milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04/26/2017 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (IN).
Issue: Charged fees or interest you didn't expect

Complaint: I applied for a loan w ith Big Picture Lo ans on  XXXX   XXXX . I was approved for {$1100.00}. I instantly received the funds the next day along with an approval email. It was only then I was given the terms of the agreement. I had NO idea what I was getting into. The loan had a 732.3534 % interest rate with a total payoff of {$8900.00}. I was paying {$280.00} bi weekly. I have already paid what I originally borrowed. I am having financial difficulties and emailed them a memo on  XXXX   XXXX ,    2017, r equesting they stop the ACH payments. I explained my situation  ( un employment ) and asked them if they would stop finance charges and settle with me, in hopes to avoid bankruptcy. They agreed to do so, however, they requested I make biweekly payments of {$220.00}. They insist I still owe them {$1400.00}. They claim I have not paid one penny towards my principal borrowed amount. I have contacted the Indian a State Department of Financial  Institutions and was told that Big Picture Loans is n't even licensed in Indiana, which would make this an illegal loan at illegal rates.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with I.Q. DATA INTERNATIONAL, INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This complaint is against XXXX located in XXXX, TX. I was living there for 2 years. XX/XX/XXXX-XX/XX/XXXX. Few weeks after I moved out I received a phone call regarding debt collection of {$110.00}. The collector was IQ data international. I disputed the amount and I did not want to pay them a penny. The did harm my credit score, so after few month I decided to pay the just so they can close and remove the debt collection from my credit report. The promise the will, which they never did even though I paid them in full. The debt on my credit report showing under XXXX and that 's who I should come after. I was not suppose to pay at all, but even after I paid that they keep harming my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12/20/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (CA).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I was contacted by the company, Franklin Collection Services on XXXX XXXX about an apparent debt that I owed to XXXX. I informed the woman on the phone that I was not aware of a debt to XXXX and would like a letter from XXXX stating what my debt actually was. She said that it would take time to get the letter but that calls would continue until then. I understood this and someone else called around a week later and I stated that I was aware of their companies attempt but that I was still waiting on the letter from XXXX. She said she saw the request and hung up. Then today, XXXX XXXX, I receive a call from a male employ at the company and I state that I 'm still waiting for the letter and he rudely informs me that the letter is not coming because I do n't rate XXXX. I explain to him that I previously requested this letter and XXXX previous employees told me it was coming and counters with that I 'm not getting XXXX because I did n't ask in writing. I tell him that this is right to lie to people and it is against the law and he tells me I do n't know what I 'm talking about. I then tell him that I 'm aware he works for a company that gets paid based off these abilities to collect and he again tells me that I do n't know what I 'm talking about. He then cuts me off in the middle of my sentence and asks me if I 'm just going to pay the debt or not and I tell him no, not without the letter and he says that I am being written down as a refusal to pay and hangs up on me.I look up my rights through the cfpb information database and call them back and tell them that they have violated my rights by lying to me and they put me in touch with the supervisor. As soon as I tell him that I am aware of my rights, he is able to immediately supply me with a form from XXXX that supposedly I did not rate up until the point that I informed them that I was aware of my rights. This is very shady and bad business in my opinion and know I honestly do n't know if I can trust this company.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: Navient student loan company has been calling me XXXX 4 times a day regarding a loan I co-signed for someone. It 's very irritating. They call with different phone no. 's

Company response to consumer: Closed with explanation
Consumer complaint received 09-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint: I have been shopping on-line for a new car. I get an ad from XXXX to which I responded ( X/XX/17 ) ; after I fill in the information regarding the type of car that I 'm looking for I get the following message : Next Step The next step is to obtain a copy of your most recent Credit Score. Click Below to get your FREE credit Score & Credit Report for {$1.00}. Like an XXXX, I clicked on the link and was sent to TransUnion. After providing them with their requested information I was shown my score ( XXXX ) and welcomed as a new customer to their credit monitoring service and that after a 10 free trial I would owe them {$100.00}. There was no link back to XXXX so it appears that the whole scheme was to trick people into subscribing to their monitoring service. This is nothing that I want. 
The next day, after receiving a confirming email from TransUnion, I immediately called to cancel this service. I apologize to the poor woman in XXXX to whom I talked ; I understand that she was only trying to get through the script that she had been given and my yelling at her did n't help. They did agree to cancel. Since then I have been solicited from several sources that want to help me " restore, repair my credit '' So aggravating and time consuming. It seems that we are under constant assault from these scammers and have no protection or recourse.

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 07/25/2015 about Payday loan () with CHECK INTO CASH INC. (VA).
Issue: Can't contact lender

Complaint: Lender contacts for payment BEFORE the loan payments are DUE

Company response to consumer: Closed with explanation
Consumer complaint received 02-08-2017 about Credit card () with SYNCHRONY FINANCIAL (ME).
Issue: Closing/Cancelling account

Complaint: I had a Lowes Credit Card since XX/XX/XXXX and have never missed a payment until I had a serious car accident XX/XX/XXXX. I was in the hospital for two and one half months, XXXX then I went to XXXX. I am now home. During that time I called Lowes to tell them that I was XXXX from the crash. I told them about the crash and explained that once I was home I would take care of the account. I never dreamed I would be away from home for over three and one half months. My purse was evidentaly left at in my car after the crash. I have not seen it since. I live alone. I was in a hospital that was 2 hours from home and friends. I called Lowes on XXXX to notify them about the crash and they said OK. I called again on XX/XX/XXXX to give them an update and assure them that when I was able to get home I would pay what was owed. They said OK. I called on XX/XX/XXXX and was told that the account was closed. I did not have any warning that this was going to happen. I asked the supervisor why I was not notified and she said I had requested not to be called at home. I checkd that and it was on a form I filled out XX/XX/XXXX when I opened the account. I said why did n't Lowes send me a letter? She said they do not do that as it can be construed as a threat!! I have other credit accounts and each one like XXXX XXXX and XXXX, etc., helped me through this difficult time. Please can you get this account opened again for me so I can have a good credit rating? Thank you

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 monetary relief
Consumer complaint received 05/17/2017 about Debt collection (Other debt) with Protas, Spivok & Collins, LLC (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have been contacted by  XXXX   XXXX  regarding a debt I due not owe with  XXXX   XXXX  Apartments.  XXXX   XXXX , of the apartment community issued this debt based on a falsified statement regarding a  six  month lease that did not exist. Upon request of proof of any agreement to payment of the specified amount, I received no response. This debt is now in litigation with Protas , Spivok & Collins , LLC. I submitted an official debt dispute letter on  XXXX   XXXX  ; however, upon daily calls to  XXXX   XXXX  to follow up on the status of the debt and request removal of the chargeoff or a hold based on discovery, I have received no response.

Company response to consumer: Untimely response
Consumer complaint received 04/21/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Receivables Performance Management, LLC (GA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Spoke with my spouse without prior consent and I live in the state of Georgia which prohibits that

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 monetary relief
Consumer complaint received 02/27/2017 about Credit card () with SYNCHRONY FINANCIAL (PA).
Issue: Credit card protection / Debt protection

Complaint: I have a Sam 's club credit from Synchrony Bank. On a trip from NY my card was frozen and could not use the card for any transaction without the Synchrony bank notifying via phone or email. After I called the bank, they claim ther is nothing wrong with my card and should work. Upon numerours attempts at different locations, my card failed, I went to Sam 's club to rectify this anoying issue. Prior to me going to Sam 's club, I called Synchrony bank to update my profile over the phone since i could not do that online upon several trial. My phone was updated, according to the representative i spoke with. Yet after Sam 's club representation got on the phone and spent almost and hour with Synchrony bank, the bank could not verify my account because they claim they do not have any phone number on my account and the only means they can verify my account is to send me a snail mail, but they can not send an email neither even though i have an email address on my account profile. The letter i received from Synchrony bank state that they could not verify my account and they are sorry for the misharp. 

Currently i know my account will be due soon, but do not know the exact date and amount. Yet since i can not access my account via any means, the bank will be charging me for late fees and be placing such derogatory comment on my credit. 

To prevent this from happening, i have attempted on several occasion to contact the bank with no success. 

I want synchornous bank to activate my account, through the normal mean as permitted by law, via my new updated phone number and/or email.

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 09/13/2017 about Student loan (Private student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint: Hello CFPB, I 'm reaching out in hopes that you can help me resolve my current predicament with my student loan lender. 

I recently submitted an application ( attached to this complaint ) to have my co-signer released from my private student loans and, due to my debt to income ratio, it was subsequently rejected. After I received the rejection, I contact Navient to discuss the rejection reason because I believed it was incorrect or, at the very least, not a comprehensive review of my income. 

Although Navient confirmed I can submit a dispute to have my cosigner release application re-reviewed, they specified that their " procedures requires another credit check to be performed '' on the this disputer which, in my specific scenario, is illogical because I 'm not disputing my credit history, I 'm only disputing the income I disclosed on the application. Additionally, this issue arose from the way in which the application was written - the question of " Gross Annual Salary '' does not clarify whether it was Gross Annual Individual Salary or Gross Annual Household Income ( mine and my wife 's income combined ). 

When I spoke to the Navient Customer Service Rep, they specified that I could have either combined mine and my wife 's income under the " Gross Annual Salary '' section or included her income under the " Additional Income '' section. However, to me, this was not readily apparent when I completed the application because, from everything in the document, the questions appear geared towards the " individual '' rather than the " collective '' ( me and my wife rather than solely me ). 

My hope, by lodging this complaint, is to have my dispute handled without an additional hard credit check, especially since it 's been less than 48 hours since the initial check was performed.
For your reference, below is a timeline of the events : 1 ) Monday, XXXX XXXX, XXXX - I upload my application via Navient 's website 2 ) Monday, XXXX XXXX, XXXX - Navient performs a hard credit check 3 ) Tuesday, XXXX XXXX, XXXX - Navient emails me rejection notificaiton 4 ) Wednesday, XXXX XXXX, XXXX - I contact Navient to obtain information about filing a dispute, I 'm notified ALL disputes require a credit check. I request whether there 's an exception that can be made for me, since I do n't dispute the credit report and only want my application to be re-reviewed with my household income rather than my individual income. 

Should you require any additional information, please feel free to contact me and I would be more than happy to discuss.

Company response to consumer: Closed with explanation
Consumer complaint received 05/13/2016 about Bank account or service (Savings account) with WELLS FARGO & COMPANY (FL).
Issue: Deposits and withdrawals

Complaint: I am at my wit 's end with Wells Fargo and completely about to lose my XXXX! Please follow the bouncing ball : 1. On Saturday, XXXX XXXX, 2016 I went into a local branch ( sorry you now call them STORES ) to sign documents for a personal line of credit which I had secured via an on-line application. 
2. On Monday, XXXX XXXX, 2016 I received an E-mail from Wells Fargo advising that the loan was available. 
3. I logged onto my account only to find that {$6300.00} had been removed from my savings account, but THOSE funds nor any other funds had been made available to me. So they were holding my own money and I could n't access it. 
4. I immediately contacted the branch by both phone and E-mail and did not receive a response until after XXXX when a VERY condescending and rude XXXX XXXX XXXX called me. I understand he is the assistant branch manager and trust me, he needs to be fired. 
5. XXXX XXXX not only DID NOT want to assist me with solving the issue, he was insulting and would not let me ask questions. Every time I tried to say anything, he would begin talking over me. He 's XXXX, by the way. No customer should EVER be treated like I have been treated by this man or by any bank. 
6. On Tuesday a.m., XXXX XXXX, 2016, I was at the branch when it opened and requested that the loan be canceled. I asked XXXX XXXX to put in writing that he was canceling the loan as requested. He refused to do this. I left the bank not knowing whether he would actually do as asked or just bury the paperwork and leave me floundering. I think that IS exactly what he would have done if I had not gotten other people and posted comments on social media. 
7. On Wednesday, XXXX XXXX, 2016, I finally received a phone call from someone named XXXX in the " Executive Office. '' XXXX said the funds had been returned to my account that afternoon. When I logged into my account, the funds that had been withdrawn had indeed been returned to me. She said the loan was canceled. 
8. WAIT FOR IT ... .Because I no longer trust Wells Fargo , I logged onto my account just before XXXX only to find that {$6300.00} had AGAIN been removed from my savings account. 
9. I tried to talk to someone last night which was a COMPLETE waste of time. 
10. I have e-mailed, called a dozen times, sent messages, everything I know to do and crickets. Here it is Friday and no one is working apparently. Sure as XXXX no one is trying to resolve this issue for me. What XXXX happened to putting the customer first? What XXXX happened to the customer is always right? These are obviously not part of a code Wells Fargo chooses to follow. 
11. The {$6300.00} is MY MONEY, not YOURS! I want it returned to my account TODAY, no excuses, no exceptions. I want a FORMAL apology and I want interest.

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 06/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: On  XXXX   XXXX , I sent a letter to Equifax, asking them to investigate several errors that appeared on my credit report with their agency. Nea rly three month s have passed since I sent the letter, but I have yet to get any response whatsoever. They are supposed to respond within 30 days. I have even attempted to follow-up with Equifax several times, but I still get no response.     I am attaching a copy of the letter than I sent to Equifax in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2016 about Consumer Loan (Vehicle loan) with FIFTH THIRD FINANCIAL CORPORATION (TX).
Issue: Managing the loan or lease

Complaint: We have a vehicle loan with the bank and when we send the check to bank for endorsement the bank posted check toward loan balance instead endorsing check to get vehicle repair

Company response to consumer: Closed with explanation
Consumer complaint received 09/22/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with EQUIFAX, INC. (MI).
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint: Equifax credit leak, I submitted a form on their website and they said " My information may have been effected. '' Could I get a direct answer? Some people get " Your information has not been effected. '' So is " may '' the new " Your information has been effected we just wo n't tell you that and ca n't tell you what information has been compromised ''? This is n't a reasonable response for customers and does n't provide an assurance.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX  / XXXX / Walmart / XXXX XX/XX/2017 Attempting to collect a Charge-off account NOT in my name. 
I requested them to verify the names on the account which is NOT my name. but they still have it on my credit report. 
the amount is {$1400.00} for the fake XXXX account. 
the amount is {$1800.00} for the fake Walmart account.

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 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My balance never seemed to go down only up. Too much interest. I do n't make enough to make a payment and support my family. Too many calls harassing about missing payments but never got a a call when I made a payment. The loans are more of a burden on me than anything that 's happened in my life. My education seems like a joke to have to be repaying all this money that in the end keeps on adding up and not decreasing. I have never been able to get a good repayment plan or help on getting smaller payments. The interest is the only thing that I feel that I am paying and not the actual loan.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: I paid my XXXX XXXX credit card off XXXX months ago and still not showing it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2016 about Debt collection (Medical) with The Law Offices of Mitchell D. Bluhm & Associates (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I received a letter from Mitchell D. Bluhm & Associates, XXXX from XXXX, TX indicating of a debt of {$160.00}. I wrote a letter requesting proof of the debt they claim I owe. I received a response from Mitchell D. Bluhm & Assoc. Attached is a Statement of Account indicating I owe {$160.00} and a print out from XXXX XXXX XXXX XXXX Hospital indicating patient balance is XXXX. If I owe this amount I do n't mind being responsible for it, however, I need more proof than what they have provided. Based on what they provided it indicates I have a XXXX balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/20/2017 about Debt collection (I do not know) with Penn Credit Corporation (IL).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have received multiple calls per day for the last 7 days from a robocall saying that the call is in regard to a debt. I do not have any outstanding debts. When I XXXX the number XXXX, there are multiple reports that this operation is a scam. The company identified is Penn Credit.

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