milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NH).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The Equifax credit reporting organization has allowed unknown persons access to my personal information that could be used to effectively destroy my life. They 've allowed access to my Social Security Number and much of my personally identifiable information that could be used to open fraudulent credit cards and bank loans that could destroy my credit ( also managed by Equifax ) which would make it impossible in the future to apply for loans that I would need such as for a newer vehicle. This is not even a service I want from Equifax but they have been given my information and have effectively distributed it. They 've potentially stolen and sold my identity ; a crime. Now I have to look over my shoulder every day to hopefully protect myself from invisible pickpockets and thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 07-01-2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I sent in a creditors validation letter to XXXX to validate the debt. They was unable to do so in the time allowed by the Fair Debt Collection Practice Act. I want the debt removed from my credit report.

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 05/21/2015 about Money transfers (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (FL).
Issue: Wrong amount charged or received

Complaint: I received an email from PayPal on XXXX XXXX saying I owed money for PayPal Credit. I do not remember using PayPal credit. There was both a {$25.00} late fee and {$6.00} interest. I checked my emails and I did not receive a statement in XXXX which the representative said probably did not happen. I would have paid my bill then. He did waive the {$25.00} but said that the PayPal process could not refund the {$6.00}. Yesterday I read that CFPB Takes Action Against PayPal for exactly my problem. I believe I designated that my credit card be charged for the transaction and did not mean to use PayPal credit. How can I join this action for a refund?

Company response to consumer: Closed with explanation
Consumer complaint received 06/20/2017 about Vehicle loan or lease (Loan) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint: I recently learned that XXXX has a special financing relationship with Santander Financing, which is the primary loan sponsor for XXXX, and I may have been given a loan by XXXX that was fraudulent and usurious. <P/>I bought a car from XXXX XXXX, XXXX, GA on XXXX. I was told that Santander was the only company that would finance the loan since I was coming out of bankruptcy. I was not shown the credit responses and believe that I was given a loan of 24.99 % over 6 years in order to support XXXX 's relationship with Santander. I was told that the payments of {$260.00} were over 5 years, but it turned out to be 72 months, 6 years, but I did n't notice the change in the paperwork. <P/>When I became unemployed in XX/XX/XXXX, I asked for a reduction. I was given a {$100.00} reduction for 6 months for only a {$600.00} reduction. Then the payments were stretched out until XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, then  XX/XX/XXXX. I kept getting different payoff dates from CSRs, so I stopped making payments in XX/XX/XXXX. I recently settled for a final payment of {$270.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Consumer Loan (Vehicle loan) with WELLS FARGO & COMPANY (AZ).
Issue: Problems when you are unable to pay

Complaint: This account was a vehicle loan and was paid in full not charged off. I was XXXX with the XXXX in XX/XX/XXXX until XX/XX/XXXX my pay was cut in half and was unable to pay this account on time. The account was paid in full before and is not a charged off account. Title was sent to me and the vehicle was then sold.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Payday loan, title loan, or personal loan (Installment loan) with Enova International, Inc. (MS).
Issue: Problem when making payments

Complaint: I am on XXXX and the interest on the loan and the payments are too high. I am in hardship and I need a reasonable payment plan I tried talkin to someone but the payment plan included past due payments. The past due payment on top of the regular payment was too much. Its too expensive to have butI needed it at the time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Debt collection (Medical) with Capital Accounts, LLC (CA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I visited the office of XXXX XXXX on XXXX XXXX, XXXX for medical check up. At the time of visit, I paid my copay, gave a copy of my health insurance and driver 's licence. On XXXX XXXX, XXXX, Capital Accounts LLC reported open collections of {$530.00} on my SSN to credit reporting agencies. I have never received any communications from either XXXX or Capital Accounts LLC explaining the charges or any notices before sending the account to collections. When I contacted XXXX office, they told me that I have around {$100.00} in balances not covered by my insurance. When I contacted Capital Accounts LLC, they told me that they had sent a letter about this debt to in XXXX. When I asked for information on that communication, I found that they had sent the letter to a person with wrong name and wrong address. Irrespective of them failing to communicate properly to me, they have placed five times more than the balance that I owe in collections. First of all, I do n't even agree with the actual medical bill as I have n't seen the charges are yet. I have never had a late payment, unpaid balance or collections in my entire credit history. This wrong collection has affected my credit score and history and has put me under immense XXXX. When I contacted Capital Accounts LLC, the representative was very rude and threatened me that I have no other options except to pay the debt and get it out of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/15/2016 about Other financial service (Debt settlement) with Core Advisory Group, LLC (TX).
Issue: Fraud or scam

Complaint: I received a card in the mail with Core Advisory Group 's phone number ( no name ) advertising home loan modification back in XXXX of 2016. spoke with a case manager XXXX gave him all my info. And explained that I have been denied for a mod on my loan in the past. He explained that they work with government agencies to force lenders to do a loan mods. I signed up for a total of {$2400.00} All they did was send out a few emails and and made some phone calls but got no results what so ever. sale on house was temporary stopped only because i filled a complaint with lender 's fraud dept. All my credit card closed due to backruptcy scheme that they practice through a third part.All i got from them was a bunch of broken promises, lot of lies, unaswered and unreturned calls, bad credit, stress and a huge financial lost and I sill lost my house. Core advisory Group had cease and desist order in Texas where i live at the time of signing and should not have collected money up front for these type of service. This company use to go by colleagues in law which has been accused of same practices and closed and as seen on their reconciliation form acknodwlede affiliation.They are a fraud and need to be stopped.Please help me get my money back!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with monetary relief
Consumer complaint received 08/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ASTA FUNDING INC. (NY).
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint: I received a XXXX letter ( not certified ) from XXXX XXXX in NY stating my wages were being garnished for an XXXX debt from XX/XX/XXXX and judgement was filed against me in XX/XX/XXXX and never seen any correspondence because I have never lived at the address stated on the judgement. I called XX/XX/XXXX fraud department and they have nothing under my Social Security number for the cell number they gave or anything from XX/XX/XXXX. I called the law firm and they sent a notice to XXXX to withhold from garnishment. I called Social Security and claimed Identity theft and was sent an affidavit to fill out and get a police report. I called the law firm back and they will not speak to me unless a law firm is representing me. The collection agency is Palisades Collection LLC and the law firm is XXXX in NY. My credit reports no such judgement against me that was filed.

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2016 about Mortgage (Conventional fixed mortgage) with PENNYMAC LOAN SERVICES, LLC. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I called Penny Mac to make a payment and they informed me that my note had increased over {$500.00} and stated the reason as " city taxes increased ''. I contacted the XXXX County Appraisal District and discovered that the homestead exemption had not been applied. They applied it and notified Penny Mac. In addition, the tax office notified Penny Mac of the resolved issue and subsequent adjustment. Penny Mac has refused to adjust the amount of taxes. Penny Mac reps told me that they would not adjust the taxes because I am late with my payment. I questioned the reasoning to apply an additional {$500.00} in taxes that are not valid as a retaliation for late payment. I also was informed that if they did agree to adjust the amount at a later date after payments had been made that I would not see the return of that money until possibly the term of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
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 recently found very questionable items on my credit report which I didnt recognize. After consulting with my legal counsel, I was advised first to notify the credit bureau to get this matter resolved. My first letter dated XX/XX/XXXX18 included all the list of errors on my report and I was under the impression that a proper investigation would be conducted to resolve the matter. More than 30 days have past and no proper investigation done by the bureau. All Ireceive is a credit report with all frivolous items still present. 

The following accounts are frivolous and needs to be removed asap : XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX REF # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ref # XXXX XXXX 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 05-11-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (CA).
Issue: Closing your account
Sub-issue: Company closed your account

Complaint: I reported that my Macy 's credit car was stolen and they did n't ask for ID card or any prof some hody make a purchase at Macy 's department store and why they place me on collection I will sue Macy 's if you did n't take of my mane from collection

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 02/23/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (ME).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: The loans started with XXXX back in XX/XX/XXXX then apparently have moved all over Navient, PHEAA, AES, XXXX 
Back in XX/XX/XXXX I contacted your office XXXX was very helpful and was advised what to do to bring this loan out of default which we successfully did and per advise from your office we applied for and was granted the IBR program XX/XX/XXXX, paying ever month {$120.00} to AES among other names. Which I believe these companies change to their benefit. 
XX/XX/XXXX recertification came up and we again were granted the IBR for {$30.00} XX/XX/XXXX let me add here this was all done by a higher up supervisor at AES who had all information in front of her .This payment was based on family size and other considerations. Only to have this rescinded XX/XX/XXXX. When I called AES this supervisor said they had made a mistake, but I said I had been on the same program for over a year. 
My husband is XXXX, our son has XXXX which is why he went to XXXX which promised him education leading to a good job in XXXX which never happened although he did graduate in XX/XX/XXXX with his XXXX. The only thing to come out of it was a tremendous debit. Which we keep trying to pay, but the rules keep changing to the benefit of these above mentioned companies even when one does what one is guided to do. 
Today I get a letter from PHEAA stating that default consequences now are 19 % and {$8300.00} this is in addition to an already growing balance of {$43000.00} it never goes down only up. 
My husband who is XXXX since XX/XX/XXXX was granted a XXXX back in XX/XX/XXXX from XXXX only to have that rescinded in XX/XX/XXXX He is however still XXXX, I work partime as a XXXX and bring home {$XXXX} a week. 
Yes I have called my Maine Senator XXXX to no avail and Senator XXXX to no avail. 
Why when regular people like us do that which we are guided to do, then the rules change to the benefit of these loan companies that do n't want a family to succeed .Just go further into debit which can never be paid back and they know it. Does anyone really care? I beg you to please help us. All we want is a level playing field and debit relief. 
Ironically this letter today from PHEAA clearly states a repayment option of IBR which we were already on. I do pay the {$30.00} every month. 
I know one should not get emotional about the above, but these companies are playing with everyday peoples lives. I have loads of documentation to the above and wish I could go in front of congress to show what is going on with this outrageous dealings of these lenders. Please I do not know how to attach documents, but have many to submit for someone to look at. 
Thank you for your time and I hope you or someone can help. I am sure I am not alone. 
Kind Regards, XXXX XXXX, Maine

Company response to consumer: Closed with explanation
Consumer complaint received 11/17/2015 about Credit card () with CITIBANK, N.A. (TX).
Issue: APR or interest rate

Complaint: XX/XX/2015, I purchased sectional sofa at Macy 's and, in conjuction, was offered to pay via credit card with 24 month interest free period. I agreed but it took several weeks to receive a statement and during that period, was not able to make a payment online, nor was I able to view my account summary. The Macy 's credit card website state it was undergoing construction and therefore, unavailable. After finally receiving access to the website, I made my 1st payment. 

Then XX/XX/2015, I visited my local Macy 's store where I purchased several goods. The salesperson encouraged me to use my Macy 's card so I obliged. Today, I was able to review my online statement and was dismayed to learn that I 've been charged interest on the purchase these goods. Even more frustrating is that I have tried to contact the Macy 's credit card department through their online contact application but continue to receive an error message. After failing to submit my inquiry online, I tried calling the phone number listed on my account webpage. Unfortunately, I was also unable to reach a real live person. After spending 20 minutes stuck in the phone tree going from automated message to automated message, I have finally given up and hope that perhaps you will be able to help me work with Macy 's. It has become apparent that I 'm in the process of becoming victimized by deceptive practices and predatory lending. Even worse, I 'm now unable to reach someone that may be able to help rectify the situation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 04/23/2018 about Debt collection (Medical debt) with Receivables Management Corporation (SC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: Receivables Management Corporation XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Fax : XXXX My initial contact with this company is dated Saturday, XXXX XX/XX/XXXX asking them to validate with competent evidence bearing my signature that I had any obligation to pay them. They never produced the evidence. 

They continue to report to XXXX a derogatory mark on my credit report. 

I decided to pay the {$60.00} to XXXX XXXX XXXX XXXX XXXX since these people refused to stop reporting it as a derogatory account. That was paid on XXXX XX/XX/XXXX. 

They continue to report the account as derogatory After having a conversation with the collections person, they asked me to send the information from the account in question ( XXXX XXXX XXXX XXXX ) documenting that the debt had been paid. I did that after having been treated as a common criminal over the phone and talked to in an unprofessional manner. 

A consumer should never have to experience this type of treatment especially when the collection agency is in violation of the law ( Fair Debt Collection Act ).

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 11/29/2016 about Credit card () with PAYPAL HOLDINGS INC. (FL).
Issue: Customer service / Customer relations

Complaint: I purchased a product through Ebay some time in XXXX of 2015. At the time from what I could tell I paid with Paypal. I called paypal a couple of weeks later to mention that I did not see the charge on my account. They said that they could not see it either, I called 5 times to confirm and they continued to tell me that there was no charge but I received the merchandise. It turns out the charge went to billmelater which is now called paypal credit. I was never told of this change. It kept getting notices from paypal that the bill was late but when I logged on the account was fine, no late charge. I think sometime before I made the purchase I remember calling a number that was shown on ebay to extend the period of the credit line. This phone number later I found out was billmelater or paypal credit, I had completely forgotten about the call because that is what paypal credit used to call me, in not so many words, a liar. They waited to the six months expired to charge me for the interest on the purchase and to contact me. Never mind that I called paypal several times and my account is practically in zero balance. No they said there is not they could do, they closed the account and told that if I wanted to pay I need to contact them every month.

Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: These inquires were unauthorized.
-XXXX -XXXX XXXX -XXXX XXXX/XXXX  IS REPORTED AS A INQUIRY XXXX times -XXXX XXXX IS REPORTED AS A INQUIRY XXXX  TIMES -XXXX XXXX XXXX XXXX IS REPORTED AS A INQUIRY XXXX TIMES -XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX XXXX -XXXX -XXXX XXXX XXXX IS REPORTED 2 TIMES -XXXX XXXX -XXXX XXXX/ XXXX XXXX -XXXX XXXX/ XXXX XXXX XXXX -XXXX XXXX XXXX XXXX IS REPORTED 2 TIMES -XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Alliant Capital Management LLC (IL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: AALIANT WAS BEING SUED BY XXXX FOR UNLAWFUL HARD INQUIRY! THE CASE WAS DISMISSED, BUT STEP OVER THE LINE AGAIN BY CALLING MY WIFES CELL PHONE ( XXXX ) XXXX AND XXXX WORK NO. ( XXXX ) XXXX IN VIOLATION OF TCPA AND FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 07-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: I called for an extension on my car loan in XXXX 2016 and was given false misleading and the incorrection procedures. <P/>I am in receipt of your response on the CFPB portal stating that my dispute of items in my credit report was Denied. I am upset that Chrysler Capital would try such a blatant stall tactic. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. <P/>1. Your representative never told me about an email if I was told when I didnt receive this email I would have called back. <P/>2. Your rep stated that you emailed a jmoore email address. I dont have an email address that starts with jmoore YOUR REP ADMITTED THIS FAULT ON YOUR END!! THIS IS YOUR ERROR! <P/>3. You state that you report information accurately then you state that you are not a credit reporting agency and that you have no control over the contents reported by the CBA, this makes NO since its clearly states that you are reporting me late for something that Is CHRYLERS ERROR! Again you are at fault because I was given False and misleading information and now you are FALSELY REPORTING THAT I WAS 30 DAYS for these months AND It 's NOT TRUE! My mother is XXXX XXXX XXXX XXXX, and you are causing me great heartache over something that is not my fault. At this point, I am highly upset about your dishonest business practices Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission.

Company response to consumer: Closed with explanation