milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-01-2018 about Payday loan, title loan, or personal loan (Title loan) with WHEELS FINANCIAL GROUP, LLC. (PA).
Issue: Charged fees or interest you didn't expect

Complaint: ja m a Service Connected XXXX Veteran with XXXX  health diagnosis. I became unable to work full time and began to have financial hardships. I was waiting for unemployment and needed some money to carry me until it was approved. This was in XXXX XXXX XXXX. I contacted XXXX and told them about my hardship and asked for a loan of {$2500.00}. I was told that I had to take out {$5000.00} or more. When I took out this loan I was under duress and was confused about the terms and conditions. I asked what was owed on my account and I was told that I owe {$6700.00} which was {$1700.00} more than I borrowed even though I have been paying for a year. 

Loan Date : XXXX XXXX Loan Amount {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 01-08-2018 about Credit card or prepaid card (Store credit card) with STERLING JEWELERS, INC. (AL).
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint: I was shocked when I reviewed my credit report and found the late payment on the dates below : 30 days late as of XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-12-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TN).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This account was paid to XXXX. I have no idea what company this is that is trying to collect addition money. I switched over from XXXX to XXXX XXXX XXXX and from my understanding XXXX XXXX XXXX was to pay from me switching over. This is a thrid party trying to collect funds when account was closed. CONVERGENT OUTSOURCING

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 04/17/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have the following inquiries on my credit report that doesnt belong to me. 

1. ) XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used 2. ) XXXX/XXXX XX/XX/XXXX XX/XX/XXXX Department And Variety Stores - non specific 3. ) XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company XXXX XXXX XXXX XXXX, FL XXXX BYMAILONLY

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 08-12-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I had paid off an apartment collection from 3 years ago and sent equifax a notice to update the balance. They claim that they verified the balance however my letter show 's the account was to be updated and removed. They are liars and ca n't believe that they can just get away with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/18/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (MN).
Issue: Loan servicing, payments, escrow account

Complaint: Quicken Loans " allows " me to make bi weekly payments, but then states they do not apply them bi weekly to reduce the interest on my loan. This is at the least unethical and deceitful. I want my biweekly payments that they take automatically out of my checking account credited when I make them. My loan was taken out with biweekly payments as part of the conversation with my loan officer so I can pay the loan faster and keep the interest down.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2016 about Bank account or service (Other bank product/service) with TD BANK US HOLDING COMPANY (MA).
Issue: Account opening, closing, or management

Complaint: I was scammed by someone that opened an account at TD Bank. They were able to open an account - identifying themselves officially on the account as " XXXX ''. They told TD Bank that it stood for XXXX XXXX XXXX XXXX. As part of their scam which was successful ( when I wired money to them thinking I was buying a car ) they told me that stood for XXXX XXXX XXXX Account. Why anyone receiving large sums of money should n't have to identify themselves -I have no idea. But TD Bank is making it easier for Scam Artists to operate in this way. I 'm sure the scam artists appreciate TD Bank accommodating them.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2016 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (OR).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I get repeated phone calls from Midland Credit all day, every day starting just after XXXX XXXX. until XXXX XXXX.. The only day missed was XXXX. I am retired, owe no one and have no previous unpaid debt. They may even call 5 minutes apart, but usually 3 to 6+ times throughout the day. They call Sundays starting early, too. No one else lives here. This has been going on for a year, along with all the other offshore scam calls and fake threats from the " IRS ''. My theory is the calls may relate to someone who has listed me as an emergency contact, or they are trying to scare me to try to extort money from me for a bogus claim. If they think I owe them, they should contact me by mail. They have not done so, so I can only assume they are scammers. I think these people consider the XXXX to be prey. They never leave a message, so I consider this plain harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Fidelity National Information Services, Inc. (FNIS) (MS).
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint: The overdraft that is showing on my XXXX from XXXX XXXX  is not correct from 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 08-04-2017 about Debt collection (I do not know) with Rash Curtis and Associates (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have tirelessly tried to resolve this matter with this collection company but to no avail. I found this company had reported to my credit report an account which I believed was not a valid debt and didnt belong to me.
I sent them by certified return receipt mail a debt validation letter dated XXXX XXXX, 2017, which they conveniently ignored. Concurrently when I disputed the item with the credit repositories, I was told that the debt collection company responded back to them affirming that this account was valid. I am appalled that this company continues to violates my rights and refuses to delete the account despite not being able to provide the original debt instrument.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2017 about Mortgage (VA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (CA).
Issue: Credit decision / Underwriting

Complaint: My bankruptcy was finalized before the reaffirmation could be XXXX, so XXXX sold the loan and the new company ( Carrington ) is now reporting the mortgage as well on my credit report as " Debt included in Chapter XXXX Bankruptcy on XXXX XXXX, 2013 ''. So why are both XXXX and Carrington allowed to both report this when there was only XXXX loan that we continue to pay and pay on time.

