milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/28/2015 about Consumer Loan (Title loan) with TMX Finance LLC (IL).
Issue: Charged fees or interest I didn't expect

Complaint: Our Son had medical problems and suffered a XXXX XXXX XXXX and We discovered that he had this title loan and i went over to the title max office to pay off this loan and I about had a XXXX XXXX when I seen that they had a ludicrous Interest rate of 167.88 % SAD World when these type of people are allowed to charge a phenominal interest rate to people who are already in deep financial trouble. HOW CAN THIS EVEN BE LEGAL?? NEW LAWS NEED TO BE ENACTED, and all financial institutions should not make any types of loans that the people can never re pay! This file is written by father, XXXX XXXX XXXX who paid off this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2015 about Credit reporting () with LEXISNEXIS (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am filing a complaint on Lexis Nexis because I have requested my risk file from them by mail on several occasions to see what is being reported about me because I continue to be denied for credit based on their information. They have not responded to my request at all.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Mortgage (Other mortgage) with Selene Finance LP (FL).
Issue: Settlement process and costs

Complaint: We are a restoration company and we did repairs for a homeowner after a fire. Their homeowners insurance carrier paid the claim and as usual the funds came in a check with the mortgage carrier named on the check. Selene Finance has been holding the funds for nearly 8 mos. and is refusing to pay out. We have complied with dozens of requests, repeatedly, submitting the same paperwork and the same authorizations. For 4 months now we have been stuck in a cycle of Selene saying we are not on as a third party to speak to. We submit the authorization again, and they ask for the entire package to be sent in, again. We comply, and they state that they need to speak to the Homeowner. We get the Homeowner to call, and they say they need to review, when we call back they start all over again stating we are not authorized as a third party. Each step and submission is a 4-6 day process, so each cycle is a month of constant work. 

The home owner was living with a burnt out kitchen so we did the repairs with the promise from Selene that we would be paid. Now they refuse. 

Selene is withholding an insurance settlement even though they acknowledge they had a 100 % inspection by their third party inspector and a certificate of completion from the homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I am receiving repeated calls from an entity on my caller ID displayed as Portfolio Recovery. No message is left. Each call comes from a different number, so call blocking is not effective. I have received no written communication from them. I have no outstanding debts or collection items whatsoever. Portfolio Recovery has many unfavorable complaints and comments on numerous Internet sites regarding their collection tactics, including complaints of attempting to collect debts from people who do not owe money. I am at a loss as to how to stop their calls.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I 'm XXXX XXXX, I 've been trying to solve this problem going on a year now, since I 've filed Bankruptcy 2014 and nothing is cleared off my Credit File, I filed a Chapter XXXX and it was discharge nothing has been remove from my Credit File, all XXXX Credit Bureau keep transferring my information to each other NOT deleting, I also request to have the fraud alert remove from my Credit File and it has NOT happened, I 'm I 'm filing this complaint because I 'm getting the run around

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 03/14/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: The account on my credit report for XXXX XXXX was not opened or owned by me. I have reported this to trans union and XXXX but was told it meets fcc rules. Well show me where I signed or used an address associated with me. This is not my account and was opened without my permission.

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 08/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NV).
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: I am charged monthly on my XXXX XXXX XXXX for my XXXX XXXX Membership. The change is set to be on the XXXX of each month for {$10.00}. Well I have been getting charged twice a month - once on the XXXX and then again on the XXXX for my XXXX XXXX Membership. I contacted XXXX and never got a response - so I went to Macy 's who has my XXXX account and filed an online complaint. I just received in the mail yesterday that they are unable to help me and to go back to XXXX. This has been going on I think since XXXX. I would have to go back and check my statements to find out for sure. I go back into the XXXX website and there are no phone numbers that I could find - same as my original complaint to them I had to email. Now I ca n't even find an email that I can contact XXXX - so I will have to go into my email account and find the original one I sent to them and re-sent. Hoping you can help.

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 08/15/2015 about Mortgage (Other mortgage) with Servis One, Inc. (TX).
Issue: Credit decision / Underwriting

Complaint: XX/XX/2015To whom it concernsI applied for the HAMP application XXXX XXXX, 2015. I sent the application XXXX ways. I sent it by email to a BSI Financial Services and to their XXXX office. It was later determined that the information was not being processed and had been sitting in someone 's inbox. I resent the information on XXXX XXXX. I received a confirmation letter on XXXX XXXX that all of the information was being processed. The loan information was transferred from one representative to another on XXXX XXXX. My wife and I have been calling ever since. 
Here are the days that we called or correspondedXX/XX/2015 - My wife left a XXXX XXXX am - spoke with Supervisor. Verified all documents were received and that load was reassigned from one rep to anotherXX/XX/2015 - Left voicemail for repXX/XX/2015 - Left voicemail for repXX/XX/2015 - I called and left messageXX/XX/2015 - Spoke with supervisor again XXXX : everything filed on XXXX/XXXX/2015 and it take XXXX days. Normal process is XXXX days but they are backed upXX/XX/2015 - left voicemailI am just a little frustrated with the process because what normally should have happened by XXXX XXXX has spilled over into XX/XX/XXXX. I.e a XXXX day process is not has now been XXXX days and still no response whether we have been approved for the HAMP. Please helpThanks

