milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09/30/2017 about Payday loan, title loan, or personal loan (Installment loan) with Argon Credit (CA).
Issue: Charged fees or interest you didn't expect

Complaint: I got this loan online with Argon Credit back in XX/XX/XXXX and everything was going ok until summer of XX/XX/XXXX. That 's when my automatic payments stopped and I started receiving collection calls that I was behind on my payments. I thought that was strange since they have been debiting my checking monthly for an entire year. But every time I spoke with Customer Service they could n't access my account/info. I tried to log on and could n't access it either. The agents at Argon are nothing but kids, they sound so young, inexperienced and could never transfer me to a supervisor. They always said a supervisor would get back to me and never would. I sent them an email on XX/XX/XXXX and have received no response. I followed up with another email on XX/XX/XXXX and no response either. I have now access to my account online and noticed that I 've been charged numerous {$25.00} NSF fees. I do n't understand how they would charge me these fees when they do n't even try to submit it to my bank. Now, if that is the case, then do n't you think XXXX would have charged me a fee, as well, if there were no funds in my checking account? I 've asked this company to refund all those fees and the agents say there is no fees on my account. It 's really frustrating that you sign up for a loan and agree to the terms and Argon ca n't even hold up their end of the bargain! I 've asked for a copy of my agreement and that even was doctored because I would of never signed an agreement that would have my last installment payment of {$1000.00} when my monthly payments were only {$79.00}. My loan has gone from 36 monthly payments to 42.

Company response to consumer: Untimely response
Consumer complaint received 03-08-2016 about Consumer Loan (Vehicle loan) with ALLY FINANCIAL INC. (MA).
Issue: Problems when you are unable to pay

Complaint: My wife bought a XXXX Subaru Forester at a dealership in XXXX, Massachusetts. The dealership submitted a car loan from Ally Financial with a high interest rate. 
My wife 's name is XXXX XXXX XXXX and she is from XXXX. Because of the high interest, payments were difficult. The XXXX Subaru Forester was ending up being towed for missing payments. My wife, XXXX, was angry at me but we finally got the money for the tow and storage fee and the back payment to get the car. 
I now have read the Justice Department and Consumer Financial Protection Bureau article by XXXX XXXX of XXXX XXXX regarding the XXXX to settle the minority car loan discrimination probe. In this article it stated that we would not need to do anything. That we would be notified.

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 09/29/2017 about Debt collection (Medical debt) with HCFS Health Care Financial Services, Inc. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have contacted ARS at the phone number XXXX regarding multiple accounts listed on my credit report, they are all listing duplicate and re-aging on my credit file. I have a seeked a lawyer as this info is damaging. There are three accounts listed {$29.00}, {$74.00}, {$1000.00}. I have asked over and over to please send info and prove how I owe the debts amount. I have yet to receive anything. I spoke with an agent name XXXX back in XXXX XXXX who advised she will have a lawyer contact me and open up a lawsuit if I dont send a check and address it to XXXX XXXX XXXX XXXX XXXX FL XXXX. I also called other times where agents advised they will not resend anything to me. At this point I want to pursue with a law suit for these so called alleged charges from 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 explanation
Consumer complaint received 06/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (LA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX XXXX XXXX XXXX XXXX, La XXXX XX/XX/XXXX Dear XXXX XXXX/ Equifax : Please have the fraudulent account ( XXXX XXXX XXXX XXXX ) removed ; Equifax has removed it and it has been reported to the FTC. Also, the inquiries on my credit report, which I did not authorize need to be removed as well. <P/>Also, I contacted XXXX/ XXXX XX/XX/XXXX. <P/><P/><P/>Sincerely, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/22/2016 about Credit reporting () with Experian Information Solutions Inc. (DC).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: I have disputed the following accounts : 1. XXXX XXXX Account # : XXXX 2. XXXX # : 3 ... 
On XXXX XXXX, 2016 I spoke to XXXX XXXX ( Experian Consumer Affairs employee ) regarding the above mentioned accounts. I was informed that a Contract was never provided but simply the above mentioned companies simply press verified in Experians system. I am requesting a contract bearing my signature as it is illegal to report non validated inaccurate information to FCRA 's. I was also made aware that Experian has been sued before for this practice. Please supply the requested documentation or delete these items from my credit report as they are non validated in accordance with the law and inaccurate.

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 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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 smart rate shopping for a mortgage which has damaged my fico score. I requested in writing that some of the hard pulls be removed.

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 03/16/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I recently contacted Experian to dispute XXXX items on my credit report. First its suppose to be only XXXX account and they are reporting as XXXX. I disputed XXXX XXXX XXXX XXXX as reporting wrong information. First of XXXX owns the account not XXXX XXXX XXXX XXXX they are a third party. As soon as I found out I had a debt with XXXX New I paid in full XXXX I then deisputed the accounts with Experian and they would not removed them or report accurate information. XXXX XXXX XXXX XXXX are reporting XXXX different accounts where they is only suppose to be XXXX account only. I paid the original creditor which is XXXX XXXX XXXX XXXX XXXX XXXX and the credit breau wo n't contact them to see if is paid. Instead they contact XXXX XXXX XXXX XXXX this is not their account they just work as a third party to try to collect. I never enter into a contract with XXXX XXXX XXXX XXXX I do n't owe them a dime I already paid in full XXXX. XXXX XXXX XXXX XXXX is reporting it twice when there is only XXXX account not 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 non-monetary relief
Consumer complaint received 03-09-2016 about Credit reporting () with Experian Information Solutions Inc. (ID).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: After being denied credit I requested my credit report from Experian but they say they can not give it to me.

