milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 07-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Inquiries on report that are unknowing. Contacted companies and was referred to contact Transunion. When contacted transunion customer service treated me rather poorly and I 'm now deciding to just file a full complaint here about my service and credit report. Inquiries include : XXXX XXXX XXXX XXXX XXXX XXXXXXXX An older one that I have contacted several times including by mail is XXXX XXXX. <P/>I had a freeze on my credit report for identify theft but I 'm not sure if it " expired ''. Please help me with these issues and inquiries as soon as possible as I would greatly appreciate it. Thank you very much in advance and I hope for a better response than the first reach out.

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 03/15/2018 about Debt collection (Credit card debt) with Richland Holdings, Inc. (NV).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On XX/XX/2017 I received a letter in the mail with no return address on it. I opened it it was papers copied from a letter from the courts. It appeared bogus a scare tactic to collect a debt. I tried calling but got no response back. I tried emailing got response back, with a number to call. When I called it was a fax number. Previously before I tried to pay back this debt. But the gentleman I dealt with at XXXX XXXX XXXX did not want to negotiate. Months passed maybe a year. Then I receive this in the mail. My complaint is if I am going to be sued I am supposed to get papers delivered by a constable from the courts. I never did.At home or where I work. The number I researched online came back as a SCAM. That's why I did not respond back.

three months later they are garnishing wages from my paychecks. When the original debt was less than {$500.00}.

This organization should follow rules, It appears they did not.

If this issue is not resolved I will have to go to the local media to see if they can investigate.

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 02/27/2018 about Credit card or prepaid card (Store credit card) with Alliance Data Card Services (VA).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: XXXX XXXX XXXX allowed a 3rd party to add fees to my acc. The co said it was added when I took out my card. I tried to resolve it w a supervisor with XXXX XXXX and even though its mailed out on XXXX statement he claims they have No control over this. I was irate when he said not their problem. I feel this Bank has to be responsible for Account Assure charges and I should not have had to deal with resolving this. I feel many elder individuals are also being charged and over looking this fee. I am disappointed that any third party can just start adding a fee without my approval.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-08-2017 about Payday loan, title loan, or personal loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (IL).
Issue: Problem with the payoff process at the end of the loan

Complaint: I took out an original loan for  XXXX  dollars at their crazy 35.99 % interest rate but I needed some funds in a hurry and paid off the loan early which would have been around  XXXX  for the full term but they charged me over  XXXX  for far less than the full term and did not refund me the overpayment now I 'm looking at this after signing up for an additional loan that again I need very short term ( {$5700.0 0} ) a nd they are reporting that I owe them over  XXXX !! This is inaccurate reporting, they do not display statements, payments, and early payoff quotes correctly so they can intentionally  XXXX  you.

Company response to consumer: Closed with explanation
Consumer complaint received 04-04-2017 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Equifax # XXXX There are a few accounts on my report unverified. I had previously disputed these accounts. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
The following account are not accurate BY FCRA STANDARDS. 
1. XXXX/XXXX XXXX This acc is a duplictate accunt please delete. 
2.XXXX This account has not been verfied please delete. 
3.XXXX This account is a HIPPA act violation I never gave permission or consent to access my medical records please delete. 
4.XXXX This account is a HIPPA act violation I never gave permission or consent to access my medical records please delete. 
I would like to see some type of writing proof of these claims : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ALL COMPANIES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 10/18/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XXXX XXXX, XXXX I file formal dispute Portfolio Recovery Associates , LLC. And requested all documents that validates their claim. All I received was a form letter with redundant information. Then after several attempts to get them to comply with 15 USC 1692g Sec 809 ( b ) of the FDCPA. on XXXX XXXX, XXXX I made a formal request for Portfolio Recovery Associates , LLC. provide me with the legal competent evidence that I have a legal obligation to pay. Again I received the same form letter and documents back that they had sent before. On XXXX XXXX, XXXX I received a letter stating that they would not respond to my request. 

To resolve the problem, I would appreciate your demanding them to comply with the law and provide me with the information and action that I requested. Enclosed are copies [ copies, not originals ] of my records, and letters.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2016 about Consumer Loan (Vehicle loan) with World Omni Financial Corp. (FL).
Issue: Managing the loan or lease

Complaint: XXXX Toyota agreed to pay any remaining balance including any wear and tear of the vehicle. I received a bill from World Omni XXXX for {$230.00}. I disputed this in writing with both World Omni and XXXX Toyota. I have documentation in writing from XXXX Toyota advising me that a check was forwarded bringing my account to {$0.00}. Dispute my numerous attempts to rectify and World Omni refuses to remove the negative " charge off '' from my credit. It should be added on or about XXXX, 2016, a representative from World Omni unlawfully accessed my credit report to determine if my potential claim under the FCRA was justiciable. This is violative under the FCRA. World Omni failed to notify the credit bureaus when they filed a negative rating that the undersigned disputed the debt. They changed their remarks on my credit report after I advised I was going to bring a lawsuit to attempt to cover up from their previous violative behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with Experian Information Solutions Inc. (NC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I used the annual credit report site, entered all required data, Experian and XXXX both said they could not confirm identity, did not even offer an chance to access XXXX, and there were no options to find out why they could not confirm identity, the only option was to back out and then wait a year to try again. I used the phone to request the reports and they needed less info than online, but said it would take 3 weeks before I got it when I needed it for a legal matter right now. All I can say is that this site is about as useful as your other one, the 'Do Not Call Registry ', and that is sarcasm, not praise.

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 02/28/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: Law enforcement Systems is reporting each charge as a separate account. They have negatively affected my credit report by XXXX points. They have charged my credit report over 10 times! I know they are doing this to have maximum negative effect but please have them correct this. Also, I am disputing the amount of each toll violation. They are charging over {$100.00} for each violation. They are currently being sued under a class-action law suit for charging excessive fees. I am in the process of buying a home and I do n't want this to prevent me from getting a good interest rate. I am willing to pay fines but not {$100.00} for each toll violation which the original toll fee was only $ XXXX {$10.00}. This is a private company setting these fines for a government agency. Please have them reduce the fines to a reasonable amount and have them remove all these charges. Again, I am willing to pay the fines but not {$1000.00}. These practices are illegal and absolutely immoral, i ca n't understand how no federal agency has n't investigated this company. Also, since they have violated the FDCPA, i want them to pay for each violation, which is {$1000.00} each. Thanks! 

-XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2015 about Mortgage (VA mortgage) with QUICKEN LOANS, INC. (WI).
Issue: Settlement process and costs

Complaint: Quicken Loan placed a lien on a lot personally owed in full by us. We had applied and were approved for a VA refinance loan in 2012. prior to that in XXXX 2012, we had changed our property lines and that was approved by the XXXX XXXX county board and filed. When Quicken was working on the loan they received the new approved survey and the new Parcel numbers for each lot, they XXXX attached to the home address and the one owned by us. They chose to place a lien against both my lot and the one that was the home lot. I did not find out about this until they paid my taxes on the lot that was mine. They now state that thier Title search company ( owned by Quicken ) did everything correctly. However, the XXXX XXXX title people state that is not true. I have all info in a form that I can send, this has been reviewed by the WI state banking examiner who are not able to resolve this due to a lack of legal personal. The bottom line here is I was forced to take a second remortgage in order to gain my own property back from Quicken. While Quicken covered most of their cost, they refuse to repay me for the cost of the VA funding fees. We could use some help with this. 
thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: My current lender is Navient, and my schools for undergraduate and graduate were XXXX University in XXXX, XXXX, XXXX XXXX in XXXX, XXXX, and XXXX University in XXXX XXXX, XXXX. Inhumanely, Navient has been calling me 8 to 10 times a day threatening me with default, but claiming to offer a suitable repayment plan that will avoid such action. When I return the call, I explain my situation : I am unemployed with health struggles that have left me XXXX to work for a certain amount of time due to, XXXX and XXXX. Despite this knowledge, as per their usual, they deny me a repayment plan. I have not once denied that I will pay, but their inconsistent influx of what is due has placed me in an emotional tailspin. Sometimes, they claim that I need to pay XXXX a month and can not go any lower, sometimes its is XXXX, and others times it is XXXX, causing me to assume that my payment really depends on whom they summon to their bidding. I have offered to pay each time, but they deny my money unless it up to par with their impossibly high demands. Sometimes these calls, are cruel and cold, as I am treated like a sap rather than an educated human being trying to avoid a lifetime of debt and credit destruction. They no longer offer me forbearance or deferment, nor anything type of assistance that can help me avoid default, despite their knowledge of my situation. When I asked for further information on my personal loan and what they have documented over it, they became distant and uninformative. I even struggled to get my username and password from them after I forgot it, and could not login. I have been placed in XXXX from this company that has veiled its destruction of me, and many others students, as helpful. They are cruel, cold, and calculated, and ignore my plights, despite having said that when I get a job, of which I am actively searching for, that I will pay more of what they desire, but can not do so right now and maintain livelihood. They have proudly announced, that despite all my efforts and attempts to comply, that I was not good enough, and they will charge me off. This information was told by my last Navient aficionado whom announced that the banks will buy my debt on a discount and really ruin me, as if I was to be grateful that a lesser evil is trying to spare me only according to its own whims from a greater evil.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2016 about Consumer Loan (Installment loan) with CASHCALL, INC. (CA).
Issue: Problems when you are unable to pay

Complaint: I asked for {$1800.00} they approved me then when I went to sign the paperwork it said loan was for {$2600.00}. I told them I did not want {$2600.00} they told me that I needed to take it or they would have to re approve me and draw up new paperwork which would 2 weeks. So I signed the paperwork. After 16 months of paying them over {$200.00} I had more than paid off the original loan amount and my husband left me. I could no longer afford to pay this so called and tried to renegotiate with them. At this point the lady got extremely hostile and rude towards me and all but called me a beadbeat. So I stopped paying it. Now 8 months later their debt collector is suing me for {$2600.00} plus attorney fees which I can not afford. Need help with this and their illegal lending practices.I 'm

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Fairway Collections, LLC (WA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I hired an lawyer for a legal matter, she when on maternity leave after taking the case and handed it off to another lawyer. However I was still being billed for XXXX lawyers. I was charged from the lawyer that went on maternity leave the day after she had her baby for a court hearing to which she was not there at. I did not sign a retainer document for the second lawyer but they demanded that I pay XXXX retainers. XXXX lawyers charged me for the same items, and not the credit collection company is telling me that they are going to take me to court. They faxed me the " proof of debt '' and their own ledger does not support the amount of money being asked for.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Mortgage (FHA mortgage) with Shellpoint Partners, LLC (DE).
Issue: Application, originator, mortgage broker

Complaint: I was contacted via phone about refinancing my home with a streamlined mortgage by New Penn Financial. The loan officer was promising me numbers and rates which eventually did not pan out. When he contacted me about the mortgage loan I asked him to give me a better idea of what the true benefit would be if I decided to refinance. He told me he would discuss numbers with his boss and ultimately what he promised did not pan out. I was n't too upset, because I was n't really too hard set on refinancing my property if the benefits were not worth the trouble. I then reviewed my credit report and saw that New Penn Financial pulled my credit without my permission. I never agreed to a hard inquiry and they did it anyway. Nothing was ever communicated in writing outside of a welcome email. All of our contact was over the phone and I do not understand why my credit was run without my permission. I 've attached my call log with XXXX XXXX and a voice mail he left about a quote and not being able to secure a previously offered lender credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2015 about Consumer Loan (Installment loan) with WELLS FARGO & COMPANY (MI).
Issue: Managing the loan or lease

Complaint: I got the loan in XXXX XXXX for an emergency home repair. When I went to set up an account online to pay in XXXX, it was VERY user-unfriendly, and I ended up having to call their customer service, and was on the phone for quite some time. I thought I had gotten it all straightened out for this month, but I also had a lot of problems this month, and was unable to access my account. Consequently, I was locked out from paying the monthly installment. When I called Customer Service again to remedy the problem, I found out I was late paying ( how would I know? I was n't able to access my account! ) and assessed a {$26.00} late fee on a {$40.00} payment. The woman was very discourteous, and insisted it was not the problem of Wells Fargo, stating she was unable to remove the late fee. I explained that it was the problem of Wells Fargo, since I was n't able to access my account. She kept repeating " not Wells Fargo 's fault, '' so I asked to speak with her supervisor. I was on terminal hold, and ended up hanging up after about 12 minutes of waiting.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-05-2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient is untrustworthy, unreliable and unprofessional. 

The site continually does not reflect my payments. The status says " past due '' but the money was taken out of my account the day it was due. I called weeks ago to no avail. The representative told me that it would be resolved shortly. Weeks later it hasn't.This has happened multiple times. Also, it is very inconvenient, because they will no longer be accepting credit card payments online. This is inconvenient, especially since it will be flooded with phone calls and late fees may apply if a representative is unavailable. 

I am afraid my credit, which I finally raised, will be affected because of their technical problems. I feel helpless and powerless. 

I do not know what I can do at this point!

Company response to consumer: Closed with explanation
Consumer complaint received 06/24/2015 about Credit card () with JPMORGAN CHASE & CO. (MA).
Issue: Transaction issue

Complaint: Ordered eye glasses from XXXX, supplied Doctors XXXX  Received glasses from Marvel but eye glasses did not match prescription.  Returned glasses for refund.  Marvel offers 365 day refund guarantee which they refused to honor so I disputed charge with Chase cardmember services.  Chase must be in conspiring with Marvel as Chase refused to honor the dispute, in violation of the Fair Credit Billing Act, and also refused to investigate the claim against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 recently discovered that  XXXX   XXXX  reported my account as a Charge off on my credit report when I was denied a loan by  XXXX   XXXX  due to the Charge off. I immediately contacted  XXXX   XXXX  by phone in an attempt to rectify the error. I was informed by the customer service representative that my last payment was received on    XXXX   XXXX   ,    2011  and that my account was reported as a Charge off on   XXXX   XXXX  ,  2011 . We both agreed that it did not make sense that my account would be reported as a  Charge  off 2 days AFTER my payment was received. At the time  XXXX   XXXX  reported my account as a  Charge  off, it was paid in full with a  XXXX  BALANCE. I have spent HOURS on the phone with numerous customer service representatives. The phone calls have been extremely frustrating and have not produced a positive outcome. Every representative has told me the same thing " due to the age of this account, they do not have account records and can not provide me with the information that I am requesting '', yet they refuse to remove the inaccurate information from my credit report. I was told that a Supervisors would call me back on  XXXX  separate occasions. To this day, I have not received a call back from a supervisor. I have sent numerous certified letters disputing the  Charge  off that is currently being reported on my credit report and negatively effecting my credit. I have asked for validation of my account including details explaining my why my account is being reported as a charge off with a   XXXX   balance. I have asked for them to send me a copy of my payment history along with account notes. The letters that I received in response to my letters have been a one paragraph response stating that " they only report accurate information to the credit bureaus ''.

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 11/23/2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: Balance transfer

Complaint: I requested a balance transfer of {$750.00} from my XXXX account to my American Express account, however, American Express posted the charge twice on my account but it only transferred once. I tried to get this resolved for a month now but they have not fixed the issue and have reported inaccurately to the credit bureaus.

Company response to consumer: Closed with explanation