milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11-08-2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Getting constant phone calls for the wrong person. Caller ID shows different phone numbers they are calling from and they do not leave a message. I called the number back to find out who they were and what they wanted. This is how I found out it was a Debt Collector. The person they are looking for does have my first name but the last name/last XXXX digits of the social security number are not mine. I told them they have the wrong person and to stop calling me. The calls are still coming in I answered 2 today and told them again they have wrong person to stop calling me and remove my phone number from their list. This time I said I would report them for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 05/25/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BARCLAYS BANK DELAWARE (NY).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint: Barclays ' Luxury Card allowed service members to receive an annual fee waiver and receive 0 % APR benefits under their then-current policy regarding the Servicemembers ' Credit Relief Act. Now, suddenly and without warning, they are threatening to charge my account with the annual fee, a complete reversal of their prior policy. I now have to close my account or face the possibility of being slapped with a {$990.00} fee. It is ridiculous that they do not allow a grandfathering of those accepted to be cardmembers under their previous policy, and are now leaving servicemembers with the difficult situation of paying the fee or being forced to close their 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 03-11-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (OH).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I found a wrongful credit reporting on my credit report and want it removed. 

Debt Collection Company : Pinnacle Credit Services LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Refuses to Answer a demand to Verify Debt This Demand was Sent by Email, USPS and through XXXX without a response! 
XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX Dated : XXXX XXXX, 2014 Dear Sir/Madam : I am disputing obligation to pay this account. Suspend all collection efforts until dispute can be validated with the Federal Fair Debt Collection Act Title VIII. 

I am writing in response to Wrongful Credit Reporting of a debit. I do not believe I owe what you say I owe. I am disputing the debt. 

I am respectfully requesting that you provide me with the following information : - What the money you say I owe is for - Any credit application for this debt - Any contract that I signed and dated, for this debt - A copy of any judgment - Identify the original creditor by date, name, address and telephone number. 

Further, you are instructed : All future communications with me MUST be done in writing and sent to me by mail. 

Finally, if you do not own this debt, I also request that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt. 

By, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (NH).
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint: My wife and I opened an account with Chase Card Services in XX/XX/XXXX. We have used the card continuously for 25 plus years. We enjoyed a variable rate of 10.49 percent which change whenever the prime interest rate goes up. On XX/XX/XXXX we were notified that the rate would be changed to15.49 percent because " We are changing the Annual Percentage Rates ( APRs ) as described below because your APRs are below the lowest APRs we currently offer on similar accounts. '' We have until XX/XX/XXXX to accept or reject their mandate. 

We have an excellent credit rating ( XXXX ) and have never been late. We are now retired on a fixed income and I am approaching XXXX years old. This action by Chase seems illegal since we agreed to one APR and now they are changing it unilaterally. My question is can they do this? Could this be an example of age discrimination?

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. (VA).
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint: In the wake of Equifax 's gigantic data security breach, I tried to order my free annual report from Equifax through XXXX. After I completed the order process, Equifax displayed a page stating that my report could not be delivered online. But XXXX shows that I received my Equifax report, even though I did not. Equifax 's performance adds insult to injury, because now I have no way to examine my report until next year, unless I pay this seriously compromised company.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2015 about Credit reporting () with EQUIFAX, INC. (WA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: This is the XXXX hard hit I have received in the last week. XXXX being from some company called XXXX and now this XXXX XXXX which is apparently XXXX. Both of which have done this without any consent on my side. I have no clue who XXXX is and XXXX I have never signed up for their credit always used my bank accounts. When started to dispute the first hit XXXX claimed to have put a fraud alert on my SSN so anyone who requests anything would have to get secondary permission. Well apparently not since this just happened again today.

Company response to consumer: Closed with explanation
Consumer complaint received 02-12-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: Creditor is Bank of America and I have a inquiry on my report that I didn't authorized nor did I apply for anything and I want this item removed via FCRA section 623 if you can't provide proof that I requested to have this inquiry on my report It's fraud.

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 01-09-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I am a victim of ID Theft and I have been trying to get " Transunion '' to remove this fraudulent account from my report after sending in ; police report, FTC report and proper ID to get them to remove the fraudulent account. After months of trying to get TransUnion to block the account, the account still is reporting on my credit. 


