milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 09-03-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX are IMPOSSIBLE to deal with this small debt charge has caused me nightmares. They were unhelpful and got me wrong info every time i called for hours. 

When i first got this issue I asked a colleague who does debt repair for advice. He asked what agency had the debt I said Portfolio Recovery and he let out a big sigh. He said they are one of the worst to deal with XXXX sent bill in XXXX to an address I moved from in XXXX which i updated with the post office. That is public record but i have to blot out the address per the guidelines on this site. 

Instead of contacting me by phone or using my real address they sent to debt collector. Also note I have a different active XXXX XXXX credit card ( which i can not cancel now since it will wreck my credit score further ) so they have my info but they never sent the bill Furthermore, even if i got the bill i would still not know if this charge was legit or not. Still today i have NO knowledge of what that {$130.00} charge ( which i only received via debt collector ) is for. Nor is XXXX or the debt collector able to provide ANY info on what that charge is for. 

I never used this CC once and opened it supposedly 9 yrs ago. Only charge ever was in XXXX which i have no knowledge of and is the one XXXX sent to debt collectors Portfolio Recovers My wife 's purse was stolen in XXXX which we reported to local police and XXXX ( which did a 90 day credit freeze ) and to all our credit cards that we know of - it could be related but i am not sure Either way XXXX XXXX aand portfolio recovery were totally irresponsible and this should be stricken from my credit score. 

Now i am spending months with XXXX and thousands of dollars in poor rates and to pay XXXX and Portfolio Recovery still refuses to budge on this and my credit score is down about 70 points because of that. 

I despise this company and hope the FTC takes action against them. Also if you have a choice ( although I doubt you will ) NEVER use Portfolio Recovery for debt collection I hope a lawyer could help me since I would like to speed up this process of removal and would be happy to talk to someone competent at either Portfolio Recovery or XXXX XXXX and modify review if they could remove this charge, but to date I have not found a competent person at either. 

I would also be happy to talk to media or anyone about this on the record since the whole credit repair process is so ridiculous and unfair. And I am sure people here have way worse stories than I do and would like to help bring light on this in hopes that the process changes.

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Student loan (Non-federal student loan) with SLM CORPORATION (NJ).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: While in XXXX college I decided to move on an pursue a degree at a XXXX college and decided to look out of state. After applying and getting into XXXX XXXX XXXX, I worried about the cost of attendance and wondered how I could pay for this. My parents who at the time were supporting XXXX children with only XXXX income decided to send me to college, but looked into federal loan options to help me. After finding out that the federal loan system would give me less the a fraction of the tuition ( even though my parents did not make sufficient enough money to support our family and send me to school ) so I had no choice but to look into private loans. I was completely incompetent with regards to any financial literacy and Sallie Mae took direct advantage of that by assuring me and my parents that the loan would be easily repayable and that there were repayment options. They also denied my parents as co-signers and made me look to other immediate family. Now after graduation I am in over XXXX dollars of debt with over XXXX in interest because of the ridiculous rates and I only make about XXXX of the total in salary every year. I also have XXXX in federal debts and have filed for repayment programs to assist me in this crisis. Looking back on the experience, I was persuaded into accepting a ridiculous loan that in the end was a terrible investment because the education I received was EXTREMELY poor for the cost. I would have never even considered this loan had I had not been to young and nave to realize what a dangerous mistake this was, but the company took complete advantage of the fact that the material was so new and confusing. Terrible education should not cost that of a mortgage and because of this reality the education system has truly failed students looking for a better future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The credit report shows some bogus number for the credit usage ( 285 % ) which is completely wrong. It even can not be possible for obvious reasons. The reason its wrong is because the " total credit '' number used in the calculation is wrong ( much lower than it should be ). For whatever reason Experian did n't include some of my credit card accounts ( with low or XXXX balance ) in that calculation. My current credit usage should be somewhere around 30 %. 
This error severely affects my credit score. I have called Experian to correct the error and they promised that that action will be taken within 48 hours and then nothing happened. I called again, once connected I requested the call to be escalated to the manager. After 20 min of being on hold my call got disconnected. I called again, went through the same ordeal of explaining the issue and being put on hold waiting for the call to be escalated. After 30 min on hold I was told to send a screenshot of the error ( as if they do n't have access to my account! ) and was told that they can not give me ANY time frame on resolving the issue.

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 10/18/2016 about Debt collection (Medical) with Central Portfolio Control Inc. (IA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: This bill was from XXXX/XXXX/XXXX. My son had an XXXX hospital visit. My son had XXXX for his insurance. The hospital changed their billing system over during the last week of XXXX into XXXX of XXXX and had lost that bill in their system resulting in it being unpaid by XXXX. After many calls back and forth to the hospital they finally found the bill a year later and it could not be billed through XXXX any longer. The hospital said they would take care of the bill since it was their fault this happened. Now today XXXX/XXXX/XXXX I received a call from CPC Central Portfolio Control who is saying the bill is unpaid and demanding payment. I have never received a letter from them or anything showing what this is for. The man I spoke to was very aggressive and rude. He would not give me any information except the amount and date of service. He told me he did n't care what I had to say and that contacting the provider of the original bill would do nothing. He threatened to hang up on me if I did not comply to payment. I then called the hospital after speaking to CPC and the hospital says they do n't know who this collection agency is and they said I have a XXXX balance on the account. The hospital told me this sounds fraudulent to them and to report them. This company is calling me with a robotic automated message and has also called my parents as well.

Company response to consumer: Closed with explanation
Consumer complaint received 08/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with BANK OF AMERICA, NATIONAL ASSOCIATION (GA).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: I have a credit card with Bank of America and have used promotional offers for balance transfers from credit cards. This is what they offer : " A balance transfer has several benefits, including : Saving you money on interest and monthly charges Consolidating debt, which may help you pay it off faster One statement with one payment due each month '' So, I thought that if I paid my statement in full I will pay my purchases and the balance transfer, because they said " one payment due each month ''. So I made a full payment of my balance on time, before the due date and I was charged interest, also, they said I still owe {$260.00} from my balance transfers. They do n't show the remaining balance related to balance transfers on their statements nor their website in their online bank, so there is no way for me to check what they are seeing or to check how much I have paid and how much I still owe. This is really a problem, because I do n't know if there is a mistake or not, if they are overcharging me or if what they say I owe is true or not. I do n't like to be late in my payments and I really do n't feel that the bank is being honest with me. 
It seems they apply my payments in the amount I owe from the statement, plus from the current purchases, but it is not clear how much they are applying to the remaining balance from my transfers I can show you my last statement if you need to see it. In my previous statement the total balance was XXXX and that 's what I paid and now they say I still owe {$260.00} due to the balance transfer. In the page where they post the Interest Charge Calculation, the balances there go up or down every month, even if I do n't do any new balance transfers and that is very confusing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2017 about Debt collection (Other debt) with ProCollect, Inc (VA).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: On  XXXX , recevied notification from  ProCollect  as collections agency,  XXXX   XXXX   XXXX ,  XXXX  Texas,  XXXX . #  XXXX . The letter advised that I had 30 days to take care of a debt which I did not know I had. The collection agency is working on behalf of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . In  XXXX    XXXX  , I was  XXXX  to  XXXX  for 12 months, as I am a member of the  XXXX   XXXX . I provided the  Apt management  with a copy of my   XXXX   XXXX   reflecting that I was being  XXXX  and I needed to be release of my lease agreement.   I did not get notified nor did my parents who are co-signers get notified by   XXXX   XXXX   XXXX   that I was being charged rent for the remainder of the lease. The  Apt management se nt the debt to collection agency.  <P/> My credit status is important to me and  XXXX  career, I do not want any negative reporting on credit reports as the creditor failed to comply to notifying me of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Other debt) with Perfection Collection (MD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: please see attached dispute letter. i never had 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 01/28/2017 about Debt collection (Other (i.e. phone, health club, etc.)) with NCC Business Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In 2014, I lived for a year at XXXX XXXX ( XXXX ). After moving out I was asked to pay for carpet replacement. The carpet was not in a good condition when I moved in and I was surprised they expected me to pay for brand new carpets when there werent new carpets when i moved into the apartment. I tried to explain and reason with them to no success. They have since reported me to collection and placed a derogatory mark on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 06-12-2017 about Credit card or prepaid card (Store credit card) with CITIBANK, N.A. (AR).
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint: On  XXXX   XXXX ,   XXXX  , I made a {$400.00} payment to Best Buy credit card services for a TV I had intended to purchase. I never bought the TV, and when I went to cancel the payment I set up through my bank, I missed the cutoff date by a few days and the electronic payment went out. I went to the Best Buy store in  XXXX  and they told me I would have to talk to their credit card people. Citibank handles Best Buy credit card services. I contacted Citibank at  XXXX , I believe it was in late  XXXX ,   XXXX  . They acknowledged the payment of {$400.00} and said they would look into it. I never heard from them. I contacted  Citibank  again in late  XXXX  and again, they acknowledged that I made the payment. The young lady with  Citibank  stated she would assign a case number and get back to me. Shje / Citibank never got back to me.     I mentioned to them that if they sent me a check, if it did not come as a check, I would probably have treated it as junk mail / another credit card offer and toss the envelope in the trash. The young lady I talked to did not state if they had ever sent me a check. The young lady asked me for my bank routing number and account number. I assume she wanted it for two reasons. To check if they had sent me a check and if it had cleared my bank, or to electronically pay me so I would not treat their mailing as junk mail.     I will be glad to give you more information such as my Best Buy Credit Card Account number, as well as my bank routing and account number, and a screen shot of my bak statement showing the payment I made to them for {$400.00}. My bank says they ca n't help me because a 60 day window has passed from the  XXXX  transaction date.      XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX , AR  XXXX  PH :  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 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (AZ).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: This data breach at Equifax is a display of absolute negligence. But hey, things happen. However, if I want my credit frozen, I have to now pay the three agencies to do that? That seems absurd. Freezing your credit should be free.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Student loan (Non-federal student loan) with Express Aviation (TX).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: My school was closed down in XXXX for not being in compliance with the Department of Education. They received this loan and I never seen anything from it. I ca n't afford to pay back this loan and I want to know I should have to repay all of the money when I never received any of the money. They took out more money than was needed at the time and I have n't completed school with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are two accounts on my credit that Experian is refusing to remove despite the fact that they are not mine. I have sent disputes for almost an entire year now trying to get them to address my issue but my dispute is never processed properly. The accounts are a {$630.00} " XXXX XXXX '' and the other one is a {$370.00} " XXXX XXXX  XXXX ''. The other credit bureaus promptly deleted these accounts when I first sent disputes and they investigated and found the accounts are not mine. I do n't understand how Experian is the only credit bureau who is getting a different result for the same investigation that XXXX and XXXX did. Why is this account only being reported on Experian? I am including a section of a recent report which shows how these two collections are only reporting on Experian.

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 03/29/2017 about Credit reporting () with Experian Information Solutions Inc. (AZ).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: I pulled my credit reports to see what was on my credit, as my family and I are looking to rent a house and I found that each credit bureau ( Experian, XXXX and XXXX ) pulled Bankruptcy information from a XXXX party and the court verified with me that they do not report to credit bureaus and therefore must be deleted. If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. This is hindering me from renting a house along with getting a car at a good interest rate, credit cards and could potentially prevent me from getting a job or a promotion.

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 11/15/2016 about Debt collection (Payday loan) with Midwest Recovery Systems (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: To CFPB, My name is XXXX XXXX and I am following up on a complaint I requested about Midwest Recovery Systems ( MRS ), using fraud to put a collections account on my credit history. They do n't follow the FCRA law and the correct steps and procedures in the FCRA. They are saying this is from a pay day loan from XXXX in 2012. I have never applied or taken a payday loan in my life. I have also never been contacted by anyone regarding this account ever. I do not believe XXXX is even in business anymore. I want this immediately deleted off my credit report with all the XXXX major Credit Bureaus : It never should have been reported in the first place before having the chance to dispute it within the 30 legal days. I want proof of debt by providing the following : a ) proof of I.D provided at the time of account opening. b ) copy of signed contract ( not a signed application but signed contract ) c ) itemized statements of account activity.d ) itemized breakdown of how you came up with the balance owed. If this company should not resolve this in a timely manner, 30 days, I will pursue legal action as I take my credit very seriously. Only after immediate delete of the XXXX credit bureau and proof of valid debit I may be willing to discuss a resolution on this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (GA).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: This letter is to inform you that Experian has failed to respond to my inquiry dispute letter that I sent certified mail on XX/XX/XXXX. As a consumer, I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, Experian received my dispute letter on XX/XX/XXXX. Please remove the following inquiries from my report as pursuant to 15 U.S.C.1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. XXXX , XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 04/27/2015 about Bank account or service (Checking account) with JPMORGAN CHASE & CO. ().
Issue: Account opening, closing, or management

Complaint: I had an account with CHASE bank in AZ.It was closed and my balance of around XXXX was sent as chaeque to my U.S mailing address.As i had left the country by then, the cheque was not recieved by anyone.When i contacted the bank they said that they need an affidavit indemnity attested by the US XXXX in my country.But they are not sending the document to me instead they want to send it to the XXXX via fax.But the XXXX is saying the document has to be brought in person for attestation.Please help me in this.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Student loan (Federal student loan servicing) with Manhattan Beach Venture, LLC (OH).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: Called a student loan forgiveness loan department and they wanted me to pay a fee of {$500.00} after i gave them sensitive information. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: XXXX is reporting an account that was included in a BK as collections and charge off. They stated that account was opened in 2011 and closed the following month. They show the balance as {$770.00} with a {$12.00} a month payment. I have contacted them with no answer and I have disputed it with the reporting agancies and XXXX will not remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2017 about Student loan (Private student loan) with AES/PHEAA (CT).
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint: I believe my loan with American Education Services is owned by XXXX XXXX. This is a loan that was taken out in 2004. I am now currently in school and have given them the information and they are still refusing to put me into deferment or forbearance. They raise my payment and interest rate every now and again too. I have attached some documents as well. I feel hopeless at this point and I have other student loans with a different servicer that are deferment. This is a small loan but it seems to give me the biggest problems.

Company response to consumer: Closed with non-monetary relief