reporting agencies stateing that in the past 2 years I have been undergoing XXXX Treatments. I am now XXXX free and back to work

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