Account still reporting : " XXXX '' ( I DID NOT OPEN THIS ACCOUNT, IT 'S FRAUD!!! PLEASE REMOVE!! )

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 08-10-2015 about Debt collection (Medical) with Jason A. Craig & Associates (GA).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: The whole issue started from me never receiving a bill from the hospital that apparently the hospital then sent for collection. The debt collector agency keeps calling me repeatedly, when i ask them to provide a copy of the bill they refuse doing so saying that they do not have that information. The lady on the phone keeps hanging up on me when i ask her to provide information about the charges I have to pay for and she keeps raising her voice on me and starts yelling that she will send it to my credit report, she is doing all of that while yelling at me and constantly interrupting me. They also called me the first time saying that I owe one amount ( something between {$900.00} and {$1000.00} ), but sent me a notice with a different amount ( {$720.00} ), that is why I requested the copy of the bill that would explain what charges are being put on me, but she just keeps yelling and hangs up on me. The notice ( " Account Status '' ) was sent to me after I requested a copy of the bill or explanation of charges over the phone, but they sent me just simple account status with amount charged being different from what they told me over the phone. I do not know how to talk to her as she is being very aggressive while i am trying to resolve the issue. I tried talking to the agency several times but the lady ( always the same person ) just keeps harassing 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 06/24/2015 about Debt collection (I do not know) with GC Services Limited Partnership (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX LETTERS IN AND THIS COMPANY STILL WILL NOT TAKE THIS OFF OF MY CREDIT REPORT AND STOP SENDING ME PAPER WORK THAT DOESNT BELONG TO ME!!

Company response to consumer: Closed with explanation
Consumer complaint received 02-02-2017 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (TX).
Issue: Credit decision / Underwriting

Complaint: My refinance with Freedom Mortgage started XXXX XXXX, XXXX and was on schedule to close by XXXX XXXX, XXXX. XXXX XXXX contacted me with a notice of incomplete application on XXXX XXXX, XXXX and we talked about documents that were suddenly required. Certain documents were not fully explained to me like the XXXX, I was told I could get a 15 year loan and only pay {$25.00} more than what I am paying now, which turned out to be a total lie, and emails back and forth between XXXX and I were unproductive because she would not answer my questions. Over 2 weeks I fought to get the documents to XXXX, and my email was not working properly and I was not given any other alternative to try to get the documents to her. Her assistant XXXX was short with me and would not originally give me XXXX email address and I had to call the following week, XXXX XXXX, XXXX, and get it from someone else. Around XXXX XXXX, I had no update on my loan so I called and complained and my loan was transferred to another officer. The importance and ins and outs of a couple additional documents needed that I knew nothing about, were explained to me. However, now on XXXX XXXX, XXXX, I receive another notice of incomplete application stating that we need to " post XXXX payment to satisfy aging requirement ''. I left a message with the loan officer because if that means we have to pay XXXX AND XXXX before we can close, this is ridiculous. We have NEVER missed a payment on our mortgage. We had to cancel our XXXX vacation because we were looking forward to having that skipped mortgage payment, and were hoping to take the vacation in XXXX, the only other month we can get away this year, and now they are pulling this? When we refinanced in XXXX, it was fast and easy. This has been a nightmare, stressful, dissapointing, and angering. I believe XXXX and XXXX 's attitude and lack of care, help, and concern have ruined our chances of getting this refinance done in a timely and orderly manner.

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 05/22/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (VA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I was offered a settlement from diversified consultants for a  XXXX   XXXX  bill. I paid the {$200.00} to settle the debt. They have not corrected my   XXXX   credit report. I have spoken to representatives of diversified consultants and  XXXX . My 1st dispute was submitted on  XXXX   XXXX   2017 with  supporting documentation. They did not correct the problem. I submitted a second dispute on  XX/XX/XXXX  and I received the results yesterday and the update has not been corrected. The report still shows a balance of {$87.00} due and instead of the account being closed it says placed for collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CT).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: On X/XX/17 I filed an online dispute with Equifax regarding a dismissed bankruptcy from over 7 years ago still showing on my credit report. A week later I received a message that they investigated issue and that it was " reporting correctly ''. I then called customer service and spoke with a extremely rude representative who refused to listen to what I had to say. He kept stating that they did not have to remove it until 10 years. Equifax refuses to remove a dismissed chapter XXXX bankruptcy from credit report after 7 years. Item was automatically deleted from other XXXX credit bureaus without issue. The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/28/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Since my loans were taken over by Navient it 's been a never ending series of " we do n't know how that happened ''. Primarily, the problem is my payments have never been applied as I 've asked - to the principle. I always pay more than the minimum, and they keep applying the additional to interest. The result is I actually owe them {$3000.00} more now than when I started with them. Their website and phone line are impossible to understand, and no one can ever explain anything. I have literally received 3-5 differing statements, looked on the website and found a different amount, and called and been told a totally different amount all in the span of a few days. They 're rigged to keep you confused, generating late fees ( that they do n't apply your payment to either ), and in debt, forever. I am trying to do the right thing and pay, but I am sinking because of their practices!

Company response to consumer: Closed with monetary relief
Consumer complaint received 11/14/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (FL).
Issue: Managing the loan or lease

Complaint: We purchased a XXXX and financed the vehicle with " Chrysler Capitol ''. The vehicle was hit by a tree during the Hurricane XXXX. XXXX came out and reviewed the damage and a check was cut. It had the lien holder and the co-owner on the check. We were advised to send the check to the lienholder and we could spend out of pocket for the repairs and they would reimburse us for the repairs that the insurance company paid for. After many weeks of sending documentation to " Chrysler '' we are now told they will not pay for certain items because they are not the same manufacturer. They have our money and we are out of pocket for these repairs. The employees are rude and of no help. To the point that they hand up on us. We need help getting paid for the repairs that OUR INS company paid us for and that Chrysler refuses to give us.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (FL).
Issue: Taking out the loan or lease

Complaint: About 4 1/2 to 5 years ago this XXXX lady went to XXXX dealership to buy a car and trade her van in on it and when she did n't get the vehicle she wanted they hid her van and sold her a car she did n't want for XXXX some odd dollars she took the XXXX because they refussed to give her van back that was wrong and now they are over charging her for this XXXX that XXXX said was paid off so later they repossessed the XXXX and charged her towing fees and more payments in order for her to get the car back. She once had XXXX dollars in her account at XXXX XXXX and now she has nothing because TD Finance Bank just continuing to charge her more and more money and I think that TD Finance owes her XXXX XXXX dollars plus back for upsetting her and over charging her and stressing her out. Please end this war with TD Finance Bank and Stop them for over charging everyone that is doing business with them!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 01/16/2017 about Debt collection (I do not know) with Midwest Recovery Systems (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Was recently notified by XXXX, XXXX and XXXX XXXX XXXX that a collection account was added to my credit report by Midwest recovery Systems alleging an unpaid debt of {$660.00}. This is fraudulent as I have not opened any credit accounts with this company or the one listed as XXXX XXXX. I have reported this entry as fraudulent " account not mine '' per FCRA XXXX. I have also verified that Midwest Recovery has numerous complaints XXXX with XXXX for similar entries against other consumers additionally have multiple complaints filed with the CFPB all stating they were notified through credit monitoring service of a debt that they too did not open. Finally I have also researched the State of Florida licensing bureau and found that Midwest Recovery systems license to collect expired XX/XX/2012 i. The state of florida and another filing was denied. This unlawful practice needs to be addressed and removed completely from 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 09-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I began receiving calls and letters from Midland Credit Management concerning a debt from XXXX, approximately 3 years ago. I have never opened a XXXX account and have never associated with XXXX in any manner. I have had a XXXX cell phone, with the same number, since I was XXXX XXXX XXXX. I contacted XXXX and they said they can not do anything as the debt has been sold. I contacted the Police and they said to get the information from XXXX. I am stuck in the process of clearing this debt that is not mine. I am not sure how this account got attributed to me, but would like this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Consumer Loan (Vehicle loan) with American Credit Acceptance, LLC (FL).
Issue: Managing the loan or lease

Complaint: I entered into an auto loan with American Credit Acceptance after purchasing a vehicle thru XXXX in XXXX XXXX, Fl. Because of a poor credit history my current interest rate is 28 %. I also purchased an extended warranty and GAP insurance when I purchased the vehicle which American Credit Acceptance is charging me 28 % interest on as well. After research, I found that it is illegal in the state of XXXX to charge 28 % interest on GAP insurance and extended warranties. I was also advised when I purchased the vehicle that I could refinance at a lower interest rate after 6 timely payments, but after purchase the company told me that the loan is a simple interest loan, so no matter if I refinanced or made principle payments, I will still be paying the same amount of interest because it is front loaded. Please help, I found where the Attorney General of XXXX won a lawsuit against this company for charging excessive amounts of interest on GAP insurance and they are doing the same to me. I have also filed complaints with XXXX Attorney General XXXX XXXX ( who is reviewing my claim ) and the Consumer Financial protection Bureau to ensure that this issue is resolved and no other consumers are taken advantage of. Please see the link below regarding the case filed in XXXX. 
XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10/13/2016 about Student loan (Non-federal student loan) with DISCOVER BANK (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Refinanced my loans through XXXX. XXXX sent checks out to all parties including discover. Discover received the check and cashed it but no credit was made to my account. An image of the check was sent to discover and still no answer as to where the XXXX went.

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2015 about Credit reporting () with Credit Karma, Inc. (OH).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: My mother is somehow added to my Credit Account. Shes lowering my credit score.

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 explanation
Consumer complaint received 10/27/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (KY).
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint: I attended a little over a year had to take maternity leave and before returning to school they shut down. It was extremely inconvenient to have to stop everything and expect me to pay half of my tuition back after not being able to pursue my career I was studying. It has ruined my credit for nothing. I am a single mother of XXXX so money is not my greatest asset. Going back to school was supposed to help me provide a better life for my children.

Company response to consumer: Closed with explanation