milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 04-05-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with Resurgent Capital Services L.P. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Upon recently contacting Pinnacle LLC in XX/XX/XXXX to resolve a debt from XX/XX/XXXX, my XXXX, XXXX, was given incorrect and misleading information by the employees that took her payment and information that day. This is her statement : " I called the company, expressed a desire to inquire about a settlement amount, and was told I was being connected to the department that handles account payoffs/resolutions. I was told by whomever answered the phone when transferred, by Pinnacle LLC, that it would be removed from our credit report, and that support of that would be sent via the mail and email. 

When nothing arrived, and the debt remained, ( though it is being reported as paid via settlement arrangement ) I contacted Pinnacle LLC on XX/XX/XXXX, and was informed that it was not their company that made that promise, or financial arrangement, but rather a company called " XXXX '' and that the information is slated to remain on our credit report until XX/XX/XXXX. I also was told, no less than 5 times, a phrase that was not mentioned at all when I contacted XXXX in XX/XX/XXXX to resolve the debt ... that their company " does not have a pay to delete program '' I informed the supervisor that I spoke to on XX/XX/XXXX that I found it odd that phrase was not said once when I 'd called before, and that it was almost comical that it was being said repeatedly, and that obviously that is a problem they are used to arguing with clients who trying to resolve their credit reports. 

To reiterate when I called to pay off this debt, at no time was I aware, nor did that person disclose, that I was being connected to another company, called " XXXX '' - a company which is not listed on our credit report, and one that Pinnacle does not have the right or legal authorization to allow them to handle payment of our funds, nor, as far as we can tell, who has permission to collect on that debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (IL).
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: I have been reporting to my bank for the last 3 months about a charge from XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Il. This company has charged me XXXX dollars for items i never received. I have proven to the back this and the have refused to chargeback or return my funds. This company has fraudulently forged my signature and I have provided to the bank my correct signature. At this point after I have been fighting with the bank for over 3 months they are telling me that visa says they are out of time so even though I have provided the documents and proven it was fraud they ca n't help me. Seven though I notified them of this in XX/XX/XXXX and here it is XX/XX/XXXX and they are saying they ca n't help me anymore. Chase is my bank and I have spoken to Number of people even a escalation team. XXXX XXXX is my name

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (MO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: Transworld Systems Inc XXXX XXXX XXXX XXXX, DE XXXX Consumer Hotline : XXXX Consumer Hotline Fax : ( XXXX ) XXXX Has been repeatedly calling me from the following numbers : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX I do not have any delinquent debt, they have my phone number confused with someone with similar name.

Company response to consumer: Closed with explanation
Consumer complaint received 01/26/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have contacted nelnet multiple times over the span of the last month to request a 30 day payoff statement, with my full name, full account number, and a breakdown of my loans on it. Every time I request this, they say it will take five business days and then I receive nothing. I feel that I am being intentionally stonewalled here as they know I want to take my business elsewhere but they know I ca n't unless I receive the proper documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Consumer Loan (Vehicle lease) with CITIZENS FINANCIAL GROUP, INC. (NJ).
Issue: Problems when you are unable to pay

Complaint: I was a victim of Hurricane XXXX. I live XXXX miles from the XXXX County, XXXX ( dead center hit of the storm ). I was out of work, quarantined in my home/neighborhood, then on a curfew, completely out of service -- phone, cell, electric, heat and gas for our cars was rationed. I did not receive bills or mail, could not pay bills which resulted in falling behind in my bills. I received a government mortgage modification and it took several years to get completely back on track financially. However, regardless of the struggles and attempts to communicate with Citizens Bank they were intent on repossessing my car. Furthermore, they lied about how the money, I was advised to wire to them, was going to be allocated. In XXXX 2017, I finished paying my car loan, every penny, however, I did not receive my title. I contacted Citizens Bank only to XXXX I still owed late fees even though I was advised, late fees were covered at the time of the wired payment to Citizens Bank. I was advised the wired funds I had sent were going to be applied to late payments, as well as, fees for the late payments. However, Citizens never applied funds to the late fees. I sent a letter explaining the same to Citizens requesting relief from these late fees incurred during the natural disaster, since the bank did not apply them as they advised they would. To date Citizens bank has not responded to my letter. I also attempted to call the headquarters and could not reach anyone in my call who could confirm my letter was received ; the name of the CEO at Citizen 's ; or the correct address of the headquarters. The representative was unable to tell me anything about the bank they worked for ( ( XXXX XXXX XXXX ; customer service ). My letter was sent to XXXX XXXX ; RBS Citizens Financial Group, XXXX Citizens XXXX, XXXX RI, XXXX. In my letter to Citizens I also requested the recorded phone tapes surrounding the reposition incident be examined to support what I was told and how I was treated. 

I am requesting Citizen 's Bank waive the late fees ; send me my title ; remove any negative marks from my credit report on and following XXXX -- Hurricane XXXX. Your help is requested in contacting them and achieving this thank you

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2017 about Debt collection (Credit card debt) with CITIBANK, N.A. (WA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I was made aware of several fraudulent debts which included  a Home Depot car d with a balance of {$1200.00} on  XXXX   XXXX ,2017. I contacted security operations, filled out the company fraud affidavit online and faxed and sent by mail. I was advised that the account was escalated and would we completed  XXXX / XXXX / 2017 . I phoned in to get the status as this is holding up a mortgage approval and I was told it will take an additional 90 days which is not what they told my loan officer or myself when she submitted all of the documents.

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 08-09-2017 about Mortgage (Home equity loan or line of credit (HELOC)) with POPULAR BANK (FL).
Issue: Closing on a mortgage

Complaint: My account was close by error and a Satisfaction of Mortgage done - I did not ask to close the account and is not reinstated causing a financial hardship

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Nationwide Credit Corporation (IA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: 1. ) These accounts, opened in XX/XX/XXXXand XX/XX/XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XX/XX/XXXX thruXX/XX/XXXXtimeframe.

2 ) The address provided to and reported by XXXX XXXX XXXX XXXX is one that XXXX XXXX  has never lived at, in a State in which he has never been a resident.

3 ) Further, based upon the published requirements for membership to this credit union, XXXX XXXX  would have been ineligible for legal membership or services due to : 1 ) The fact he was living abroad when these accounts were opened and utilized. ( Figure A ) 2 ) In conjunction with Item 1, XXXX XXXX status as an Iowa resident ( verified thru any and all identification documents which he has possessed that are valid and legal, would have made him legally ineligible for membership.

4 ) XXXX XXXX XXXX XXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa inXX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX XXXX XXXX XXXX  to comply with : 31 CFR, Part 1020, Rules for Banks, Subpart D 1020.410Records to be made and retained by banks and Opening Account Procedures.

The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 It is because of these facts, and the documentation, provided which proves that these two accounts were in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.

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 10/23/2015 about Debt collection (Credit card) with CAVALRY INVESTMENTS, LLC (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I was oringinally late making payment went into collection back XX/XX/XXXX but the account has been paid off since XX/XX/XXXX and they are still reporting my account in collections. I have repeatedly contacted them about this issue but they have replied back to me that they will not remove it from collections. It is reported in collections XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02-07-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CT).
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint: My Slate Chase account ending in XXXX was charged a late payment fee in the amount of XXXX recently, the account shows a disputed transaction in the amount of XXXX from XXXX XXXX XXXX XXXX, CA on or around XX/XX/XXXX. This transaction, as well as fees and interest associated with it, has been in dispute since XXXX of last year. Most recently, Chase reps replied stating they did not receive information to reopen dispute until XX/XX/XXXX and it was too late to further dispute at that point. The information they refer to such as XXXX tracking number was provided to Chase disputes team back in XXXX via secure message as well as to live phone reps. The tracking number from XXXX shows package signed for by a XXXX XXXX, no one by this name lives at my address, I believe the date is XX/XX/ showing delivered. I was not at home on this date to receive package/sign for it or any other package for that matter. If Chase disputes team missed this information including tracking number when submitted in XXXX, that is not my fault. They need to understand I refuse to pay for item ( s ) not received and merchant will not refund, their one and only option is to bring the account balance to zero as the balance includes the disputed charge of XXXX plus interest and fees. None of this will be paid by myself, the last payment on the account in the amount of XXXX will be the last and final payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 08-11-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (GA).
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint: XX/XX/XXXX Basically, the issue here is that Navient/XXXX XXXX has consistently reported inaccuracies on my student loan account. One source of the inaccurate data has been from XXXX XXXX failure to record my full home address even though it was directly reported. That failure to record accurately resulted in a three months delay in my receiving income based payment annual application in a timely fashion. 
This situation caused my account to lapse and collect past due fees for which I should not have been penalized. 

Second, XXXX XXXX/Navient has also caused further harm by submitting the wrong information regarding my eligibility for deferment/forbearance plan. By supplying misleading information regarding my eligibility for deferment/forbearance, XXXX XXXX has manipulated my account and this process has given the XXXX XXXX the ability to wrongly charge my account with late payment status. 

For clarity/specifics, on XX/XX/XXXX, I contacted XXXX XXXX by phone to report my change of address. The XXXX XXXX agent who handled my call informed me that she would update my account data. However, XXXX XXXX claimed that I simply failed to properly report a change of address. On the contrary, I have found my certified letter to XXXX XXXX dated in XX/XX/XXXX of that transaction request. 
( copy attached ) It took XXXX XXXX three full months before the application form was actually delivered to my correct home address. ( There has been late fees added to my account as a result of that late transaction by XXXX XXXX. ) Those late fees were added in XX/XX/XXXX when the Navient system reported my account as being ninety days past due on my credit report. 

The other major problem is that I have been on the Income Based Payment Plan since XX/XX/XXXX. My loan was consolidated with XXXX XXXX in XX/XX/XXXX. 
However, when I lost a full time job in XX/XX/XXXX, a XXXX XXXX agent informed me that I was eligible for a deferment plan. However, she was wrong, and as a result of that wrong information, when the deferment time expired on that plan, a payment was necessary to keep my account updated. Yet, my income was too low to pay it. 
In other words, I should have simply remained on the income based payment plan. 
There was no real need to change plans in the first place. 
Meanwhile, the " ninety days past due '' has been reported by XXXX XXXX/Navient on my credit report. This has limited my credit score and impacted my ability to obtain credit. 
I have supporting documents to support my above claim. There are two separate attachments which clearly identified the negative situation on my account with Navient. 

Consequently, I make the request that Navient remove the late fees from my current credit report. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-11-2017 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Approximately Mid XX/XX/2016 I attempted to purchase a vehicle. The dealer ran a Equifax credit report and the dealer reported back the credit score was unavailable because I was reported deceased. I attempted to contact Equifax by direct phone call and was unsuccessful. I utilized their required on line request for a report based on a contested report and received a report that my file could not be opened. I then requested one by mail and included the required fee in an attempt to repair the error and included a copy of my drivers license and social security card as requested on the form in early XXXX. I shortly again received another form letter again stating the report is unavailable. The document they returned again only included the same automated help lines that I started with giving me no additional resources to try and attempt to repair this major error in their files. I also attempted to get credit for XXXX for my XXXX and XXXX husband and was again refused due to this grievous error in their reporting system. I in the mean time went to a social security office and they still list me in a living state so I am completely unaware where Equifax started this error. I personally have XXXX and the inability to purchase a car for transportation and XXXX for my XXXX and XXXX husband are making it difficult to maintain our jobs without extreme difficulty.

Company response to consumer: Closed with explanation
Consumer complaint received 09-03-2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I am being erroneously targeted by Diversified Consultants Inc. on behalf of XXXX XXXX XXXX for unpaid debts of {$290.00} that are completely invalid and false. To highlight the situation, back on XXXX XXXX, 2015, XXXX XXXX that had been registered at XXXX XXXX XXXX XXXX  XXXX XXXX XXXX was returned to a local XXXX XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, IL. A final balance of {$21.00} was paid, and the account was subsequently closed at that time. This was confirmed by a XXXX employee at the XXXX XXXX XXXX location. My XXXX Account # was listed as XXXX. However, XXXX XXXX has tried to charge me for continued service from XXXX XXXX, 2015 -  XXXX XXXX, 2015 despite the fact that the account was closed out 3 months prior. 

I have on several occasions asked for the following information and have yet to receive it : -- Any and all documents identifying the serial # 's of all equipment that was registered to the " XXXX XXXX '' after XXXX XXXX, 2015 -- A receipt identifying the serial numbers of all XXXX equipment that was alleged to have been received and used by me after XXXX XXXX, 2015 -- A signed statement by a XXXX employee, attached to a printed document showing the results of that employee 's exhaustive search of all XXXX databases, testifying that they in fact have searched any and all such databases for these corresponding serial # 's and that the documents presented in fact are true Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-08-2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Sykes,Bourdon,Ahern & Levy, P.C. (CT).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I received a letter claiming I owe a debt from a collection agency when I was not contacted about this debt prior to sending it to collections. I am unaware if my roommate was contacted or not, however if we are XXXX being held accountable, we XXXX should be contacted separately, as we no longer reside together. 

I do not owe charges to replace the carpet in the apartment, as we noted upon move in, that the carpet was sufficiently worn in the areas they are now claiming were our damage beyond normal wear and tear upon move out 6 months later. I vacuumed weekly, not once was a single thing spilled, and we did not have company over as we are XXXX from Connecticut. The damages they claim are what we noted upon our move-in inspection and are not possible with our standards of living and within 6 months. On the carpet invoice dated XXXX/XXXX/2015, it states disputes will not be honored 30 days after invoice date. I was not given the chance to dispute these allegations, as I was not notified. It should also be noted, that there was a change in management between move in and out dates. We are being held accountable for the discrepancy of their change in standards in regards to move in and out conditions. Had the same person done the inspection prior to us moving in, they would have seen that the carpet was in the same condition upon move out. Neither the management prior or current have pictures at the inspection times of move in or out apparently ; nor do I, as our previous apartment, we never had these false accusations of damage. I thought we were quite meticulous with our move in inspection notes and intentionally noted the carpet condition under " additional comments '' as we felt it did not pertain to any one category. I will be sure to be overly persnickety in every rental agreement to come now, because of these false accusations. 

The leasing office was verbally notified we would need to terminate the lease as far back as mid XXXX. I am aware, however, that they needed written PCS orders which the XXXX did not provide until XXXX. My roommate stated he was taking care of the final payment for rent as I had moved out XXXX XXXX, 2015. I understand I am legally bound by the contract, however, if I am being held to this debt collection I should have been notified of the debt prior to the collection agency. A resulting {$370.00} in legal fees is now also being charged, in addition to the carpet replacement they are trying to pin on us.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (KY).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: I have never had a non payment on my credit report ever 30 years now I have had credit cards I have tried to get one and only non payment taken off from a bank of America card problem XX/XX/XXXX I  submitted to them I would like to have the nonpayment taken off credit report they take info down and tell me to check back in 30 days each time I call them it's the same story can not find info on this so we submitted again I have done this 3 times now.. what the non payment is I did not receive the statement in XXXX And Then in XXXX wrote check mail it they said never did receive it thats when they report it on my credit report as nonpayment they our never going to try and fix this because each time I call them it's like it's never been submitted so we do it all over again .... this is a bank of America credit card any help would be great tks ... ... XXXX XXXX XXXX XXXX XXXX XXXX ky XXXX phone 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 monetary relief