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 03/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attended XXXX in XXXX, FL from XXXX, I am left behind with a ton of student loans. My degree was in XXXX, I decided to continue my eduction in XXXX and several schools I applied to informed me that my my credits were not transferable basically the school is not accredited. The school has since closed, there are many complaints and class action suits against XXXX. I was never able to find a good paying job in the field therefore always struggling to make payments on my student loans. I recently called Navient to get a breakdown of the money I took out to pay for this non accredited school and they were not able to give me a right number. After giving me the total I confronted them about not adding up to the total from several months ago but they always have an answer for everything. Navient is another who has a suit against them, I believe that they have falsely given my information not informing me in the past of the best programs for me to make payments to them, although I feel as I have been taken advantage of by both XXXX and Navient and my debt should be forgiven. I am now a XXXX and not able to pay my loans. Can you please look into both XXXX and Navient and get this deceitful debt off my shoulders so I can breathe again. Thanks so much!

Company response to consumer: Closed with explanation
Consumer complaint received 01/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MN).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Hello, My name is XXXX XXXX. I am so frustrated about Equifax company and how it works their system. honestly, I tried everything that I can and even sent them the statements. 

XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, CO XXXX Phone : ( XXXX ) XXXX My account number is XXXX opened the account XXXX 2017 This is what they are sending me the last two months. Equifax has completed your dispute for Confirmation Number XXXX and nothing changed Please fix this issue. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I recently pulled my credit report from XXXX and Transunion, and to amazement, I still see this company name XXXX XXXX reported as a charge off. I have disputed this account with Transunion and XXXX. However, it comes back " verified '' I am very curious as to what kinds of " records '' this company has on this account. I have sent request for validation/verification of this alleged account. No response have been received from this company for over a year. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( MO ) XXXX XXXX XXXX I may presume that no proof of the alleged debt can be validated. Also, under the Fair Credit reporting Act, this disputed account my not appear on my credit report if it can not be supported by any evidence. If this matter does not get resolve amicably, I will file charges against this company for violation of my federal rights. I have been dealing with this issue since 2014..

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 06-09-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Why is Equifax allowed to claim that accounts are mine when the company 's claim they have not told Equifax this and Equifax refuses to send the information sent to them by these companies. No wonder most credit reports have errors, it is like Equifax is a daycare.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (CA).
Issue: Taking out the loan or lease

Complaint: - On XX/XX/XXXX, my wife and I went to the car dealership Toyota XXXX ( located on XXXX XXXX XXXX XXXX, XXXX, CA XXXX ) to buy a used car ( a Prius from XX/XX/XXXX ). 
- We went in with an approval letter for a car loan from XXXX XXXX XXXX : a loan of XXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/14/2016 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Cavalry Portfolio Services continues to collect on an alleged debt that is outside of the statue of limitations per my credit report and they have failed prove that this alleged debt actually belongs to me. Over the course of the last couple months, I have attempted to have them prove to me that this account is mine to no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2015 about Mortgage (Other mortgage) with PHH Mortgage Services Corporation (CA).
Issue: Loan servicing, payments, escrow account

Complaint: I asked my mortgage company, PHH Mortgage, if I could make bi-weekly payments. I was told that their company no longer accepts bi-weekly payments, and that even if I sent them it would not accelerate the amortization of my mortgage -- i.e. they would still treat my bi-weekly payments as monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 07/14/2015 about Debt collection (Medical) with Budget Control Services, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I was fitted for a XXXX brace with a prescription. They called my insurance company and agreed the insurance company would pay 50 % because they were out of network. My insurance company ask them several times For documents which they did not provide. Because of the time gone by the insurance company closed the case. The company has called me many times. I offer to pay them my half and they refused my payment method. I believe they gave me a more expensive brace than what was prescribed. Once again I did offer to pay my part

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent two validation letters to XXXX and they ignored my requests for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (SC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX sent numerous letters explaining in there flyer options for a fresh start.Deceptive if you do a short sale you will be responsible for the difference which you will have to pay tax on. Second option for a fresh start Deed-In-Lieu or Foreclosure. Please read accompanying flyer. Looks like same as short sale. Spoke with XXXX at XXXX who understood the reason for my mother 's desicion for deed in lieu or Foreclosure and sent out nessacery paper work Personal Financial Statement, Assets and Liabilities, Income and Expenses, as you can see there is no way she can afford a 3 month trial period @ {$1000.00} a month. She sent back all required documentation.The next time I spoke to XXXX she said they did not receive the information and would send a XXXX pre paid envelope if they did not recieve it by XXXX/XXXX/2016, .The only thing sent was 1 certified letter and 2 in the mail box with the same forms for a modification.My mother received it on XXXX/XXXX/2016. XXXX is either confused our incompetent either way I think my XXXX year old mother with XXXX is being taken advantage of. The only thing short is the protection of seniors.. What a joke when I am told that it 's up to them because they might loose money. Hello they never loose money and if they do then that 's the way it goes when you are supposed to be experts in home buying and selling. This is why tax payers have to bail out all the banks and business 's! Will email copies of documents sent by XXXX and filled out and sent to them

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 03/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have a Tax lein from XXXX county register of deeds that does not belong to me it was reporting on XXXX bureaus i called the County Clerk and verified that i do not and have not had a tax lein in my name. I disputed with XXXX bureaus and equifax and experian removed the lein because it was not valid and could not be validated for that reason. Transunion claimed it was verified. I then went back to the XXXX County Clerks Office and they verified again that i do not have a tax lein and have not had a request for verification of a tax lein from the credit bureaus and even further that they do not report to the credit bureaus at all, At that time i requsted method of verification and transunion did not supply only the fact that it is verified by a third party It is not my responsibility to reach out to a third party so i reached out to the XXXX County Register of Deeds that the Bureaus are alleging reported to my file maintained by them an account that doesnt belong to me. The third party is actually fraudulenty reporting in the name of XXXX county Register Of Deeds. Per my report it is alleged that the data furnisher is XXXX County Register of Deeds but they do not report to the credit bureaus they do not have a data furnishing aggrement with the credit bureaus so it is another entity reporting and alleging that they are XXXX County Register of Deeds. I have asked the bureaus to forward the contract or agreement or any proof that they are recieving to validate this file since I have requested it from XXXX County Regster of Deeds and they dont have anything. I have requested that the credit bureaus investigate this tax Lein on 3 occasions to no avail. they have not investigated nor have the forwarded any validation documents.

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 12-02-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Stanislaus Credit Control Service, Inc. (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: STANISLAUS CREDIT CONTROL {$0.00} {$420.00} XX/XX/XXXX, This company keeps posting and deleting debt. Please delete and replenish score.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2017 about Payday loan, title loan, or personal loan (Installment loan) with MoneyLion Inc. (NC).
Issue: Charged fees or interest you didn't expect

Complaint: On or about XXXX XXXX, 2017, I initiated a loan application for a loan from Moneylion.com after the company approved my application I was approved and the payment terms were set at {$37.00} per pay period and a {$99.00}, on the XXXX of each month, for a subscription fee. The company requested my payments be made via ACH draft. Therefore, I provided my XXXX XXXX routing and checking account number. After making a few payments, I elected to pay the loan off on my upcoming pay period. Therefore, On XXXX XXXX, 2017, I emailed a letter to Moneylion 's customer service team revoking the ACH debit or any type of access to my XXXX checking account. On XXXX XXXX, 2017, I received a response from XXXX stating the ACH revocation would be honored. On XXXX XXXX, 2017, I logged on to my account and noticed an overdraft due to a {$99.00} ACH from Moneylion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 05/13/2016 about Debt collection (Credit card) with CL HOLDINGS LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This debt was purchased by Jefferson Capital XX/XX/2014. I did not receive communication, though they insist they sent it. Calls to Jefferson Capital informed me to first call their account reps to get my information. Another call said the debt had been sold to a company called XXXX. A call to XXXX told me it had yet been sold to another company. I have n't received any kind of information from these companies with debt validation or giving me the right to dispute. The last company 's rep said she " was n't sure '' if they still had the original account information. I feel as if I 'm being run around in circles. 
As for my credit report, this account appears as it still belongs to Jefferson Capital.There are multiple inconsistencies across all reports.

Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (AZ).
Issue: Managing an account
Sub-issue: Cashing a check

Complaint: I received my paycheck from XXXX XXXX ( XXXX XXXX ). I deposited mobile to my Chase Bank Account. A few days later accidently grabbed same check ( instead of another check ) and deposited physically at XXXX XXXX. I realized that evening I had made mistake and went to XXXX XXXX next day to cancel deposit. they reversed funds. then a week later Chase Bank reversed funds as well. This check is not in either of my accounts and the funds were not returned to XXXX. I have called so many times to get this corrected. no one can fix this Please help me to get this {$1300.00} back to my employer. call me at XXXX for questions

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. (AL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: I checked my information
on equifax2017security.com and get the following message : Based on the information provided, we believe that your personal information may have been impacted by this incident. Click the button below to continue your enrollment in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/17/2017 about Mortgage (FHA mortgage) with LoanCare, LLC (OR).
Issue: Trouble during payment process

Complaint: XXXX XXXX XXXX is charging an additional {$10.00} to make a mortgage payment online and if you pay by phone they also charge {$10.00} to make a payment. There is no longer a way to pay your bill without being charged additional funds to pay your mortgage. 

There website also often does n't work making it difficult to pay your bill in general

Company response to consumer: Closed with explanation