milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/28/2017 about Payday loan () with Big Picture Loans, LLC (IL).
Issue: Can't stop charges to bank account

Complaint: On XXXX/XXXX/17, I received an email notification from Big Picture Loans reminding me of a loan payment due on XXXX/XXXX/17. I contacted their Customer Service Number on XXXX/XXXX/17 requesting to delay my loan payment until XXXX/XXXX/17, as my Employer changed my Payroll Schedule from Semi-Monthly to Bi-Weekly, effective XXXX/XXXX/17. When I initially stated this to the Customer Service Representative, before she could give me a response, she insisted she could n't even address this issue until I first request my Social Security Number ( Mind you, I had given the Customer Service Representative my Loan Number, and she stated { As the phone call was recorded } she pulled up my account ; BUT, as part of Big Picture Loans Verification Process, she would need my SSN ). After going back and forth, I reluctantly acquiesced ; and she then tells me she ca n't extend my loan payment date.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Debt collection (I do not know) with Southern Financial Systems, Inc. (LA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: After viewing my credit report, I noticed a collection account placed on my credit report by Southern Financial Systems , IncXXXX for the amount of {$880.00}. On XXXX XXXX I mailed a debt validation letter to Southern Financial Systems , Inc. via certified mail requesting them to provide proof that the alleged debt is mine. The letter was signed for by a XXXX XXXX on XXXX XXXX. It is now XXXX XXXX, XXXX and I have yet to receive a response form this company. I have never received a bill or any documents from this company.

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 07-03-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (AZ).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In XX/XX/XXXX I consolidated all my student loans with the Department of Education including loans with XXXX  XXXX/XXXX XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX stating that, " Your obligation to repay the loan ( s ) satisfied. '' It further states, " Any inquires concerning consolidation loan ( s ) should be directed to the US Department of Education. '' Nine month later in XX/XX/XXXX, I started to receive bills again from XXXX XXXX. I have spent the last 10 trying to figure out what has happened. My account bounces from collection agency to collection agency and I try to explain what has happened and show them the paper work saying my loans were consolidated. They either ignore the evidence or they disappear and a few months later I get another letter from a different collection agency. I have filled out appeal after appeal and they have all been ignored. My tax return has been taken for approximately the last eight years. Again, I file appeals and they get ignored. Recently, I received two different letters from two different collection agencies dated XX/XX/XXXX and XX/XX/XXXX, both trying to collect this loan. Even if I did owe the money, at this point, I would n't even know who to deal with when multiple companies are trying to collect. I am a single mother and a XXXX. My income is very low and I ca n't afford to hire a lawyer and do n't know where to go to file a complaint or get answers. All the collection agencies that I have dealt with do n't care about what I have to say regarding any consolidation. They just know what they got from XXXX XXXX/XXXX XXXX and just want to collect. If I try to contact XXXX XXXX/XXXX XXXX they wo n't talk to me about it. They always refer me to the collection agencies. I am at loss as to what to do. I still have my loan with the Department of Education and it is currently in good standing and in a forbearance. I do n't know who to turn to and I 'm tired of being threatened with wage garnishments. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: PLEASE NOTE : THIS IS NOT A DUPLICATE COMPLAINT****** Per Trans Union explanation of closure to remove/delete XXXX original Creditor XXXX XXXX this was included in this complaint and part of resolution this account was removed. I called Trans Union and talked to supervisor XXXX XXXX which informed me the XXXX XXXX XXXX was still on my credit report and not XXXX. This confusion which the supervisor XXXX XXXX refused to understand this is the same account and told me that I must follow the same again procedure of filing a dispute or contact the in creditor in writing to get XXXX for XXXX XXXX XXXX for XXXX to delete this dispute. I repeatedly gave XXXX XXXX XXXX the CFPB case number XXXX and tried to explain that XXXX XXXX XXXX XXXX was the same account on my complaint with CFPB. Sadly, to say XXXX XXXX XXXX still did not understand, yet assisted I follow his procedure by writing to creditor and filing another dispute. Supervisor XXXX XXXX XXXX ignore and refused to investigate my CFPB case ( XXXX ) where this matter could have simply resolved. However, supervisor XXXX XXXX XXXX admit that he is aware of the CFPB complaint, but took no action to investigate my complaint. Therefore, Trans Union did not honor their response to resolve this dispute. I would like for Higher Management to investigate this matter and please remove this error from my credit report and send hard copy of my credit report with the correction. 
Please see attachment Trans Union docx. ( XXXX ) Thank You 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 non-monetary relief
Consumer complaint received 11-09-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: A couple years after XXXX I noticed a XXXX XXXX ( now ) XXXX loan on my credit report that i never signed for. In the last 5 months I 've disputed this account multiple times and can provide certified copies if needed and nothing has happened. I just keep getting " verified new information below ''. I found your site from a friend that had similar experiences with the credit bureaus. You can find my documents uploaded as instructed with your site.

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 01/19/2017 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint: XXXX {$480.00} Account was not verified as according to law ; no documents were sent. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that the credit reporting agency disclose to me all of the documents that have been recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. It was responded to my request saying that these accounts have been verified. There were no copies of the documents that the credit agency has in their files sent to me. 
You do not have any documentation in your files to verify the accuracy of the disputed account, please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, the credit agency was unable to provide me with a copy of the verifiable proof that for the account listed below within 30 days of XXXX/XXXX/2016 please remove accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 02/22/2017 about Debt collection (Medical) with Applied Business Services, Inc. (NC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: My copay ( $ 50- {$60.00} ) is paid prior to seeing a physician. I paid the required copay at XXXX. A collections agency is reporting that no co pay was paid. These two accounts are reporting adversely on XXXX and XXXX Reports. XXXX does not report at all. I spoke with two reps with XXXX ( XXXX and XXXX ), and advised them that I have received a " PrintScreen '' proof of payment from XXXX and a copy of my bank statement. They refuse to receive fax and stated will not remove incorrect information from reports.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Credit card () with TD BANK US HOLDING COMPANY (NY).
Issue: Billing disputes

Complaint: My Complaint is regarding an extra {$12.00} charge that Target .com placed on my Target Credit Card when they sent me not XXXX pkg of XXXX XXXX Towels but XXXX pkgs of XXXX XXXX XXXX & I refused XXXX accept the Extra XXXX pkg from XXXX and the Paper Towels were Returned and was Received by Target Dock and sign by XXXX.Target has inform me that they wo n't refund the extra {$12.00} which I believe is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 10/23/2016 about Credit reporting () with EQUIFAX, INC. (IL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Equifax continues to report unverified information, and refuse to verify the accounts in according to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ). they are required by Federal law to verify through the physical verification of the original signed consumer contract. Equifax is in violation of this law.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with fraud alerts or security freezes

Complaint: This is a general complain about the lack of security by Equifax in their latest massive data breach impacting almost half of Americans, for which I am a victim of. CFBP and Congress must step up and penalize Equifax for their gross incompetence and negligence for not providing adequate digital security for extremely sensitive databases leading to a lifetime of worry and concern to people who have no choice in being their " customers ''. While offering free, short-term monitoring of credit is a nice gesture, this is a serious problem impacting every consumer with a credit history and identity thiefs may take advantage years down the road as people begin to forget Equifax 's breach occurred. Equifax must be made an example of to send a message to all companies handling consumers ' sensitive data : lax security in the digital age will not be tolerated. Over one hundred million Americans have been impacted by Equifax 's decision to not take adequate security measures, and this can not happen again. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint: I tried cancelling my Experian Credit Monitoring account. There is no way to cancel online. I tried calling and the # 's either did n't work, or they transferred me and left me on hold for a long time. Is this a joke?

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 11/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (IL).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Corporate business accounts with XXXX XXXX showing on personal credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm a victim of identity theft and some XXXX try opening up lots of accounts in my name XXXX XXXX/XXXX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX XXXX XXXX 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 09-11-2015 about Bank account or service (Checking account) with BB&T CORPORATION (FL).
Issue: Using a debit or ATM card

Complaint: A few days ago I damaged my card. No lost the card but damaged the card. I immediately login to my account and made a reporting of the situation. Per the agreement there is no charge for the Damaged card. I sent the Financial Institution a online message stating where is the card and when was it processed. I then noticed today after login in that there was a BAIT and SWITCH regarding the TERMS. This seems to be a pattern regarding this Financial Institution and their methods. I ask that the money is returned asap. As this is considered THEFT. If not returned I will be forced to file suit regarding the Unauthorized Debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2017 about Debt collection (Credit card debt) with BARCLAYS BANK DELAWARE (KY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint: I received notice from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (  dated   XXXX   XXXX   XXXX   ), stating that Barclays Bank Delaware had referred my account to them for collection. The letter stated the amount owed and where payments could be made.   I sent out a letter on   XXXX   XXXX   XXXX     ( Certified Return Receipt ) to the Law Firm stating that I was willing to make payments on this account. The letter was received at the  P.O. Box  address provided on   XXXX   XXXX   XXXX     at   XXXX   XXXX  . No contact was ever made to me in reference to the letter that I sent, trying to resolve the debt. I also submitted a settlement offer on the firms website on   XXXX   XXXX   XXXX     and no response was ever provided.  <P/> On Saturday,   XXXX   XXXX   XXXX     I receive a notice in the mail from  XXXX   XXXX   XXXX ,  XXXX  stating that it had come to their attention that a civil suit has been filed against me in  XXXX   XXXX   XXXX . I have not received notice in reference to any of the matters and I have certainly been trying to resolve the situation without having to have a judgment filed against me.  <P/> This law firm does not seem to want to assist those who are willing to take care of their debts, they are automatically trying to sue and garnish wages.

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 08/19/2016 about Consumer Loan (Vehicle loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (CA).
Issue: Shopping for a loan or lease

Complaint: I buy a car in the delers of XXXX XXXX XXXX XXXX I was offered hill of interest in buying a XXXX XXXX at the time of signing not set me by the interest the day after I realized they gave me an interest 8.25 I was talking to the manager I was treated very badly and my family, and they did not explain to me that this kind of space used car tires and does not use additional tires

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Student loan (Non-federal student loan) with SLM CORPORATION (DC).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I signed up for auto payment on my Sallie Mae account, to take advantage of the reduced interest. Because Sallie Mae does not allow me to set up my own auto payment amount, the {$25.00} dollar payment is not enough to cover the interest. So I have tried to ways to make additional payments to pay down the principal. One way is through the Sallie Mae site, but my payment was used for interest. When I called Sallie Mae, they said that it was because I paid before the due date that I should use my banks Bill pay. I have now used my bank bill pay, and my payment was still used for interest. I called again and Sallie Mae stated that it is because it was a day after my due date. I have auto payment so I do n't understand how my additional payment would be used for future interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Mortgage (VA mortgage) with loanDepot.com, LLC (NM).
Issue: Application, originator, mortgage broker

Complaint: XXXX of LoanDepot called me XX/XX/XXXX about refinancing my house with a VA loan. I sent them all of the requested paperwork, plus they charged my Visa credit card {$200.00} for an appraisal. A few days later, his supervisor XXXX called and told me a few things that XXXX never told me. XXXX also told me that I am NOT exempt from the VA Funding Fee. I have been XXXX XXXX with the VA since XX/XX/XXXX. I called the VA and they told me that I AM exempt from the VA Funding Fee, and the VA told me not to do business with LoanDepot. Five days before the appraisal was to be done, I called the appraisal company and cancelled the appraisal, so the appraisal never took place. Since then, I have requested twice that LoanDepot refund me the {$200.00} I paid for the appraisal that had been cancelled. To this day, LoanDepot has refused to issue me a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/22/2017 about Debt collection (Other debt) with STERLING JEWELERS, INC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: Kay Jewelers allowed a friend of mine to use my account without my knowledge. My boyfriend at the time went into a store in Virginia for a cleaning of a product I purchased. Subsequently, the product was damaged by an employee during cleaning. They offered to fix the damage. In the meantime, my boyfriend asked if they could provide a " loaner pair '' of the same earrings until these were fixed. He was not authorized in any way to use this account. Not only did the employee allow him a new pair of earrings in my name, he also raised my credit limit in order to put this purchase on my account. No notice to me about what was going on, no signature from me, no call, nothing! When I found out what happened ( through a phone call I made inquiring about my increasing bill ), they told me about the purchase. I told them that 's impossible as I was at work that day and no one else has authorization to use my account. Long story short they stated they removed this employee from the store and also would credit me with the cost ( neither of which really happened ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-10-2016 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (TX).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage Complaint. 

I have called nationstar on several occasions to rectify an issue that they created and still waiting a response. 
The issue has to do with my Escrow account. XX/XX/2015 I refinanced my home loan with Nationstar and after the refinance went through ( XX/XX/XXXX ) I changed my XXXX XXXX policy to another provider. For some reason this year I received an letter from nationstar that I was without Insurance from XX/XX/XXXX so they purchased a plan on my behalf for nearly 4 times the cost. 

As you can see I had insurance did n't expire until XX/XX/XXXX and to top it off the policy should have been auto-renewed. Nationstar did n't pay the renewal and have asked them multiple time to fix it. 

The representatives that I have talked to all tell me they will get back to me and never do, that 's not true one lady did, but then told me she would call back in 3 days and never has. As this point I am very frustrated and do not want to deal with them anymore for their constant failure. I want them to fix my escrow account and return money to it as this is clearly their fault. 

Can I sue them for incompetence as I feel like doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 02/26/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NV).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: Navient is the servicing provider for my loan charged me for a loan that was paid off for over a year. When I submitted a payment in XXXX 2016 to clear XXXX sub-loans, Navient charge me over {$200.00} dollars on a loan that was already paid off, and tacked on late fees to my payment. I have been paying them off religiously trying to get them out of my life, but they have pulled this stunt an although they say that they have rectified it I do not trust that my account is in order. They have done this before with my account I was of the ones who received a settlement from the last mass lawsuit concerning XXXX XXXX/Navient, and would not be surprised if they have scammed me out of more money again. I have their statements that was sent to me proving that my loan was paid in full, and the statement far after the full payment status where they tried to recharge me on that loan. Every payment, every statement I have. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 06-08-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (IL).
Issue: Problems caused by my funds being low

Complaint: I noticed that my account had a negative balance. As I looked at the account, I noticed that a pending transaction was listed and the balance was positive but a {$35.00} overdraft transaction was incurred. I spoke with the representative and they stated that the pending transaction was included in my available balance although the item is still processing and the merchant has not processed a receipt. I feel as though this is an unfair practice that puts consumers at risk.

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 monetary relief