milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (MI).
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 made a purchase for    XXXX   XXXX    concert tickets online with   XXXX   XXXX    fo r  XXXX  back in   XX/XX/XXXX  on my  chase debit card. Chase closed my account in   XX/XX/XXXX .    XXXX   XXXX   notified me on   XX/XX/XXXX  by e mail that the concert was canceled and a refund was issued of  XXXX  to the card it card charged on. I called chase bank about this on   XX/XX/XXXX  and  XX/XX/XXXX  and they  act like they have not received those funds I have proof from   XXXX   XXXX   of the return transaction so why have n't chase cut me a check or return the refund to vivid seats. Chase bank is a fraud they held on to ov  er 5,000 of my m on ey for three weeks when they canceled my account  in  XX/XX/XXXX  talking  about suspicious activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-12-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (KY).
Issue: Other

Complaint: WHEN IS MY PAY-OFF DATE ON MY LOAN? WHY IS MY DEBT GOING-UP INSTEAD OF GOING-DOWN. I HAVE NEVER MISS A PAYMENT, NOR RECEIVED A PASS-DUE NOTICE. EXACTLY, WHAT IS GOING-ON?

Company response to consumer: Closed with explanation
Consumer complaint received 10-11-2016 about Credit reporting () with EQUIFAX, INC. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Addresses reported were said to have been removed, still one showing.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I am submitting a complaint against Bank of America for unfair practices in handling my mortgage account. I did apply for a loan modification on my current mortgage and was offered a mortgage modification agreement package by Bank of America. I made it clear over the phone that i was not interested in the mortgage modification offer to the home loan account specialist XXXX XXXX. XXXX XXXX even had me fax in a signed letter stating that i was not interested in the modification offer and wanted my current loan to be return to normal servicing. I never replied or sent in the paper work that came along with the mortgage modification agreement package. On XXXX/XXXX/15 i made my regular mortgage payment of {$2400.00} at a local Bank of American branch. I received a letter dated XXXX/XXXX/15 stating that my mortgage payment of {$2400.00} was not applied to my current mortgage and that it was going to be set aside on a unapplied funds account on my loan. I never authorize this practice to be implemented on my mortgage loan account. I want to investigate who in Bank of America authorize this practice on my home loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/22/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I currently have around XXXX in debt. I have both federal and non federal student loans. I have tried multiple times to contact Navient because the payment options were just to high for me. I am currently making payments however those payments are only interest and that 's {$750.00} a month no including payments i cant afford that are under forbearance which will soon be ending. I will never be able to pay the actual loan itself with the interest rates the way they are. Navient claims to offer tons of ways for them to help you lower your payments or to try and find something that works for you but as I/ve noticed they really do n't care and are totally fine with the idea that i will continue to pay {$750.00} a month and not see a dent ever in the actual amount I owe. I have had deferments and forbearance 's in the past which I am no longer even allowed or offered with the private loans but when it was offered the representatives at Navient were always quick to offer one of those options instead of just finding out what I could afford to pay. Its all or nothing with them which makes it very difficult for someone who 's middle class. The school I attended for college is now shut down and from my experience with others that attended this school all of whom are drowning in debt from going to school there. The financial aid department there was a joke and was never clear about anything. I believe tons of students there got into way more then they agreed upon and will not be paying for the rest of their life. I think that there should be more help for people like myself that are TRYING to make payments and want to get it resolved versus doing nothing. The school name was The XXXX located in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Trident Asset Management, L.L.C. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: The collections account was placed on my credit report by Trident Asset Management and was not mine. I never requested items, service and never received items or service from the original debtor XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/29/2016 about Debt collection (I do not know) with Evans Law Associates, P.C. (KS).
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint: XXXX XXXX XXXX continues to leave messages stating they are a law firm trying to collect a debt on me on my half brothers fathers telephone. I have no relation to this person and it is the second time they have done this. Saying I need to call back and make monetary arrangements to stop the criminal action. This company refuses to validate the debt and will not stop calling.

Company response to consumer: Untimely response
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (OH).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I sent in paperwork to remove these negative items from my credit report on XX/XX/17 and still several months later haven't received any response about these fraudulent items being removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (OK).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: Did n't know how to or where to repay my loan. It was hard to get other options for payment plans besides deferring my loan. Now, I have more interest added and ca n't afford my monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am the victim of identity theft. Someone utilized my name and former address to acquire credit then debt while I was incarcerated. I have called Portfolio Recovery many times in an effort to rectify this and they have not been helpful. I asked for debt verification AND validation three times, via certified/read receipt mail sent on XXXX XXXX 2017, and again XXXX XXXX, 2017. They respond by merely sending me a copy of the last bill to that address. I have asked for in writing to send me proof of debt validation from XXXX XXXX. I asked for who the name of the person was that they spoke to at XXXX XXXX, and the date. I asked for documentation to state they can pursue this debt. A copy of the agreement stating they are permitted to pursue me for this fraudulent debt. I asked for the original contract between XXXX XXXX and the " supposed '' debtor. I have yet to receive anything I requested. According to the FCRA, they are not fulfilling my requests from the consumer. I even called Portfolio Recovery and offered to pay this debt in full if they please remove it from my credit report as it is damaging my credit which I am trying to rebuild. They would not agree to do so. Please, this is my second complaint against Portfolio Recovery. I am a consumer being wrongfully damaged. I am even willing to pay the erroneous debt in full since I can afford it in order for it to go away since it is costly me more financially the longer it remains damaging my credit.. Please assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 09/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Problem with fraud alerts or security freezes

Complaint: Upon learning about the XXXX  security breach I and doing research on my options I decided to try to freeze my credit at all 3 credit reporting institutions. 

It 's already bad enough that every adult in the United States has to assume that their information has been compromised and that we all have to worry about a heightened risk to identity theft. 

The issue is that I ca n't get my credit frozen at ANY of the 3. As of today, which is Wednesday, XXXX XXXX, I have tried to freeze my credit online and over the phone at all 3 major credit institutions. I 've run into issues ranging from websites being down, to automated messages saying that my information could n't be verified. 

We need a central agency that can handle this kind of thing like a professional, because it 's clear these amateurs ca n't. 

It 's despicable that these agencies are now trying to sell their credit " locking '' services in which they are charging compromised consumers money for THEIR mistake.

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 02-01-2017 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX, XXXX XXXX Experian XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. 
Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX SOC SEC # *********** DOB XX/XX/XXXX XXXX, XXXX XXXX XXXX acc # XXXX PLEASE REMOVED THIS ADRESS XXXX, XXXX XXXX XXXX - REPORTED XX/XX/XXXX THIS IS NOT MY ADRESS FRAUD The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 02-10-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Convergent Resources, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received a call from a XXXX XXXX with Convergent Outsourcing about a alleged debt they say I owe from 2003, from XXXX of XXXX XXXX. She said she can call to collect on a debt if after it is past the statute of limitations of Debt collection of four years in XXXX and 10 years in XXXX. I advised her that the alleged account was over XXXX years old and that they were in violation of several Federal laws by calling my without my permission and for accessing my credit reports to obtain my phone number and address.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Debt collection (Other debt) with Receivables Management Partners, LLC (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XXXX / XXXX /2014   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , Fl  XXXX  This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
<P/>
You are required by federal law to provide me with verifiable proof on file of each account listed below. It is against the law to retain in my file, assemble, and sell a credit report containing unverified and invalid information. Your failure to positively verify the validity of the accounts listed below has hurt my ability to obtain credit. Under the FCRA you required to promptly DELETE NOW all unverified and invalid accounts, to avoid potential violations of FCRA 605.
<P/>
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Please verify and validate all data for each listed account, every notation, dates and balances, whether reported or not. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
<P/>
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
<P/>
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
<P/>
Name of Account : ALLIED COLLECTION SERVICES Thank You,   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/25/2015 about Debt collection (Medical) with TENET HEALTHCARE CORPORATION (PA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: My daughter is being treated for XXXX. XXXX bills were sent to collection that I was never notified about. Her insurance companies were billed. In XXXX instance, the hospital billed the insurance company incorrectly. They have since corrected the error and I recieved notice that the item would be removed from my credit but it has n't yet. In the other instance, the bill was in dispute and has since been paid. It should not have been reported as a collection. I learned about these collections when applying for a mortgage, my over XXXX credit score had gone down XXXX points because of XXXX collections that should have never been reported. It was a nightmare to get the creditor and the insurance agencies to resolve this. Talk about being kicked when your down, dealing with a seriously ill child and having your credit negatively impacted.

Company response to consumer: Closed
Consumer complaint received 09-05-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: Hello I like to file a complaint about Discover Card. 

I received a letter from discover card saying Im pre-approved for a personal loan for {$28000.00}. Next day I called Discover Card and they asked me what the money is for I advised them I was trying to pay off my other high interest credit cards and just have 1 payment every month. They asked me how much I owe I said {$25000.00} then they asked how much I make and I told them {$50000.00} and they said anyone in the house hold I said yes my husband and they asked how much does he make I said {$120000.00} they said I am approved. Then they asked me to send them pay stubs I did. My husband pay stub was showing {$93000.00} but then I called them and said no his XXXX shows {$100000.00} because he gets bonus every year and its {$100000.00} they asked me to send his XXXX so I did, I got a phone call 2 days after that they said sorry you dont qualified. My issue is I didnt want and hard pull on my credit and the agent insured me that its not a hard pull until the loan is approved so here I am with no loan to pay off my other credit card and I have an extra inquiry on my credit report. I asked them to give me a smaller loan they said they are sorry and they cant help me. 


Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: My wallet was stolen. With my social security card credit cards banks cards. Id etc they tryed to open banks phones credit cards. Loans. And they used my atm card and got my money

Company response to consumer: Closed with explanation
Consumer complaint received 09/15/2015 about Debt collection (Payday loan) with Enova International, Inc. (FL).
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint: A call was recieved concerning collecting a debt on behalf of cashnetusa. I wanted to verify the debtor 's validity in collecting a debt and recieved threats from the debt collector claiming to be operating on behalf of Cashnet. 

I was told I had XXXX hours to verify, that I would n't call back, that I would face serious consequences. The behavior was hostile. 

Here is his contact infoXXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 06/18/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: While checking my personal credit report, I noticed unauthorized and fraudulent credit inquiries made by XXXX XXXX XXXX XXXX on or about XXXX/XXXX/XXXX on Equifax. I did not authorize anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ) multiple times. 
They were not legally entitled to make these fraudulent inquiries. 
This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiries immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX/XXXX/XXXX in case it is needed to locate the fraudulent inquiries in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Student loan (Private student loan) with AES/PHEAA (TN).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: In 2006 i took a loan for XXXX with XXXX XXXX XXXX, my grandmother co-signed the note. As of this date i have not been able to find full time employment and although i was on an interest only plan for 2 years and also deferment at one time, the loan has become past due. I contacted AES and was told that XXXX owns the loan and that they have no there options for me, resulting in negative reporting to my credit file, which has negatively affected me when i apply for jobs. 

I have called AES ON numerous occasions requesting proof of transfer of my loan to XXXX, i never received anything and was told via email that they were unable to provide me with same ( copy of email attached ). 

My grandmother is in the XXXX XXXX XXXX  XXXX and can not help me. My mother has been assisting in payments but she is on XXXX and is limited in what she can do. 

I have been making payments for a while now and nothing has come off the principal of the loan and i now owe in excess of 57,000 dollars on a XXXX loan. i need help. 

The interest rate has gone up again and my payment will now be more than the {$460.00} i currently pay and i can't afford that.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (IN).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: The company failed to provide me with a notice to request verification of debt or right to dispute, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation