milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-03-2015 about Payday loan () with Advance America, Cash Advance Centers, Inc. (RI).
Issue: Charged bank acct wrong day or amt

Complaint: Advance America charged my bank account that was already closed after the date the loan was due. 
I was expecting this check that I had written them to post the day the loan matured. I then received multiple fees and it caused another payment to return because of those fees ( {$35.00} each and they presented it twice plus the one that returned because of those fees ; resulting in XXXX in overdraft fees ) which ultimately led to my bank account being closed. 
Additionally, they have been advised via written notice to not contact my place of employment and they have called 4 times a day since the notification went out on XXXX XXXX, 2015. This company is putting me at risk of losing my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: On XX/XX/XXXX I submitted a complaint with my police report showing I have been a victim of identity theft. There were several items taken off of my credit including inquiries that I did not authorize. In XX/XX/XXXX I received notice that XXXX had experienced a data breach and information was compromised. On XX/XX/XXXX I pulled my credit report to qualify for a home loan and a account from XXXX XXXX XXXX was located on my credit report. I have called all 3 credit bureaus as well as XXXX XXXX to resolve this issue. I have faxed over police report and findings and these credit bureaus have refused to remove these derogatory items. I also noticed that I have a inquiry from XXXX XXXX XXXX which I also did not authorize. There is specifically a note on my account that advises credit can not be pulled without my authorization and that has not happened. I truly feel like my right as a consumer under the FCRA have been compromised. Please look into this matter immediately.

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 07/24/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (CA).
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint: Navient have had  XXXX  collection agency call me on a fraudulent student privet loan from  XXXX  college in  XXXX   XXXX  that I did not Authorize in   XX/XX/XXXX . These loan w as signed by  XXXX  college consolers while I was hospitalized.  XXXX  college was later closed down by the federal and state government for the practices. I have tried to get this matter taken care of and was also contacted by California Attorney general office in because of this matter about  six years ago . Navient have not only committed fraud with  XXXX  college and the lender, But have repeatedly tried to have me pay for a loan that I never approved.   My name is  XXXX   XXXX   XXXX   XXXX  Date of Birt h  XX/XX/XXXX . T hey just had a company name  XXXX  call me repeatly there address  XXXX   XXXX   XXXX   XXXX , ny  XXXX  (  XXXX   )   XXXX . If your company contact California you will see that charges and a class action was file against  XXXX   College  for these fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was sold by XXXX XXXX XXXX to Nationstar Mortgage. I looked up Nationstar online and read all of the horror stories about how inept of a company Nationstar is. So I refinanced my mortgage with XXXX XXXX and the process went smoothly. XXXX paid my loan off on XXXX XXXX. I was told many conflicting stories about when I would receive a check with my escrow balance when I called their support center multiple times. I was told my balance was cleared to be sent on the XXXX and a check was mailed on the XXXX that I never received. They will not send my check by certified mail/XXXX/XXXX with a tracking number and they wo n't wire my money to me. They are purposely sitting on my escrow balance of {$1800.00} and wo n't send it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (RI).
Issue: Managing the loan or lease

Complaint: In XXXX XXXX, I leased a brand new XXXX XXXX XXXX for 24 months from XXXX XXXX XXXX in XXXX, RI. My payments were automatically debited from my account each month on the XXXX. I never missed a payment. In XXXX XXXX, I bought a XXXX XXXX. XXXX XXXX in XXXX, RI figured my mileage overage and the rest of my lease payments and rolled it into my loan. I received the check somewhere in XX/XX/XXXX/XX/XX/XXXX XXXX to payoff Toyota Financial Services for the rest of the lease. I turned in my lease to XXXX in XXXX XXXX a few days after I purchased my XXXX. XXXX kept taking out the lease payment and the gap insurance each month, roughly {$330.00} total. They stopped the payment in XXXX. They had tried calling but I did not want to pay out the remainder of the lease until I received a bill. I never received XXXX. I am buying a house. My credit as of XXXX XXXX, XXXX was XXXX. My loan was approved for 5 % down between 4-5 %. I have been working with a broker to get my score higher. My credit showed a balance from Toyota for {$280.00} ( on-time payment ) as shown in the report attachment dated XXXX/XXXX/XXXX as the last line item. You will also see my loan from XXXX. My broker instructed me to just call and pay Toyota to clean up my report. I called to pay the {$280.00} and the representative asked what made me think I only owed {$280.00}. I said because it was on my credit report, even as an on time paid account. They told me no, that the balance was now {$5000.00} ( the date I called was XXXX XXXX ). They said they sent the letter out XXXX. I received the letter in the mail on XXXX XXXX. As of XXXX XXXX ( the day I called mind you ) according to XXXX ( see attached screen shot ) my credit dropped from XXXX on XXXX XXXX to XXXX as of XXXX XXXX. Toyota reported the {$5000.00} charge as a charge-off. Now, this is showing as a late payment the first time in over 80 months of my credit history and is coming between home ownership and myself. With my credit rating dropped, I am unable to afford the high percent rate of the loan and 10 % ( from 5 % ) down payment on my new home, scheduled for closing XXXX/XXXX/XXXX. I am supposed to close XXXX XXXX and all was set until Toyota messed up my credit rating just days ago from a lease that I turned in early, approximately XXXX XXXX from the end of lease date of XXXX/XXXX/XXXX. I want this taken off my credit report so I resume buying my house with the terms that were set in place with my mortgage approval. I have spoken to more than XXXX representatives in the past 3 business days and all I get is we are researching it and if Toyota made a mistake, they would credit the account and then take it off the report ... but no one is working on it or calling me back. I demanded they take it off my credit and received no resolution. I am on a tight timeline with my Purchase and Sales agreement and no one at Toyota is responding. Please see attached docs.

Company response to consumer: Closed with explanation
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Did not have sufficient security to stop a breach of biblical proportions. It 's embarrassing. 134 million users information leaked

Company response to consumer: Closed with explanation
Consumer complaint received 11-04-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Credit determination

Complaint: i like fia and do not want to do this. FIA card services i asked for credit line increrase on card ending XXXX was declined for reasons not accurate. i have not asked before now. and i do pay. i was granted XXXX on another card recently. with it this way i will not use it much. these reasons are inaccurate. i ask for someone to check it since i can not wait on hold all day i wanted XXXX line now there is a hit on my credit card line.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/19/2017 about Debt collection (Other debt) with International Computer Systems, Inc. (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: currently on my personal credit report i have a charge from XXXX XXXX located at XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , Illinois , XXXX. This company which specializes in debt collections is alleging that i owe XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$240.00} from XX/XX/2017, i have NO contracts with XXXX & XXXX i currently rent and the owner has been paying XXXX XXXX XXXX i have no contract with XXXX XXXX XXXX nor do i have a contract with ICS. Further more ICS has not shown me any proof in writing, they have never contacted me about this issue. i have already made disputes with my credit monitoring bureaus and i am making sure this is taken off of my credit report as i never opened any accounts with either XXXX XXXX XXXX or ICS, this is basically fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 09/30/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with National Credit Systems,Inc. (GA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: In XXXX on XXXX XXXX, we were evicted from our home. My Partner died on XXXX, XXXX, we all lived together. On my credit report they are charging me twice as much and Magistrate Court said we owe them less. I only want to pay my percentage, I 'm having a lot of difficulty renting and /or buying a home. Please help me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2016 about Debt collection (Medical) with Collection Management Company (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This debt was purchased by a debt collector after it was written off by the hospital. The hospital was paid through my insurance retroactively. I do not owe this to the hospitsl, this debt should never have been sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I have contacted Transunion about this several times to no avail. I have a public record reflecting on my report ( XXXX ) that was removed and then placed back on my report. I did not receive any kind of notification that it would be placed back on my report. Furthermore, it is inaccurate. This tax lien is not mine. I have contacted both XXXX XXXX and the XXXX County Court House and they confirmed that they have no records of Transunion contacting them to verify this information. I also have XXXX hard inquiries reporting ( XXXX XXXX and XXXX ) that are for the dates of XXXX XXXX, 2015. I did not approve these credit inquiries. While car shopping, even though I already had secured a loan, the dealership ran my credit without my approval.

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 04-11-2017 about Payday loan () with CURO Intermediate Holdings (MO).
Issue: Charged bank acct wrong day or amt

Complaint: Bank charged me an overdraft fee and they charged me over and over again before our agreed upon date.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I submitted a dispute to American Express in the amount of {$5000.00} for a charge that was not authorized. The first response back to me from American Express ruled in favor of the merchant ststing that they provided proof that I made this transaction This merchant had submitted handwritten falsified information to AMEX including forged signatures and adding my name to invoicing. I was able to obtain the original paperwork that was submitted to American Express and to my attorney. The documents submitted showed that all correspondance and billing from this merchant in the past was never handwritten and printed from a computer system. I have made transactions with this merchant in the past where I was present, but that was not the case here and AMEX 's policies clearly state " American Express Cards are non-transferable, so they ca n't be borrowed or loaned " I had authorized a transaction on XXXX/XXXX/2016 in the amount of {$4600.00} to help my partner and I was present every time there has been a transaction. There was a warranty of XXXX or XXXX miles with that transaction and the reason that the car ended up back at this merchant was due to their equipment failure that should have been covered under the warranty. There is paperwork attached stating that {$0.00} balance was owed and then when the vehicle was being picked up the merchant tried to bill {$13000.00} without consent before the vehicle was completed which is illegal in the state of Florida. It states directly on all of their paperwork that customers must receive a written estimate if the final bill exceeds {$100.00} and estimates were not provided until the day that the vehicle was complete and ready for pick up ( merchant attached forged copies and you will notice that the date on those copies is the date of the alleged transaction ) I refused to pay and the merchant locked me out of the store, so I did not make this transaction. After resubmitting all of the proof ( documents ) to American Express they are still tying to make me pay for something I did not purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2016 about Debt collection (Medical) with California Accounts Service (CA).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I am extremely disappointed with XXXX XXXX XXXX. Over 6 years ago I had work done at with XXXX XXXX of XXXX XXXX XXXX. They always told me they would work with my insurance company on payments. After 8 months they sent me the first invoice, a past due bill and threatened to send me to collections. I worked hard to settle with them even up 1.5 years after the work was completed. They stopped communicating with me and now after 5 years they sent me to a collection agency for twice the amount. I called the collection agency to try and settle again and was told that XXXX XXXX did not want to settle and instead instructed the credit collections company to report it as a collection account to the credit bureaus. They wanted to have my credit score damaged. 

I do n't think this is any way to run a business. I offered to settle and they have decided to be spiteful instead and damage my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2016 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Despite YEARS of stellar credit reports and scores, at or about XXXX for each reporting agency, I was a couple of weeks late paying XXXX credit card bill and my score dropped over XXXX points! Really, over XXXX points by each agency. This is unbelievable. I have not been late paying any bill in many many years. I was in fact in the hospital undergoing transplant XXXX at the time this bill was due. I do not dispute that payment was late but after my very long history of cultivating exceptional credit status this XXXX point drop must be seen as excessive. In addition, I am in the middle of refinancing our house and this credit report, as it stands now, is costing me money. 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 02/21/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Identity theft fruadulent account under my name i did not apply or open this account XXXX XXXX XXXX XXXX XXXX  Open XX/XX/15 Amount 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 04/17/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: I did not receive a notification from my student loan servicer ( NAVIENT ) re : needing to renew my XXXX status. After I discovered it had lapsed two months later ( Navient sent me a notice that they had capitalized the interest, but it took XXXX inquiries and over a month for them to respond to me as to what had happened ), I refiled all the paperwork ( XX/XX/XXXX ) and checked with the loan provider XX/XX/XXXX to ensure everything was in order ( Navient confirmed that it was ). On XXXX/XXXX/16, I received a notice that my proof-of-income paperwork did not indicate the pay frequency ( it did, and they previously confirmed this ) and asked me to resubmit. When I logged into the " old '' version of their website ( they recently updated their website, which does not provide all the important options ), I saw that they somehow had no record of me submitting any documents to them ( despite the fact that I had, they had confirmed it, and the recent email said I had submitted documentation [ albeit insufficient ] ). So now I have been in a standard repayment plan -- - rather than my XXXX -- - for over 4 months because of their failure to notify me of the need to renew and errors on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax had a data breach on XX/XX/XXXX, which contained my personal, sensitive data potentially including my social security number, bank accounts, credit cards, etc. However, Equifax did not announce the data breach until XX/XX/XXXX. 

After providing the necessary information in their website www.equifaxsecurity2017.com, it was confirmed that my data was impacted by the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2015 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I am going through a hardship, I applied for a modification ; I was approved for modification on XXXX/XXXX/2015, payments are {$710.00} more than i was paying. 
( total payment is {$3100.00} ). This is not an affordable payment for me, could you please research a longer term loan ( 50 yrs possibly ), AND a principle reduction to the current market value of my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2017 about Debt collection (Other debt) with TRANSWORLD SYSTEMS INC (CT).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I went to a  XXXX  minute clinic for services in  XXXX    XXXX  . Thinking my  XXXX  card used that day was sufficient, I later learned that it was n't. I first learned that I owed money not from receiving a bill from  XXXX , but collection notices from  Transworld Systems Inc. a fter the second notice, and some of my own research that I in fact had n't paid  XXXX  yet, I then paid my debt of {$100.00} directly to  XXXX  in  XXXX    XXXX  . I am still receiving collection notices fro m TSI ( 4th   n otice ).

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Debt collection (Medical) with Convergent Resources, Inc. (NV).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: My account has been passed from one collection agency to another. The lastest one is XXXX XXXX XXXX. They are hard to reach and XXXX gave me a hard time and the run around. He also refused to let me speak to a manager or supervisor. He also blocked my phone number so I could n't call back. 

I originally called to negotiable a lump sum settlement for {$700.00}. I received a letter from However, I could n't complete the transaction because of XXXX 's behavior. 

I was able to speak to a female account representative who was willing to accept my offer. Unfortunately, when I called back to give her my fax number, I got XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (CO).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I have a new car that I have been making payments on that was not part of my CHP XXXX financed through Ally Bank. I have been making payments on time since XX/XX/XXXX. I contacted Ally who has not responded on fixed the reporting error and the CHP XXXX paperwork clearly shows it was not part of the CHP XXXX, but the credit reporting agencies are reporting as part of my CHP 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 06-08-2017 about Debt collection (Auto debt) with Financial Assistance Inc (WA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint: Contacted by  XXXX   XXXX  from  Financial Assistance. As ked her to send me proof of the contract I signed she refused and started yelling how she will sue me and tried to get my address so she can serve. Would not let me get a word in, just kept yelling and making threats. I also told them before not to contact me on my personal cellphone number and she still did.

Company response to consumer: Closed with explanation