Company response to consumer: Closed with explanation
Consumer complaint received 01/14/2016 about Consumer Loan (Installment loan) with Wakpamni Lake Community Corporation (TX).
Issue: Problems when you are unable to pay

Complaint: I took out a loan from XXXX Boulevard Cash '' back in XXXX 2015. Unfortunately, due to circumstances, I have not been able to re-pay the loan. While I understand this is a debt that must be paid, I can not make the payments right now. I have communicated that to the debt collector " XXXX XXXX '' who calls me on a weekly basis to follow-up with my status. Back in XXXX 2015, XXXX XXXX started calling my work daily and would give information to my colleagues. Since I work at a XXXX, the debt collection calls at work were inappropriate and I contacted Boulevard Cash to stop calling me at work. They agreed to remove my work phone number. However, today, I received a voicemail from Boulevard Cash at my work number. XXXX XXXX was following up on the same debt that has been pending with Boulevard Cash. I have asked for him to provide me IN WRITING with the debts that are owed. He stated on XXXX different occasions that he would and I sent an e-mail to " XXXX XXXX '' to give me the debts in writing as well, with no luck. I would like Boulevard Cash to be made aware that they CAN NOT call me at my work number. The only number that I should be contacted at is my cell phone number, which is the number they already have on file : XXXX. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2015 about Bank account or service (Other bank product/service) with SUNTRUST BANKS, INC. (GA).
Issue: Making/receiving payments, sending money

Complaint: In XXXX 2015 I made a mortgage payment to the Suntrust Bank at XXXX XXXX XXXX and the payment was misapplied, which showed a non payment for the month of XX/XX/XXXX, which it was intended to be. Instead it was applied for XX/XX/XXXX. 
This is now the second occurrence this year and the first was in XXXX at the XXXX XXXX XXXX. 
I received a call in XX/XX/XXXX of this year stating that I was over due in my payment and had to prove to the bank that in fact it was there error. It too three weeks for them to correct. 
The correction for XX/XX/XXXX is still pending.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with First National Collection Bureau, Inc. (MA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Ive came to a settlement agreement and paid the Requested payment later they still kept going after the Remaining balance and claim the person I made the agreement with no longer works for the Company, but they will send me the settlement letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with GLA Collection Company, Inc. (IN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I filed a dispute with the credit bureau and the company asking them to validate the account and any information they have proving it belongs to me and they have not done so and it 's been over 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/25/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a student loan with the Department of Education that had been sold or handled by the company " XXXX XXXX XXXX ''. I have paid my loan as directed to XXXX XXXX XXXX. now, my credit report shows that I have a loan for XXXX and the department of education. With the department of Education loan being in default. WHen I called the dept of education, they claim I have no account with them anymore and that I have to handle this situation through the credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: On XXXX XXXX, 2017 XXXX deleted Acct # XXXX from my credit file and I would like Transunion to follow suit and delete this tradeline from my credit 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 12-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: On XX/XX/2017 at approximately XXXX I contacted Transunion to inform them that I did not recognize several of the hard inquiries on my credit report. 

I had just contacted XXXX with the same information last week or so ; they filed a dispute form to have any incorrect information removed ( normal process ). 

When I contacted Transunion with the same information today ; they informed me that the only way to remove the incorrect data was for me to contact the companies myself, get them to write a statement of deletion ( or something to that effect ), then to forward those statements to Transunion, then for me to write Transunion and tell them in writing to remove the incorrect information ( after they have received the statements of deletion from the companies in question ). 

OR, I could send them a police report filed for identity theft with those companies listed. 

OR, I could wait two years. 

Even though I told them that I did not recognize any of the companies except for my car loan ( XXXX XXXX ), so as far as I am aware, these companies have made hard inquiries into my credit without my authorization. 

I asked each person I spoke with to confirm that we were on a recorded line, and that they understood that they were refusing to remove fraudulent information that they were now aware was made in violation of the law ( running a hard check without my permission ), and each of the three Transunion employees confirmed that that was the case. 

I also asked them if a company ran a credit check without my permission, why would they give me a confirmation of that in writing by mailing me a " statement of deletion ''? 

As well as the question of ; why should I have to spend my time tracking these companies down and pleading with them to send me letters to remove information that I did not authorize to begin with? 

Is n't tracking valid and invalid credit the job of the credit reporting agencies in the first place? They used to follow normal process and file a dispute to send to the companies ; is Transunion hurting for money? Can they no longer afford the staff to run the company? 

I do n't know, but I do know that I do n't have the time to track down companies and ask for letters to have unauthorized information removed that I did n't put there. 

thank you for your time in this.

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 06/20/2017 about Debt collection (Payday loan debt) with Commercial Recovery Systems (OH).
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint: On  XXXX  I was contacted by CRS  XXXX . The gentleman told me he was a lawyer who needed to get my side of the story on a debt I owed before going into court. He stated he was a lawyer and that the company I owed the debt to had filed legal action against me for check fraud that was punishable by jail time, fines, and restitution. He stated that unless I gave him my debit card information immediately they were going to move ahead with the legal filing against me. What can be done about this?

Company response to consumer: Untimely response
Consumer complaint received 04-06-2017 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Settlement process and costs

Complaint: We have been long-time customers of Chase Bank in XXXX, CA, who holds our mortgage, checking, savings, safety deposit accounts. We are even rated as a " Chase XXXX ''. For the last 7 years, we have been denied to refinance our property because they said we are not eligible because we did not live in our house. Not sure why this is a reason since it is our residence and we pay property taxes on it. So we have been paying a high mortgage rate of 6.35 %. Nevertheless, when we move back to XXXX in XX/XX/2016, we immediately went to Chase to refinance ( XXXX, mortgage broker ). They said it would take no more than 90 days and lock us in at a rate of 3.25 %. We provided an excessive about of financial and tax information and we are now going on over 8 months that the refinancing has NOT been approved. By the way, we have enough money in the bank to pay off the loan so the excessive requests about our personal finances seems unnecessary. We feel the bank does not want to refinance us since they would loss money. We believe this is unethical and unwarranted.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Student loan (Federal student loan servicing) with CITIBANK, N.A. (LA).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: In Citibank 's reply to my previous complaint, case number XXXX, they state : We have reviewed your account regarding your concerns with information Citibank reported to the credit bureaus about your student loan. Our review shows that your loan XXXX, a Federal Consolidation Loan, was sold to XXXX XXXX in XXXX 2011. As we have previously informed you, the information that we have reported to the credit bureaus is for the period that your loans were serviced by Citibank. We have reported the payment history for your loan as well as the fact that it was sold. The information Citibank has reported is accurate and will remain on your credit report for a period of up to seven ( 7 ) years from the last date of activity in accordance with the requirements of the Fair Credit Reporting Act ( FCRA ). 

The sections of the FCRA that you have referenced in your letter to the CFPB are not applicable in this instance, and therefore, we are unable to delete our reporting of your student loan. 

Citibank is failing to recognize it does apply because it 's a sold account and I was never notified in writing under FCRA 's 623 a 7. ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 

Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

FCRA Section 623 of the Fair Credit Reporting Act, Appendix A to Part 660, Title 16, Code of Federal Regulations, and the Consumer Data Industry Association 's Credit Reporting Resource Guide. Page XXXX of the Guide explains that " Both credit grantors and consumers depend upon consumer reporting agencies to acquire and maintain accurate credit histories. '' Page XXXX provides that accounts may be deleted if the account has been forwarded or sold to another agency, if the account was cancelled and returned to the original creditor, if the account was reported in error, or if the account has been confirmed as fraudulent.

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 03/15/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with North Shore Agency, LLC (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: This company is not licensed to collect a debt in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 07/17/2015 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient, formerly known as XXXX XXXX, has reported 3 of my payments as " late '' to credit agencies when the payments were not late. Although Navient has reversed the late fees that they had initially charged, once I brought to their attention that there were no late payments, Navient has never notified the credit agencies of this error. The dates/months/years falsely reported as " late '' are as follows : - XXXX/XXXX/2010 ( was charged a late fee in the amount of {$25.00} ; fee was reversed the same month ) - XXXX/XXXX/2010 ( was charged XXXX late fees : {$20.00} AND {$13.00} ; XXXX fees were reversed the same month )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/25/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Diversified Consultants, Inc. (OR).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I was contacted once on XXXX/XXXX/XXXX by Diversified Collections Inc about a debt of {$98.00} that I do not owe. Supposedly the company that they told me i owed the debt was XXXX XXXX. I cancelled my account with XXXX on XXXX/XXXX/XXXX and they still billed me for XXXX XXXX which i paid on XXXX/XXXX/XXXX for {$31.00} I have called XXXX and they have not replied to my phone calls. I have already overpaid them {$31.00} for XXXX service they billed me which I didnt have. I need this to be taken further and taken off my credit report. -- Thank you very much-

Company response to consumer: Closed with explanation
Consumer complaint received 09/29/2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: Credit Bureaus need to be held accountable for their neglect and I want violation penalties accessed and awarded to avoid additional litigation and hardship that will be placed on the courts and myself. These are the only adverse items on my credit report and it has caused me extensive damage and financial hardship. Despite Federal / State law and numerous request for the credit bureaus to delete and disregard the negative items and balance owed on all accounts reported by XXXX XXXX Bank previously XXXX XXXX Bank they have refused to comply. Litigation Case XXXX XXXX XXXX XXXX XXXX. The Judge ruled against bank for possible Mortgage Fraud, all payments and funds are held in XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation