milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NJ).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: After a very serious recent bout with  XXXX   XXXX   XXXX , in  XXXX  of  XXXX  I called the management office of a building I had to move out of in  XXXX  of  XXXX  ( due to my sickness and inability to work ) to ask what the balance was that I owed. I was told that " IF '' there was a balance it would be out of his hands and it would have been sent to a collection agency. He told me to call the building 's attorney for that information, so I did. The attorney told me she also was not sure, but gave me a number for the debt collection agency that they typically use. I immediately called that agency and spoke to a supervisor, who informed me that their company had no information on me AT ALL as of that day, and if they did receive anything I would be notified in writing/and or by telephone. That was more than 3 months ago. Today I received alerts from all   XXXX   credit agencies that I have a debt collection balance of {$7600.00} from a company called  XXXX   XXXX . To this day I have never received a letter or a telephone call, and yet they have damaged my credit without giving me an opportunity to dispute the debt. Of course this is against the law. As failure to send a written notice of  the debt is against the law, and according to the law the collector is required ( within five days of initially contacting me, which was NEVER done ), to send a written notice of the debt that includes : 1 ) The amount of the debt 2 ) The name of the original creditor to whom the debt is owed 3 ) A st atement describing my right to dispute the debt. NONE of these things were done. Therefore, I want this trade line removed from ALL  XXXX  of my credit reports IMMEDIATELY, and I would like an opportunity to go over the amount they say I owe, as I also believe that the amount stated is ALSO not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 10/30/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (OH).
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint: The institution put a maximum credit limit on my account based incorrect data from the credit bureaus. I have provided evidence the information utilized was erroneous. The decision to limit my spending ability negatively impacts my financial credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 12-06-2016 about Credit card () with BARCLAYS BANK DELAWARE (OR).
Issue: APR or interest rate

Complaint: In XX/XX/XXXX I borrowed {$45000.00} on my XXXX XXXX XXXX XXXX XXXX XXXX, with a XXXX % APR for 1 year and a fixed interest rate of XXXX % thereafter. Meanwhile, my loan was sold to Barclay, who proceeded to charge me 16.99 % variable interest. For 3 years now I have spent HOURS on the phone with them, asking for them to XXXX ) produce the original contract ( which they claim to have never received in the purchase from XXXX, when I contacted XXXX, XXXX told me they had given it to Barclay, Barclay again never received, etc. ) ; XXXX ) honor the original XXXX 8.99 % interest rate ; XXXX ) provide me the courtesy of sorting this out. I have always paid above and beyond the minimum payment due. I always initiated above said phone calls. On various conversations, I was informed that the APR was reverted back to the XXXX FIXED rate, yet this never occurred. I also quit using the card as although I would pay in full that month 's charges, along with at least that month 's minimum loan payment, and always on time, yet interest always accrued on the current charges ( which never were beyond their 30 days due XXXX. Verbally, they claimed this was not to happen, yet on my statements, it always did. Just this last XX/XX/XXXX I was alerted by a recorded telephone message that my XX/XX/XXXX payment had not been received and is now past due. Until this point, I had never been late on this account. I had also sent in this payment. I called to find out what was going on, and they had attempted to take the money out of a checking account I had closed over a year ago ( which they had known about the account closure, as I had given them a different account from which to withdraw funds ). This caused the payment to be declined. I immediately called, and was told that late charges were removed and my payment was accepted. Upon receipt of this month 's ( XX/XX/XXXX ) bill, it showed me now owing twice the minimum payment due, and unbeknownst to me, XXXX of my XX/XX/XXXX 's over payment did not go towards the principal balance, but was applied toward XX/XX/XXXX 's amount due, subsequently accruing even more interest on the principal than their already unfair interest charges. This unfair practice happens over and over and when I call I do n't seem to get resolution, and no one gets to the bottom of this nightmare. I have yet to receive copies of the original contract, and I have never been a bad, defaulting or even late customer. I look forward to some sort of fair and courteous resolution. In frustration today, I advised them of my intent to file a complaint in regards to this matter, and the representative 's response to me was, " Do what you got to do, and good luck with that. ''

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
Consumer complaint received 04-06-2016 about Debt collection (Federal student loan) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: had a student loan from XXXX around XX/XX/XXXX-XX/XX/XXXX. i was in car accident and not able to pay off. eventually i went back to work and filed tax return and IRS had deducted balance owed to student load from ta return and was paid in full. debt was still given to Portfolio recovery and they are trying to collect on a debt that has been satisfied as well as exceeding the statue of limitations for both XXXX and XXXX whee i currently reside. there has never been a payment sent to them to " reset '' the debt collection process. i have asked them to stop and explained to them that its been paid, but they refused to hear my side and insists that i give them a credit card number to make payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/25/2016 about Debt collection (Credit card) with PORTFOLIO RECOVERY ASSOCIATES INC (WA).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I am not married, I am a single mother of XXXX ... I have a couple of debts that Portfolio Recovery Associates , LLC have called regarding ... They have called my boyfriends parents multiple times trying to get in touch with me and Saturday, XX/XX/XXXX, they gave my boyfriends father my debt information, when they debt incurred, along with the current balances as well as willingness to settle the debt ... I received my first notice this last week from this place and they had absolutely no right to embarrass me with my boyfriends parents ... My personal financial business is not anyone 's concern but my own ... I am completely humiliated ... I would have been willing to call them this morning, however, now I am so angry I do n't want to call and make a scene ... My debt should have been discussed with me and me alone!! ACCOUNT NUMBERS XXXX AND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2016 about Debt collection (Credit card) with Phillips & Cohen Associates, Ltd. (MA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: Beginning at the end of XXXX, I have been trying to settle an old charge-off debt for a XXXX credit card that was charged off some time ago. Repeatedly, I have called to XXXX XXXX associates and XXXX XXXX, as well as XXXX bank. Each sends me to the other, stating that the account has been sent to the other or that it has not been entered to their office yet. I have called XXXX and XXXX repeatedly. I 'd really like to just settle this debt, but over the past month, it has proven nearly impossible. ( Note name on account is XXXX XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I filed for chapter XXXX bankruptcy on XX/XX/XXXX and have received a letter of discharge. Transunion is still reporting 4 open accounts and 4 closed accounts with XXXX  balances. I have contacted all creditors involved and they have stated, the accounts have been closed on their end. I have filed a complaint through Transunion inXX/XX/XXXX with zero resolution. The 4 open accounts are also showing bad standing and past due accounts. 4 closed accts include two from XXXX XXXX, one from XXXX XXXX and one from XXXX XXXX XXXX. All 4 open accts are from XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 03-05-2018 about Debt collection (Credit card debt) with STERLING JEWELERS, INC. (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX XXXX is reporting inaccurately on my credit report. They sold the debt to a 3rd party company that was paid. But they are still showing unpaid, past due on my credit report. I want XXXX XXXX removed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 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: Impacted by Equifax security breach.

Company response to consumer: Closed with explanation
Consumer complaint received 06/19/2017 about Debt collection (Mortgage debt) with NATIONSTAR MORTGAGE (CA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Nation Star failed to correct the dispute I have on dispute against them for the amount they said I owed them back from XXXX 2016. ( please look my letter I did on regards ) Please look for reference CFPB Case # XXXX I spoke with at least 2 representatives from the Customer Relations Department back in 2016 .They promised me to assist me to resolve it and it wont be any late payment fee, instead I been receiving collection letters, Today after i seen Inspections fee ( never took place ) and a late fee on the monthly statement I contacted XXXX at his number XXXX, he said in order to remove those late fees I have to pay the month of XXXX XXXX. *I told him I will formally dispute this Ilegal Charge and all the late fees on regards I been paying from XXXX 2106 up to date, You company never contacted me to resolve it. *Further I requested him formally to provide me a original Copy of power of Attorney from XXXX XXXX to NationStar giving the right to service this deed of trust, He said he will provide me a copy of the deed of Trust, and he said is not any regulation to force them to provide me one.I advised him it wont be acceptable to me I have the deed of trust by the way anyone can have a deed of trust and trying to collect from them. Now in hand I have a Document an email dated XXXX XXXX 2016 from the same investor XXXX XXXX to me saying : " XXXX is the servicer ''. It looks contradictory what NationStar pretending in take a title/capacity perhaps does n't belong to them. I will like the CFPB regulator look into this matter because i believe something is not right. lets remember this Servicing company has fined per this federal agency : https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-nationstar-mortgage-flawed-mortgage-loan-reporting/

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Debt collection (I do not know) with CAPITAL ONE FINANCIAL CORPORATION (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is reporting a debt on my XXXX credit report that is not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX ( XXXX ) XXXX. I have made a written request to this company three times asking for a copy of a signed application and information pertaining to the good and services that have potentially been rendered or received for this alleged. To this date, i have not received any additional information to verify this debt belongs to me. This incorrect information is impeding progress on my ability to obtain financing for a home loan and i would like it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 11/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I made a dispute with Equifax and XXXX XXXX regarding having two open mortgages on my report for the same home loan. My loan was transferred from XXXX XXXX XXXX to XXXX XXXX in XXXX of 2017. I have made numerous attempts to dispute this item and the status remains the same when the account has been closed/transferred and there 's no outstanding balance with XXXX, or its other subsidiaries.

Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (MN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: I have an agreement in place with XXXX XXXX XXXX ( XXXX ) to payoff my Sam 's Club Discover credit card with monthly electronic fund transfers from my personal checking account. I 've covered all monthly payments, as agreed, starting XX/XX/XXXX. In XX/XX/XXXX, notice the latency, I received a letter from XXXX to " collect a debt '' and discuss payment options that I ignored because we already have an agreement in place with XXXX covered payments. XXXX disclosed the debt to credit bureaus, according to XXXX, to " report payments ''. Due this action, my credit score took a dive of XXXX points. XXXX is unethical because they disclosed false information to the credit bureaus and tried to brainwash me explaining this was actually " helping me ''. XXXX, explain to me why after XXXX payments, with no missing payments, you report the debt to the credit bureaus? After 3 years? How lame.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2017 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (PA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a certified letter to Midland Credit Management to request verification of the debt they are attempting to collect. I requested the verification, the certified letter was received. In turn I did not get verification, but a letter which told me to provide proof/ records as to why I was disputing the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09/21/2017 about Checking or savings account (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (ID).
Issue: Managing an account
Sub-issue: Banking errors

Complaint: I opened a checking account online with Bank of America on XX/XX/XXXX. In the online application I used a Promo Code for a {$250.00} new account Bonus. The requirements to receive the Bonus were to receive at least two qualifying direct deposits of at least {$250.00}. My account number is XXXX. In XX/XX/XXXX, on XX/XX/XXXX and XX/XX/XXXX respectively, I received two qualifying payroll direct deposits of {$250.00}. Upon meeting their requirements to earn the {$250.00} Bonus, I called Bank of America multiple times. Each time I received a different timeframe and conflicting information. I never got anyone who would investigate and tell me what was going on and when I could expect the Bonus. Each representative would pass the buck and tell me I had to talk to someone else. I was transferred again and again and eventually the place I was transferred to would be closed and I would n't be able to talk to who, according to other bank agents, I needed to talk to. The longest timeframe I received was sixty ( 60 ) business days but this came and went and I still had n't received the {$250.00} new account Bonus. I qualified and was accepted upon using their Incentive code upon opening the checking account with BoA. Now they have dinged me with multiple monthly service fees and are in the process of charging off my 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 monetary relief
Consumer complaint received 10/26/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I received a letter from Equifax explain I was apart of a breach I went online to view my account and notice some fraudulent attempts to obtain credit. I have put in a dispute with Equifax but they have responded telling me to contact the company directly, I have! the company states the inquiry is valid however of course its valid if they illegally hacked Equifax corporation and retrieve all of my personal information. I will like all the listed below inquires removed. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2016 about Credit card () with CITIBANK, N.A. (CA).
Issue: Rewards

Complaint: After closing my Citi Forward Credit Card, the Thank You Reward account associated with it was deactivated after 60 days and all the accumulated reward points were expired. I was never been verbally told or received any document in written about this fact. I contacted Citi customer service. The representative said there is nothing Citi can do about those points although they did n't do the obligation to notify me the policy.

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
Consumer complaint received 04/21/2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I am XXXX with XXXX ( " provider '' ) in XXXX XXXX for over 20 years .My account with this provider is XXXX balance. " XXXX XXXX XXXX ' ( " XXXX '' ) is a private collection agency who goes to these kind of providers and get old accounts and files into collection and report to credit agencies in quantity.In my case I have already paid the provider and this is the last bill as stated is XXXX. Regardless my multiple request with proof of payment XXXX continues to report the collection to credit agency ( " Equifax '' ) for XXXX dollar which does not exist except they claim this is interest charges from medical bill I presumably owed to provider. There is no balance how could be interest charges.These people have violated not HIPPA act accessing my medical bills but certainly are scam and try get XXXX people and good responsible citizen scare of their credit and make them pay based on distortion of their good credit .I have attached the proof they have destroyed my credit standing and regardless of my numerous notice to Equifax has failed to justify the consumer rights to the fact which the debt is a wrongfull claim. I do not owed any to XXXX nevertheless to provider. XXXX has long record of law suits by consumers .Equifax must act and remove all of their reporting from my credit. I am available to testify at any place and any time for this abuse from XXXX and Equifax failure to remove wrongful information .this is matter of principal a lot of people getting XXXX. We have to make the credit agencies such as Equifax reporting accountable for the justification of such reporting in the first place.There are XXXX people perhaps are the victim of wrongful reporting by these credit agencies for such this must stop.This is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I SENT THE CREDIT BUREAUS MY POLICE REPORT ON THE FRAUDULENT ACCOUNTS, XXXX, XXXX XXXX, AND XXXX XXXX. THEY HAVE NOT REMOVE THESE FRAUDULENT ACCOUNTS FROM MY NAME. THIS IS A VIOLATION OF MY RIGHTS FOR ME TO PROVE THE FRAUD AND FOR THE CREDIT BUREAUS NOT TO DO ANYTHING ABOUT IT.

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 02/21/2018 about Vehicle loan or lease (Loan) with NISSAN MOTOR ACCEPTANCE CORPORATION (NC).
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint: In XX/XX/2016, I financed a vehicle with XXXX XXXX of XXXX. At financing, I opted to take the gap coverage. I am attaching a copy of my sales contract that clearly shows that the XXXX XXXX  was included at the time of financing. Unfortunately, a few months later, and accident occurred that totaled the vehicle. My standard auto insurance funded a claim, but as expected, the amount they paid was shy of the total left on the finance contract. This is where the gap insurance I opted for should have covered me. I have made repeated calls and visits to the dealership and XXXX XXXX about this matter, but they refuse to process my claim. The Nissan dealership, nor XXXX XXXX, does nothing to help me process my gap coverage claim. Instead, all they seem to be able to do is report that I have a {$10000.00} collection balance with their organization on my credit report ; despite the Gap coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (PA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I do not have an account with XXXX XXXX I never opened an account with them and really unsure why they are reporting on my credit a Open 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