milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/19/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (GA).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I had a private student loan with XXXX now known as navient. When I was struggling to repay my student loan due to unemployment with no income they gave me little room for referral or chances to pay the money back. They went after my consigned and negatively affected their credit score even while I was paying them as often as I could. They would not allow any kind of deferment due to hardship and when I was back on my feet they had already sent my account to collections with no warning to haggle my entire family. This has caused a lot of financial issues stemming from a loan to help further my education.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2018 about Vehicle loan or lease (Loan) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I setup auto pay via Citizens Bank website in XX/XX/XXXX ( or thought I did ) but evidently it did not activate immediately. I set this up in good faith but the first payment was late - XX/XX/XXXX - and is reported 30 days late on all three credit reports. Since the late payment Citizens can see I have auto-paid every month since then for almost 2 years. They are being completely unreasonable to a good customer who setup auto pay in good faith. Additionally, they should accept blame for having inadequate technology and/or other processes that setup auto-pay in a more timely manner. I have paid in good faith as agreed - if their technology was more contemporary this would not be a problem. 

Totally unreasonable and unfair. Punishing a customer who setup auto-pay in good faith. 

Others be warned Citizens Auto Finance has terrible technology and will blame you for any delays or incompetence. Further they will do nothing to work with you to remedy the problem. 

After further review ( this warning was not readily visible to me when I setup autopay ) Citizens Bank even tells their customers their technology - or whoever they outsource it to - is potentially unreliable with a warning on their website when you setup autopay. See below. 

If you go to the Citizens Bank website ( https : //www.citizensbank.comXXXX ) to setup autopay and click on " Setup Recurring Payments/Login '' you receive the following GLARING WARNING alerting customers to the potential unreliability of the website you will setup autopay on. Again this warning was nowhere to be found when I setup autopay. The warning from the Citizens website is below. 

" Please note : You are about to leave the Citizens Bank website. Citizens Bank is not responsible for, nor do we control, endorse, or guarantee the content, products, and/or services of the subsequent pages. The linked site may have a different privacy policy or provide less security than our website. We recommend that you review these policies on the linked site. Thank you. '' Citizens Bank admits to the unreliability of their own technology and then unfairly and unduly punishes their own customers for their system failures and shortcomings.

Pathetic! Incompetent!

Company response to consumer: Closed with explanation
Consumer complaint received 06/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DriveTime (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These inquiries are unauthorized. XXXX, XXXX, and XXXX does not want to investigate these inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: The credit bureau would not properly investigate the public records that are not mine according to the State of XXXX Department of Treasury and the XXXX County Court Clerk recorder, whom they did not verify any information with. It is against the FCRA to deem any public records as valid without contacting the source. The court stated that they do not verify any information with any of the credit bureaus. 
I sent the investigation in accordance with the Fair Credit Reporting Act, Section 1681i., and they refused to respond and have broken the law once again. All letters have been sent certified as documentation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-09-2017 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 mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via XXXX. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

Equifax has cost me several hours, money ( to freeze my credit with multiple bureaus and XXXX XXXX ) and will continue soaking my time and money to deal with paying for and unfreezing reports as necessary in the future. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Conn's, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: In XXXX 2014, we bought a TV from Conns XXXX with an offer of 0 % interest if we paid in 24 payments ( months ). We divided the total amount including insurance into equal payments which we automatically paid off in 6months ( XXXX 2014 ). A year later, we received a non-dated letter offering us an increase in credit line because of our " positive payment history ''. At the same time the letter shows a current balance of # XXXX. So we called the company to find out what was going on. The customer service agent said to ignore it if it did not have an account number. It was a way for them to market their products. Our deal with them was over a year ago. However, right after our call, their collection department started calling us and leaving urgent messages. We called again and they said we owe them {$24.00} insurance. We said we do not have the paperwork that is already old and for us paid off. We asked for a written correspondence with explanation of this amount. It has been 3 weeks since we asked for this and nothing came in the mail. 
Starting on XXXX XXXX their collection Department put our home number and a mobile phone on a 2 hour robocalls and we have been receiving those calls from about XXXX in the XXXX till XXXX in the XXXX. 
We attempted to block the numbers but they kept changing numbers. We are now at XXXX local numbers and XXXX XXXX number. 
We appreciate any help you can provide and advice for the next step to stop this merchant from harassing us. 
Respectfully.

Company response to consumer: Closed with monetary relief
Consumer complaint received 01/23/2017 about Mortgage (Conventional fixed mortgage) with CHEMICAL FINANCIAL CORPORATION (DC).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was transferred to Chemical Bank 3 months ago. Every month the bank has assessed me a late fee. I 've made my payment on time however the bank is not applying the funds to my account for several days, causing the late fee. The bank has waived the late fee each time I 've phone in. I 'm frustrated that I have to take my personal time to call the bank for a mistake they are making.

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 07/23/2016 about Credit card () with WELLS FARGO & COMPANY (NJ).
Issue: Other fee

Complaint: i know i will get a script back, nothing from Consumer protection it appears that no matter how badly a customer is treated they do and say nothing- this is third poss report on the same still unresolved issue and is truly illustrative of horrible customer serice, relations. and resolutions. so badly i am seriously reconsidering where to bank. on XXXX XXXX despite being told it would not be credited before i was informed my interest on my credit card would be refunded. on XXXX XXXX i called to confirm i was told YES. then on XXXX XXXX after i used the card ONCE on XXXX XXXX i asked about the foreign transaction fee said i was unaware this would be billed and why. at that time XXXX a SUPERVISOR told me all would be credited interest and foreign fee. Nothing has been credited despite these communications. now the answer i know i will get based on past experience is that the bank despite the time and money they spend fighting me will still not refund me. of course i was tricked into using the card XXXX XXXX which i would not have done .and only did based on being told i would be refunded. The number of emails, letters clearly exceed the time and cost of refunding me properly. clearly means customer is not valued. i do not need or want credit card agreement that is because i am not questioning it. i am a good customer and i deserve this esp in light of how this has been hndled. if its not refunded i will now take further action. no scripts needed in the answer no reiteration of how many times i was refunded. since for all those times. you have refunded deadbeats who are past due. just refund it like i was PROMISED do DAMAGE control and to consumer protection finance please publish this. banks need to spend more time getting to know customer than scripting them to death for months making promises they dont keep wasting my precious time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This Glitch that happened is not my problem that TransUnion had and not mine. As you can see this is a case of something TransUnion has done. This glitch caused my inquiries to be deleted and TransUnion later added all   XXXX   back to my credit report withing giving me without giving me a five day written notice as required by law.     TransUnion added  XXXX  inquiries to my credit report without notifying me at all. The   XXXX     inquiries TransUnion added are  XXXX ,  XXXX , and  XXXX . I have called TransUnion twice on the phone regarding this, and for them to remove these   XXXX   injuries that they illegally added on good faith. The first time I spoke  XXXX  from the United States on   XX/XX/XXXX   around   XXXX   XXXX   and was told that the inquiries are not part of the glitch that TransUnion had. That nothing can be done. On  XX/XX/XXXX  spoke to  XXXX  from the United States around   XXXX   XXXX    and  XXXX  told me I have to submit proof that these  XXXX  inquiries were illegal added. I told her I do not need to submit proof of something that TransUnion illegal added. I said that you did not notify me in any type of way, and I know you have to notify me within five days. That these accounts need to be removed. After that  XXXX  hung up on. Both of these representatives from the United States only gave me their first name, and I asked for last name, badge number, or something and I was told by  XXXX  that they are only allowed to give their first names.             These are the   XXXX   inquiries :   XXXX   -    XX/XX/XXXX      XXXX   -    XX/XX/XXXX     XXXX   -  XX/XX/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 07/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with First Data Corporation (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Someone is using my personal information to abuse my credit. My drivers license have been stolen, my social security card have been stolen. The spelling of my name is being used as XXXX XXXX XXXX, XXXX XXXX XXXX. Someone have a address in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX. I recently received a copy of my credit report from XXXX. The date of receipt was XX/XX/XXXX. The FBI told me to pull all of my tax transcripts, credit report. With the help of Consumer Financial Services Bearua I finally got my credit report to learn of this. I have no idea who live in Michigan. I have never lived there, nor have I ever visited there. An extended fraud alert had been placed on my credit report, without my permission. The expiration date on the report was XX/XX/XXXX. It was placed on the report XX/XX/XXXX. Checks was being ordered and written using my personal information. The banks I had accounts with are XXXX XXXX XXXX XXXX, some of the check numbers are XXXX {$700.00} - $ XXXX $ XXXX $ XXXX {$150.00}. XXXX $ XXXX $ XXXX {$25.00} XXXX $ XXXX $ XXXX {$10.00}. A check was created in my name on a department of labor check. The routing number is XXXX, check number XXXX {$260.00}. There are a series of inquiries on my credit report from XXXX. There was a periodic review of my credit history by one of my creditors per XXXX. Several rental car companies regarding debit card acceptance. My medical records are being used. Inquired are being made. My social security number have been blocked by the social security department to prevent continued abuse on line. This was done for my protection from whom ever this person/persons are. Checks have been written to pay XXXX XXXX XXXX /account number XXXX. Checks was being ordered and written for XXXX XXXX account number XXXX & XXXX XXXX account number XXXX. This loan was refinanced while I was under wage earner in XXXX. The wage earner case number I was discharged from in XXXX is XXXX. Originally filed XXXX XXXX. I paid the courts {$18000.00} in XXXX from a settlement I received from a medical malpractice law sue I filed in XXXX. My former employer XXXX XXXX XXXX XXXX amended and restated all of my tax returns and made themselves my conservator. The XXXX Family began to prepare my death.

Company response to consumer: Closed with explanation
Consumer complaint received 08-01-2015 about Credit reporting () with Experian Information Solutions Inc. (NV).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around [ XXXX/XXXX/2015 ]. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On [ XXXX/XXXX/15 ] I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX ( XXXX ) XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/21/2018 about Debt collection (Medical debt) with State Collection Service, Inc. (IL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I wrote and sent a Certified Letter with Read Receipt for debt validation to State Collection Service on XX/XX/XXXX at STATE COLLECTION SERVICE XXXX XXXX  XXXX XXXX, WI XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I have requested that STATE COLLECTION SERVICE provide me with complete documentation to verify that I owe said debt and have any legal obligation to pay them. I have not received a satisfactory response within the 30 day period for Debt Validation. ( 15 USC 1692g Sec. 809 ( b ) ). I asked for the following : 1 ) Agreement with the creditor that authorizes State Collection Service to collect on the alleged debt. 2 ) The agreement bearing my signature stating that I have agreed to assume the debt. 3 ) Valid copies of the debt agreement stating the amount of the debt and interest charges. Accounting of all charges is required. 4 ) Proof that the Statute of limitations has not expired. 5 ) Complete payment history on this account along with an accounting of all additional charges. 6 ) Show me that they are licensed to collect in my state ; and their license numbers and Registered Agent. 

On XX/XX/XXXX I sent a second Certified Letter with Read Receipt for debt validation to State Collection Service at STATE COLLECTION SERVICE PO BOX XXXX XXXX, WI XXXX. The communication I received both times as shown in the attached documentation they have provided myself - did not meet FDCPA requirements. 

The documentation provided by STATE COLLECTION SERVICE does not provide : There is no Chain of Title provided that in fact evidences Standing. 

The assignment, whereas, the assignment refers to the contract between original creditor and credit  collection agency, is to be established by a written contract of assignment, which can be established through multiple documents that are incorporated by reference into the contract of assignment. The contract of assignment, however, must contain the information required by the Illinois Collection Agency Act ( ACC ) including the date of assignment, the consideration paid, interest, charges, and all accounting of the matter and the identifying information for the account. 

Illinois Collection Agency Act Section 8 ( b ) ( 225 ILCS 425/8b ) Debt Collection Agency added to this Actrequires written agreement evidencing assignment of debt, recording of assignments.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AMERICAN EXPRESS COMPANY (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Both myself and my husband are victims of IRS FRAUD, MORTGAGE FRAUD, PRONZY SCAMS FROM HARD MONEY LOANS, MORTGAGE FRAUD and CREDIT FRAUD. We were unaware of any of this taking place which apparently stated in XXXX. Our attorney and tax consultant instructed us to ensure we have secured property deeds, We revealed an embezzlement ring which, appear to include high ranking individuals. Due to security issues I will not release this information. We have attorney 's involved. As we continued to reviewed are credit bureau we later discovered fraud charges on our credit cards and bank accounts.It appears particular individuals directed the heads of particular companies to ensure we loose everything we have worked for. I testified for a XXXX XXXX XXXX client who was severely XXXX both on a local and national level and the state of Georgia Retaliated against my agency. The vandalism to my home, thefts to include death threats still continue. The attorney hired by the agency sold me out to cover others. My XXXX number was taken and THEY HAD THE AUDACITY TO RELATE IT TO FRAUD BECAUSE I would n't agree to the COUNTER SETTLEMENT. I WILL FIGHT UNTIL EVERY PERSON INVOLVED IS CONVICTED!

Company response to consumer: Closed with explanation
Consumer complaint received 07/20/2017 about Debt collection (I do not know) with Penn Credit Corporation (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Is not mine gave them PROOF of adress at the time had my apartment lease and send it to them. Call them about the account was open and told them it was not mine the Representative ask for my info to put a complaining and after I gave her my info she said that os your account and I 'm going to fill out all the missing info In your account when I told her o already has services in reall adress how can o possible be living at 2 different adress at the same time and they hang the phone. O fild different forms and claims and no luck removing alot of things someone did when my identity was stolen. The collection agency is penn credit in XXXX PA AND THE COMPANY IS XXXX Penn credit keeps harassing me calling me at all times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (LA).
Issue: Account opening, closing, or management

Complaint: Tried to apply for a bank account with chase and was turned down because of an old paid balance of 50 something dollars find this action has affected my personal well being and want this issue resolved and an account open not just an access account but a regular checking account which i am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 01/22/2017 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: bankruptcy showing incomplete information not showing all lenders, not showing discharge date, not showing attorneys name an address

Company response to consumer: Closed with explanation