milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with NAVY FEDERAL CREDIT UNION (IL).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/X/17 I went to the XXXX XXXX XXXX ( XXXX IL ) to get eyelash extension. However, services were rendered but everything that was requested was n't done. XXXX install the lashes. I specifically asked for XXXX lashes. She put XXXX lashes on me. I immediately told them I was unhappy and I wanted them removed. They sent me to another Stylist to replace them with XXXX. The next stylist stated that if she was to remove the lashes, by them being newly installed it would remove my real lashes. At that point, I requested a full refund and I was told that they 'll have the district manager to call me. I left to go to my grandmother 's viewing for her XXXX. The district manager XXXX called me and stated that she 'll be willing to give me a full refund. As long as I come back for them to remove their product. Keep in mind stayed there for 4 hours to leave disappointed. The 2nd stylist stated that the new lashes are too new to remove it would pull my real lashes off is why I did n't go back. I felt like I was racially profiled and that was the reason I refused to step foot back in that place. 

Gave Navy Federal my credit card company all this information and they refused to give me my money back after my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-09-2018 about Mortgage (Conventional home mortgage) with RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA).
Issue: Trouble during payment process

Complaint: Rushmore opened an escrow account for an insurance that we paid in full on XX/XX/XXXX. Called and spoke with 5 different agents who guaranteed the fraudulent escrow account will be closed and the money will be added to the principle. This has been lingering for over 5 months and each month I call they promise the same and nothing is happening they are taking more money that they are supposed to my loan and still adding the money in an illegal escrow account. Lastly XXXX from escalation team and XXXX a call center supervisor mentioned they are working on it. NO resolution same invalid promises to be fixed and they keep depositing more money from my checking to an escrow account. 
Last contact was XX/XX/XXXX at XXXX PST and nothing is resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, 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 've disptued this with all 3 bureaus already, twice each and not only does this still report exactly the same, but I am not receiving the proof of their alleged investigations. First of all, there shoud n't even be an investigation - these are blatantly obvious errors and second, I asked for these to be removed due to the knowledge that these would be veriifed. See my disputes below : XXXX XXXX balance : XXXX and XXXX $ XXXX/Equifax {$20000.00} ; late payments : alleged late on XX/XX/XXXX is reported as paid as agreed on with XXXX, which is correct I was never late XXXX XXXX XXXX has me listed as currently 60 days late on both of these accounts - # 1 I was never late on this account and # 2 I can not be currently 60 days late on a paid off account that was always paid on time account! They have not updated this account since XX/XX/XXXX on the first and XX/XX/XXXX on the 2nd! If I was in fact late on these accounts, they would have continued to be late instead of showing a late payment status on a closed and paid account! These can not possibly report on my credit file any longer considering the fact that ( once again ) I was never late and I can not be late on accounts that have not been updated for 1-2 years! XXXX XXXX XXXX I paid on time XX/XX/XXXX and XX/XX/XXXX and all 3 bureaus are reporting that I was late without any proof

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Ad Astra Recovery Services Inc (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: inaccurate information put on my credit report i have sent over the police report that this is not my violation of hippa and cra

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NJ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I have tried to dispute the chase account on my Experian credit report and they have not taken it off my credit report when this account has already been determined by the FTC and a few other federal investigation bureaus as a fraudulent account. I don't understand why experian is taking this long nor do I understand why they have not erased it. However my other two credit reporting bureaus have already taken it off and blocked it.

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 05-12-2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (SC).
Issue: Managing the loan or lease

Complaint: In XX/XX/XXXX the circumstances at the time, I had to trade cars. The dealer got my loan with Santander. the payments and interest were high but at do the time I could not do anything else. I have paid my payments but most of the money is going to interest. My son co-signed for me, but in XX/XX/XXXX, he had to file bankruptsy Somehow my car was in the middle of this and was told more than one thing. at first I was told my care was included, then it was n't, but Santander would not tell me anything about my loan, did not get statements, etc. I was to just make my payments to them. XX/XX/XXXX I made over {$2000.00} to get the payments caught up from where I was told I my care was part in bankruptsy. Santander took {$130.00} {$1300.00}. for interest. Now I just got a letter saying I need {$3400.00}. or they will get my car. I asked for a printout of my account, which they did not want to do, but finally did. That is when I saw that I owe more now than I I did a year ago. I do n't have {$3400.00} to give them by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/16/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (MA).
Issue: Other service issues

Complaint: PayPal limited my account. They claimed I 'violated their user agreement ' -- but would not tell me how I did so. I 'm not aware of any violation. I have {$600.00} in the account and PayPal will not release it for XXXX days -- saying that they need to hold on to the money in case of 'charge backs '. But I have no pending transactions and I 've not sold anything using PayPal for months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/28/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Harris & Harris, Ltd. (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: I received a call at XXXX from Harris and Harris, regarding a debt for unpaid tolls. The amount of unpaid tolls is less than {$100.00}, yet they are pursuing me for {$2000.00}, which is ridiculous. The tolls are from around six months ago. 
During this call, the agent told me that it was a municipal debt and it was a crime and that I could go to jail. It is my understanding that they can not suggest that I could go to jail, nor can they misrepresent the debt. 
In addition, I am currently legally XXXX and get only {$730.00} a month, which goes all to rent. I eat at the food pantry. It is also my understanding that they can not pursue you if you make under a certain amount. An amount of which I am sure I make less than. 
Can you please assist me in this matter, because I do not wish to get any more threatening calls from them? 

Thank you very much for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Checking or savings account (Checking account) with CITIBANK, N.A. (NJ).
Issue: Closing an account
Sub-issue: Company closed your account

Complaint: Applied for a CitibPriority account and was approved over the phone. I subsequently provided evidence of signiture and they, without prior warning, closed my account. This happened while applying under a mailed ad for American Advantage miles which the bank clearly didnt intend to grant.

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 12/19/2017 about Mortgage (Conventional home mortgage) with PLANET HOME LENDING, LLC (GA).
Issue: Struggling to pay mortgage

Complaint: I purchased my home XX/XX/XXXX from XXXX XXXX XXXX, and its been conveyed over to various companies. The current company XXXX XXXX is using a fraudulent assignment to claim standing to be able to foreclosure on my property. 
Planet home refused the restructure my loan to a fair market value. I completed dispute the amount XXXX XXXX XXXX is stating I owe.I revoke the POWER OF ATTORNEY XXXX XXXX is using to foreclosure on my property in XXXX Co Real Estate Division of Superior Court XX/XX/XXXX BOOK XXXX Page 64. I do not give XXXX XXXX Power of Atty to foreclose on my house. I gave XXXX XXXX XXXX rights in XX/XX/XXXX and the are no longer doing business in Georgia. I did n't authorize the transfer of the Power of Atty. I Dispute the debt Planet Home is claiming I owe to them I have no contract with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2016 about Debt collection (I do not know) with WAKEFIELD & ASSOCIATES, INC. (MS).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX is misrepresting itself by continuing attempts to collect a debt I do not owe. They have now changed their name on my credit report to Wakefield & Assoc. XXXX XXXX which is the same address as XXXX. XXXX. deleted this fraudulent collection account on XX/XX/2016 and the same day the affiliate Wakefield was on my report about the same account that was verified by XXXX that is not mine which is why XXXX rec deleted themselves from my report. This is false, disceptive, and misleading practices by these companies. That 's why I contacting CFPB, the FTC, the states attorney general and the better business bureau to inform them of this unfair practice by XXXX. and Wakefield & assoc. from XXXX, TN. Revenue added this on my credit report XX/XX/2016 and it was removed because no such debt exist, then XX/XX/2016 this {$240.00} amount was added back. I disputed again and it was removed again and now XX/XX/2016 their affiliate Wakefield is attempting to collect on a false debt they know does not exist. I need these companies to be held accountable for their false practice and I want other consumers to be aware of unfair practices such as this so they will not be a victim of bullying by a debt collector such as XXXX. and Wakefield and Assoc. I want this company to stop harassing me and trying to collect on a debt that does not exist and to accept that and stop trying to be vindictive in ruining an innocent consumers credit.

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 10-09-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MT).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I received my degree as a non-traditional student because I thought it would help me find a better job. When I received my first repayment information, I still had not secured employment that would allow me to repay the loans. I put the loans in forebearance, I believe this was through XXXX. At some point the loans were transferred to FedLoan Servicing. I later found out that if I made 120 payments, adjusted based on income, and applied. My loans qualified and I started this program. Then, about six months ago, I was told by a customer service person that it would be better to consolidate the loans, so I did just that. I received a letter dated XXXX XXXX, 2017, showing that I had a payment due. It also showed that I had no PSLF qualifying payments. I called to find out why my payment was so high and why the letter stated I had no qualifying payments, even though I had three years of qualifying payments. I was told that I lost all previous qualifying payments because the loans were consolidated! I am trying to get qualified again, but I dont know where else to go because FedLoan Servicing has mishandled my student loans. It is not right that they would talk me into consolidating my loans without mentioning that I would lose the three years of qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (MD).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: On or about Transworld Systems and XXXX XXXX XXXX are collecting on the same debt that I do not owe and have requested information on several occasions. I have never been provided with supporting information for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02-09-2018 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint: Date of Issue - XX/XX/2018 Ally Bank is using a credit reporting agency ( XXXX , XXXX ) that is providing inaccurate information about consumers credit history and causing Ally Bank to deny credit to consumers based on bad or inaccurate information. 

There are numerous reports online about XXXX, XXXX providing inaccurate information on them, and also many complaints specifically siting Ally Bank as the company that is using XXXX , XXXX for services. Many are stating that credit scores from XXXX are significantly lower than from XXXX of the big three agencies. And many complaints mention receiving denial letters specifically from Ally Bank, like myself. This is infuriating people! 

I have what is considered excellent credit and I protect it well. As a result, I have my and my wife credit on freeze with the big three credit bureaus ( XXXX, XXXX, and XXXX ). We took these steps because in today 's age, no one can keep our information safe from criminals and this step had to be taken. 

Why is a company like Ally Bank using a company like XXXX , XXXX when it appears they can NOT provide accurate information on consumers credit? Why? 

I called Ally Bank and tried to talk to someone and explain what happened and I got no where, so here I am writing this formal complaint against Ally Bank to this agency. 

To make matters worse, I am a current Ally Bank car loan customer who is two payments away from paying off a car loan with them and have always paid on time every month. So Ally is XXXX off their existing customers. Again - I HAVE OUTSTANDING CREDIT, and yet I receive a denial letter from Ally Bank making me think there is a serious problem, when really the ONLY problem is a company they are choosing to use, and Ally themselves. I will never again authorize any car dealer, or other institution to use Ally Bank again on my behalf, and I want a written apology letter from Ally Bank about this letter of denial I received. Shouldn't Ally Bank try to be a professional and reputable company and only use institutions that can provide accurate information about valuable customers and consumers? Is this too much to ask?

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 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (VA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: When we heard that Equifax was hacked into we were told to go online and request protection. I did that. Now Equifax has gone into my account and it 's a hard inquiry. If I had known this would be a hard inquiry, because hard inquiry brings your score down, I would have never allowed them to enter my credit report. I think it 's unfair and consumers should have been told that what this means is that there will be a hard inquiry into to your accounts. I would have not allowed this to happen. By not stating communicating what this would do is misinforming consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2015 about Mortgage (Home equity loan or line of credit) with ROYAL UNITED MORTGAGE LLC (TX).
Issue: Application, originator, mortgage broker

Complaint: I applied online for a HARP loan and received a phone call from ( RUM ) Royal United Mortgage. 
After verifying my credit score, mortgage payment history, and income, XXXX XXXX XXXX informed me that Royal United Mortgage would finance my mortgage which is at 6.99 % to 4.3 % in less than 30 days. I was told that certain debits would be paid with the cash advance, and I would not need to make a mortgage payment until XXXX, 2015. After electronically signing what I thought was my loan agreement, I was told I needed to pay $ # {$390.00} for an appraisal. After the payment of the appraisal cleared my bank Royal united Mortgage stated they could not do the loan. I DONOT believe RUM had any plans of refinancing my mortgage. I searched on line for complaints against this company and found many, many other consumers complaining about being denied after paying for an appraisal. I sent an email requesting a RUM return my {$390.00} and that I was filing FRAUD against them with my bank. 
How can this company prey on consumers like this. I am a retired senior and {$390.00} is a lot of money for me. 
XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with CNG FINANCIAL CORPORATION (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: I received a call from XXXX stating I needed to be at home within an hour to sign court documents and if I was not at home they would go to my place of employment. I spoke to XXXX XXXX who said I need to contact him before XXXX Pacific Time to provide them with my debit card if not they would proceed with criminal charges on an installment loan from Check N Go from about 4 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 06/27/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: XXXX XXXX me into around {$45000.00} in student loans, and now i have debt with high monthly payments and no work in my field of study. I have worked paycheck to paycheck since i graduated XXXX 2011, and still have zero luck in finding a decent job. i somehow managed to pay $ XXXX- {$18000.00}, but i also worked side jobs to manage my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2016 about Debt collection (Payday loan) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Over the past few months, I have reviewed my credit reports and notice XXXX entries on them from Ad Astra Recovery. I have reached out to them several times demanding documentation ( application, proof of identity, signature pages, etc ... ). No documentation has been received, but yet the entries are still on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 03/28/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. (CA).
Issue: Deposits and withdrawals

Complaint: Fraudulent activity of my checking. XXXX checks written fraudently and XXXX wire transfer for almost {$200000.00}. Reported to chase bank. Sign affidavit. Was told that the checks were obvious forgery. I have the supposed checks used at my house unused. All monies were sent to a gold dealer. Have no received any communication. Chase overdrafted and approve monies from savings to checking. No red flag was issued. I was out of the country when this happened. My online access was blocked since XX/XX/2015 and I stop receiving statements as of XX/XX/2015. Called in XX/XX/XXXX and found out the balance of my account and that 's when we became aware of the fraudulent activity. Chase is now refusing to reimburse my monies. When I was assured my monies would be reimbursed within 10 days

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with PCR Group (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have pulled my credit report and  Account Adjustment Bureau is reporting infor  mation  on all  XXXX  major bureaus and is not bonded in the  State  of Texas to collect a debt. I have contacted them in hopes to resolve the issue by removing the negative information from my credit file. They refused and I advised that they are not bonded to do business in Texas. The representative advised they did not need to be and ended the call.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07-02-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I do n't know why these are on my credit score. 
These are n't my debts

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation