milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-01-2017 about Student loan (Federal student loan servicing) with GREAT LAKES (WA).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: When the servicing of my loan transferred to Great Lakes they discontinued the auto pay function that I had set up with ACS. This resulted in my account becoming past due. I 'm concerned it XXXX have also affected my rate and my credit. I contacted Great Lakes because of emails I received, but I was not sure who this company was and immediately it asked for my social. Who gives out their XXXX to a stranger that emails them? When I asked to speak with a representative she explained it was due to 'hackers ' and 'my privacy ' that they do not continue the auto pay from XXXX servicer to another. I feel this is an unfair and deceptive act or practice. I now have the payments made and the auto pay corrected but if my rate or credit were affected I want it fixed. I also think that servicers should be required to sustain automatic payments when transferring. The lender is the same!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Credit card or prepaid card (General-purpose prepaid card) with AMERICAN EXPRESS COMPANY (AL).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: This letter is to dispute a Atm error on my account in the amount of {$740.00}. The amount is inaccurate because the ATM didnt dispense any funds. The transaction is ATM Withdrawal ( Transaction ID : XXXX ) XXXX/XXXX/17 is the date of the transaction. The amount is {$740.00}. I requested {$740.00} but didnt receive any cash. Please correct this ATM error as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2016 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (NY).
Issue: Loan modification,collection,foreclosure

Complaint: I had difficulties making ends meet and paying the mortgage since my mother was moved to a XXXX. I contacted the bank to try and reduce our monthly payments years in advance which was approved but the second time around they are telling me a different story and my calls to the banking institution was handles by individuals that provided enough information to identify them but their case notes are n't on file.

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 09/18/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (DE).
Issue: Other transaction problem

Complaint: On XXXX XXXX, I used PayPal to purchase two XXXX baskets for my pool. When I received them, they did not fit. I followed return instructions to receive a refund. 

I did not receive any refund until I sent an email inquiry and then I received a partial refund on XXXX XXXX. 

I sent two additional email queries, which were unanswered. 

I then filed a dispute with PayPal, which issued a conditional refund of {$10.00}, the amount I am seeking but has twice given me conflicting information about why they were ruling against me in the dispute. 

I want the conditional refund to become permanant and I want to end this dispute.

Company response to consumer: Closed with monetary relief
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: I have asked for all 3 bureaus to do thorough investigations of the items that are reporting on my files and they are n't doing what they 're supposed to. I should not have to fill out what is incorrect and send it over to them because I have requested investigations of my entire reports. I just checked my recent reports and now see that an old account that was already disputed and deleted is being allowed to repark on my report as a new account being reported. The name of the company doing this is XXXX and I am aware of my rights that agencies nor bureaus are allowed to park old accounts on your reports. This is my 3rd time asking for a thorough investigation to be done on my credit reports and if this is not done I am prepared to seek legal action against the bureaus as well as the agencies reporting inaccurate information on my reports without any legal and binding contracts.

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 06/24/2015 about Consumer Loan (Vehicle loan) with CAPITAL ONE FINANCIAL CORPORATION (MD).
Issue: Managing the loan or lease

Complaint: I 'm in dispute with Capital One Auto Finance with my XXXX 2015 payment as being reported 30 days late to the credit reporting agencies. My car payments are due on the XXXX of every month. However, my XXXX payment is being reported as being received by Captal One on the XXXX of XXXX and they reported it as being over 30 days late. They 're telling me they have reviewed the details of my account and have determined that the subject information is being reported accurately. I agree my payment was 26 days late but does that contitute it being reported as 30 days past due?

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (CA).
Issue: Charged fees or interest you didn't expect

Complaint: On XX/XX/XXXX, I received in the mail an offer from Big Picture Loans. They approved me for a {$600.00} loan, and I understood that the interest would come to XXXX. I have come to find out that they want XXXX every week for a total cost of {$4200.00} and {$3600.00} in interest ( 665.2037 % ). Had I known this was the case, I would never have agreed to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2018 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I received a call today from XXXX claiming to be Portfolio Recovery. They indicated that they were calling on a recorded line. The called said that she was trying to collect a debt from XXXX XXXX for over {$2000.00}. The called wanted to know if I wanted to take care of this debt and that if I didn't that it could damage my credit file. I indicated that my credit was in good standing with XXXX XXXX and asked when was this debt created. The caller first said XX/XX/XXXX and then said XX/XX/XXXX. I told her that there was no way I could recall something from 20 years ago and that there is nothing showing on my credit file to validate this debt. I also stated thatXX/XX/XXXX was well past the statue of limitations. The caller then asked if I wished to dispute the debt which I stated yes. She asked me if the address they had was correct and I stated yes and she asked if the number she was calling on was the best number to reach me. I also stated yes. The caller stated that I would receive validation in the mail. My number is on a do-not-call list. I don't believe this to be valid. I have never even had a credit card with a {$2000.00} credit limit. Calls like these are very disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: I had to put a freeze on my credit in 2017 after someone had stolen my identity. I am now trying to purchase a home and am having a great deal of difficulty with Transunion in terms of getting a PIN number to release the freeze. I have contacted the company numerous times over the last month to have my PIN sent and am always told I will receive it within 3 to 5 business days. That does not happen. Every time I contact someone my call is directed to a switchboard in XXXX ( not a problem ) and there is a slight language barrier. I have had the folks repeat my mailing address back to me and it is indeed correct but to my great frustration I never receive the information I request or any paperwork at all. I have been informed that they can not fax, can email, nor can I pay to have it overnighted. I need a resolution to this issue soon and do not want to take legal action.

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 09-01-2016 about Mortgage (Other mortgage) with SELECT PORTFOLIO SERVICING, INC. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: i have asked to have paperwork sent to me in the past two months from SPS so that they can update my file for reaching a agreement for my home. They sent a letter today that they deny me loss mitigation, how can this be done if they did not allow me to present paperwork about how my situation has changed. Can you please help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I wrote  XXXX ,  XXXX , and Experian in  XXXX  asking for help. They have not answered me. I filed a complaint and put down a friend I know who does free advocacy work for people needing help with credit. The response was  the 3rd part y is not authorized.   Whatever. I am resubmitting this myself, no help from anyone. I do not understand why they just are refusing to help me. I know if they truly look at my issues they will find errors. I am having the same issue with the other  XXXX  credit bureaus. That 's collusion against me.   Is n't this illegal? Is not all of this illegal???   Please 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 11-03-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (WI).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I attended XXXX XXXX XXXX for my XXXX degree in XXXX XXXX and graduated in XX/XX/XXXX. I have been receiving numerous calls from Navient stating I have {$60000.00} in private loans. I never signed papers stating I had this much in private loans. XXXX XXXX XXXX pressured me one semester prior to obtaining my degree I would need to take out a private loan for the remainder of tuition but never informed me on the amount. My private loans have now gone into collection and they are demanding the full cost of the private loan to be paid in full. When I said I did n't have this kind of money, they dropped the cost to {$33000.00}. When I said I did n't have this amount, they informed me to seek out a loan from family, peer to peer, or take it from my 401K. I do not have this kind of money nor will I ever. They stated it would go to an attorney for lien proceedings if not paid byXX/XX/XXXX. This is just on my " private loans ''. They also stated my federal loans are well over {$250000.00}. I 'm sure you could imagine my thoughts on this. The cost of these loans are outrageous. XXXX XXXX XXXX really put my life into a XXXX I can never get out of. Now with XXXX XXXX XXXX closed by the Federal Government for these same reasons, my loans should be forgiven as well because I was forced into signing papers for one semester which turned into {$60000.00} and due to the scheming ways in which XXXX XXXX XXXX promised their graduates the world was a blatant lie. I do n't even have nor did they offer to help find a career in my degree field. I 'm looking for assistance as I will never be able to pay these loans in my lifetime. The amount totals with private loans included, over {$300000.00}. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (FL).
Issue: Loan modification,collection,foreclosure

Complaint: Applied for a modification on XXXX/XXXX/XXXX. I called today on XXXX/XXXX/XXXX to find out the status and was advised by XXXX ID # XXXX and advised that the loan was ineligible to reactivate based on affordability and no change in circumstance since prior re-entry on XXXX XXXX. I would like to know the income that was considered in this review and the income that was considered in the XXXX XXXX review as the representative advised she could not give me that 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 explanation
Consumer complaint received 08/24/2017 about Debt collection (Medical debt) with AR Resources, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have disputed medical debts posted on my credit report from AR Resources. I submitted disputes to the CRAs for valid documentation to be provided to me in writing or to be removed from my credit report on XXXX, XXXX, XXXX of this year. 

No Documentation has been provided to me in writing proving the debts are mine and that the debts are valid. I dont even know what the debts were for. I responded to AR resources contesting the the validity of the debt and have received nothing in return. AR resources is also posting the same debt on my credit report twice in the amount of XXXX. Which is showing as additional collection account. This is an improper practice. I asked the CFPB once before to have debts removed and AR Resources agreed to remove. The debts have not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Debt collection (I do not know) with Worldwide Processing Group, LLC (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: how ever they are are searching for XXXX XXXX they call all hours of day. They have been told several times there is no XXXX XXXX with my number. I have had the same number for over 10 years. Calls stopped for a short time but have becoming more frequent. When I did talk to someone ( XXXX ) told them my number is on the DO NOT CALL. This out and out a SCAM. These people should be arrested but the Government seems to do nothing. The Government should go after these people and make an example of them, fine them millions and send that money out to all the people they are harassing. Yet they continue cheating people, stealing and get away with it. So the Government is telling them what they are doing is okay. Apparently what ever the Government is doing to stop this kind of activity is so soft that if they did it with on number they just continue to change numbers and continue. Where is the justice in that? I will again file a complaint with the XXXX XXXX XXXX XXXX but this has to stop either the Government has to do it or someone should. 

STEP 5 ; XXXX XXXX DOES NOT HAVE THIS NUMBER XXXX I HAVE HAD THIS CELL PHONE FOR OVER TEN YEARS. I DO NOT KNOW ANY SUCH PERSON THEY ARE LOOKING FOR. THEY HAVE BEEN TOLD SEVERAL TIME NO SUCH PERSON, PERSON XXXX ( THINKING THEY WOULD STOP ) THEY CONTINUE TO HARASS ME DAY AND NIGHT BREAKING COLLECTION LAWS AS WELL BY TIMES CALLED, THREATS, ETC

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint: Experian advised me to contact a collector ( XXXX ) for proper documentation since they had validated a dispute I initiated with the CRA. I followed their advise, to which the collector was unable to properly validate. I never received validation from collector after several attempts, I just received a printout. I then sent all documentation to the CRA and asked them to remove the account in question, to which their final response was ... '' We have previously processed this dispute and the credit grantor has verified its accuracy. " ... we will not re-investigate. I have all supporting documents including printout if needed.

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 09/29/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I contacted Transunion about an Unauthorized Hard Credit Inquiry that appears on my report. I have tried unsuccessfully to have it remove as they claim they are not able to do that. I have contacted the company ( see below ) and also requested they remove it and they told me it was an Error on Transunion 's part as they did not do a hard pull. Neither wants to address the problem and I want this information taken out of my report as it is inaccurate and possibly a fraudulent request to obtain information about me without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Inquiry Type : Individual Requested On : XX/XX/2016

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 05-03-2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WA).
Issue: Closing/Cancelling account

Complaint: This case has a prior case number from XX/XX/XXXX XXXX, Bank of America. 
I filled out an application in XX/XX/XXXX, I did not even know I was approved for this account until XX/XX/XXXX. I was out of town for a month. I received the terms in the mail and someone from Bank of America Phone me to find out why the Card was not Activated. 
I explained that I did not want the card because of the {$79.00} annually and interest. I told the person I was returning the card un-activated and I did. But they show it delinquent in all of the credit bureaus with a 30 day late status because of the {$79.00} fee. This Account should have never been reported because the Card was declined. Here is XX/XX/XXXX and I find out after applying for credit in XX/XX/XXXX that this is still a problem. I want this removed. Bank of Americal told me this was resolved in XX/XX/XXXX, Her name was XXXX but I see now it is not true.

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 08/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Village Capital & Investment LLC (GA).
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 have tried to resolve this issue through cfpb on XXXX previous occasions and it has not been resolved yet. 
Complaint Numbers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX requested a letter from me authorizing the Credit Bureaus to remove the Hard Inquiries and she sent XXXX XXXX XXXX XXXX authorization for release to the credit bureaus. but XXXX XXXX XXXX has yet to remove them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I 've been trying to dispute this alleged collection debt of {$1200.00} that Diversified Consultants ( DC ) claim I owe. I sent DC my first certified letter dated XX/XX/2017, which requested them to remove this false debt or send proof that validates this debt with my signature, according to the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and my state laws. Valid evidence should contain my signature, agreeing that I ever had an obligation to pay them. If no such documents exist, all collection debts from Diversified Consultants should be ceased and removed from all my credit reports. DC replied with a letter dated XX/XX/2017, stating that they found the debt " valid. '' Their verification included a letter from XXXX, which included an itemized bill. I also noticed the address on XXXX bill doesnt belong to me. Theres also no signature agreeing that the debt should be paid to Diversified Consultants. DC 's evidence is invalid. I sent a second certified letter dated XX/XX/2017, which DC received on XX/XX/2017, according to the signed return receipt. I included in the letter that they failed to provide viable evidence, and I also state, " as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. '' For a second time I requested them to cease collections or send proper documents. I have not heard back from Diversified Consultants since, which show they lack the proper documents. However, they continue to falsely report this debt on all my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: Effective XXXX XXXX, 2017, a consumers credit report may look a little different than in the past. It is to my inderatanding that my credit report will require any public record, such as a lawsuit, judgment or real property lien submitted for reporting on a consumers credit report, to include the consumers name, address and either their Social Security number or date of birth. If any of this information is missing on a reported public record, it will no longer be reported on a consumers credit report. Please investigate this matter. I have 3 bankruptcies on my report and 1 lien.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2017 about Credit card () with AMERICAN EXPRESS COMPANY (MD).
Issue: Billing statement

Complaint: I applied for a credit card on-line last XX/XX/XXXX from American Express. I never received the card or any statement. In XX/XX/XXXX I received a statement requesting a fee for {$95.00}. I called and told them I never received the card and do not want the card now. They have refused to remove the fee since they say it was over 30 days since I applied for the card.

Company response to consumer: Closed with monetary relief