milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-08-2016 about Student loan (Federal student loan servicing) with Performant Financial Corporation (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: I was given a student loan by XXXX XXXX. The school was a XXXX part institution. I completed the first session, but I never returned for the second session and never signed for the XXXX promissory note. Since, I was paying on the loan and had already disputed payment of the second loan. XXXX XXXX removed the second loan initially, but the school went out of business and changed their name. The new named school sought after me for payment of the second loan. I have disputed this issue time and time again to no avail. I have since started a debt forgiveness program with one of their creditors but I really feel like I do n't owe as much as they 're asking. They had me to contact the original lender which turned out to be a circle of phone calls to automated systems that landed me right back to the collection agency. I admit to owing the first loan and have been making payments for years. I need help with what I really owe and how to go about finding out how much that actually is. I asked the collection agency and they could only produce one promissory note, but told me that the loans were consolidated and that they could not seperate them. What can I do?

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 07/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: TransUnion had  XXXX  separate glitches and my inquiries were deleted and then re-added to your report once the glitch was discovered. I 'm well aware of your legal rights and legal protections and that they failed to notify me in writing 5 days prior to re-adding the inquiries to my report that they were intending to do so. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. These inquiries add a hardship and that my rights were violated by TransUnion. CFPB help me make TransUnion stop victimizing 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 02-08-2017 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint: Sent CEASE AND DESIST letters and reiterated on a taped telephone call demanding ECMC cease and desist. I Filed Chapter XXXX Bankruptcy which has been discharged. ECMC 's representatives harass me on a daily basis. Calling from various numbers multiple times throughout the day, outside collection hours, and they have contacted XXXX parties regarding this issue.

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 03/26/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: Enhances recover company XXXX XXXX FL, XXXX Account # XXXX This company has been informed on several occasions that the account that they 're attempting to collect on was included in my bankruptcy. After supplying them with proof of my bankruptcy the collection attempts continues. They are making it very difficult to obtain credit with the inaccurate information they 're reporting to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 01-01-2018 about Student loan (Private student loan) with Navient Solutions, LLC. (PA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: XX/XX/XXXX-XX/XX/XXXX ( XXXX university ) & XX/XX/XXXX-XX/XX/XXXX ( XXXX University ) Loans have been transferred several times to different servicing company. Loan amount continue to get higher, currently {$150000.00}! 

Navient processing are the loan services right now and fail to communicate with me in a manner that I understand.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Credit card () with JPMORGAN CHASE & CO. (NV).
Issue: Billing disputes

Complaint: Chase XXXX XXXX card has fraudulent, deceptive, abusive, and obstructive dispute process for incorrect charges on credit card. 
1. It takes great effort to even find out where on pathetic website you can file a dispute. It is hidden under 'messages ' somewhere. 
2. After typing dispute, when clicking 'submit ', the web page, says " you have been signed out of your account '' rather than stating the dispute has been accepted. This is their way of blocking you from filing a dispute for a charge. 
3. It takes hours speaking to some high school drop out to dispute a charge by phone. 
4. Chase fraudulently removed credit for a disputed charge, 'the protection group ', despite that Chase never asked me for any documentation to corroborate that 'the protection group ' was billing me for services they never rendered. 
5. Again, there is a dispute with XXXX ' and after 30 minuntes finding and writing a dispute, the website says " you 've been signed out '' rather than accepting the dispute. The website is set to automatically sign you out of account instead of accepting any disputes. This constitutes consumer fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I have disputed to Transunion about wrong information in my credit report, But I did n't receive feedback from 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 03-07-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: In XXXX, I defaulted on a credit card with XXXX XXXX. I was out of work and unable to make payments. The account was sold to XXXX XXXX and I was able to bring the account current. in XXXX and make payments, when I could. In XXXX XXXX, I was advised by a representative at XXXX that if I paid a settled amount, they would do a pay for deletion. They advised me that once payment was recieved, they would clear my credit bureau of the collections as well as contact the original creditor, XXXX XXXX, and have my credit history corrected. I made the payment and was advised that in 30 days, the update and deletion of my negative information would reflect on my credit bureau. As of today, it has not. I have made numerous calls to XXXX and everyone there states they will not be removing the negative information. They " apologized '' for the misinformation from the representative that advised me of this. I have also contacted XXXX XXXX and they have advised they were never advised of this practice that XXXX lied to me about. I have disputed with all XXXX bureaus and XXXX will not removed. I have also sent numerous letters to them and either I get no response or a letter stating that the information will not be updated. I feel as though XXXX lied to me in order for me to pay off a balance in full.

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 04-06-2015 about Credit reporting () with Experian Information Solutions Inc. (OK).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Experian refuses to delete an account that was supposed to be deleted in XXXX 2015. I have disputed and provided them their own records and they still wont delete it. Attached is proof from my XXXX report and how the info changed on my XXXX report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/19/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (HI).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have tried to have unauthorized inquiries and those inquiries not attached to open accounts removed from  XXXX ,  XXXX  and Experian to no avail. I have disputed on  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  &  XX/XX/XXXX  with Experia,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  &  XX/XX/XXXX  with  XXXX  and  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  with  XXXX . I 'm either told that they are validated or that I must contact the company. Some of the companies have sent me back to the CRA 's and therefore I am stuck with inquiries that I have not authorized for cars, cell phones etc on my reports. I should only have those linked to my background checks and  XXXX   XXXX  accounts for increases etc.

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 10-01-2015 about Consumer Loan (Installment loan) with CITIBANK, N.A. (CA).
Issue: Managing the loan or lease

Complaint: I have a loan with a loan company named One Main Financial. I have been paying this loan for about 3 years, since the interest rate is so high I am only reaching the halfway point of the loan amount. I want to do a balance transfer to lower my interest rate so I can pay the loan off faster ; however, when I called the loan company to complete the balance transfer they did not allow me to complete it. I believe that they are not allowing me to complete the balance transfer so they can keep me at high interest rate. I have paid them about XXXX in the time since I got the loan. The amount I already have paid is more than what the original amount of the loan was, and i still have a balance of over {$1600.00}, and my current interest rate is not printed on my monthly statement. I feel this company is being unethical because i am trying to help my situation to get out of out debt by lowering my interest rate and they do not allow me to a credit card balance transfer that would allow me to pay it at a 0 % interest rate.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Payday loan () with Green Trust Cash, LLC (OK).
Issue: Can't stop charges to bank account

Complaint: I took out payday loans when my husband was n't working ( a 15 month period ) so that we would not have to pay car payments, housing, or utilities late. Since then the interest has eaten us alive where we ca n't pay them off. We 've had to pay them off and renew multiple times and now I have found out they are n't even licensed in Oklahoma. They withdraw the funds from XXXX and I am having to close my account. I was told to file a complaint since they are n't licensed to do business in Oklahoma. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2016 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. ().
Issue: Account opening, closing, or management

Complaint: I live overseas, and I 've been dealing with JP Morgan Chase, who closed an account overdrawn and due for a refund, which they would not process from a vendor due to microtransaction withdrawals being denied. They then proceeded to close my account after 60 days as " charged off '', even though I received confirmation from the vendor the refund went through, meaning I had a positive balance of US {$310.00} in my account. Chase refuses to re-open the account, nor will they mail me a check for the balance owed. I 'm currently living overseas, spent over an hour on the phone with their Deposit Account Recovery Team, who said they are unable to help any further and referred me back to Customer Service, who repeatedly tell me to contact the Deposit Account Recovery Team, despite my continual reminder of their inability to serve my needs. They 've trapped me in a loop of referrals in which no one will serve the complaint, and they owe me money, while continually charging me fees and interest on my credit balance, which has accrued by over {$200.00} since the issue began.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (PA).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I went to college in   XXXX   for 3 months and was charged over {$15000.00}. I am now  XXXX  and will neverbe able to work again. {$15000.00} is an extremely HIGH amount to be charged for 3 months especially since I returned absolutely everything to the school when I became  XXXX . Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NE).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted XXXX to find out more details about a car loan that was originated in my name over 2 years ago. After being provided with the details of the loan I was able to recognize I did not authorize the account and able to identify the family member who was likely to have originated the loan because I know the car is in their possession, I just never knew the car I 'd seen them with was in my name. I alerted XXXX that the account was originated with fraudulent means and rather than remove the information from my credit reports, the company declined my offer of exchanging the vehicle 's location for the removal of negative information.

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 10-12-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I XXXX XXXX I am a victim of Identity theft for quiet sometime. I got a report and I saw some unusual activities in my account. 

a. Someone tried to use a credit card online in the middle of the night about few months ago. 

b. Today I received a notification showing that someone trying to open another account at XXXX XXXX 

c. Most of the Inquiries reflected on my credit report were not done by me. 

I found out all of the three credit bureaus were hack by hackers and therefore i believe am one of these victim of Identity Theft. 

I believe someone got access of my personal information without my consent. Please advise what you recommend to do in my situation. 

For now, I wish of you to remove any inquiries including within this month of XXXX 2017, As soon as possible or within 30 days of this notice because I have not applied for any credit cards or store credit including this month of XXXX 2017. 



If you have any questions, please let me know. 



XXXX XXXX XXXX One of the people of the california --

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04-07-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (MD).
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 had my credit scores report pulled and there is a 55 point difference between what experian is reporting as my credit score ( XXXX ) and what XXXX  and XXXX are reporting ( XXXX respectively ).  I called experian and a representative was unable to help process a dispute against the score reporting. Which seems excessive in terms of fair reporting. This difference seems extremely odd. I have reviewed all three reports and the same details/accounts are listed. With minor variations, however, not enough to cause a significant difference. 

When the sum of these scores are used for things like a home mortgage a significant difference like that can be irreparably damaging.

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 02/13/2017 about Credit reporting () with Westlake Services, LLC (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: i purchased my wife 's ring from XXXX on XX/XX/2011 the financing was done through westlake financial services and the billing was serviced through XXXX XXXX, the ring was paid off, the loan amount was {$5000.00} with financing and charges i paid a total of {$7200.00} if not more. westlake financial and XXXX XXXX both used my credit report to determine financing for this piece of jewelry, WESTLAKE FINANCIAL NEVER PUT THIS FINANCING ON MY CREDIT AND DUE TO THIS ERROR NOW MY CREDIT REPORT IS NOT REFLECTING THIS PURCHASE OR FINANCING WHICH IS MY RIGHT, WESTLAKE HAS BEEN UNTRUTHFUL ABOUT THIS AND HAS MADE CHANGES IN GOOD FAITH AND AS REQUIRED BY FDIC. THEREFORE WESTLAKE HAS VICTIMIZED ME AND MY FAMILY AND DECEIVED ME IN XX/XX/2011 WHEN I AGREED TO THE PURCHASE THEY WERE NOT HONEST ON THEIR PART AND REPORTED THIS FINANCING ON MY CREDIT REPORT, I NEED WESTLAKE FINANCIAL TO REPORT THIS FINANCING XXXX MAJOR CREDIT BUREAUS ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Debt collection (Other debt) with ProCollect, Inc (GA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This collection company know very well this account is not my account ; however, and this account is fraudulent, or someone working at a credit bureau. However, it didnt matter to them because it is vengeance, and revenge against me for filing a complaint before, and letting other consumers know the fact. They are disturbed at me, and worried about saving their brand, and not helping the consumer. 
They are strongly aware that nothing will happen to them since they believe they are too big to fail. I am forwarding this complaint to XXXX XXXX, and seeking her help to stop this criminalizing against consumers. 
I am filing this again because they admonished, and castigated me for filing an earlier complaint. Pro Collect, and these bureaus are mafias and gutless wonders! Why would they put these negative accounts on my credit file that doesnt belong to me, except mere retribution? I faxed my credit report, two police reports, and F.T.C. fraud affidavit to XXXX XXXX for protection. 
They are too stubborn and too crooked to satisfy the consumer. They are too concerned about these credit bureaus, and this companys brand at the expense of consumers. This is very sad, and they must punish.

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 02/27/2017 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (OK).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Ex boyfriend used my rewards card and never paid me back.

Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
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: For my XXXX XXXX credit card, I did not get 2 months of e-statements. In additionally, I attempted to make an online payment but the payment did not process. I was not notified that the account was past due as courtesy and since payments are made on time. XXXX refunded the late fee ( see attached ) but would remove the negative reporting of past due 30 days to all 3 credit bureaus. 

I had to call to get my account summary to updated to show payment reflected on my account ( see attached ). I made the payment on XXXX and had to call XXXX on XXXX to ask why my account summary is showing only XXXX available credit when the entire balance was paid off on XXXX of XXXX. I think XXXX is having online technical issues and its negatively impacting customers accounts. XXXX is not being transparent to customers and would prefer to allow false reporting be sent to the credit bureaus. XXXX said payment had to be released and I had to call. When I made the payment online it did state for me to call back or was I notified of the hold. And the payment taken from my bank account on XXXX/XXXX/XXXX and its showing in the recent transaction section payment made on XXXX/XXXX/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 01/20/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage company sent me a payment change letter with very contradictory information. The interest rate is increasing, however the payment is not. The amount amortizing for the balance is changing as is the interest, but the payment is not. Then the letter says that " the interest rate can change each time by no more than 99.99999 %. '' Additionally, the letter says that the payment as shown will cause the loan to be negative amortizing. I have received this type of letter before from the lender-OCWEN and asked them about the information and to provide an amortization schedule-to no avail. Their system is most likely not in compliance with federal regulations regarding the notice of payment change. Please review the letter attached and provide some clarification as this is a formal complaint.

Company response to consumer: Closed with explanation