milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/20/2017 about Consumer Loan (Vehicle loan) with First Premier Financial, Inc. (CO).
Issue: Managing the loan or lease

Complaint: I had a car loan with First Premier Financial, and it was transferred to another company who owns my other car loan, XXXX XXXX XXXX. Well, I received the Welcome letter from them in the time frame that they were suppose to in order to remain in compliance, however the problem was First Premier Financial did NOT send me a good bye letter informing me that they were service releasing my loan which caused a bunch of problems. I could not find my loan on their site anymore, so I kept attempting to call. But the line was always busy that it kept sending me to a voicemail. And I never received a call back. So beforeven I knew what was happening I mailed them my check. That was XXXX. After a about a week, that 's when I received the letter from my current servicer advising me about the transfer. However they still said I owed them a payment. I waited for another week and still said I owed. The letter they sent me said first Premier would be forwarding any payments that was sent to them. Well I got tired of waiting. I paid my note online with the new servicer and First Premier still has not sent them the check. That 's the first time I had ever mailed them a payment and it 's lost somewhere. Know that company someone probably done stole my information, or it simply just got lost in the mail. Anyway, all this headache and confusion would not have occurred if they would have sent out the Goodbye letter or even returned one of the many voicemail I left. I really hope my loan was sold because they are going out of business because for this to be a financial institution they have no regards for staying in Compliance with anything!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: 1- XXXX XXXX XXXX XXXX XX/XX/XXXX. {$3200.00} 2- XXXX XXXX XXXX XXXX. XX/XX/XXXX. {$2000.00} 3- XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. {$1200.00} 4- RECEIVABLES PERFORMANCE. XX/XX/XXXX. {$240.00}

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 06/26/2016 about Credit reporting () with Experian Information Solutions Inc. (MN).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Someone stole my personal identity and open up unauthorized and fraudulent accounts using my identity. I am a victim of identity theft. The following accounts are unauthorized and fraudulent : XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX, U.S. Department of Education

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 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax allowed XXXX to make a hard inquiry without my written permission pursuant to the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: Approximately in XX/XX/XXXX I was notified I was sent to collections on a disputed XXXX debt in the amount of {$1000.00}. At the time I was XXXX years old and very nave and uninformed when it came to credit reporting. I was not advised that I could have disputed this debt since I disagreed with it. Instead, I felt scared and fearful enough to protect my credit and therefore I borrowed monies to pay the debt in full to XXXX XXXX XXXX. Naively, I did not realize they would continue to report a negative entry on my credit record, and I did not understand that would still hurt my credit score despite me paying the account in full. I dispute this with XXXX on XX/XX/XXXX and it took them less than 24 hours to conduct an investigation and notify me that this account will remain on my report. I feel taken advantage of because I was so uninformed at the time and now feel like they just took my {$1000.00} and I'm still being injured by them. They claim that they have to report accurately but leave out the true facts of the circumstances in the 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 explanation
Consumer complaint received 06/21/2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX, XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DL Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX, XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I was told this loan was going on my G I bill related to my military service. I did not attend after I was place in the class that had no bearing on photograph. I returned all the equipment and never cashed any checks. i am still being billed by this school. I have contacted the and asked for documentation of payments and checks cashed but the school hasa been unable to provide me this information. They are committing fraud because I never attended past a few days

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 09/25/2017 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (CT).
Issue: Struggling to pay mortgage

Complaint: Since the closing of my business, in 2009, which created for me much financial difficulty, I have been granted 2 separate loan modifications. First with XXXX which during this time became Ocwen. My first complaint would be the prolonging of the application process. The first took several months of a trial period payment which I paid on time each month but undenounced to me was reported as being 30 days late each month, making my once XXXX credit score to substantially lower, even though they assured me my credit would not be affected. In addition, before the first modification was granted my principal balance was {$150000.00}. and now after the second {$280000.00}. Understanding that I did not pay my mortgage periodically and that would of course be added in, and not being able to afford legal counsel, I never got straight answers or supplied factual documentation to answer my questions of how the figures added up, and then time would run out and I felt forced to sign or my house would be taken. I understand I am still in my house and I am grateful but I am upside down on my house and my credit is now damaged. After paying on my house for 15 years, I owe almost double of what I financed it for! How is this even legal, never mind fair! How is that helping??

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (PA).
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint: I lost all income and currently have none now and am now reliant on my boyfriend I also experienced some health issues but also explains that the company did not want to hear anything I had to say as I have never had a rougher time they continued to send letters threatening to sue me then I got a paper where they were denied in local civil court 4 months after they filed due to the mail man never delivering the original document I guess but then around XXXX I get a call from the constable that hes at my boyfriends apartment to serve me with court papers just what every mom wants to hear especially when they dont even have two nickels to rub together the constable delivers them the day after XXXX and my neighbors see this which is embarrassing because I lost my income. This company really has no consideration they arent willing to work with me I have the other letters where they are demanding either half the money or 5 payments but like I said if I have no money how can I they wont even work with me? They will even try to claim people didnt speak with them because they have some weird attorneys supposedly handling it but I spoke to the company not the those other people. The company even has been on my credit checking it every so often which I dont like which Im not referring to capitalone but whom ever is claiming to be their attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Debt collection (Medical debt) with AAA Collections (NE).
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint: I received a call on XXXX at XXXX XXXX. It showed on my caller ID as spam but I answered it in error. The lady asked if this was XXXX I said yes but she would have to contact me after XXXX. Without verifying who I was, she violated the FDCPA and TCPA. She did n't let me know the call was being recorded, and she did n't verify who she was speaking with prior to disclosing a debt. She also did n't give the mini-Miranda. She continued to harass me and tell me this was not the way to handle a debt. All of this happened while i was at work. I disconnected the call and called back at XXXX XXXX. A woman answered and again violated the TCPA by not letting me know the call was being recorded. I requested a supervisor, who also violated the TCPA by not letting me know the call was being recorded and also violated the FDCPA by not reading the mini-Miranda. She then told me the calls were recorded and that she would deal with it.

Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Consumer Loan (Installment loan) with FIRST HERITAGE CREDIT LLC (TN).
Issue: Problems when you are unable to pay

Complaint: The company does not listen to repeated request to not contact me at work. They will call me on my cell phone and on my work line just to keep forcing the issue. This has been happening for about 2-3 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-02-2016 about Credit card () with U.S. BANCORP (VA).
Issue: Late fee

Complaint: US Bank charges a late fee when I make a monthly payment on time because it is beyond XXXX CST rather than the end of the day. The disclosure is n't shown until submit payment is selected.

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 06-06-2017 about Payday loan, title loan, or personal loan (Title loan) with FIFTH THIRD FINANCIAL CORPORATION (IN).
Issue: Can't stop withdrawals from your bank account

Complaint: My vehicle was paid in full on  XX/XX/XXXX . On  XX/XX/XXXX  the bank pulled a additional payment. Upon calling the bank they acknowledged the overpayment and stated that since it was ach from my account that the check would be mauled back to me. I still as of today have not received the check. After speaking to the bank they now state they do not have a association with the  Bill p ay sevice. However upon searching the billpayment service it shows owned by fifth third. The bill payment swrviceis also now staying they have no record.I have provided bank statements and have spent countless hours working to get back the overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Debt collection (Medical) with Commonwealth Financial Systems, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Commonwealth Financial System, Incorporated XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian, Equifax, Transunion. 

Account : Dispute/Refuse I am stunning that reviewing my credit report I found this absurd collection, damaging my credit. 
This collection agency is complete inaccurate and I do not owe any money for those services, for that reason I requesting to be removed from my credit. 
This claim is complete absurd and unacceptable. The incident happen several years ago when my son has an accident and ambulance services was utilize to transport him from XXXX XXXX GA to the Hospital at XXXX GA. 
At the time the XXXX XXXX XXXX shield insurance was provide and paid off. 
Several Months later we received a letter stating that the insurance information was necessary one more time. Witch we provide one more time. 
Over a year after that second incident a law firm stated that they will send the letter requesting the paid off or will be send to collections, which they did. 
After several attempt letters, phone call and on line chatting, they agree that it was an error on their part, and promise to remove from the Credit report. 
Now after about 6 years have being pass of the incident. The same company send a bill to collections one more time and that of course is affecting my credit. 
This is totally unacceptable. I am XXXX with more than XXXX years serving my country. 
My credit is review every time I have to obtain clearance for my employment. Actions like this due to negligence from they 're part my life and my family life is affecting. 
I am requesting your assistance to resolve this matter in a positive manner, and I demand from that account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 09/21/2015 about Student loan (Non-federal student loan) with AES/PHEAA (OR).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: After being injured XXXX on the job, I went back to school and my mom co-signed on private student loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had no problem paying the monthly bills until my mom died last year, 2014. I wrote to AES/NCT repeatedly, contacted the original lender, XXXX, paid every amount third party collection agencies, such as XXXX, XXXX, asked. AES/NCT refused to extend a reduced payment plan that enabled me to pay my rent, bills, buy food, and pay AES. They said NCT refused ; however, when asked, AES said NCT does not hold the original loans, they do. They referred to NCT as the lender. I contacted XXXX XXXX ( CEO ) of AES and XXXX XXXX ( CEO ) of XXXX. So far, AES/NCT is refusing to deal with XXXX ( even though I have given my permission to speak with their Liaison ). They did not have a third party collection agency contact me about loan sequence XXXX and it went into default. I am not employed. I am a XXXX candidate just months away from completing my dissertation and they will not work with me and let me pay what I can afford. I am XXXX years old and so far, have been able to keep everything current until now. Because of the default, I can no longer get a XXXX loan to complete my degree and AES/NCT keep giving me the runaround but will not reduce payments to what I can afford.

Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2017 about Checking or savings account (Checking account) with JPMORGAN CHASE & CO. (FL).
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint: On XX/XX/2017 I deposited {$960.00} to the new Chase atm in XXXX XXXX, Florida. The machine made a whirring sound for a few minutes and then stated that there an error and the atm gave a receipt. 

Sequence # XXXX " Deposit to Chk Acct XXXX This device has experienced a technical problem. To confirm that your last request was completed properly, please visit a chase bank or call XXXX ''. I did NOT leave the atm for about an hour, while I called the number and spoke with a representative that claimed she would credit my account {$960.00} within the hour while the issue was under investigation by the claims department. The money was not deposited the next day so I had to call back & the claims department saw no record of that being told to me. They credited my account the {$960.00} and took information from me in case they had to reach me for any questions concerning the investigation. 
XX/XX/XXXX, {$960.00} was taken out of my account without any notice from Chase Bank 's Claim Department. I called and was told that there was no money in the atm and the claim was denied. I was also told that they would not look at the camera. I went INTO the branch & the branch manager,  XXXX, said she would personally look into it. She called the Claims Department and faxed over the receipt that stated there was an atm error with my deposit. The " Escalations '' department stated that they would resolve the issue in 24 hours. They did not. The branch manager called back and they told her they never said that. Even the branch manager stated that she has never seen such incompetence in 15 years at her job. The Escalations Department then claimed it would take 7-10 business days. I have no heard anything and called them today, spoke to 4 people in 20 minutes and finally spoke with " XXXX '' who stated it was against company policy to give an agent #. XXXX told me the claim was denied, that they looked at the video and did n't see anything which is a LIE. So either, the guy who checked the atm stole {$960.00} from a single mother who had never over drafted or Chase Escalations Department defrauded me out of {$960.00}. I do  not understand how this is even remotely acceptable. XXXX told me his supervisor would call me in 24-48 hrs to tell me  what he already said. I told him I wanted this resolved and he said the issue was resolved but I just did n't want to accept it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 12/15/2017 about Mortgage (Conventional home mortgage) with LHM FINANCIAL DBA CNN MORTGAGE (AZ).
Issue: Closing on a mortgage

Complaint: Three days prior to the close of escrow ( XX/XX/XXXX ) it was disclosed to the buyer 's agent that the lender was denying funds for a loan that was for the purchase of a home. There was a XXXX provided to both parties on XX/XX/XXXX with no indication of trouble with the buyer qualifying for said loan. The buyer was prequalified, escrow was pending, and suddenly the buyer 's loan is denied with just three business days left prior to the close of escrow. These are examples of extremely poor business practices by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: Notified original company in XXXX that debt was included on bankruptcy. Never received notification from collection company of debt. Not responsible for debt included in bankruptcy.

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 04-01-2015 about Debt collection (Medical) with PROHEALTH CARE, INC (WI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: My medical insurance covers yearly physicals at 100 %, and I verified XXXX XXXX XXXX XXXX XXXX 's office that the visit on XXXX/XXXX/2013 would be billed as a physical. When the bill was sent, {$250.00} was billed as a physical ( and therefore paid in full by insurance ), and {$130.00} was billed as a " Room Rental Fee '', so it was not covered by insurance. ( Note that this charge was reduced to {$96.00} by a discount for having insurance. ) I never rented a room from XXXX Hospital, nor did I authorize them to charge me to rent a room. The physical was not performed at the hospital, and I was only in a patient room for the couple minutes it took to complete the physical. When I contacted the hospital on numerous occasions to resolve this, they were unwilling to change the coding. My insurance company would have been happy to cover the cost if the bill was coded correctly as a physical. The outstanding bill was turned over to a collections agency, who ceased contacting me when I told them what had happened and that the bill is not mine, but instead a mistake on the hospital 's part. The hospital has now turned this charge over to the credit bureaus, which has hindered my ability to purchase a home as my score dropped by around XXXX points. I am contacting you because as a consumer this is my only course of action to get this problem resolved without involving legal action, which will be my final step if this is not able to fix the error.

Company response to consumer: Untimely response