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Issues over payment amount resulted in forclosre. I was not aware of amount to pay after it was changed by Servicer. Attemtps to clarify failed. My payments were rejected when OCWEN could have clarified my understanding of how much to pay since they rejected it. I did not know the payment amount until today.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Prepaid card (General purpose card) with Blackhawk Network Holdings Inc. (TX).
Issue: Managing, opening, or closing account

Complaint: They closed my card account and did n't give me a reason. Now they are going to charge me money to send me a check for the remaining balance. They have not presented any other way for me to receive the money without paying them a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: Experian is reporting my first name as " XXXX '' and last name as " XXXX '', although I have provided documentation to verify my identity. My first name is spelled with one XXXX and I have never had the last name " XXXX ''. I have called them and written them letters, yet they refuse to remove this erroneous personal information from my credit report. I do not understand this. Attached is my identifying documentation that substantiates my identity. I have also attached their erroneous reporting.

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 10-01-2017 about Checking or savings account (Checking account) with PNC Bank N.A. (VA).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: I open this checking account in XXXX with PNC. As I consider myself an informed consumer I was very aware about overdraft protection being a requirement that a consumer Optics 's in to that protection. When I opened this account I was very upfront and direct that I did not want any type of overdraft protection and that I would not be opting into that service. From what I perceived, in the past I was not being charge any overdraft fees. But recently my account did get overdrawn and PNC charged me an overdraft fee. Not only did they charge me an overdraft fee but they charged my account an additional XXXX dollars a day every day the account was overdrawn. As I was not aware that my account was sign up for the service I was under the impression all charges would be denied. just to give clarification these charges were not checks or ACH which I know are not covered under the overdraft opt out choice. These were direct debits. 

I called PNC and explained the situation and talked to a CSR on XXXX/XXXX/XXXX. I told the Car that I never sign up for OD protection. I was then told that originally the account was setup without OD protection but a few days later it was switched to what they call a protected account. They setup a virtual account and cover expenses from a savings. She stated this protected account does not require opt in or allow for opt out its automatically setup to draw from one another or you will get charged. I told the CSR that I understood but that is not what I sign up for and that I never opt in for any type of OD protection. For the account to change type or setup to change a few day later without my consent or acknowledgment was deceptive and unfair. I filed a formal complaint over the phone at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 12/28/2015 about Consumer Loan (Title loan) with Automobile Acceptance Corporation (GA).
Issue: Payment to acct not credited

Complaint: Took out a loan on XX/XX/XXXX for the term of 14months. XX/XX/XXXX had XXXX and was out of work for 3 1/2 months. fortunately I had taken out XXXX insurance to cover the payments while recovering for XXXX. I returned to work XXXX and still have not received a full paycheck due to therapy and bi-weekly office visits. XXXX is threatening me with repossession instead of working with me to help me get back on track. I am 73 days behind on a payment that was due XX/XX/XXXX. now I am confused if the insurance company made my payments while I was recovering why is there a payment late from XX/XX/XXXX? seems like the logical thing to do is reset the contract instead they are threatening me with a large sum due or reposeesion.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (CA).
Issue: Loan modification,collection,foreclosure

Complaint: loan modification I just received on Friday XXXX XXXX a summons and a unlawful retainer. There was no information from the bank regarding property of sale nor approval or denial of a loan modification. The bank did not reply to my request for a complete audit of the loan account. Also if the property was sold why wasnt I notified prior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-05-2015 about Debt collection (Credit card) with FEDERAL PACIFIC CREDIT COMPANY, LLC (DE).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: i had a continental finance credit card which expire on XXXX but on the credit report it state that a payment was done every month up to XXXX. I just want that federal pacific credit give proof to me that payment was made from XXXX to XXXX. the credit card company and the collection agency got me that last payment was made XXXX an they vertify when i dispute with the XXXX, and the other XXXX agency. it do n't sense becauce i retire from work in XXXX an move so how do i pay them if i do n't get a statement.This is the only credit card that gave me problem.IT seen that my account before it when to a collection agency the date was change.

Company response to consumer: Closed
Consumer complaint received 01/31/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (TX).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: I have a Chase XXXX card. Per the agreement, I should not be charged interest if I pay my balance in full before the due date. Even when I pay my balance in full before the due date, Chase still charges interest and refuses to explain why they have charged interest in violation of the agreement or provide the interest calculation. I manage credit cards for a large company and have never had these issues with other credit card companies. I will be closing the card as a result of these issues with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 08/20/2015 about Student loan (Non-federal student loan) with Dream Center Education Holdings (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I went to the XXXX XXXX XXXX XXXX XXXX XXXX, and was severely overcharged for a total tuition of around $ XXXX. They added on additional classes that were not part of the agreed curriculum I signed up for, in addition to receiving minimal instruction/education to perform less that the minimal functions in my area of study. My demo reel is not up to industry standards ( due to failure of instruction ), yet was approved by instructors. I did not receive job placement assistance, and have been unemployed ever since graduation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Medical-Dental-Hospital Bureau of San Antonio (TX).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: They went into my checking account with no authorization after I paid them once and took additional money they took ; XXXX XXXX XXXX XXXX XXXX all on XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Debt collection (I do not know) with Simon’s Agency, Inc (PA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: calling for a person that is n't at this number, says to call them at XXXX and use a reference number. i advised them XXXX on the phone and left info on their web site this person is not at this number. after telling person on the phone the robo calls started

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with The CMI Group, Inc. (OH).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: XXXX offered me a deal for free cable and internet for 1 month. I could then return it after that promotional period. I asked about catches, and they stated their was a XXXX deposit for the equipment and that was all ( I can not remember the exact amount as this was about 8 years ago ). After 1 month, I returned the cable TV box to my local XXXX office. I then paid for the internet service for 3 months, and cancled at that time. When calling to cancel they stated that I would need to drive to the XXXX office to return the equipment, which is 2 hours away. I asked about the XXXX office, thinking they were mistaken about the closest one. They stated that I could not return it there, and that if I did I would be billed for the equipment. I asked for anything showing that I agreed to these terms, and they are yet to provide, because it never existed. I was very skeptical about the deal, so I read the 1 form for the equipment that I signed very thoroughly. It never mentioned anything about return the equipment to XXXX, and they never gave any objections to the Cable equipment being returned to the XXXX office. I would like the XXXX collection they issued which is now reporting with Credit MGMT acc # XXXX to be deleted from my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 06/22/2015 about Credit card () with SYNCHRONY FINANCIAL (VA).
Issue: Billing disputes

Complaint: I contacted the company via phone on XX/XX/XXXX 2015 requesting assistance with my account as I am past due, over credit limit, and was shocked to learn that I was unknowingly signed up for a promotion that has led me to be over the original limit of {$1800.00} due to the promotion expiring and me being charged, according to the representative, 42 % interest on the unpaid promotion amount an entire year equaling around {$630.00}. This has left me with a balance due of more than {$2500.00}. Additionally, the representative informed me that I have an additional promotion ( that I have no idea how I signed up for ) that is set to expire in XXXX 2015 which will drive this {$1800.00} debt to close to if not more than {$3000.00}. After speaking with a financial representative for over XXXX minutes he advised me that I " did not qualify '' for assistance at this time and to try back later, despite being nearly XXXX days behing. I got no answers on how to take care of the unknown promotional purchase and no one assisted futher. After reviewing my finances I sent Synchrony Bank a repayment proposal and requested that my account be closed. In that letter I included the XXXX payment as proposed in the repayment proposal and this payment was cashed on XXXX XXXX 2015 via electronic draft. I recieved a call on XXXX XXXX 2015 from XXXX stating that they were collection agency assigned to my Synchrony account. The account supervisor informed me that there was no record of a repayment letter included with the payment, and that my account had not been closed. She had no details as to how the company got the check that was enclosed in the letter, but did not receive the letter. The rep closed my account and took some details of what was enclosed in the letter so that she may relay that information to Synchrony Bank. She could not help me with the issue of promotional purchases because she said she did not have access. I tried to call Synchrony Bank directly, but as they have sent my account to collections I am automatically forwarded to the collection agency who can not help me resolve the many issues I am having. I am not denying that I owe what I borrowed but I DID NOT sign up for a promotion and definitely did not sign on to pay nearly XXXX times the amount I borrowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Several unathorized inquiries on my report

Company response to consumer: Closed with explanation
Consumer complaint received 02/17/2017 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (KY).
Issue: Loan modification,collection,foreclosure

Complaint: Citibank 's Distressed Loan Department advised me to hold off seeking a loan modification for my second mortgage until my first mortgage holder ( XXXX XXXX ) had granted my modification request. Despite regular communications with Citi personnel, my loan was recently " written off '' with no warning, and turned over for collection to XXXX XXXX, which I am now being told prevents me from seeking a loan modification. I seek the reinstatement of my Citi loan so that I can file and complete the modification process.

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 08/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX, XXXX, TRANSUNION IS REPORTING WRONG

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 05/13/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with UNITED SERVICES AUTOMOBILE ASSOCIATION (TX).
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: XXXX    XXXX   I had a bunch of fraudulent activity on my credit cards. I reported it to my bank  ( USAA ) i mmediately, however it took them quite a while to get the claim completely correct. Now, a year later after having issued permanent credits to my account, they have decided to reverse this action and make me liable for purchases I did not authorize.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation