milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-03-2015 about Debt collection (Credit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (NJ).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have received multiple calls from an agency claiming to be a debt collector. I do believe they could be but have yet to have them identify themselves in any way other than over the phone. They seem to have my name and now *definitely* have my address and month and day of birth. All I have is a phone name, phone number, address and repeated requests for my banking information. I also have him accusing me of not being willing to work with him to resolve this debt. I tried several times to get him to understand that I would not be giving him any banking information over the phone and he jumped right to me refusing to work with him. I think he finally understood that I was going to set up an automatic payment to his company via my bank. I did ask him to prove to me that he was indeed who he said he was and that he was with a legitimate debt collection outfit. He offered me a phone number to Bank of America instead. At some point I told him that I was aware of the Fair Debt Collection Act and that he should read it. He also insinuated legal action in an earlier call this morning as well as after I told him I would not be setting up an automatic withdrawal through his outfit. I told him again to send whatever information he wished to me via XXXX again. He then insinuated legal action by saying that if the XXXX of every month was good for me he needed to give me an extension to avoid legal action. After more of this, I told him things were getting weird and that we were done speaking. 

I get that I owe money. I, like so many other Americans, have fallen on some really XXXX hard times. I am proud to say that I have not had to resort to going back on XXXX AND that I have a freaking job FINALLY ( XXXX ). I am a single, now-working-dad living at home with his XXXX year old Mom. All this after a crazy-making contentious divorce. I am trying to get my life together and having additional and unnecessary drama created in so doing ai n't helping me OR untold numbers of Americans. I honestly hesitate to even file a complaint because I am and have been quite discouraged with how much ever day normal people have to contend with from a lack of any protections. I want to do the right thing. I am trying. And I almost fall for what could be a total scam? For the love of giving the people a bit more power than we are lead to believe we have, DO SOMETHING. I am lucky as I have learned through, quite honestly, bad choices, to advocate. And I am trying!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (MD).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: The XXXX 2017 data breach at Equifax has resulted in the company effectively sharing a complete list of identifying information for me and 183 million Americans. This information was supposed to be protected and confidential but Equifax was negligent to not only allow the breach to happen but to also not share the information until a month later. 

In response, Equifax has offered incredibly minimal services in return ( and only after several key employees had sold off their stock in the company ). They are offering free credit monitoring for an unspecified amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NY).
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 on three occasions sent equifax and XXXX a POLICE REPORT AND IDENTITY THEFT REPORT TO HAVE THIS ACCOUNT XXXX CARD BLOCKED FROM APPEARING ON MY CREDIT REPORT, it is not my account XXXX bas permanent ly blocked it an deception even called XXXX and has a recorded conversation from a XXXX in fraud validating it was fraud the application provided fraud not me and equifax was notified by XXXX, i have called about 4 times a day for a month to have this escalated and i have been yessed and mis informed and my fraud statement called and gave never apearred on my account that i was a victim of fraud and was never late the XXXX account appearing on my equifax report is n't mine. Well equifax after numerous calls for months is breaking my rights .The clause and statements not on my report. Then i went and got an new police report because this discover account every time i dispute it or XXXX XXXX i hired dispute in it comes off and next month right back on I 'm its and I want my legal right s validated. Equifx has two legal identity theft reports on file with police report and I WANT THE FILE XXXX BLOCKED FROM MY CREDIT REPORT. No 81-Month Payment Data available for display. XXXX XXXX XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX {$0.00} 120+ DAYS PAST DUE {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX, DE-XXXX ( XXXX ) XXXX and XXXX police reports and identity theft reports is with equifax for months. Equifax said they accepted my reports but had to wait for the dispute process to e over to override the computer but still no nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/19/2015 about Debt collection (Medical) with Trojan Professional Services, Inc. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This debt appears on my credit although during my son visit to the dentist my son had Medicaid from the state of New Jersey I informed the dental office my giving my sons insurance card to process claim and my identification to prove I was the mother. I informed the collection that patient had Medicaid at time of service that this bill was to be billed to Medicaid of New Jersey I spoke to the agent on the phone gave her the policy ID and was told they would inform the dental office. I requested this account to be closed and billed to Medicaid yet after three years still appear on my credit. Per New Jersey Medicaid Provider rules of participation as long as patient is enrolled in Medicaid insurance must be billed and patient can not be billed. This provider is billing us for covered services that must be billed to Medicaid My son XXXX XXXX was the patient

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 10/26/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with AFNI INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: There is a 'collections ' open under my credit report with name AFNI and original creditor - XXXX XXXX for {$250.00}. 
I have no idea why is this amount pending under my name and what I need to do to get rid of it from my credit report. I never had this account and I do not owe XXXX anything.

Company response to consumer: Closed with explanation
Consumer complaint received 08/18/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NY).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: COMPLAINEE, CHASE DEBIT CARD XXXX XXXX XXXX XXXX, DEFRAUDS COMPLAINANT XXXX XXXX XXXX XXXX REFUND AND XXXX REFUND.
CHASE MAKES IT IMPOSSIBLE FOR ME TO CHECK MY CHECKING ACCT ONLINE. I KEEP GETTING FRAME.
FINE CHASE, THE BANK TOO BIG TO FAIL WHOSE EVERY XXXX IS BACKED BY THE US GOVT, FOR FAILURE TO PERFORM DUE DILIGENCE.
1-DUE DILIGENCE OF CREDITING ME XXXX  XXXX REFUND
Good Evening XXXX XXXX,
 


I am confirming with you that we have issued a $XXXX credit on X/XX/17 that will be issued back to your credit card ending XXXX.
 
 

Thank you,

cid:XXXX XXXX XXXX
SUPERVISOR, CUSTOMER CONTACT CENTER
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  |  XXXX CT XXXX
Office: XXXX |  Fax: XXXX 
XXXX
2-XXXX REFUND
XXXX   XX/XX/XXXX at XXXX XXXX To	
XXXX
Message body
XXXX Credit Notice DATE: XXXX-2017 ORDER #: XXXX REFERENCE #: XXXX SOLD TO: ======== XXXX XXXX C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX United States SHIPPED TO: =========== XXXX XXXX  C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX UNITED STATES ================================================================== Ordered: 1 Shipped: 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $XXXX  ================================================================== XXXX-2017: WE HAVE ISSUED A REFUND IN THE AMOUNT OF: $XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 05/31/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: Dispute was sent to Collection agency to resolve the issue and as of to date, credit bureau is still reporting unverified account on my consumer credit report.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: This complaint is against the company " Diversified Consultant ''.     Currently, they are reporting that I owe them a total of {$750.00} on my credit.     I have never had any dealings or communication with this company so there is no reason for them to be reporting an unpaid debt on my credit report.     I 've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.     To facilitate the CFPB 's investigation, I have acquired the account number of this unknown account from a recent credit report. The account number is listed as follows on my report : "  XXXX  ''. My report indicates that the account has an " open date '' of   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Credit card () with SYNCHRONY FINANCIAL (NY).
Issue: Other fee

Complaint: Called XXXX XXXX credit card ( Synchrony Bank ) and asked about Foreign Transaction Fee because it does not show in my account. 
Representative ASSURED me it is many time it is zero percent so I asked to send me in writing which she can not find. Supervisor ASSURED me it is zero percent but there is nothing in her computer or can not email me. They only postal mail and will take 30 days. 
I research online and there is nowhere where it says zero percent. They are lying. They will probably deny they ever said zero percent, which is why I wanted it in writing.

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 02-02-2017 about Debt collection (Medical) with AAA Collections (SD).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: I have made several attempts to contact AAA collections to work out payments with them. She told me she could n't set up a wage assignment with me unless I paid XXXX biweekly, I explained to her that I have a XXXX husband and XXXX small children and could only afford XXXX bi-weekly. She said she would send out the wage assignment. I called her a week and a half later, and told her I still have n't received her paper work. She said she was not going to send it until she put a judgement on me. I do n't understand how that is necessary when I have made attempts to make payments. Back a few months ago an agent had contacted me and I told her I was unable to make payments at the time but I will get back to them. I called back and left a voicemail and no call back. Then they sent me a letter saying that after several failed attempts to contact me, if I do n't contact them they will be forced to file a judgement. I called them and finally got someone. She then told me if I do n't want the judgement on my record that I have to pay the balance in full or give them my debit card number, when I refused and told her I would just talk to my lawyer she all the sudden was willing to work with me. I still have not seen the wage assignments and she has failed to call me back again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2017 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I have filed a dispute with Equifax & XXXX that the Tax Lien on my credit report is incorrect due to a fraud committed by an unknown individual. IRS already corrected this information, but the Credit Bureaus listed refused to do so. I was told by their Rep. that they search the Clerk Data base & found this information by going to a third Party. This should not happen, and IRS stated they DO NOT give information to Credit Bureaus. I request this be DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 02/24/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MN).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Since my children began paying back their student loans ( I am the borrower on a Parent Plus Loan ) we have had nothing but issue after issue with Navient. Every single month we 've had to call them to straighten out their messes. They misapply money from my daughter 's portion of the loans to my son 's and vice versa constantly even though they specifically request the loan numbers for the money to be applied to. They give us conflicting information about what information they can release and why or why they ca n't do certain things. I ca n't even request the notes that they 've put in my account without a subpoena according to them. This month my son 's money was applied to someone else 's account and then was told he had a huge late fee. Then they found the money but still demanded proof from XXXX. They NEVER process payments correctly. It 's maddening and, frankly, I believe it to be unethical and possibly illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: My Student Loans are currently being serviced by Navient. In this environment of historically low interest rates, the interest rate on my loans are 4.5 %. The legal agreement does not specify how they are calculating my interest rate in full. It only states that it uses the prime interest rate plus some margin rate but it does n't explain how it calculates this margin rate. In speaking with the company they change their story about how this figure is derived. Additionally, there are several administrative errors on my legal agreement such as labeling the loan as being for a graduate student when the loan was taken out to cover my under-graduate degree. Furthermore, they charged me a $ XXXX repayment fee the day I began repaying the loan. The contract states that they may charge me a repayment fee but it does not specify how much this fee is and {$1000.00} seems very egregious. I do n't think most people expect this fee to be $ XXXX or about 3.5 % of the loan. Lastly, my loans were accumulating interest while I was still a student which seems wrong to do to a XXXX XXXX XXXX but after doing some research I found that this was in fact permitted by the contract and by law. Nevertheless, this seems incredibly unfair to do to a XXXX XXXX XXXX college student who does n't have a job or money ( hence why I took out a loan ) and resulted in {$5000.00} of additional interest before ever graduating, having a job, or the having the means to pay off the loan. 
I have called the company and complained about these things and they told me that all of this is within their rights per the contract. 

I graduated college in 2006 and after over 10 years, I still have nearly 75 % of the loan to pay off. Please let me know if I have any recourse for any of these things or if you can suggest a better way of managing these loans. 

Thanks, XXXX

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

Complaint: XX/XX/2017 After the hack of Equifax, over a 100 million Americans social security numbers were hacked because this company has no proper authority to keep our social sec. numbers in their databases. This is wrong and one of the problems with companies like this not having good security protocols.

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2015 about Bank account or service (Checking account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Deposits and withdrawals

Complaint: I entered the Capital One Branch located at XXXX XXXX XXXX XXXX TX, XXXX XXXX XXXX. The teller XXXX XXXX was very rude and had a delayed response in assisting me to cash a {$16.00}. Ccheck from the XXXX. The brach was not busy as a matter of fact I placed my Driver 's License and Debit Card on the counter. It took the teller over XXXX seconds to finish drawing cats on her notepad before she preceeded to assist me. I advised her I wanted to cash my check. XXXX XXXX the teller stated where another teller and customer directly next to me could hear since you only have {$12.00} in you account you can only deposit the check. I advised the teller since she just violated my privacy rights by stating my available balance I want you full name, agent id # and I want to speak withyour manager so I can file a complaint with corporate. XXXX preceeded to state she did not have an agent id but isnt her last name on her card. I advised her since she wanted to be coy I woukd add ththat to my complaint also. Another teller assisted in getting the manager XXXX XXXX. XXXX was not aplogetic for her agent 's actions and stated im sure noone heard XXXX when she disclosed your balance. I advised XXXX other customers did hear her. XXXX offered for me to go into her office and I declined. I stated I would take my concerns with corporate since she did not resolve the mmatter. XXXX continued to argue and elevate her voice stating XXXX is going through a tough time. I stated I am also but you should never carry your personal problems to work. XXXX began to cry and thet advised her to go to the break room I said XXXX should cry because never would I treat a customer the way she treated me. I advised XXXX I have XXXX accounts with Capital One, an auto loan, credit card and checking account and never have I ever been treated with such disrespect. Another teller finished my transaction and my check was finally cashed. I am at the point that I want to pay off my credit card balance and close my credit card with Capital One because I know if I was not a young XXXX Woman XXXX XXXX would not have disclosed a white woman 's checking account balance. I was humilated and will never forget the belittling experience.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 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: Unknown Company never authorized inquiry, do n't even know or am a where of Company never owned or applied for a mortgage. Called them multiple times they are unaware of who I am never in there system. XXXX XXXX Report XXXX XXXX from XX/XX/XXXX MISC, XXXX XXXX XXXX XXXX XXXX NJ XXXX Equifax Report XXXX XXXX from XX/XX/XXXX MISC reporting agencies XXXX XXXX from XX/XX/XXXX MISC reporting agencies Please delete updated reports

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2017 about Credit card () with SYNCHRONY FINANCIAL (NM).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I was sent a credit card in the mail by Synchrony Bank in XXXX Fla. in XX/XX/2017. I have no account with this bank, have never applied or asked for this card. This account was opened without my agreement, knowledge or permission. This account has been established fraudulently and I am concerned about how this affects me. I want this account closed 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 01-08-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Advertising and marketing

Complaint: i keep getting credit card offers from Chase bank acting on behalf of other companies like Southwest, Marriott etc, i have called chase and they keep telling me i wont get anymore but i keep getting them, i subscribed to XXXX etc to stop getting pre-approved applications how else can i stop this. it just seems that chase can do whatever they want with no consideration to the public 's wishes

Company response to consumer: Closed with explanation
Consumer complaint received 03-08-2018 about Debt collection (Federal student loan debt) with Navient Solutions, LLC. (IN).
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint: They are contacting my co-workers asking where I am located. These are people who only know me by name. So far to my knowledge they have called at least 2 people. 

I am currently having my wages garnished for the debt they are trying to collect and they are still harassing me and calling third parties about me.

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 01/24/2017 about Credit reporting () with CITIBANK, N.A. (OK).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I applied for a credit card with Best Buy to buy a washer and dryer with 0 % financing. I calculated my monthly payment and made my first one and set up an auto deduction from my bank account. However, they never sent me the actual credit card and they never implemented the autodeduction. I called multiple times to get the credit card, they never sent one. They also never notified me that they were n't taking the monthly payment for my debt. After 3 months I finally receive a letter indicating that my account is closed and they 're reporting me to the credit bureau. I had perfect credit until this time. We sorted out that they had failed to properly implement the auto deduct and I immediately paid them what was needed. Even after acknowledging their mistake they refused to remove this info from my credit report. My account has been paid in full and I owe them nothing, but my credit was severely damaged. Can you help get them to take it off 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 explanation